2010 Ford Fusion Hybrid Car Insurance Cost

No one cherishes buying auto insurance, especially when the cost is too high.

Drivers have multiple car insurance companies to buy insurance from, and even though it’s nice to have multiple companies, it can be more challenging to locate the cheapest rates.

You should take the time to take a look at other company’s rates periodically because prices trend upward over time. Just because you had the lowest rates for Fusion Hybrid coverage two years ago the chances are good that you can find a lower rate today. You can find a lot of wrong information about auto insurance online, so I’m going to show you some good information on how to reduce your auto insurance bill.

The purpose of this article is to help educate you on how car insurance quotes work. If you currently have car insurance, you will most likely be able to save some money using these methods. But drivers do need to learn how companies compete online because it can help you find the best coverage.

Finding Auto Insurance

When shopping for auto insurance there are multiple ways to compare quotes from local auto insurance companies. One of the best ways to find the lowest 2010 Ford Fusion Hybrid rates is to perform an online rate comparison. This can be accomplished in a couple of different ways.

One of the best ways consumers can make multiple comparisons would be an industry-wide quote request form like this one (opens in new window). This type of form saves time by eliminating separate forms to each individual auto insurance company. A single form will return quotes instantly.

A less efficient way to find lower rates requires a trip to the website of each company and complete a new quote form. For instance, we’ll assume you want comparison quotes from State Farm, Safeco and Farmers. You would have to take the time to go to each site to input your insurance information, which is why the first method is more popular. To view a list of companies in your area, click here.

The hardest method to compare rates is to spend time driving to different agent offices. The internet eliminates the need for an insurance agent unless you have a need for the professional guidance of a licensed agent. It is possible to get prices online and get advice from an agent in your area and we’ll cover that in a bit.

It’s up to you which method you use, but ensure you are comparing the exact same coverage limits and deductibles on every quote. If your comparisons have different liability limits you can’t possibly truly determine the lowest rate. Having just a slight variation in coverages may result in large price differences. And when price shopping your coverage, getting more free quotes provides better odds of finding the best offered rates.

How much can you save with discounts?

Car insurance is not cheap, but discounts can save money and there are some available that many people don’t even know exist. Certain discounts will be triggered automatically at the time of purchase, but some must be requested specifically before you get the savings.

55 and Retired – If you’re over the age of 55, you may be able to get a discount up to 10% for Fusion Hybrid coverage.
E-sign – Certain companies give back up to $50 simply for signing digitally online.
Early Switch Discount – A few companies offer discounts for buying a policy before your current expiration date. It’s a savings of about 10%.
Multi-policy Discount – If you insure your home and vehicles with one company you could get a discount of approximately 10% to 15%.
Memberships – Being a member of certain professional organizations could qualify you for a break on car insurance for Fusion Hybrid coverage.
Safety Course Discount – Taking part in a course teaching defensive driving skills could possibly earn you a 5% discount if your company offers it.
Government Employees – Employees or retirees of the government may qualify you for a discount for Fusion Hybrid coverage with certain companies.
Good Students Pay Less – Getting good grades can be rewarded with saving of up to 25%. This discount can apply up until you turn 25.
Safe Driver Discount – Drivers who avoid accidents can get discounts for up to 45% lower rates for Fusion Hybrid coverage than their less cautious counterparts.

As a disclaimer on discounts, most discount credits are not given to the entire policy premium. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like you could get a free car insurance policy, you’re out of luck. But any discount will help reduce your overall premium however.

A partial list of companies that possibly offer these money-saving discounts include:

Check with all companies you are considering which discounts you may be entitled to. Some discounts may not be available in your state.

How much car insurance do I need?

When it comes to buying adequate coverage for your personal vehicles, there really is not a single plan that fits everyone. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For example, these questions might point out whether your personal situation might need an agent’s assistance.

Am I covered when driving someone else’s vehicle?
Does car insurance cover theft of personal property?
How do I file an SR-22 for a DUI in my state?
Is other people’s property covered if stolen from my vehicle?
Will my insurance pay for OEM parts?
Should I buy more coverage than the required minimum liability coverage?
Can I afford to pay high deductible claims out of pocket?
Should I put collision coverage on all my vehicles?
Where can I find high-risk insurance?
Does my policy cover my teen driver if they drive my company car?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an agent. If you want to speak to an agent in your area, complete this form or click here for a list of insurance coverage companies in your area.

Car insurance coverages 101

Understanding the coverages of your car insurance policy helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be impossible to understand and coverage can change by endorsement. Listed below are the normal coverages found on the average car insurance policy.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for expenses such as EMT expenses, dental work, chiropractic care, hospital visits and funeral costs. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers both the driver and occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Ford Fusion Hybrid.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Collision coverage

This pays for damage to your Fusion Hybrid resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims such as driving through your garage door, colliding with a tree and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Liability coverage

Liability insurance provides protection from injuries or damage you cause to other people or property. It protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 100/300/100 that translate to $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. Some companies may use a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as repair bills for other people’s vehicles, bail bonds and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford.

Comprehensive insurance

This coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, vandalism, damage from a tornado or hurricane, theft and damage from getting keyed. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.