2008 Ford Fusion Car Insurance Cost – 6 Policy Discounts

Consumers who are new to price shopping auto insurance online may find locating affordable insurance coverage is quite challenging.

Which auto insurance is cheapest?

When looking for cheap insurance coverage quotes, there are a couple ways to compare quotes from many available auto insurance companies in your state. The fastest way to compare 2008 Ford Fusion insurance prices is to get quotes online. It’s really quite simple and can be done in just a few minutes using one of these methods.

• The most efficient method to get the best comparison quotes would be an industry-wide quote request form like this one (opens in new window). This easy form keeps you from doing separate quote forms for every company. One form gets prices estimates from multiple low-cost companies. This is by far the quickest method.
• A more time consuming way to obtain and compare quotes online requires you to visit the website for every company you want to comare to request a price quote. For instance, we’ll assume you want to get rates from USAA, Geico and American Family. You would be required to visit each site to input your insurance information, which can get rather old. For a list of links to companies insuring cars in your area, click here.

It’s up to you which method you use, but double check that you are using the same coverage information for every quote you compare. If you enter different values for each quote it will be nearly impossible to determine which company has the best rates. Quoting even small variations in limits could throw off the whole comparison. Just keep in mind that getting more free quotes will enable you to find a lower rate.

Insurance agents can help

When buying coverage for your personal vehicles, there really is not a “best” method to buy coverage. Each situation is unique.

For example, these questions might point out if your insurance needs would benefit from an agent’s advice.

• What can I do if my company denied a claim?
• Does my liability insurance cover pulling a trailer or camper?
• Do I have coverage if my license is suspended?
• What is UM/UIM insurance?
• When should my teen driver be added to my policy?
• Should I drop comprehensive coverage on older vehicles?
• When can I cancel my policy?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, fill out this quick form.

Specific coverages for a 2008 Ford Fusion

Understanding the coverages of insurance can be of help when determining the right coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Liability coverage – This will cover damages or injuries you inflict on other people or property in an accident. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against claims like funeral expenses, structural damage, legal defense fees and loss of income. The amount of liability coverage you purchase is a personal decision, but consider buying as large an amount as possible.

Collision – Collision insurance will pay to fix damage to your Fusion caused by 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 insurance covers things like sideswiping another vehicle, hitting a parking meter, driving through your garage door and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Another option is to raise the deductible to bring the cost down.

Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle when other motorists do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Ford Fusion.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Frequently these limits are similar to your liability insurance amounts.

Comprehensive insurance – This pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims like a broken windshield, rock chips in glass, damage from flooding, fire damage and hitting a bird. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage reimburse you for short-term medical expenses for chiropractic care, funeral costs and X-ray expenses. They can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage