Lower Your 2018 Ford Fusion Insurance Quotes

Want the cheapest auto insurance rates for your Ford Fusion? Comparison shopping for cheap Driversauto insurance can be frustrating for drivers not familiar with shopping for insurance online. With a ridiculous number of online companies, it can be a lot of work to find the lowest price.

Lower-cost auto insurance rates with discounts

Companies do not advertise every policy discount in an easy-to-find place, so we researched a few of the more well known and the more hidden discounts that you may qualify for.

  • Drivers Education – It’s a good idea to have your young drivers enroll and complete driver’s education if offered at their school.
  • Student in College – Any of your kids who are enrolled in higher education away from home and won’t have access to an insured vehicle could get you a discount.
  • Payment Discounts – If you pay your bill all at once rather than spreading payments over time you may reduce your total bill.
  • Discount for Low Mileage – Maintaining low annual mileage may enable drivers to earn discounted auto insurancerates on garaged vehicles.
  • Professional Memberships – Joining a qualifying organization is a good way to get lower rates when shopping for auto insurance.
  • Multiple Policy Discount – If you can combine your auto and home policy with one company they may give you a discount of approximately 10% to 15%.
  • Switch and Save Discount – Some larger companies reward drivers for switching to them before your current coverage expires. You can save around 10% with this discount.
  • Air Bag Discount – Vehicles with factory air bags or automatic seat belts may qualify for discounts of more than 20%.

Drivers should understand that some of the credits will not apply to your bottom line cost. Some only apply to the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like you could get a free auto insurance policy, that’s just not realistic.

Some of the larger companies that may include these benefits are:

If you need affordable insurance coverage quotes, ask each company or agent which discounts you may be entitled to. Savings may not be available in your area. To view insurance companies that offer multiple discounts, click this link.

Cheapest insurance price quotes

To get inexpensive insurance coverage quotes, there a variety of ways of comparing price quotes from many different insurance companies. The easiest way to find the cheapest Ford Fusion insurance rates consists of obtaining rate quotes online. This is very easy and can be done in a couple minutes as outlined below.

If you’re in a hurry, the quickest way to get the best comparison quotes is a comparison rater form click here to open form in new window. This easy form keeps you from doing repetitive form submissions for every company. One form submission compares rates from multiple companies. This is by far the quickest method.

A different way to find lower rates requires you to visit each individual company website to request a price quote. For sake of this example, let’s say you want to get rates from Nationwide, Liberty Mutual and Progressive. You would need to spend time on each company’s site and repeatedly enter your information, and that explains why we recommend the first method.

To view a list of companies in your area, click here.

The last method to price shop rates is driving around to and from local insurance agencies. Comparing rate quotes online makes this unnecessary unless you require the professional abilities of a licensed agent. Drivers can price shop online and get advice from an agent in your area.

It doesn’t matter which method you choose, just do your best to use exactly the same deductibles and coverage limits on every price quote you get. If your comparisons have unequal deductibles or liability limits it will be nearly impossible to make a fair rate comparison. Slightly different insurance coverages or limits may cause a big price difference. It’s important to know that comparing a large number of companies helps improve the odds of finding lower pricing.

Tailor your car insurance coverage to you

When choosing coverage, there really is no “perfect” insurance plan. Everyone’s situation is unique.

For instance, these questions can help discover if your insurance needs could use an agent’s help.

  • Why am I required to buy liability insurance?
  • Can I afford to buy a different vehicle if my 2018 Ford Fusion is totaled?
  • Am I covered if I crash into my own garage door?
  • Am I covered if I break a side mirror?
  • Is my state a no-fault state?
  • Should I sign the liability waiver when renting a car?
  • Should I bundle my homeowners policy with my auto?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form.

Car insurance 101

Understanding the coverages of your policy can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as damage to your Ford Fusion.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like fire damage, damage from flooding, rock chips in glass and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as EMT expenses, rehabilitation expenses, pain medications and hospital visits. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants in addition to being hit by a car walking across the street. PIP is not available in all states and gives slightly broader coverage than med pay

Liability insurance

Liability coverage can cover damage that occurs to people or other property by causing an accident. This coverage protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for things like repair bills for other people’s vehicles, medical services, emergency aid and medical expenses. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Collision insurance

This pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims like hitting a parking meter, hitting a mailbox, sustaining damage from a pot hole and colliding with a tree. This coverage can be expensive, so consider removing coverage from vehicles that are older. It’s also possible to choose a higher deductible to save money on collision insurance.

Do the work, save more money

When you buy insurance coverage online, do not skimp on critical coverages to save a buck or two. There have been many cases where someone sacrificed comprehensive coverage or liability limits only to regret that the few dollars in savings costed them thousands. The goal is to purchase plenty of coverage at a price you can afford.

People who switch companies do it for a number of reasons such as high prices, delays in responding to claim requests, denial of a claim and policy non-renewal. Regardless of your reason, finding a new company is actually quite simple.

Some insurance companies don’t offer online price quotes and many times these small, regional companies only sell through local independent agents. More affordable insurance coverage is available from both online companies and from local agencies, so compare prices from both so you have a total pricing picture.

More information is located on the following sites: