Cheap 2015 Ford Fusion Insurance Rates

Trying to find the cheapest insurance rates? Buyers have lots of choices when searching for affordable Ford Fusion insurance. You can either waste hours struggling with agents to get rate comparisons or save time using the internet to make rate comparisons.

There is a right way and a wrong way to find insurance online so we’re going to tell you the best way to price shop coverage for a new or used Ford and locate the cheapest rates.

It is always a good idea to get comparison quotes periodically since rates are rarely the same from one policy term to another. Despite the fact that you may have had the lowest price on Fusion coverage six months ago there is a good chance you can find better rates now. Starting now, forget all the misinformation about insurance because it’s time to teach you the quickest way to remove unneeded coverages and save money.

Ford Fusion insurance premiums are calculated by many factors

Consumers need to have an understanding of the rating factors that go into determining the rates you pay for auto insurance. Knowing what determines base rates empowers consumers to make smart changes that may reward you with big savings.

Listed below are some of the factors used by your company to calculate rates.

  • Sex matters – Statistics have proven women are more cautious behind the wheel. Now that doesn’t mean women are better drivers. Men and women tend to get into accidents in similar percentages, but the males tend to have more serious accidents. They also get more serious tickets such as reckless driving.
  • Never let your coverage lapse – Driving without insurance can get your license suspended and as a result your rates will increase for letting your coverage have a gap. Not only will rates go up, but being ticketed for driving with no insurance might get you a license revocation or jail time.Then you may be required to prove you have insurance by filing a SR-22 with your state DMV.
  • Bump up deductibles to save – Insurance for physical damage to your car, also known as collision and other-than-collision, is used to repair damage to your Ford. A few examples of covered claims could be a windshield shattered by a rock, damage from fire, or theft. Physical damage deductibles are how much you are required to spend out-of-pocket before your auto insurance pays a claim. The higher the amount you have to pay, the lower your rates will be on Fusion coverage.
  • Your credit rating is important – Having a bad credit rating is a large factor in your rate calculation. Drivers with excellent credit tend to file fewer claims and have better driving records than drivers who have lower ratings. So if your credit can use some improvement, you could potentially save money when insuring your 2015 Ford Fusion by improving your credit score.
  • Bad driving skills means higher rates – A bad driving record impacts your car insurance rates tremendously. Even one moving violation can increase rates twenty percent or more. Good drivers tend to pay less for car insurance compared to drivers with tickets. If you have flagrant violations like DWI, reckless driving or hit and run convictions may find they need to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to keep their license.
  • Policy add-ons can waste money – There are quite a few extra coverages that can waste your money on your auto insurance policy. Things like personal injury protection, accident forgiveness and motor club memberships may be costing you every month. These coverages may sound good at first, but if you don’t need them remove them from your policy.
  • Car features impact rates – Purchasing a vehicle with anti-theft technology or alarm system can save you a little every year. Anti-theft devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping auto theft.
  • Do you have a high stress job? – Careers like lawyers, social workers and financial analysts tend to pay higher average rates because of job stress and lengthy work days. Conversely, professions such as scientists, engineers and retirees have the lowest average rates on Fusion coverage.

Don’t miss out on these money-saving discounts

Car insurance is not cheap, but companies offer discounts to reduce the price significantly. Some discounts apply automatically when you quote, but lesser-known reductions have to be asked for before you get the savings. If they aren’t giving you every credit available, you are paying more than you should be.

  • Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems can get savings of 20% or more.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to use a seat belt can save 10% or more on the medical payments or PIP coverage costs.
  • Fewer Miles Equal More Savings – Driving fewer miles can qualify you for a substantially lower rate.
  • Bundle and Save – If you insure your home and vehicles with the same company you may save at least 10% off all policies.
  • Life Insurance Discount – Some companies give a discount if you purchase life insurance from them.
  • Clubs and Organizations – Affiliation with a qualifying organization may earn a discount when buying insurance coverage on Fusion coverage.

Drivers should understand that most of the big mark downs will not be given to your bottom line cost. Some only reduce specific coverage prices like comprehensive or collision. So when the math indicates you could get a free insurance coverage policy, it doesn’t quite work that way. But any discount will reduce your overall premium however.

Companies that may offer some of the above discounts include:

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

Do I need special coverages?

When choosing the right insurance coverage for your vehicles, there really is no single plan that fits everyone. Every situation is different.

These are some specific questions might point out whether your personal situation might need professional guidance.

  • Does my personal policy cover me when driving out-of-state?
  • Do I need PIP coverage since I have good health insurance?
  • How much underlying liability do I need for an umbrella policy?
  • Does coverage extend to a rental car in a foreign country?
  • Do I need special endorsements for business use of my vehicle?
  • How do I insure my teen driver?
  • Is pleasure use cheaper than using my 2015 Ford Fusion to commute?
  • Is my cargo covered for damage or theft?
  • Can I afford to pay high deductible claims out of pocket?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and can help protect your family.

Auto insurance coverage considerations

Understanding the coverages of auto insurance helps when choosing appropriate coverage and proper limits and deductibles. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Medical costs insurance – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as rehabilitation expenses, X-ray expenses, surgery and doctor visits. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Liability auto insurance – Liability insurance will cover damage that occurs to a person or their property by causing an accident. It protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Some companies may use one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like pain and suffering, structural damage, repair costs for stationary objects, repair bills for other people’s vehicles and medical expenses. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.

Comprehensive or Other Than Collision – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as fire damage, vandalism and theft. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your 2015 Ford Fusion.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Collision coverages – Collision coverage pays for damage to your Fusion resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims like hitting a mailbox, scraping a guard rail and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.

More comparisons equals lower rates

Cheap 2015 Ford Fusion insurance is definitely available online as well as from independent agents, and you should be comparing both so you have a total pricing picture. There are still a few companies who don’t offer online price quotes and usually these small insurance companies provide coverage only through local independent agents.

As you go through the steps to switch your coverage, it’s not a good idea to reduce needed coverages to save money. There are a lot of situations where someone sacrificed liability coverage limits only to regret at claim time they didn’t have enough coverage. Your focus should be to buy enough coverage at a price you can afford while not skimping on critical coverages.

In this article, we covered a lot of ways to save on insurance. The key concept to understand is the more times you quote, the better your comparison will be. You may even find the lowest rates come from a small mutual company.

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