View 2017 Ford Fusion Energi Insurance Cost

Searching for lower auto insurance rates for your Ford Fusion Energi? Do you think you bought an overpriced auto insurance policy? You’re in good company because many drivers have buyer’s remorse.

Lots of car insurance companies contend for your hard-earned dollar, and it can be difficult to compare rates to find the best price available.

If you have car insurance now, you will most likely be able to reduce your rates substantially using these methods. Buying car insurance is not that difficult. Nevertheless, car owners do need to know how companies sell online and take advantage of how the system works.

How to compare car insurance quotes

When looking for cheap insurance quotes, there are a couple ways to compare rate quotes from many car insurance companies in your state. By far the easiest way to comparison shop is to use the internet to compare rates. This can be accomplished in a couple minutes as outlined below.

One of the fastest ways to get quotes for comparison is a comparison rater form click to view form in new window. This form saves time by eliminating separate quotation requests for every car insurance company. A single, simple form will return price quotes from all major companies.
A different way to obtain and compare quotes online consists of going to the website of each company and repeat the quote process. For examples sake, we’ll pretend you want comparison quotes from Farmers, Liberty Mutual and Travelers. In order to get each rate, you would have to go to each individual site and type in your information over and over, which can get rather old. To view a list of companies in your area, click here.
Even if you have time, the least recommended way of getting rate comparisons is actually driving to insurance agents’ offices. The internet eliminates the need for an insurance agent unless you want the personal advice that only a licensed agent can provide. Although, it is possible compare the best prices online but have your policy serviced through an agent.

It’s up to you which method you use, but make absolute certain that you use exactly the same coverages and limits with every price quote. If each company quotes different limits and deductibles on each one you will not be able to determine the best price for your Ford Fusion Energi. Quoting even small variations in coverage limits could throw off the whole comparison. And when quoting car insurance, remember that comparing a large number of companies helps you find better pricing. Not every company does quotes online, so it’s important to compare rates from the smaller companies as well.

These discounts can lower your insurance rates

Insurance is not an enjoyable expense, but you may be missing some discounts that many people don’t even know exist. Certain discounts will be applied when you purchase, but occassionally some discounts must be asked for before they will apply.

Discounts for Multiple Vehicles – Buying coverage for multiple vehicles on one policy qualifies for this discount.
Sign Online – Some of the larger companies give back up to $50 just for signing your application digitally online.
Discount for Life Insurance – If the company offers life insurance, you could get lower insurancerates if you buy auto and life insurance together.
Discount for Passive Restraints – Vehicles with factory air bags or motorized seat belts can receive discounts of 25 to 30%.
Employee of Federal Government – Being employed by or retired from a federal job can save as much as 8% for Fusion Energi coverage depending on your insurance provider.
Early Signing – Some insurance companies reward drivers for switching companies prior to your current policy expiring. You can save around 10% with this discount.
No Charge for an Accident – This one isn’t a discount, but companies like Progressive and Allstate will let one accident slide before raising your premiums if you are claim-free before the accident.
Auto/Home Discount – When you have multiple policies with the same company you could get a discount of up to 20% off your total premium.
Telematics Data – Policyholders that allow their company to look at where and when they drive by using a telematic data system such as State Farm’s In-Drive could possibly reduce rates if they have good driving habits.

It’s important to understand that some credits don’t apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like collision or personal injury protection. So even though it sounds like adding up those discounts means a free policy, that’s just not realistic.

A list of insurance companies and some of their more popular discounts are detailed below.

State Farm offers discounts including good driver, driver’s education, Steer Clear safe driver discount, anti-theft, safe vehicle, defensive driving training, and Drive Safe & Save.
Nationwide policyholders can earn discounts including family plan, anti-theft, easy pay, Farm Bureau membership, good student, defensive driving, and accident-free.
Geico has savings for membership and employees, multi-policy, federal employee, good student, five-year accident-free, and military active duty.
AAA may have discounts that include multi-policy, multi-car, good student, education and occupation, and anti-theft.
21st Century includes discounts for anti-lock brakes, teen driver, air bags, student driver, homeowners, theft prevention, and 55 and older.
The Hartford offers discounts for good student, driver training, air bag, anti-theft, and vehicle fuel type.

Check with all the companies the best way to save money. Savings might not be offered on policies in your area. To find insurance companies who offer free insurance quotes, follow this link.

Different people need different car insurance coverages

When choosing coverage, there really is not a one size fits all plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that might help in determining whether you will benefit from professional help.

Am I covered when driving in Canada or Mexico?
Should I waive the damage coverage when renting a car?
Do I need PIP coverage since I have good health insurance?
How much can I save by bundling my policies?
Will my rates increase for filing one claim?
Does my insurance cover my expensive audio equipment?
How do I file an SR-22 for a DUI in my state?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of car insurance companies in your area.

Car insurance 101

Learning about specific coverages of your insurance policy aids in choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Shown next are typical coverages offered by insurance companies.

Coverage for liability

This provides protection from injuries or damage you cause to other’s property or people in an accident. This insurance protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Another option is a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things like medical services, bail bonds, structural damage, pain and suffering and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but consider buying as much as you can afford.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like damage from flooding, falling objects and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Frequently these coverages are identical to your policy’s liability coverage.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as rolling your car, hitting a parking meter, scraping a guard rail, backing into a parked car and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses like funeral costs, hospital visits and surgery. They are often used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants as well as getting struck while a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage