2015 Ford Fusion Car Insurance Rates

Searching for lower car insurance rates for your Ford Fusion? Wish you could get a refund on high-priced car insurance? It’s quite common and you’re not alone.

Vehicle owners have so many car insurance companies to insure vehicles with, and although it’s a good thing to be able to choose, it can be more challenging to compare company pricing.

Buying car insurance is not that difficult. Basically, anyone who buys car insurance will more than likely be able to lower their premiums. Although drivers can benefit from knowing how big insurance companies market insurance on the web because it can help you find the best coverage.

Earn discounts to get lower-cost insurance coverage quotes

Insurance coverage is neither fun to buy or cheap, but you might be missing out on some discounts that can help lower your rates. Some discounts apply automatically at the time you complete a quote, but less common discounts must be asked for in order for you to get them.

• Student Discounts – Getting good grades can get you a discount of up to 25%. Most companies allow this discount up to age 25.
• Multiple Vehicles – Buying coverage for all your vehicles on one policy qualifies for this discount.
• Waiver for an Accident – Not a discount per se, but a few companies such as Liberty Mutual, Allstate and State Farm may permit one accident before hitting you with a surcharge as long as you don’t have any claims before the accident.
• Data Collection Discounts – Insureds who allow companies to spy on where and when they drive by installing a telematics device like Drivewise from Allstate or In-Drive from State Farm may see discounts as long as they are good drivers.
• Full Payment Discount – If you pay your entire premium ahead of time instead of monthly or quarterly installments you may have a lower total premium amount.
• Theft Deterent System – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems can help prevent theft and will save you 10% or more.
• Active Military Service – Having a deployed family member can result in better rates.
• Low Miles Discount – Maintaining low annual mileage may enable drivers to earn lower rates due to less chance of an accident.
• College Student – Older children who are enrolled in higher education away from home and leave their car at home could qualify for this discount.
• New Car Discount – Buying a new car model can save you some money since new model year vehicles have better safety ratings.

Consumers should know that most discounts do not apply to the overall cost of the policy. Most cut the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like having all the discounts means you get insurance for free, you’re out of luck. But any discount should help lower the cost of coverage.

A few companies who might offer some of the above discounts include:

• Geico
• Travelers
• Farm Bureau
• Liberty Mutual
• American Family
• Progressive

Before purchasing a policy, check with every insurance company how many discounts you can get. Some discounts listed above might not apply in your area.

Tailor your insurance coverage to you

When it comes to buying the right insurance coverage, there isn’t really a perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that Here are some questions about coverages that may help highlight whether or not you may require specific advice.

• How much can I save by bundling my policies?
• Am I covered when driving a rental car?
• Do I need more liability coverage?
• Does my 2015 Ford Fusion need full coverage?
• Does my insurance cover a custom paint job?
• Is my trailer covered?
• Am I missing any policy discounts?
• Is my camper covered by my car insurance policy?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.

Insurance coverage basics

Having a good grasp of your policy can help you determine appropriate coverage at the best deductibles and correct limits. Policy terminology can be confusing and even agents have difficulty translating policy wording. These are typical coverage types found on the average insurance policy.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as hitting a bird, falling objects, damage from flooding, a broken windshield and theft. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like crashing into a ditch, driving through your garage door and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Liability

This protects you from damage or injury you incur to other’s property or people in an accident. This coverage protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability can pay for things such as loss of income, pain and suffering and medical services. How much liability coverage do you need? That is a decision to put some thought into, but buy as high a limit as you can afford.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses such as dental work, prosthetic devices, hospital visits, pain medications and funeral costs. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your 2015 Ford Fusion.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Be a Smart Shopper

You just learned a lot of techniques to get a better price on 2015 Ford Fusion insurance. The key concept to understand is the more times you quote, the better your comparison will be. You may be surprised to find that the lowest rates come from an unexpected company. Regional companies may cover specific market segments cheaper as compared to the big name companies such as State Farm or Progressive.

Some insurance providers don’t offer the ability to get a quote online and usually these small insurance companies work with independent agents. Budget-conscious 2015 Ford Fusion insurance can be sourced both online and with local insurance agents, and you should be comparing both to have the best selection.

Much more information about car insurance can be found at the links below

• Choosing an Insurance Company (Insurance Information Insitute)
• Crash Avoidance Technologies FAQ (iihs.org)
• Older Driver Statistics (Insurance Information Insitute)
• Vehicle Size and Weight FAQ (iihs.org)
• Side Impact Crash Tests (iihs.org)
• Top Signs Your Brakes are Giving Out (State Farm)