2010 Ford Fusion Car Insurance Quotes – 9 Tips for Cheapest Rates

Buyers have options when searching for the best price on Ford Fusion insurance. They can either spend hours contacting agents getting price quotes or leverage the internet to compare rates. There are more efficient ways to buy car insurance so we’re going to tell you the quickest way to quote coverages on a Ford and get the lowest price from both online companies and local agents.

Finding affordable coverage is not that difficult. If you have car insurance now, you will be able to reduce your rates substantially using this information. Vehicle owners just need to understand the best way to compare prices over the internet.

How to find cheap insurance coverage

Getting cheap 2010 Ford Fusion insurance coverage pricing is actually easier than you may think. All you need to do is invest a few minutes comparing free insurance quotes online from several insurance companies. Comparing prices online can be done in several different ways.

Probably the best way to get the best comparison quotes is to use a rate comparison form click here to open form in new window. This quick form prevents you from having to do separate quotes to each individual insurance coverage company. One form will return price quotes from several companies.It’s the quickest way to get rates.

A more time consuming way to compare prices is going to the website of each company and get a separate price quote. For instance, we’ll assume you want comparison quotes from USAA, Safeco and State Farm. To get each rate you have to spend time on each company’s site to input your insurance information, and that explains why we recommend the first method.

For a list of links to insurance companies in your area, click here.

Which method you use is up to you, but compare nearly identical quote data on every price quote you get. If you enter higher or lower deductibles it will be next to impossible to make a fair rate comparison.

Save money by applying these nine discounts

Insurance can be prohibitively expensive, but you may find discounts to cut the cost considerably. Most are applied when you get a quote, but once in a while a discount must be manually applied before being credited.

  • Multi-policy Discount – If you insure your home and vehicles and place coverage with the same company you may save nearly 15% which can help you find inexpensive insurance.
  • Air Bags and Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems may qualify for discounts of 25 to 30%.
  • Discount for Life Insurance – Companies who offer life insurance give a break if you buy some life insurance in addition to your auto policy.
  • Good Students Pay Less – Excelling in school may save as much as 25% on a insurance quote. The good student discount can last well after school through age 25.
  • No Accidents – Good drivers with no accidents are rewarded with significantly better rates on insurance quote when compared to policyholders that have many claims.
  • One Accident Forgiven – Not really a discount, but certain companies will turn a blind eye to one accident before raising your premiums if you are claim-free for a particular time prior to the accident.
  • Use Seat Belts – Drivers who require all occupants to use a seat belt can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
  • New Car Discount – Buying a new car instead of a used car can get you a discount due to better safety requirements for newer vehicles.
  • Drivers Education – Have your child participate in a local driver’s education class in school or through a local driver safety program.

Please keep in mind that most of the big mark downs will not be given to all coverage premiums. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like you could get a free insurance policy, nobody gets a free ride.

A partial list of companies that possibly offer these benefits include:

If you need lower rates, check with every insurance company how many discounts you can get. Some of the discounts discussed earlier may not be available in every state. If you would like to see a list of companies who offer discounts, click here.

Your insurance coverage should be tailored to you

When it comes to choosing coverage for your vehicles, there really is no single plan that fits everyone. Every insured’s situation is different.

These are some specific questions may help you determine if your insurance needs could use an agent’s help.

  • What should my uninsured motorist coverage limits be in my state?
  • Do I need PIP coverage since I have good health insurance?
  • Do I need an umbrella policy?
  • Do I benefit by insuring my home with the same company?
  • What is high-risk coverage and where do I buy it?
  • Is my 2010 Ford Fusion covered for smoke damage?
  • Will my vehicle be repaired with OEM or aftermarket parts?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out this quick form. It’s fast, doesn’t cost anything and may give you better protection.

Coverage specifics

Understanding the coverages of a insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Liability

Liability insurance provides protection from damage or injury you incur to other’s property or people. This insurance protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability can pay for claims such as pain and suffering, repair bills for other people’s vehicles, attorney fees, medical expenses and funeral expenses. How much coverage you buy is up to you, but you should buy as large an amount as possible.

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as damage from a tornado or hurricane, damage from flooding, hitting a deer and fire damage. The maximum payout your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverage protection

This coverage pays for damage to your Fusion resulting from a collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as sideswiping another vehicle, backing into a parked car, hitting a mailbox, colliding with another moving vehicle and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also raise the deductible to bring the cost down.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for expenses for ambulance fees, EMT expenses, prosthetic devices and pain medications. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover getting struck while a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection from other motorists when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and damage to your 2010 Ford Fusion.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.