2015 Ford Fusion Energi Insurance Cost

Nobody likes having to buy insurance, especially knowing the price is too high. Lots of insurance companies contend for your insurance dollar, so it’s not easy to compare every insurer to find the absolute lowest rate

Finding Auto Insurance

Getting better 2015 Ford Fusion Energi auto insurance pricing is actually quite simple. Drivers just need to invest a few minutes comparing price quotes provided by online insurance companies. This can be accomplished using a couple different methods.

The single most time-saving way to find the lowest comparison rates would be an industry-wide quote request form like this one (opens in new window). This type of form eliminates the need for separate quotation requests for every auto insurance company. Just one form gets you coverage quotes from all major companies.

Another way to get quotes online is spending the time to visit the website for each individual company to complete a price quote. For instance, we’ll pretend you want to compare Farmers, Liberty Mutual and State Farm. You would have to spend time on each company’s site and enter your information, which is why the first method is more popular.

For a list of links to insurance companies in your area, click here.

The least efficient way of comparing rate quotes is to spend your day driving to insurance agents’ offices. The internet has reduced the need for local agents unless you have a need for the trained guidance that only a license agent can provide. You can, however, comparison shop online but buy from a local insurance agent and we’ll talk about that later.

However you get your quotes, be sure to compare exactly the same coverages and limits with each company. If you compare mixed coverages it’s impossible to determine which rate is truly the best.

Lots of discounts mean lots of savings

Car insurance companies do not list every available discount very well, so we researched some of the more common and also the lesser-known savings tricks you should be using. If you don’t get every credit you deserve, you’re just leaving money on the table.

  • Accident Free – Good drivers with no accidents can earn big discounts compared to frequent claim filers.
  • Payment Discounts – If you pay your entire premium ahead of time instead of paying each month you can actually save on your bill.
  • Senior Citizens – Older drivers may receive reduced rates on Fusion Energi insurance.
  • Use Seat Belts – Using a seat belt and requiring all passengers to wear their seat belts can save up to 15% off the personal injury premium cost.
  • Driver’s Ed – Require your teen driver to complete a driver education course if it’s offered in school.
  • Life Insurance Discount – Larger companies have lower rates if you buy a life insurance policy as well.

Consumers should know that most discount credits are not given to the entire policy premium. Some only reduce individual premiums such as comp or med pay. So when the math indicates you can get free auto insurance, you won’t be that lucky.

Insurance companies that may have these money-saving discounts include:

It’s a good idea to ask all companies you are considering which discounts you may be entitled to. Discounts may not be available everywhere.

Situations that might require an agent

When choosing proper insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For example, these questions may help you determine if you could use an agent’s help.

  • Are my friends covered when driving my car?
  • Is my babysitter covered when using my vehicle?
  • Is motorclub coverage worth it?
  • Should I buy more coverage than the required minimum liability coverage?
  • Why do I need rental car insurance?
  • How do I insure my teen driver?

If you can’t answer these questions but a few of them apply, you might consider talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of auto insurance companies in your area. It only takes a few minutes and can provide invaluable advice.

Auto insurance coverage information

Knowing the specifics of your policy can be of help when determining appropriate coverage for your vehicles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. These are typical coverages offered by insurance companies.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for expenses like dental work, ambulance fees and surgery. They are utilized in addition to your health insurance program or if you are not covered by health insurance. They cover you and your occupants as well as any family member struck as a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive protection

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims such as hitting a deer, falling objects, damage from getting keyed, a tree branch falling on your vehicle and hitting a bird. The highest amount your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Collision protection

Collision coverage will pay to fix damage to your Fusion Energi resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as damaging your car on a curb, backing into a parked car, colliding with a tree, hitting a mailbox and crashing into a ditch. This coverage can be expensive, so you might think about dropping it from older vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Coverage for liability

Liability insurance provides protection from damage that occurs to other people or property that is your fault. This coverage protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability coverage protects against things like loss of income, medical services and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.