Lower Your 2016 Ford Fusion Car Insurance Cost

Searching for better insurance rates for your Ford Fusion? Paying for high-priced Ford Fusion insurance can drain your personal savings and make it hard to pay other bills. Doing a price comparison is free and is an excellent way to slash your bill and have more diposable income.

Big-name insurance companies like State Farm, Farmers Insurance, GEICO and Allstate increase brand awareness with advertising and it is difficult to ignore the propoganda and effectively compare rates to find the best deal.

If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using these techniques. Buying car insurance is easy if you know what you’re doing. Although car owners should learn the way companies price online insurance.

These discounts can lower your rates

Auto insurance companies do not advertise every available discount in an easy-to-find place, so we researched some of the best known and the harder-to-find discounts you could be receiving.

  • Good Student Discount – Getting good grades can save 20 to 25%. This discount can apply well after school through age 25.
  • Early Signing – Some companies give discounts for signing up prior to your current policy expiration. This can save 10% or more.
  • 55 and Retired – Mature drivers may qualify for better car insurance rates on Fusion insurance.
  • Government Employees – Simply working for the federal government may qualify you for a discount on Fusion insurance with select insurance companies.
  • Save with a New Car – Adding a new car to your policy is cheaper compared to insuring an older model.
  • Seat Belts Save more than Lives – Requiring all passengers to buckle their seat belts could save 15% off your medical payments premium.
  • Driver Safety – Successfully completing a driver safety course could save 5% or more if you qualify.

Drivers should understand that most of the big mark downs will not be given the the whole policy. The majority will only reduce the cost of specific coverages such as comp or med pay. So when the math indicates having all the discounts means you get insurance for free, it just doesn’t work that way.

To see a list of insurers offering car insurance discounts, click here.

Comprehensive Insurance Comparison Quotes

There are a variety of methods to compare 2016 Ford Fusion insurance quotes, but one way is more efficient than others. You can spend your afternoon discussing policy coverages with insurance companies in your area, or you could save time and use online quoting to get prices fast.

Many popular insurance companies take part in a program that enables customers to submit one quote, and each company returns a rated price based on that data. This eliminates the need for quote forms to each individual insurance company. To find out how much you can save on insurance click here to open in new window.

The one downside to using this type of system is you don’t know exactly which insurance companies to receive prices from. So if you want to choose specific providers to compare rates, we put together a list of insurance companies in your area. Click here for list of insurance companies.

It’s up to you how you get prices quotes, just make sure you use the exact same coverages and limits with each company. If you are comparing mixed coverages it will be very difficult to make an equal comparison. Just a small difference in insurance coverages may result in a large different in cost. And when price shopping your coverage, comparing a large number of companies gives you a better chance of getting a lower rate.

Factors that can influence insurance rates for a Ford Fusion

Smart consumers have a good feel for the rating factors that help determine your auto insurance rates. When you know what positively or negatively impacts premium levels allows you to make educated decisions that may reward you with much lower annual insurance costs.

The following are some of the items companies use to determine rates.

  • Consolidate policies to earn discounts – Many companies give discounts to people who carry more than one policy. It’s known as a multi-policy discount. This can amount to anywhere from five to ten percent in most cases. Even with this discount, you still need to compare rates to make sure you are getting the best deal. You may still find a better deal by splitting coverages up.
  • Too many auto insurance claims drive up costs – Auto insurance companies give cheaper rates to drivers who do not rely on their insurance for small claims. If you frequently file small claims, you can pretty much guarantee either a policy non-renewal or much higher rates. Insurance coverage is designed for the large, substantial claims.
  • Are you male or female? – Statistics have proven women tend to be less risk to insure than men. However, don’t assume that women are BETTER drivers than men. Men and women tend to get into accidents at about the same rate, but the males cause more damage and cost insurance companies more money. They also get cited for more serious violations such as reckless driving.
  • High crash test scores lower rates – Cars with high safety ratings can get you lower premiums. Safe vehicles protect occupants better and lower injury rates translates into fewer and smaller insurance claims and more competitive rates for policyholders. If your Ford Fusion earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.

Different people need different coverages

When buying coverage for your vehicles, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs so this has to be addressed. These are some specific questions may help you determine whether you would benefit from an agent’s advice.

  • Does my personal policy cover me when driving out-of-state?
  • Does having multiple vehicles earn me a discount?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is my nanny covered when driving my vehicle?
  • Does my medical payments coverage pay my health insurance deductible?
  • Can my teen drive my company car?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Slick advertising tricks that work

Allstate and Progressive continually stream television and radio advertisements. All the companies say the same thing about savings after switching your coverage to them. How does each company claim to save you money? This is how they do it.

Insurance companies have a certain “appetite” for the right customer that earns them a profit. A good example of a profitable customer might be profiled as between the ages of 40 and 55, insures multiple vehicles, and drives less than 10,000 miles a year. A customer getting a price quote who matches those parameters gets the lowest rates and as a result will probably save when switching.

Drivers who don’t qualify for this ideal profile will have to pay higher prices which leads to business going elsewhere. Company advertisements say “drivers who switch” not “everybody who quotes” save money. That’s the way companies can truthfully make the claims of big savings. Because of the profiling, drivers should get as many comparisons as possible. Because you never know which company will provide you with the cheapest Ford Fusion insurance rates.

The coverage is in the details

Learning about specific coverages of a insurance policy helps when choosing the best coverages and proper limits and deductibles. Insurance terms can be difficult to understand and reading a policy is terribly boring. Listed below are the usual coverages found on most insurance policies.

Comprehensive insurance

This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, theft, hitting a bird, damage from getting keyed and a broken windshield. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Liability coverage

This provides protection from damages or injuries you inflict on other’s property or people. It protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for things such as court costs, loss of income, legal defense fees, repair costs for stationary objects and pain and suffering. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible.

Auto collision coverage

This coverage pays for damage to your Fusion resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like colliding with another moving vehicle, crashing into a ditch, backing into a parked car, colliding with a tree and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also bump up the deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP kick in for bills like funeral costs, doctor visits and prosthetic devices. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Quote more. Save more.

When buying insurance coverage, never skimp on coverage in order to save money. In many instances, consumers will sacrifice liability limits or collision coverage only to discover later that the savings was not a smart move. Your goal should be to purchase a proper amount of coverage at a price you can afford while still protecting your assets.

Cost effective 2016 Ford Fusion insurance can be purchased on the web as well as from independent agents, and you need to comparison shop both to have the best rate selection. Some insurance companies don’t offer online price quotes and many times these small insurance companies only sell through independent insurance agents.

Throughout this article, we presented many ways to shop for insurance online. It’s most important to understand that the more times you quote, the higher the chance of saving money. You may be surprised to find that the lowest premiums are with an unexpected company. Some small companies may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate and Progressive.

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