Lower Your 2018 Ford Fusion Insurance Rates

Searching for cheaper insurance rates for your Ford Fusion? If you’re new to shopping for insurance quotes online, by this point your are probably overwhelmed because of the huge number of insurance companies offering coverage.

Buying car insurance is easy if you know what you’re doing. If you currently have car insurance, you will be able to cut costs considerably using this strategy. Although vehicle owners should learn how big insurance companies price insurance differently.

Compare quotes for insurance

There are several ways to compare insurance quotes, but one way is more efficient than others. You can spend countless hours driving to agents in your area, or you can stay home and use online quoting to get pricing more quickly.

Most major companies participate in an industry program that allows shoppers to submit one quote, and each company then gives them pricing based on that information. This saves time by eliminating quotation requests for each company.

To find out how much you can save on insurance click to open in new window.

The one downside to getting quotes like this is that consumers can’t choose the providers to get quotes from. If you wish to select from a list of companies to receive pricing from, we have assembled a list of low cost insurance companies in your area. Click here to view list.

Whichever method you choose, ensure you’re using nearly identical quote data for every quote you compare. If your comparisons have different deductibles you will not be able to decipher which rate is best. Just slight variations in limits may result in a large different in cost. And when comparing insurance rates, know that getting more free quotes provides better odds of finding more affordable insurance. Some companies don’t provide rate quotes online, so you need to compare prices from them as well.

Discounts can really help to save

Insurance is not an enjoyable expense, but there may be some discounts that many people don’t even know exist. Many discounts should be triggered when you purchase, but a few must be inquired about before they will apply.

  • Auto/Home Discount – When you have multiple policies with the same company you may save up to 20% and get you low cost insurance.
  • No Claims – Drivers who don’t have accidents get the best insurance rates as opposed to frequent claim filers.
  • Switch and Save Discount – Some insurance companies reward drivers for switching companies prior to your current policy expiring. It’s a savings of about 10%.
  • Home Ownership Discount – Owning a house can earn you a little savings since owning and maintaining a home is proof that your finances are in order.
  • Driver’s Education for Students – It’s a good idea to have your young drivers complete a driver education course if it’s offered in school.
  • Accident Forgiveness – Not really a discount, but some insurance companies will forgive one accident before your rates go up if you have no claims for a particular time prior to the accident.
  • Multiple Vehicles – Buying a policy with multiple cars with the same insurance company can reduce the rates for all insured vehicles.
  • Theft Prevention System – Vehicles that have factory anti-theft systems are stolen less frequently and that can save you a little bit as well.
  • Good Driver Discounts – Insureds without accidents may receive a discount up to 45% for Fusion insurance than less cautious drivers.

Please keep in mind that most discounts do not apply the the whole policy. The majority will only reduce specific coverage prices like liability and collision coverage. So despite the fact that it appears all the discounts add up to a free policy, it just doesn’t work that way. Any qualifying discounts will definitely reduce the cost of your policy.

A list of insurance companies and some of the premium reductions they offer can be found below.

  • State Farm has discounts for good driver, multiple policy, driver’s education, safe vehicle, defensive driving training, multiple autos, and anti-theft.
  • Geico offers discounts for good student, membership and employees, anti-lock brakes, driver training, federal employee, and defensive driver.
  • SAFECO may offer discounts for anti-lock brakes, multi-car, safe driver, teen safe driver, and bundle discounts.
  • Farmers Insurance may include discounts for homeowner, distant student, switch companies, electronic funds transfer, early shopping, bundle discounts, and alternative fuel.
  • AAA discounts include pay-in-full, AAA membership discount, multi-policy, education and occupation, anti-theft, and good student.
  • USAA includes discounts for driver training, loyalty savings, annual mileage, vehicle storage, military installation, defensive driver, and new vehicle.

If you are trying to find the cheapest insurance quotes, ask every prospective company which discounts you may be entitled to. All car insurance discounts might not be available to policyholders everywhere.

The Ford Fusion insurance cost equation

Lots of factors are used when you quote your car insurance policy. Some factors are common sense like a motor vehicle report, although others are less apparent such as whether you are married or your vehicle rating.

  • Your address can impact rates – Choosing to live in areas with lower population has definite advantages when it comes to insurance coverage. City drivers tend to have traffic congestion and more severe claims. Less people living in that area means a lower chance of having an accident and a lower car theft rate.
  • Cheaper insurance coverage rates using alarms and GPS tracking – Purchasing a vehicle with anti-theft technology or alarm system can help bring down rates. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help stop your vehicle from being stolen.
  • Safer the car lower the rate – Vehicles with good safety scores can get you lower premiums. Safe vehicles have better occupant injury protection and lower rates of occupant injuries translates into savings for insurance companies passed on to you as lower rates. If your Ford Fusion scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
  • Teenagers are high risk – Inexperience drivers are statistically shown to get distracted easily with other occupants in the car and because of this, their insurance coverage rates are much higher. More experienced drivers are proven to be safer behind the wheel, file fewer claims and tend to be get fewer driving tickets.
  • Having a spouse can save on insurance coverage – Having a wife or husband actually saves money compared to being single. Having a significant other is viewed as being more responsible and it’s statistically proven that being married results in fewer claims.
  • Males tend to take more risk – Over the last 30 years, statistics show that men are more aggressive behind the wheel. Now that doesn’t mean men are worse drivers. Males and females have accidents at a similar rate, but the males cause more damage and cost insurance companies more money. In addition to higher claims, males also get cited for more serious violations such as driving while intoxicated (DWI) or driving recklessly. Youthful male drivers are several times more likely to be in an accident and therefore pay the highest rates.

Will just any policy work for me?

When buying the best auto insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Everyone’s needs are different.

For example, these questions can help discover if your insurance needs would benefit from professional advice.

  • How much can I save by bundling my policies?
  • Can my teen drive my company car?
  • Will I lose any money if I cancel my policy before it expires?
  • Can I rent a car in Mexico?
  • Am I better off with higher deductibles on my 2018 Ford Fusion?
  • Should I bundle my homeowners policy with my auto?
  • Does my 2018 Ford Fusion need full coverage?
  • Am I insured when driving a different vehicle?

If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form.

Insurance advertising tricks

Respected companies like State Farm and Allstate regularly use television and radio advertisements. All the ads advertise claims about saving some big amount just by switching your auto insurance policy to them. Is it even possible that every company can make almost identical claims? Just pay attention to how they say it.

Insurance providers can use profiling for a prospective insured that earns them the highest profit. For instance, a profitable customer could possibly be a mature driver, owns a home, and drives a lower-performance vehicle. Any person who matches those parameters is entitled to the best price and as a result will probably cut their rates substantially.

Consumers who do not meet this stringent profile will have to pay a higher rate and this results in the customer not purchasing. If you listen closely, the ads state “people that switch” not “everyone that quotes” can get the lowest rates when switching. That’s the way insurance companies can make those statements. That is why you need to compare quotes as often as possible. It’s just too difficult to predict with any certainty which company will have the best premium rates for your profile.

Car insurance coverage basics

Knowing the specifics of car insurance helps when choosing which coverages you need at the best deductibles and correct limits. Car insurance terms can be confusing and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and also any damage incurred to your Ford Fusion.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like ambulance fees, hospital visits, surgery, X-ray expenses and dental work. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Comprehensive coverage

This 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 hitting a deer, fire damage and theft. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for liability

Liability coverage will cover damage that occurs to other people or property in an accident. It protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability can pay for claims such as loss of income, medical services, emergency aid, funeral expenses and repair costs for stationary objects. How much coverage you buy is a personal decision, but you should buy as large an amount as possible.

Auto collision coverage

This coverage covers damage to your Fusion resulting from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things like sustaining damage from a pot hole, sideswiping another vehicle, hitting a mailbox and scraping a guard rail. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to save money on collision insurance.

Shop Smart and Save

While you’re price shopping online, make sure you don’t buy less coverage just to save a little money. There are a lot of situations where consumers will sacrifice comprehensive coverage or liability limits and learned later they didn’t have enough coverage. Your objective should be to buy the best coverage you can find at an affordable rate, not the least amount of coverage.

The cheapest 2018 Ford Fusion insurance can be bought online and also from your neighborhood agents, so you should be comparing quotes from both to have the best selection. Some insurance companies do not offer online rate quotes and most of the time these smaller providers only sell coverage through local independent agents.

Drivers change insurance companies for a number of reasons such as not issuing a premium refund, policy cancellation, extreme rates for teen drivers and unfair underwriting practices. It doesn’t matter why you want to switch choosing a new insurance company is pretty simple and you could end up saving a buck or two.

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