Compare 2013 Ford Fusion Hybrid Insurance Quotes

Searching for cheaper auto insurance rates for your Ford Fusion Hybrid? There isn’t anyone who enjoys paying for auto insurance, especially knowing it costs too dang much. Multiple car insurance companies compete to insure your vehicles, so it’s not easy to compare every insurance company to find the absolute cheapest price

The most recommended method to compare car insurance rates is to take advantage of the fact all the major auto insurance companies provide online access to provide you with free rate quotes. The only thing you need to do is give them rating details such as if you have an active license, if you went to college, what your job is, and how your vehicles are used. Your rating data is submitted instantly to many of the top insurers and you get price estimates instantly.

Insurance discounts help reduce rates

Auto insurance companies don’t always publicize every disount available very well, so we took the time to find both the well known and the more hidden insurance savings.

• Cautious Driver Discount – Insureds who avoid accidents can get discounts for up to 45% lower rates on Fusion Hybrid coverage compared to accident prone drivers.
• Multi-car Discount – Drivers who insure primary and secondary vehicles with the same company can reduce rates for all insured vehicles.
• Defensive Driver Discounts – Taking a course that instructs on driving safety can save you 5% or more and make you a better driver.
• Smart Student Discounts – Performing well in school may save you up to 25%. You can use this discount normally up until you turn 25.
• Distant Student Discount – Older children who are enrolled in a college that is more than 100 miles from home and do not take a car to college can receive lower rates.
• Low Miles Discount – Low mileage vehicles may allow you to get better prices on cars that stay parked.
• Seat Belt Discounts – Forcing all vehicle occupants to fasten their seat belts could cut 10% or more on medical payment and PIP coverage.
• No Charge for an Accident – This one isn’t a discount, but companies like Allstate and State Farm will turn a blind eye to one accident without getting socked with a rate hike if your claims history is clear prior to being involved in the accident.
• Driver’s Ed – Cut your cost by having your teen driver take driver’s ed class in school or through a local driver safety program.

Please keep in mind that most discounts do not apply to the entire cost. Most cut the cost of specific coverages such as comp or med pay. So even though it sounds like you would end up receiving a 100% discount, companies don’t profit that way. But all discounts should definitely cut your policy premium.

To locate insurers that offer the discounts shown above, click this link.

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Educated choices result in lower insurance costs

Smart consumers have a good feel for some of the things that help determine insurance coverage rates. If you know what determines premiums, this allows you to make educated decisions that will entitle you to big savings. Many factors are taken into consideration when quoting car insurance. Some factors are common sense such as your driving record, but other criteria are not quite as obvious such as whether you are married or your commute time.

Listed below are a few of the “ingredients” used by companies to determine your prices.

• Good credit scores equal low costs – A driver’s credit rating can be a huge factor in determining premium rates. Therefore, if your credit history is low, you could potentially save money when insuring your 2013 Ford Fusion Hybrid by taking the time to improve your credit score. Drivers who have high credit scores tend to be less risk to insure than those with lower credit scores.
• Insurance coverage rates and age – Beginning drivers have a tendency to be more careless with other occupants in the car therefore insurance coverage rates are much higher. More mature drivers are proven to be safer behind the wheel, are lower risk to insure , and usually have better credit.
• Only buy coverage you need – Insurance policies have a lot of additional coverages that sound like a good idea at the time when buying insurance coverage. Things like rental car reimbursement, accidental death, and additional equipment coverage are some examples. The coverages may be enticing when you first buy your policy, but if you have no use for them eliminate the coverages to reduce your premium.
• What’s your car’s NHTSA crash test rating? – Vehicles that have high safety ratings cost less to insure. These vehicles result in less severe injuries and lower rates of occupant injuries means less claims paid passed on to you as lower rates. If your Ford Fusion Hybrid is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may cost less to insure.
• Drive less and get lower costs – The more you drive your Ford every year the more it will cost to insure it. Many insurance companies price each vehicle’s coverage determined by how the vehicle is used. Cars that do not get driven very much can get a lower rate than vehicles that are driven to work every day. Verify your policy reflects how each vehicle is driven, because improper ratings can cost you money. Improper usage on your Fusion Hybrid is throwing money out the window.
• Bundle and save – Most larger insurance companies will give a discount to insureds that purchase more than one policy in the form of a multi-policy discount. The amount of the discounts can be ten percent or more. Even though this discount sounds good, you still need to compare other insurance prices to guarantee you are still saving the most. It’s possible to still find a better deal even if you insure with multiple companies
• Does auto insurance cost less for females? – Statistics have proven that men are more aggressive behind the wheel. This data doesn’t prove that women are better drivers. Both genders are responsible for at-fault accidents in similar numbers, but men get into accidents with more damage. Men also have more aggressive citations such as driving while intoxicated (DWI) or driving recklessly. Male drivers age 16 to 19 tend to get in the most accidents and therefore pay the highest rates.
• Vehicle theft costs us all – Selecting a car model that has a built-in theft deterrent system can earn a premium discount. Theft deterrent systems such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help stop auto theft.

Which is the best auto insurance?

When it comes to choosing proper insurance coverage, there really is not a cookie cutter policy. Each situation is unique so your insurance should reflect that Here are some questions about coverages that can aid in determining whether your personal situation will benefit from professional help.

• What is UM/UIM insurance?
• Can I afford to buy a different vehicle if my 2013 Ford Fusion Hybrid is totaled?
• Should I put collision coverage on all my vehicles?
• What are the financial responsibility laws in my state?
• Is there coverage for injuries to my pets?
• Is other people’s property covered if stolen from my vehicle?
• Is my 2013 Ford Fusion Hybrid covered for smoke damage?
• Is my teen driver covered when they drive my company car?
• What discounts do I qualify for?

If you can’t answer these questions, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, free and may give you better protection.

Tricks in auto insurance advertising

Consumers constantly see and hear ads that promise big savings by companies like State Farm, Geico and Progressive. They all say the same thing that people will save if you switch to them.

How is it possible that every company can offer you a better deal?

Most companies have an ideal profile for the type of insured that earns them the highest profit. For instance, a desirable risk may be a mature driver, has few claims, and drives less than 5,000 miles a year. A customer getting a price quote that meets those criteria receives the best rates and have a good chance to save when they switch companies.

Drivers who fall short of this ideal profile may be required to pay higher prices which results in business not being written. If you pay attention, the ads say “customers who switch” but not “everyone who gets a quote” can get the lowest rates when switching. That’s the way companies can advertise the way they do. This really drives home the point why you absolutely need to do a rate comparison at every renewal. It is just not possible to predict which insurance companies will provide you with the cheapest rates.

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Car insurance coverage basics

Learning about specific coverages of your policy helps when choosing appropriate coverage for your vehicles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Below you’ll find typical coverages available from car insurance companies.

Liability car insurance – This can cover injuries or damage you cause to a person or their property in an accident. This coverage protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 which means a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims like legal defense fees, bail bonds, pain and suffering and medical services. How much liability coverage do you need? That is up to you, but buy as large an amount as possible.

Medical expense insurance – Coverage for medical payments and/or PIP pay for expenses like dental work, nursing services and ambulance fees. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Collision – This covers damage to your Fusion Hybrid caused by collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims such as driving through your garage door, crashing into a ditch, backing into a parked car and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to increase the deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers – This coverage gives you protection when the “other guys” do not carry enough liability coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive (Other than Collision) – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like fire damage, falling objects, damage from getting keyed and hitting a bird. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Final thoughts

We covered quite a bit of information on how to save on 2013 Ford Fusion Hybrid insurance. The most important thing to understand is the more price quotes you have, the more likely it is that you will get a better rate. You may even find the lowest prices are with a company that doesn’t do a lot of advertising. These companies may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate or State Farm.

Cost effective 2013 Ford Fusion Hybrid insurance can be sourced on the web as well as from independent agents, and you should be comparing both to have the best rate selection. Some auto insurance companies may not provide online price quotes and many times these regional carriers work with independent agents.

Helpful resources

• Older Driver Statistics (Insurance Information Insitute)
• Information for Teen Drivers (Geico)
• Things to Know Before you Cancel Insurance (Allstate)
• How to Avoid Staged Accidents (State Farm)
• Cellphones, Texting and Driving (iihs.org)
• Neck Injury FAQ (iihs.org)

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