Cheaper 2014 Ford Fusion Hybrid Car Insurance Rates

Searching for cheaper auto insurance rates for your Ford Fusion Hybrid? I doubt anyone looks forward to paying for auto insurance, especially when they know they are paying too much. Many auto insurance companies vie for your business, so it’s not easy to compare every provider to find the absolute lowest rate

Consumers need to do price comparisons every six months because rates are usually higher with each renewal. Even if you think you had the lowest rate on Fusion Hybrid coverage at your last renewal there may be better deals available now. You’ll find a ton of advice on auto insurance on the web, but in a few minutes you can learn a bunch of ideas how to save money.

Take advantage of every insurance coverage discount

Car insurance companies don’t necessarily list every possible discount in an easy-to-find place, so we researched some of the best known as well as the least known discounts that you may qualify for.

  • Anti-theft System – Anti-theft and alarm system equipped vehicles are stolen less frequently and will qualify for a discount on a insurance quote.
  • Telematics Data Discounts – People who choose to allow companies to scrutinize driving manner by using a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system could possibly reduce rates if they have good driving habits.
  • Discount for Swiching Early – A few insurance coverage companies give discounts for signing up prior to your current policy expiring. It’s a savings of about 10%.
  • Safety Restraint Discount – Requiring all passengers to buckle their seat belts may be able to save a few bucks off PIP or medical payments premium.
  • Active Service Discounts – Having an actively deployed family member can result in better prices.
  • Senior Citizen Discount – Mature drivers could receive a slight reduction on a insurance quote on Fusion Hybrid coverage.
  • Save with More Vehicles Insured – Buying a policy with several vehicles with one company may reduce the rate for each vehicle.

One thing to note about discounts is that many deductions do not apply the the whole policy. Most cut specific coverage prices like medical payments or collision. So when the math indicates you could get a free insurance coverage policy, insurance companies wouldn’t stay in business.

Popular insurance coverage companies and a summarized list of policyholder discounts are shown below.

  • Progressive offers discounts for homeowner, continuous coverage, online signing, multi-policy, online quote discount, good student, and multi-vehicle.
  • AAA offers discounts including AAA membership discount, multi-car, pay-in-full, good driver, and good student.
  • Farmers Insurance may have discounts that include multi-car, electronic funds transfer, alternative fuel, homeowner, pay in full, good student, and teen driver.
  • Geico has discounts for multi-vehicle, driver training, anti-theft, air bags, emergency military deployment, five-year accident-free, and seat belt use.
  • Esurance discounts include good student, multi-policy, online quote, good driver, and homeowner.
  • SAFECO may include discounts for teen safe driver, anti-lock brakes, accident prevention training, teen safety rewards, drive less, and anti-theft.
  • State Farm has savings for safe vehicle, multiple autos, driver’s education, passive restraint, Drive Safe & Save, and anti-theft.

Before you buy a policy, ask every prospective company how many discounts you can get. Depending on the company, some discounts might not be available to policyholders in your state. If you would like to choose from a list of insurance companies offering insurance coverage discounts, click this link.

How to buy insurance

Getting cheap 2014 Ford Fusion Hybrid insurance pricing can be relatively painless. You just need to spend a few minutes to compare rate quotes provided by online insurance companies. Insurance prices can be quoted by following the guidelines below.

  1. The easiest and least time consuming way to get quotes for comparison is a comparison rater form click here to open form in new window. This easy form prevents you from having to do separate quotation requests for each company you want a rate for. One form submission gets prices estimates from several companies.
  2. A more time consuming way to find more affordable insurance is spending the time to visit each company’s website to request a price quote. For instance, let’s assume you need rates from Farmers, Geico and Progressive. You would be required to spend time going to each site individually to enter your coverage information, which is why the first method is quicker. For a handy list of car insurance company links in your area, click here.

Which method you use is up to you, but be sure to compare identical information on every quote you get. If you compare different values for each quote it will be nearly impossible to determine the best price for your Ford Fusion Hybrid.

Why your insurance rates might be higher

Many factors are used when quoting car insurance. Some are obvious such as your driving history, but other criteria are less apparent like your vehicle usage or how financially stable you are.

  • Teen drivers pay more – Teenage drivers are statistically proven to be less responsible when driving therefore insurance rates are much higher. Parents adding a first-time driver onto a policy can be quite pricey. Older people are viewed as being more responsible, statistically cause fewer accidents and tend to be get fewer driving tickets.
  • Accidents drive up prices – Your driving record has a big impact on rates. Having just one driving citation can boost insurance rates to the point where it’s not affordable. Good drivers get better prices compared to drivers with tickets. Drivers who get serious violations like DUI or reckless driving might be required by their state to file a proof of financial responsibility form (SR-22) with their state’s department of motor vehicles in order to drive a vehicle legally.
  • Premiums are affected by your address – Residing in areas with lower population is a good thing when trying to find low car insurance rates. Less people corresponds to lower accident rates in addition to fewer liability claims. Drivers in populated areas have to deal with more road rage incidents and much longer commute distances. More time on the road means more chances of being involved in an auto accident.
  • Physical damage deductibles are a factor – Physical damage protection, also called comprehensive and collision insurance, is used to repair damage to your vehicle. Examples of some claims that would be covered would be colliding with a building, hail damage, and damage from a fallen tree branch. Deductibles for physical damage are the amount of money you are required to pay in the event of a claim. The larger the amount you pay before a claim is paid (deductible), the less money you will pay for insurance on Fusion Hybrid coverage.
  • Discounts for married couples – Walking down the aisle can get you a discount when buying insurance. Having a significant other means you’re more mature than a single person and statistics show drivers who are married file infrequent claims.
  • More stress means more cost – Did you know your occupation can influence how much you pay for insurance? Occupational choices like real estate brokersair traffic controllers and medical professionals usually pay the highest rates because of stressful work requirements and extremely grueling work hours. Other occupations such as professors, engineers and homemakers get better rates on Fusion Hybrid coverage.

How to know if you need help

When choosing the best car insurance coverage, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. Here are some questions about coverages that could help you determine if you could use an agent’s help.

  • Will my insurance pay for OEM parts?
  • What is no-fault insurance?
  • Can I rate high risk drivers on liability-only vehicles?
  • Which is better, split liability limits or combined limits?
  • Do I have newly-aquired coverage?
  • What is medical payments coverage?
  • Are rental cars covered under my policy?

If you don’t know the answers to these questions, you might consider talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of car insurance companies in your area. It is quick, free and may give you better protection.

Coverages available on your insurance policy

Knowing the specifics of insurance can help you determine which coverages you need and proper limits and deductibles. Insurance terms can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverage types offered by insurance companies.

Collision coverage protection

Collision insurance covers damage to your Fusion Hybrid resulting from a collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like colliding with a tree, sustaining damage from a pot hole and backing into a parked car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible in order to get cheaper collision rates.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as damage to your Ford Fusion Hybrid.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Liability

Liability coverage will cover damage or injury you incur to other people or property that is your fault. It protects you from claims by other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability coverage pays for things such as repair bills for other people’s vehicles, pain and suffering, structural damage and emergency aid. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical costs insurance

Coverage for medical payments and/or PIP pay for short-term medical expenses such as X-ray expenses, chiropractic care and pain medications. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage

Comprehensive or Other Than Collision

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like theft, hitting a bird and damage from getting keyed. The highest amount a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Be a Smart Shopper

You just learned many ideas to save on 2014 Ford Fusion Hybrid insurance. The most important thing to understand is the more rate comparisons you have, the higher the chance of saving money. Consumers could even find that the lowest premium rates are with some of the lesser-known companies. Some small companies may have significantly lower prices on certain market segments than the large multi-state companies such as State Farm or Progressive.

When searching for cheap insurance quotes, make sure you don’t reduce coverage to reduce premium. In many instances, an insured dropped liability limits or collision coverage only to discover later that their decision to reduce coverage ended up costing them more. The goal is to get the best coverage possible for the lowest price and still be able to protect your assets.

Some insurance companies may not provide internet price quotes smaller companies work with independent insurance agencies. Cheaper auto insurance is available online in addition to many insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money.

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