Save on 2018 Ford Fusion Car Insurance Cost

Trying to find low-cost insurance for your Ford Fusion can be an all-consuming task, but you can learn our car insurance buying tips and make it easy.

There are more efficient ways to find car insurance online and you need to know the quickest way to compare rates for your Ford and find the lowest price from both online companies and local agents.

It’s smart to get comparison quotes before your policy renews since prices are variable and change quite frequently. Even if you think you had the best price on Fusion coverage at your last renewal the chances are good that you can find a lower rate quote today. Forget anything you know (or think you know) about car insurance because you’re about to learn the only way to find lower rates on car insurance.

If you have insurance now or are looking for a new policy, you can use these tips to reduce the price you pay while maximizing coverage. Pricing cheaper protection is not that difficult. Drivers just need to understand the most efficient way to shop their coverage around online.

Compare insurance quotes

Performing a rate comparison can be exhausting if you don’t know the best way to get rate quotes. You can waste a lot of time talking to insurance companies in your area, or you can utilize the web to get rate comparisons in just a few minutes.

Most major companies participate in an industry program where insurance shoppers only type in their quote data once, and every company can give them a price for coverage. This system prevents you from having to do quote forms to each company.

To find out how much you can save on insurance click here to start a free quote.

The one downside to pricing coverage this way is you cannot specify which carriers to receive prices from. So if you want to choose from a list of companies to compare prices, we have assembled a list of insurance companies in your area. Click to view list.

Which method you use is up to you, but be sure to compare equivalent coverage limits for each price quote. If you enter differing limits it’s not possible to get a fair rate comparison.

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More discounts mean cheap premiums

Not many people think insurance is cheap, but there could be significant discounts that you may not know about. Certain discounts will be applied when you quote, but once in a while a discount must be manually applied prior to getting the savings. If they aren’t giving you every credit possible, you’re just leaving money on the table.

• Lower Rates for Military – Being deployed with a military unit can result in better premium rates.
• Anti-lock Brake System – Cars and trucks that have steering control and anti-lock brakes prevent accidents and the ABS can save up to 10%.
• Passenger Safety Discount – Factory options such as air bags and/or automatic seat belt systems may get savings up to 30%.
• Cautious Drivers – Drivers without accidents could pay up to 40% less on Fusion coverage than their less cautious counterparts.
• Multi-policy Discount – If you insure your home and vehicles with the same company you could get a discount of at least 10% off all policies.
• Theft Prevention Discount – Cars equipped with anti-theft or alarm systems are less likely to be stolen and will qualify for a discount on a insurance quote.

Remember that some credits don’t apply to the overall cost of the policy. Some only reduce specific coverage prices like liability, collision or medical payments. Even though it may seem like all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

Some companies that may include some of the discounts shown above include:

• Geico
• MetLife
• Progressive
• Travelers
• SAFECO
• AAA

Double check with each insurance company to apply every possible discount. Some discounts listed above might not be offered everywhere. To find insurance companies who offer free insurance coverage quotes, follow this link.

How insurance companies determine Ford Fusion insurance rates

Lots of factors are used in the calculation when premium rates are determined. Some of the criteria are obvious such as your driving history, although some other factors are less apparent like your continuous coverage and annual miles driven.It’s important that you understand some of the things that come into play when calculating your insurance coverage rates. If you have some idea of what determines premiums, this allows you to make educated decisions that may result in better insurance coverage rates.

• Your occupation is a factor – Did you know your career choice can influence rates? Careers such as judges, business owners and medical professionals have higher premiums than the average policyholder due to job stress and lots of time spent at work. Conversely, occupations like scientists, athletes and homemakers pay the least on Fusion coverage.
• Choose high crash test ratings and save – Vehicles with high crash test scores can get you lower premiums. Highly rated vehicles reduce occupant injuries and fewer serious injuries translates directly to fewer claims passed on to you as lower rates. If your Ford scored at minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
• Men pay higher prices – Over time, data shows that females tend to be a little less risky than males. That doesn’t necessarily mean that females are better drivers. Women and men are in auto accidents in similar percentages, but the males cause more damage and cost insurance companies more money. Not only are claims higher, but men receive more major tickets such as driving while intoxicated (DWI) or driving recklessly.
• Credit rating impacts premium prices – Having a bad credit score is likely to be a major factor in your rate calculation. Insureds that have good credit tend to be more responsible and file fewer claims as compared to drivers with bad credit. So if your credit score can be improved, you could save money insuring your 2018 Ford Fusion by taking the time to improve your credit score.
• Don’t cancel your insurance coverage without a new one in place – Driving any period of time without insurance is a big no-no and any future policy may cost more because you let your insurance lapse. And not only will insurance be more expensive, failure to provide proof of insurance could earn you a hefty fine and possibly a revoked license.
• Discounts for married drivers – Having a significant other may save some money when shopping for insurance coverage. Having a significant other demonstrates that you tend to be more mature than a single person and statistics prove married couples file fewer claims.

It’s not one size fits all

When buying coverage for your personal vehicles, there really is not a single plan that fits everyone. Each situation is unique.

For example, these questions could help you determine if your situation might need professional guidance.

• Is borrowed equipment or tools covered if stolen or damaged?
• Do I need medical payments coverage since I have good health insurance?
• How much can I save by bundling my policies?
• Is a new car covered when I drive it off the dealer lot?
• Is business property covered if stolen from my car?
• What happens if I owe more than my 2018 Ford Fusion is worth?
• Do I need replacement cost coverage on my 2018 Ford Fusion?
• Are all vehicle passengers covered by medical payments coverage?
• Is my teen driver covered when they drive my company car?
• Does my insurance cover my expensive audio equipment?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It is quick, free and may give you better protection.

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Insurance advertising tricks

Consumers can’t get away from ads for cheaper insurance by Progressive, Geico, Allstate and State Farm. They all seem to advertise claims that drivers can save some big amount just by switching your coverage.

How does every company save you money? You have to listen carefully.

All the different companies have strict underwriting profiles for the type of driver that will add to their bottom line. A good example of a desirable risk may need to be between the ages of 30 and 45, has other policies, and drives less than 7,500 miles a year. Any person who matches those parameters is entitled to the best price and will save quite a bit of money when switching.

Potential insureds who do not fit the “perfect” profile must pay higher premium rates which leads to the customer buying from someone else. The ad wording is “drivers who switch” not “everyone who quotes” will save that much if they switch. This is how insurance companies can confidently lure you into getting a quote.

Each company has different criteria, so you really need to do a quote comparison often. Because you never know which insurance companies will have the lowest rate quotes.

Insurance coverage options for a Ford Fusion

Understanding the coverages of insurance helps when choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Comprehensive protection

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, vandalism, a broken windshield and falling objects. The maximum payout your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability coverage

Liability insurance will cover injuries or damage you cause to other people or property. It protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

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 $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Another option is a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things like legal defense fees, medical expenses, funeral expenses, court costs and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Collision protection

This coverage will pay to fix damage to your Fusion resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as rolling your car, hitting a mailbox and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to save money on collision insurance.

Uninsured or underinsured coverage

This coverage provides protection when other motorists do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford Fusion.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Medical expense coverage

Coverage for medical payments and/or PIP provide coverage for bills such as surgery, X-ray expenses and dental work. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. They cover both the driver and occupants and will also cover any family member struck as a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

A tidy conclusion

As you prepare to switch companies, don’t be tempted to reduce needed coverages to save money. In too many instances, an insured cut collision coverage only to regret that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to find the BEST coverage at an affordable rate, but do not skimp to save money.

We just covered a lot of ways to lower your 2018 Ford Fusion insurance car insurance rates. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the lowest car insurance rates are with a company that doesn’t do a lot of advertising.

People who switch companies do it for any number of reasons including delays in responding to claim requests, questionable increases in premium, an unsatisfactory settlement offer or high rates after DUI convictions. Regardless of your reason for switching companies, finding a new company is less work than it seems.

More information can be found at the links below

• Parking Tips to Reduce Door Dings (State Farm)
• Child Safety FAQ (iihs.org)
• Booster Seat Ratings (iihs.org)
• Determing Auto Insurance Rates (Geico)
• Understanding Your Insurance Deductible (Insurance Information Insitute)
• Five Mistakes to Avoid (Insurance Information Insitute)

Enter your zip code below to view companies that have cheap auto insurance rates.

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