2014 Ford Fusion Car Insurance Quotes

Trying to find the cheapest auto insurance rates for your Ford Fusion? Searching for the cheapest insurance for a new or used Ford Fusion can turn out to be a painful process, but you can learn a few tricks to make it easier.

There are both good and bad ways to find auto insurance online so we’re going to tell you the proper way to price shop coverage for a new or used Ford and locate the cheapest rates either online or from local insurance agents.

You need to take a look at other company’s rates on a regular basis due to the fact that insurance prices trend upward over time. Just because you found the best rates on Fusion coverage at your last renewal you will most likely find a better premium rate today. Forget all the misinformation about auto insurance because you’re about to learn how to use online quotes to save on auto insurance.

If you are insured now or need a new policy, you can use these tips to find the best rates while maximizing coverage. Finding cheaper auto insurance is quite easy. Consumers only need to know how to shop on the web.

Don’t overlook these car insurance discounts

Car insurance is not cheap nor is it fun to buy but there are discounts available to help bring down the price. Certain credits will be shown when you get a quote, but some may not be applied and must be asked about prior to getting the savings.

• Anti-lock Brake Discount – Cars, trucks, and SUVs that have anti-lock braking systems are much safer to drive and earn discounts up to 10%.
• Resident Student – Older children living away from home attending college without a vehicle on campus can receive lower rates.
• Drive Less and Save – Fewer annual miles on your Ford could earn lower prices due to less chance of an accident.
• Telematics Devices – Drivers who elect to allow their insurance company to study driving habits by using a telematics device in their vehicle like Drivewise from Allstate or In-Drive from State Farm could possibly reduce rates if their driving habits are good.
• Include Life Insurance and Save – Larger insurance companies have a small discount if you purchase a life insurance policy as well.
• Payment Discounts – If you pay your entire premium ahead of time rather than paying in monthly installments you could save 5% or more.

One last thing about discounts, most discounts do not apply to the entire cost. Most only cut the price of certain insurance coverages like liability and collision coverage. Just because you may think you can get free auto insurance, nobody gets a free ride.

Auto insurance companies that may offer quotes with many of the previously listed discounts are:

• Progressive
• Farmers Insurance
• Farm Bureau
• State Farm
• Geico
• SAFECO
• Liberty Mutual

If you need the cheapest car insurance quotes, ask every insurance company which discounts can lower your rates. A few discounts might not apply in your area. For a list of car insurance companies who offer discounts, follow this link.

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How to lower your car insurance cost

Finding a better price on car insurance is an easy way to save money. The only requirement is to invest a few minutes comparing free car insurance quotes provided by online insurance companies. Rate comparisons can be done by using one of the methods below.

1. The fastest and easiest way to compare a lot of rates at once is an all-inclusive rate comparison click here to open form in new window. This method eliminates the need for separate quotation requests to each individual car insurance company. Taking the time to complete one form will return price quotes from multiple companies. Just one form and you’re done.
2. A harder way to find lower rates requires you to visit each company website and complete a new quote form. For example, we’ll pretend you want to view quotes from Auto-Owners, Liberty Mutual and American Family. In order to get each rate, you would have to visit each site and punch in your information repeatedly, which is why the first method is more popular. To view a list of companies in your area, click here.
3. Even if you have time, the least recommended way to get comparison rates is driving around to insurance agents’ offices. Doing it all online has reduced the need for local agents unless you’re the type of person who wants the peace of mind that only an agent can give. Some companies do allow you to obtain prices from the web but buy the policy through an agent.

You can use whichever method you prefer to find lower rates, just ensure you are comparing apples-to-apples quote information for each comparison quote. If you have different values for each quote it will be very difficult to make a fair comparison for your Ford Fusion.

The Ford Fusion insurance rate equation

Many things are used in the calculation when premium rates are determined. Most are fairly basic such as traffic violations, but other factors are not quite as obvious like your continuous coverage or your commute time.It’s important that you understand some of the factors that are used to determine the price you pay for insurance. When consumers understand what controls the rates you pay, this allows you to make good choices that may result in lower premium levels.

The itemized list below are just a few of the factors used by companies to determine your rate level.

• Cars with good safety ratings cost less to insure – Vehicles with good safety scores get lower rates. These vehicles reduce the chance of injuries and any reduction in injury severity translates into savings for insurance companies and lower rates for you. If the Ford Fusion is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
• Premiums are affected by your credit rating – An insured’s credit score factor in determining premium rates. So if your credit history is lower than you’d like, you could pay less to insure your 2014 Ford Fusion by improving your rating. People with high credit scores tend to be less risk to insure as compared to drivers with poor credit scores.
• Insurance rates can be impacted by your vocation – Jobs such as military personnelairline pilots and miners have higher premiums than the average policyholder due to high stress and lots of time spent at work. On the flip side, jobs like actors, historians and performers receive lower rates on Fusion coverage.
• What are your comp and collision deductibles? – Insurance for physical damage, aka comp and collision, covers your vehicle from damage. Some examples of covered claims are colliding with a building, collision with an animal, and damage caused by flying debris. The deductibles are the amount of money you are required to spend out-of-pocket if a claim is determined to be covered. The more you’re willing to pay, the lower your rates will be on Fusion coverage.
• Cut prices and deter theft – Choosing to buy a car with a theft deterrent system can help lower your premiums. Theft prevention features such as OnStar, LoJack tracking, and tamper alarms can help prevent vehicle theft.
• Rental and towing coverage may not be needed – There are a lot of extra coverages that you can buy but may not be useful. Insurance for things like replacement cost coverage, towing coverage, and membership fees could be just wasting money. These may sound like a good investment when deciding what coverages you need, but if they’re wasting money think about removing them and cutting costs.
• Tickets and citations cost more than a fine – Your driving record impacts your car insurance rates tremendously. Having a single moving violation could increase your next policy renewal forty percent or more. Good drivers tend to pay less for car insurance than bad drivers. Drivers who have gotten severe violations like DUI or reckless driving may find that they have to to maintain a SR-22 to the state department of motor vehicles in order to legally drive.
• Annual miles is a factor – Driving a lot of miles in a year’s time the more you will pay for insurance. Most insurance companies rate vehicles based on how the vehicle is used. Cars that do not get driven very much get more affordable rates compared to those used for work or business. An improperly rated Fusion may be costing you. Verify your insurance declarations sheet properly reflects the correct driver usage.

When to get professional advice

When choosing the right insurance coverage for your vehicles, there really is no “best” method to buy coverage. Everyone’s needs are different.

These are some specific questions may help you determine if your situation might need an agent’s assistance.

• Can I afford to buy a different vehicle if my 2014 Ford Fusion is totaled?
• Are split liability limits better than a combined single limit?
• What is the minimum liability in my state?
• How high should deductibles be on a 2014 Ford Fusion?
• I have a DUI can I still get coverage?
• Will filing a claim cost me more?
• Do I need motorclub coverage?
• Am I missing any policy discounts?
• At what point should I drop full coverage?
• What is the rate difference between pleasure use and commuting?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and can help protect your family.

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Insurance myths debunked

Drivers can’t get away from ads that promise big savings for switching from companies such as State Farm, Allstate and Geico. They all tend to make the same promise about savings just by switching your coverage.

How do they all make the same claim?

Different companies have specific criteria for the type of driver that is profitable for them. An example of a profitable insured could possibly be over the age of 40, has a clear driving record, and drives a vehicle with a low ISO rating. A customer who fits that profile may get the lowest premium rates and will most likely save when they switch companies.

People who do not fit the requirements may be forced to pay higher prices which usually ends up with the customer buying from a different company. The trick is to say “drivers who switch” not “all people who quote” save that much when switching. That is how companies can truthfully advertise the savings.

Because each company has a different risk profile, you need to do a price quote comparison at every renewal. It is impossible to predict which company will have the best prices for your profile.

Insurance coverage considerations

Knowing the specifics of your insurance policy helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be confusing and nobody wants to actually read their policy.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for things like chiropractic care, surgery, dental work, X-ray expenses and pain medications. The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. They cover you and your occupants and also covers being hit by a car walking across the street. PIP is not universally available and may carry a deductible

Liability coverage

This coverage can cover injuries or damage you cause to other’s property or people in an accident. It protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability can pay for things such as bail bonds, funeral expenses, medical expenses, legal defense fees and structural damage. How much coverage you buy is your choice, but buy higher limits if possible.

Collision coverage protection

This covers damage to your Fusion resulting from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like crashing into a building, driving through your garage door, sideswiping another vehicle, scraping a guard rail and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to bring the cost down.

Comprehensive insurance

This pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like hitting a bird, falling objects and a tree branch falling on your vehicle. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Ford Fusion.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Shop smart and save

When searching for inexpensive car insurance quotes, do not skimp on coverage in order to save money. There are a lot of situations where someone sacrificed liability coverage limits and found out when filing a claim that it was a big error on their part. The goal is to purchase a proper amount of coverage for the lowest cost, but don’t skip important coverages to save money.

We covered a lot of ways to get a better price on 2014 Ford Fusion insurance. The most important thing to understand is the more quotes you get, the better your comparison will be. You may even find the lowest priced insurance comes from the smaller companies.

Insureds change insurance companies for a number of reasons such as denial of a claim, policy non-renewal, lack of trust in their agent and policy cancellation. It doesn’t matter why you want to switch choosing a new insurance company is pretty simple and you could end up saving a buck or two.

More detailed insurance information can be found in the articles below:

• Understanding your Policy (NAIC.org)
• Credit and Insurance Scores (Insurance Information Insitute)
• Safety Tips for Teen Drivers (Insurance Information Insitute)
• Credit Impacts Car Insurance Rates (State Farm)
• What if I Can’t Find Coverage? (Insurance Information Insitute)

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