2013 Ford Fusion Insurance Quotes

Are you sick and tired of not being able to scrape enough together to pay your insurance coverage bill each month? You have the same problem as the majority of other vehicle owners.

Many insurers vie for your insurance dollar, and it can be difficult to compare rates to find the absolute lowest rate possible.

If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using these tips. Finding the best rates is easy if you know what you’re doing. But consumers should learn how big insurance companies determine prices and take advantage of how the system works.

Lower your insurance prices

It’s important that you understand a few of the rating criteria that help calculate your policy premiums. If you have a feel for what positively or negatively impacts your premiums, this helps enable you to make changes that can earn you lower rates. Lots of things are considered when you get a price on insurance. Some of the criteria are obvious like a motor vehicle report, but others are more obscure like your vehicle usage or how safe your car is.

The factors shown below are some of the factors used by insurance companies to determine prices.

  • Do you save by driving less? – The higher the mileage driven in a year’s time the higher the price you pay to insure it. Most insurance companies charge to insure your cars based on their usage. Cars and trucks used primarily for pleasure use can be on a lower rate level compared to those used for work or business. Verify your car insurance policy is rated on how each vehicle is driven, because improper ratings can cost you money. Improper usage on your Fusion may be costing you higher rates.
  • Occupation stress can make you pay more – Occupational choices like military personnel, business owners and dentists tend to have higher premium rates due to stressful work requirements and incredibly demanding work hours. On the other hand, jobs like scientists, historians and retirees have lower than average premiums for Fusion insurance.
  • Men are more aggressive – Over the last 30 years, statistics show that females take fewer risks when driving. Now that doesn’t mean women are better drivers. Females and males tend to get into auto accidents at a similar rate, but the male of the species tend to have higher claims. Men also tend to get cited for more serious violations like driving under the influence (DUI). Youthful male drivers are the most expensive to insure and therefore are the most expensive to insure.
  • Poor credit score equals high prices – Having a bad credit rating is a large factor in calculating your car insurance rates. So if your credit could use some work, you could be paying less to insure your 2013 Ford Fusion if you improve your credit rating. Insureds with excellent credit tend to be more responsible and file fewer claims than drivers with lower credit scores.

How much is auto insurance?

There are a variety of methods to shop for auto insurance, but some are more efficient than others. You can waste a few hours (or days) discussing policy coverages with insurance agencies in your area, or you could save time and use the internet to achieve your goal.

Most car insurance companies enroll in a system that enables customers to submit their information once, and each company provides a quote based on that data. This eliminates the need for quote requests for each company you want a rate for. To access this free quoting program, click here to open in new window.

The only downside to doing it this way is that consumers can’t choose which providers you will receive quotes from. If you prefer to choose individual companies to compare rates, we have a listing of companies who write auto insurance in your area. View list of insurance companies.

How you compare quotes is your choice, just do your best to enter the exact same deductibles and coverage limits for each comparison quote. If you enter mixed coverages you can’t possibly make a fair rate comparison. Just slight variations in coverage limits could skew the results. And when price shopping your coverage, comparing more quotes will increase your chances of finding the best price.

Save $396 a year! What?

Well-known car insurance companies like 21st Century, Allstate and State Farm endlessly run television, radio, and online ads. All the ads convey the message that people will save just by switching your coverage. How does every car insurance company make the same claim? This is the trick they use.

Companies quote the lowest rates for the type of customer that will most likely be profitable. One example of a profitable customer may need to be between the ages of 30 and 50, has a clear driving record, and the vehicle is rated for pleasure use. Any person who meets those qualifications will get the preferred auto insurance rates and as a result will probably save a lot of money.

Drivers who do not meet the “perfect” profile will see a higher premium with the end result being business going elsewhere. The ads state “customers that switch” not “everyone who quotes” save that much money. This is how insurance companies can make the claims of big savings. Because of the profiling, drivers must do a rate comparison at every renewal. Because you cannot predict which company will give you the biggest savings.

Get lower rates by taking advantage of discounts

Car insurance companies don’t necessarily list their entire list of discounts very clearly, so the following is a list of both well-publicized and the harder-to-find discounts that you may qualify for. If they aren’t giving you every credit you deserve, it’s possible you qualify for a lower rate.

  • Save with a New Car – Insuring a new car can be considerably cheaper since new model year vehicles are generally safer.
  • Braking Control Discount – Cars, trucks, and SUVs with ABS braking systems or traction control can avoid accidents and the ABS can save up to 10%.
  • Seat Belts Save more than Lives – Forcing all vehicle occupants to use their safety belts could save 15% on medical payment and PIP coverage.
  • Federal Employees – Simply working for the federal government could cut as much as 10% off for Fusion insurance depending on your company.
  • Payment Discounts – If you pay your bill all at once instead of monthly or quarterly installments you can avoid monthly service charges.
  • Onboard Data Collection – Insureds that choose to allow their company to analyze where and when they drive by using a small device installed in their vehicle such as Snapshot from Progressive or Drivewise from Allstate could see a rate decrease if they exhibit good driving behavior.
  • Distant Student – Any of your kids who attend college more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
  • Cautious Drivers – Drivers without accidents can pay as much as 50% less for Fusion insurance compared to rates paid by drivers with frequent claims.
  • No Charge for an Accident – Not necessarily a discount, but some insurance companies may permit one accident before they charge you more for coverage if your claims history is clear before the accident.

Discounts save money, but please remember that most of the big mark downs will not be given to your bottom line cost. Most only apply to the cost of specific coverages such as comprehensive or collision. So even though you would think adding up those discounts means a free policy, it doesn’t quite work that way. But any discount will help lower your policy cost.

If you would like to choose from a list of companies that offer the discounts shown above, click here.

How much insurance coverage do I need?

When it comes to buying the best insurance coverage coverage for your vehicles, there really is no one size fits all plan. Every insured’s situation is different so this has to be addressed. These are some specific questions may help highlight if your insurance needs may require specific advice.

  • Does my liability insurance cover pulling a trailer or camper?
  • Do I have any recourse if my insurance company denies a claim?
  • Am I covered when driving someone else’s vehicle?
  • Is there coverage for injuries to my pets?
  • Is a blown tire covered by insurance?
  • Where can I find high-risk insurance?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Do I need PIP coverage since I have good health insurance?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier

The coverage is in the details

Knowing the specifics of auto insurance can help you determine the right coverages for your vehicles. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on the average auto insurance policy.

Collision coverages – This pays for damage to your Fusion resulting from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like crashing into a building, hitting a mailbox, colliding with a tree, driving through your garage door and crashing into a ditch. This coverage can be expensive, so consider removing coverage from lower value vehicles. You can also increase the deductible to get cheaper collision coverage.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries and damage to your 2013 Ford Fusion.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Coverage for medical expenses – Coverage for medical payments and/or PIP provide coverage for immediate expenses for ambulance fees, chiropractic care, dental work, hospital visits and surgery. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers both the driver and occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Liability auto insurance – This coverage provides protection from damage or injury you incur to other’s property or people that is your fault. It protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims like pain and suffering, loss of income, legal defense fees, medical expenses and funeral expenses. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive auto insurance – This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as damage from flooding, damage from getting keyed and hitting a deer. The highest amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

A penny earned…

When shopping online for insurance coverage, make sure you don’t buy less coverage just to save a little money. Too many times, someone dropped liability limits or collision coverage only to regret that a couple dollars of savings turned into a financial nightmare. The proper strategy is to purchase a proper amount of coverage for the lowest cost while still protecting your assets.

Some insurance providers may not provide rate quotes online and usually these smaller companies prefer to sell through independent agents. Affordable 2013 Ford Fusion insurance can be bought from both online companies and from local insurance agents, so compare prices from both in order to have the best chance of saving money.

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