Cheaper 2008 Ford Fusion Insurance Rates

Want better insurance coverage rates for your Ford Fusion? Pricey insurance coverage can empty your bank account, especially in this economy. Vehicle owners have multiple auto insurance companies to choose from, and although it’s nice to have a choice, having more car insurance companies makes it harder to find the best rates.

It’s smart to price shop coverage periodically because insurance coverage prices are constantly changing. Despite the fact that you may have had the lowest rates for Fusion insurance last year you will most likely find a better premium rate today. Ignore everything you know about insurance coverage because I’m going to let you in on the secrets to the tricks you need to know to find great coverage at a great price.

Take policy discounts and save

Companies offering auto insurance do not advertise all their discounts very well, so we break down a few of the more well known and the harder-to-find discounts that may be available.

  • Accident Forgiveness – Not a discount per se, but a handful of insurance companies may permit one accident before they charge you more for coverage if your claims history is clear for a set time period.
  • Discount for Life Insurance – If the company offers life insurance, you could get a discounted insurance coverage rate on car insurance if you buy auto and life insurance together.
  • Federal Government Employee – Employees or retirees of the government could provide a small rate reduction for Fusion insurance with some insurance coverage companies.
  • Discount for Passive Restraints – Factory air bags or automatic seat belts could see savings of 20 to 30 percent.
  • 55 and Retired – Older drivers may receive a small discount on rates for Fusion insurance.
  • Low Miles Discount – Low annual miles could earn lower premium rates on the low mileage vehicles.
  • Discounts for Responsible Drivers – Insureds who avoid accidents can save up to 40% or more on their car insurance quote for Fusion insurance than less cautious drivers.
  • Switch and Save Discount – Some insurance companies reward drivers for switching companies before your current coverage expires. This can save 10% or more.
  • Distant Student – Any of your kids living away from home attending college and do not have a car may be able to be covered for less.

A quick disclaimer, most credits do not apply to the entire policy premium. A few only apply to the price of certain insurance coverages like comprehensive or collision. So despite the fact that it appears all the discounts add up to a free policy, company stockholders wouldn’t be very happy. Any qualifying discounts will reduce the cost of coverage.

Some of the larger companies that possibly offer some of the above discounts are:

Before buying, ask each insurance company which discounts they offer. Savings might not be offered everywhere. To view insurers who offer online insurance coverage quotes, follow this link.

Why you might pay lower rates

Many different elements are part of the equation when quoting car insurance. A few of the factors are predictable like your driving record, but others are less apparent such as your credit history or how safe your car is.Consumers need to have an understanding of the rating factors that play a part in calculating the price you pay for car insurance. If you have some idea of what influences your rates, this helps enable you to make changes that could help you find better car insurance rates.

  • Alarm systems lowers rates – Choosing to buy a car with a theft deterrent system can earn a premium discount. Theft prevention features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system help track and prevent vehicle theft.
  • Do you really need to file that insurance claims? – Auto insurance companies give lower rates to drivers who do not rely on their insurance for small claims. If you frequently file small claims, you can expect either a policy non-renewal or much higher rates. Your car insurance is intended to be relied upon for the large, substantial claims.
  • Single drivers may have higher premiums – Having a significant other may earn you lower rates on car insurance. Marriage usually means you are more responsible it has been statistically shown that married drivers tend to have fewer serious accidents.
  • Pleasure use or commuting – The higher the miles on your Ford each year the more you’ll pay to insure your vehicle. A lot of insurance companies charge rates based upon how you use the vehicle. Vehicles that have low annual miles qualify for better rates than those that get driven frequently. An improperly rated Fusion may be wasting your money. Verify your policy shows the correct usage for each vehicle.

Which policy gives me the best coverage?

When buying adequate coverage, there isn’t really a single plan that fits everyone. Every insured’s situation is different and a cookie cutter policy won’t apply. For instance, these questions could help you determine if your situation may require specific advice.

  • Do I need medical payments coverage since I have good health insurance?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • What is the rate difference between pleasure use and commuting?
  • Am I getting all the discounts available?
  • Does my car insurance cover rental cars?
  • How can I force my company to pay a claim?
  • What is UM/UIM insurance?
  • What if I total my 2008 Ford Fusion and owe more than it’s worth?
  • When would I need additional glass coverage?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.

Beware of misleading car insurance ads

Consumers get pounded daily by advertisements for the lowest price car insurance by companies like State Farm, Allstate and Geico. They all seem to make the same claim of big savings if you get a free car insurance quote and switch your coverage.

How can each company offer drivers better rates? Just pay attention to how they say it.

Insurance companies quote their best rates for the type of driver that will not have excessive claims. A good example of a desirable risk might be a married male, owns a home, and has great credit. Any customer who matches those parameters will probably get the lowest rates and will probably cut their rates if they switch.

Consumers who are not a match for these standards will probably have to pay more expensive rates with the end result being the customer not purchasing. The trick companies use is to say “customers who switch” not “everyone that quotes” can get the lowest rates when switching. That’s why companies can truthfully make it sound like they have such great prices.

Because each company has a different risk profile, you absolutely need to compare price quotes frequently. It’s not possible to predict which company will provide the lowest premium rates.

Car insurance 101

Having a good grasp of a auto insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. These are the normal coverages available from auto insurance companies.

Collision coverage protection

This coverage will pay to fix damage to your Fusion from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like sustaining damage from a pot hole, driving through your garage door, hitting a parking meter and rolling your car. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. You can also choose a higher deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as falling objects, a tree branch falling on your vehicle, damage from a tornado or hurricane, rock chips in glass and damage from flooding. The highest amount a auto insurance company will pay at claim time 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.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for immediate expenses such as chiropractic care, hospital visits, X-ray expenses and surgery. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Liability auto insurance

This will cover damage or injury you incur to people or other property. It protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as attorney fees, repair costs for stationary objects, medical expenses, medical services and legal defense fees. How much liability coverage do you need? That is a personal decision, but buy higher limits if possible.

Uninsured/Underinsured Motorist coverage

This provides protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Normally these coverages are identical to your policy’s liability coverage.

Find Good Coverage for Less

When searching for the cheapest car insurance quotes, do not reduce coverage to reduce premium. In many cases, an accident victim reduced liability coverage limits only to find out that it was a big mistake. Your goal should be to buy the best coverage you can find at the best possible price but still have enough coverage for asset protection.

Budget-friendly car insurance can be purchased on the web as well as from independent agents, so get free car insurance quotes from both of them to have the best rate selection. Some companies do not offer rates over the internet and usually these regional carriers work with local independent agents.

Throughout this article, we presented a lot of information how to save on 2008 Ford Fusion insurance. It’s most important to understand that the more quotes you get, the better chance you’ll have of finding the cheapest car insurance. Drivers may discover the best premium rates are with a company that doesn’t do a lot of advertising. They may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate and Progressive.

More detailed car insurance information is located in these articles: