2017 Ford Fusion Hybrid Insurance Quotes – 10 Tricks for Best Rates

Trying to find better car insurance rates for your Ford Fusion Hybrid? Trying to come up with a payment for expensive car insurance can eat up your personal savings and make it tough to pay other bills.

Consumers have multiple insurance companies to choose from, and although it’s a good thing to have a choice, more choices can make it harder to find the lowest rates.

You need to get comparison quotes before your next renewal because car insurance rates change regularly. If you had the best premium rates on Fusion Hybrid coverage a couple years back you may be paying too much now. Block out anything you think you know about car insurance because you’re about to learn the fastest way to properly buy coverages and cut your premium.

Buy auto insurance online

There are a lot of ways you can shop for auto insurance but one way is easier and takes less work. You could waste time talking to local insurance agents in your area, or you can stay home and use online quoting for quick rates.

The majority of car insurance companies take part in a program where prospective buyers enter their policy data once, and each participating company can provide price quotes based on that information. This system prevents you from having to do quote forms to each individual auto insurance company. To compare rates using this form now click here (opens in new window).

One minor caviat to pricing coverage this way is you can’t choose which insurance companies you want pricing from. If you prefer to choose from a list of companies to compare prices, we put together a list of the cheapest auto insurance companies in your area. Click here to view list.

However you get your quotes, do your best to use identical coverage limits for every quote you compare. If your comparisons have higher or lower deductibles it’s impossible to truly determine the lowest rate. Even a minor difference in insurance coverages may result in a large different in cost. And when comparing auto insurance rates, know that getting more free quotes increases your odds of finding lower pricing.

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But they said I’d save $438 a year!

Popular auto insurance providers such as State Farm, Allstate and Geico seem to constantly run television, radio, and online ads. All the ads advertise the message that you’ll save big if you switch your policy. How is it plausible that every one can have lower policy pricing? Just pay attention to how they say it.

All companies have a preferred profile for the type of driver they prefer to insure. For instance, a profitable risk profile may be between the ages of 40 and 55, owns a home, and has a short commute. Anyone who fits that profile will get low premium rates and will most likely save a lot if they switch.

Potential customers who cannot meet these criteria may be forced to pay a more expensive rate and ends up with the customer not buying. The wording the ads use say “customers who switch” but not “everyone who gets a quote” save that much when switching. That is how companies can truthfully make it sound like they have such great car insurance rates.

Because of the profiling, you need to compare price quotes frequently. It is impossible to predict which insurance companies will have better rates than you’re paying now.

Do you qualify for discount auto insurance?

Insuring your fleet can be pricey, but you might already qualify for some discounts that you may not even know about. Certain discounts will be triggered automatically when you purchase, but some discounts are required to be specially asked for before you will receive the discount.

• Anti-lock Brake Discount – Cars, trucks, and SUVs equipped with ABS or steering control are much safer to drive and will save you 10% or more.
• Seat Belt Discounts – Buckling up and requiring all passengers to use their safety belts can save up to 10 percent (depending on the company) off PIP or medical payments premium.
• Online Discount – A few auto insurance companies may give you up to $50 simply for signing on your computer.
• Driver’s Ed – It’s a good idea to have your young drivers successfully complete driver’s ed class in high school.
• Discount for Passive Restraints – Options like air bags or automatic seat belts may earn rate discounts of 20 to 30 percent.
• Good Students Pay Less – Getting good grades may save you up to 25%. This discount can apply up until you turn 25.
• Defensive Driver Discount – Taking part in a safe driver class could cut 5% off your bill depending on where you live.
• Student in College – Kids who live away from home to go to college without a vehicle on campus may qualify for this discount.
• Discount for New Cars – Buying insurance coverage on a new vehicle can be considerably cheaper since new model year vehicles have better safety ratings.
• Lower Rates for Military – Having a deployed family member could be rewarded with lower prices.

We need to note that most discounts do not apply to the entire policy premium. Most only cut specific coverage prices like collision or personal injury protection. If you do the math and it seems like having all the discounts means you get insurance for free, you’re out of luck.

Larger auto insurance companies and some of the premium reductions they offer are detailed below.

• 21st Century offers discounts for teen driver, defensive driver, driver training, anti-lock brakes, homeowners, and theft prevention.
• Progressive may include discounts for online quote discount, continuous coverage, homeowner, good student, multi-policy, and online signing.
• State Farm policyholders can earn discounts including safe vehicle, driver’s education, Drive Safe & Save, good driver, and student away at school.
• Nationwide may offer discounts for defensive driving, Farm Bureau membership, anti-theft, accident-free, family plan, business or organization, and easy pay.
• Esurance offers premium reductions for defensive driver, claim free, Switch & Save, paid-in-full, anti-lock brakes, DriveSense, and good student.
• The Hartford discounts include anti-theft, bundle, good student, defensive driver, and air bag.

Before purchasing a policy, check with each company or agent which discounts they offer. Some of the earlier mentioned discounts may not be available in your area. To see a list of providers offering auto insurance discounts, click here to view.

What insurance coverages do I need?

When it comes to choosing proper insurance coverage, there really is no one size fits all plan. Every situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help you determine if your insurance needs might need professional guidance.

• Am I covered when driving a rental car?
• Does my policy cover my teen driver if they drive my company car?
• Should I carry comprehensive and collision coverage?
• Which is better, split liability limits or combined limits?
• Are my friends covered when driving my car?
• Do I need to file an SR-22 for a DUI in my state?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies.

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Car insurance coverages for a 2017 Ford Fusion Hybrid

Learning about specific coverages of auto insurance helps when choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages found on the average auto insurance policy.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for expenses like rehabilitation expenses, chiropractic care, pain medications and surgery. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and also covers getting struck while a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision)

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like hail damage, a broken windshield, damage from a tornado or hurricane and a tree branch falling on your vehicle. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Auto collision coverage

This pays for damage to your Fusion Hybrid resulting from a collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims like scraping a guard rail, damaging your car on a curb, rolling your car, crashing into a ditch and colliding with another moving vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.

Auto liability

Liability coverage will cover damage that occurs to people or other property by causing an accident. It protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000. Another option is a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for things like repair costs for stationary objects, bail bonds, court costs and emergency aid. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Save your hard earned cash

You just read many tips how you can lower your 2017 Ford Fusion Hybrid insurance premium rates. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. You may even discover the lowest priced car insurance comes from an unexpected company. These smaller insurers may have significantly lower prices on certain market segments than the large multi-state companies such as State Farm and Allstate.

Discount 2017 Ford Fusion Hybrid insurance can be bought on the web and from local insurance agents, so you should compare both to have the best chance of lowering rates. Some companies may not have rate quotes online and most of the time these smaller providers provide coverage only through local independent agents.

More detailed car insurance information can be read at these sites:

• Child Safety FAQ (iihs.org)
• Who Has Affordable Auto Insurance for a Ford Fusion in Madison? (MadisonInsure.com)
• What is Full Coverage? (Allstate)
• Understanding Car Crashes Video (iihs.org)
• Auto Insurance Learning Center (State Farm)

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