2011 Ford Fusion Hybrid Insurance Quotes – 7 Tips to Save

Perplexed by the number of car insurance company choices? You’re not alone. You have so many options that it can turn into a challenge to find better rates.

Consumers should take time to shop coverage around yearly due to the fact that insurance rates change regularly. Just because you found the lowest rates for Fusion Hybrid coverage a year ago the chances are good that you can find a lower rate today. So just forget all the misinformation about car insurance because I’m going to teach you the fastest way to properly buy coverages and cut your premium.

Save money by taking advantage of these seven discounts

Car insurance is not cheap, but you can get discounts that you may not know about. A few discounts will automatically apply at the time of quoting, but a few must be inquired about before you will receive the discount.

  • Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.
  • One Accident Forgiven – Certain companies will forgive one accident before hitting you with a surcharge if your claims history is clear prior to the accident.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to complete a driver education course if it’s offered in school.
  • Senior Citizens – If you’re over the age of 55, you can possibly qualify for reduced rates for Fusion Hybrid coverage.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.
  • Multi-car Discount – Buying insurance for more than one vehicle on one policy qualifies for this discount.
  • Auto/Home Discount – If you insure your home and vehicles with one insurance company you could get a discount of approximately 10% to 15%.

It’s important to note that most discount credits are not given to the overall cost of the policy. Most cut the cost of specific coverages such as comprehensive or collision. So when it seems like all those discounts means the company will pay you, it doesn’t quite work that way. Any amount of discount will reduce the cost of coverage.

To see a list of companies with discount car insurance rates, follow this link.

Comprehensive Insurance Comparison

Effectively comparing insurance prices can take time and effort if you don’t know the best way to get rate quotes. You can waste hours discussing policy coverages with insurance agencies in your area, or you can stay home and use online quoting to maximize your effort.

Many insurance companies take part in a program that enables customers to enter their coverage request one time, and each participating company can give them a price for coverage. This prevents consumers from doing quotation requests for every insurance company. To fill out one form to compare multiple rates now click here to open in new window.

One minor caviat to using this type of system is that consumers can’t choose the companies you want to price. If you prefer to choose individual companies to compare prices, we have a page of the cheapest insurance companies in your area. Click here to view list.

It’s up to you which method you use, but ensure you’re using exactly the same deductibles and coverage limits for every quote you compare. If you have higher or lower deductibles you can’t possibly find the best deal for your Ford Fusion Hybrid. Having just a slight variation in coverages could mean much higher rates. Just remember that more quotes will enable you to find lower pricing.

When should I use an insurance agent?

When it comes to buying adequate coverage for your vehicles, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

These are some specific questions can help discover whether you will benefit from professional help.

  • Is a blown tire covered by insurance?
  • I don’t drive much so do I pay less?
  • What vehicles should carry emergency assistance coverage?
  • Does coverage extend to my business vehicle?
  • Does insurance cover damages from a DUI accident?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Can I drive in Mexico and have coverage?
  • What is the minimum liability in my state?
  • Which is better, split liability limits or combined limits?
  • Can I rent a car in Mexico?

If you don’t know the answers to these questions, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form.

Learn about auto insurance coverages for a Ford Fusion Hybrid

Understanding the coverages of a auto insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Auto insurance terms can be confusing and nobody wants to actually read their policy.

Coverage for collisions

This covers damage to your Fusion Hybrid caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like rolling your car, colliding with a tree and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for short-term medical expenses for things like surgery, dental work and EMT expenses. They can be utilized in addition to your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and may carry a deductible

Auto liability

Liability coverage provides protection from injuries or damage you cause to other people or property that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Some companies may use a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims such as medical services, court costs, attorney fees, funeral expenses and structural damage. How much liability coverage do you need? That is a personal decision, but buy higher limits if possible.

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like damage from flooding, fire damage, a broken windshield, rock chips in glass and damage from getting keyed. The most a auto insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Ford Fusion Hybrid.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Usually the UM/UIM limits are similar to your liability insurance amounts.

Have money to burn

Insureds change insurance companies for many reasons like denial of a claim, policy non-renewal, high prices or policy cancellation. Whatever your reason, choosing a new insurance company can be pretty painless.

As you shop your coverage around, it’s a bad idea to skimp on coverage in order to save money. In many cases, drivers have reduced comprehensive coverage or liability limits only to discover later that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to purchase plenty of coverage at a price you can afford.

Budget-conscious 2011 Ford Fusion Hybrid insurance is definitely available on the web and with local insurance agents, so you should compare both to have the best chance of lowering rates. Some insurance providers do not offer online quoting and usually these smaller companies provide coverage only through local independent agents.

Much more information about car insurance is available at the links below