View 2014 Ford Fusion Insurance Rates

Searching for the cheapest insurance for your Ford Fusion can normally be a lot of work, but you can learn these tips to find lower rates. There are both good and bad ways to find car insurance online so we’re going to tell you the quickest way to price shop coverage for a Ford and find the lowest possible price either online or from local insurance agents.

Choosing the best insurance company for you is easy if you know what you’re doing. If you are insured now or need a new policy, you will benefit by learning to cut your premiums and still get good coverage. Consumers only need to know the proper way to compare company rates online.

Insurance coverage policy discounts

Properly insuring your vehicles can get expensive, but there’s a good chance there are discounts that may help make it more affordable. Many of these discounts will be applied automatically when you quote, but a few must be manually applied before you get the savings.

  • 55 and Retired – Mature drivers may receive a discount up to 10% on Fusion coverage.
  • Discounts for Multiple Vehicles – Purchasing coverage when you have more than one vehicle on one policy can reduce rates for all insured vehicles.
  • Government Employees – Simply working for the federal government could qualify for a slight premium decrease on Fusion coverage depending on your insurance coverage provider.
  • New Car Discount – Putting insurance coverage coverage on a new car is cheaper since newer models are generally safer.
  • Safety Course Discount – Taking a defensive driving class can save you 5% or more and also improve your driving technique.
  • Auto/Home Discount – If you insure your home and vehicles and place coverage with the same company you may earn at least 10% off all policies.
  • Data Collection Discounts – Drivers who agree to allow their insurance company to look at where and when they drive through the use of a telematics system such as In-Drive from State Farm or Allstate’s Drivewise system may get a rate reduction if they show good driving skills.
  • Air Bags and Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can get savings of 25 to 30%.
  • Low Miles Discount – Low mileage vehicles may allow you to get lower rates on the low mileage vehicles.
  • Student Driver Training – It’s a good idea to have your young drivers enroll and complete driver’s education in high school.

Just know that many deductions do not apply to the entire policy premium. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. So when it seems like you would end up receiving a 100% discount, insurance coverage companies aren’t that generous.

The best insurance coverage companies and a partial list of their discounts include:

  • State Farm offers discounts including passive restraint, Steer Clear safe driver discount, accident-free, student away at school, anti-theft, and defensive driving training.
  • Geico has savings for seat belt use, multi-vehicle, anti-lock brakes, military active duty, defensive driver, and anti-theft.
  • Progressive includes discounts for multi-vehicle, multi-policy, homeowner, continuous coverage, online quote discount, online signing, and good student.
  • 21st Century may include discounts for driver training, anti-lock brakes, automatic seat belts, theft prevention, early bird, and teen driver.
  • American Family has discounts for Steer into Savings, accident-free, air bags, good driver, TimeAway discount, early bird, and mySafetyValet.
  • The Hartford may offer discounts for air bag, anti-theft, defensive driver, vehicle fuel type, driver training, good student, and bundle.
  • AAA may have discounts that include pay-in-full, good student, good driver, education and occupation, and multi-policy.

It’s a good idea to ask every company which discounts can lower your rates. All car insurance discounts might not be offered on policies in your state. For a list of insurance companies that provide some of the discounts listed above, click this link.

Components of your Ford Fusion insurance rates

Consumers need to have an understanding of the factors that are used to determine insurance coverage rates. When you understand what determines premiums, this helps enable you to make changes that can earn you lower premium levels.

  • Having a spouse brings a discount – Being married actually saves money on insurance coverage. Having a spouse usually means you are less irresponsible and statistics prove married couples file fewer claims.
  • Safety first – Vehicles that have high safety ratings tend to have better insurance rates. Safe vehicles result in less severe injuries and fewer injuries translates directly to fewer claims and thus lower rates.
  • Rates for men may be higher – Statistics have proven females are less aggressive when driving. That doesn’t necessarily mean that men are worse drivers. Females and males cause auto accidents in similar numbers, but guys cause more damage and cost insurance companies more money. Not only are claims higher, but men have more aggressive citations such as reckless driving. Young men ages 16 to 20 tend to get in the most accidents and therefore pay the highest rates.
  • Lower rates with a multi-policy discount – Most major insurance coverage companies give better rates to buyers who consolidate policies with them. It’s known as a multi-policy discount. Even with this discount, it’s in your best interest to check prices from other companies to confirm you are receiving the best rates possible. You may still be able to save more without the discount by splitting coverages up.
  • Low physical damage deductibles can be expensive – Physical damage protection, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Ford. Some instances where coverage would apply are a dented fender, damage caused by hail, and damage from a fallen tree branch. Your deductibles define how much you are willing to pay in the event of a claim. The larger the amount the insured is willing to pay, the less your insurance coverage will be on Fusion coverage.
  • Your car’s features help determine prices – Choosing to buy a car with advanced anti-theft systems can save you some money. Anti-theft features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent your vehicle from being stolen.

How do I know if I need professional advice?

When it comes to choosing the right insurance coverage for your vehicles, there is no single plan that fits everyone. Your needs are not the same as everyone else’s.

These are some specific questions can aid in determining if your situation could use an agent’s help.

  • Do I need an umbrella policy?
  • How high should my uninsured/underinsured coverage be in my state?
  • What is the ISO rating for a 2014 Ford Fusion?
  • Should I buy only the required minimum liability coverage?
  • Do I need special endorsements for business use of my vehicle?
  • Why do I need rental car insurance?
  • Am I covered when pulling a rental trailer?

If you can’t answer these questions, you might consider talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and can provide invaluable advice.

Car insurance coverages for a 2014 Ford Fusion

Understanding the coverages of a car insurance policy helps when choosing appropriate coverage and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Comprehensive coverage

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like a broken windshield, damage from a tornado or hurricane and fire damage. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability insurance

Liability coverage provides protection from damage that occurs to a person or their property. It protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability can pay for claims such as medical expenses, attorney fees, repair bills for other people’s vehicles and funeral expenses. The amount of liability coverage you purchase is up to you, but buy higher limits if possible.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for things like chiropractic care, dental work and surgery. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover both the driver and occupants and also covers being hit by a car walking across the street. PIP is not available in all states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Ford Fusion.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as crashing into a building, backing into a parked car, driving through your garage door and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to raise the deductible to save money on collision insurance.

Saving money is sweet as honey

We just showed you some good ideas how to compare 2014 Ford Fusion insurance prices online. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even find the biggest savings come from some of the lesser-known companies.

When getting insurance coverage quotes online, you should never reduce needed coverages to save money. There have been many cases where an insured dropped liability coverage limits only to regret that they should have had better coverage. Your strategy should be to buy a smart amount of coverage at an affordable rate, but don’t skip important coverages to save money.

Some auto insurance companies do not provide online price quotes and these smaller providers only sell coverage through local independent agents. Cheaper auto insurance can be found on the web as well as from independent agents, and you need to comparison shop both to have the best rate selection.

Additional auto insurance information can be found at the links below