How Much Does 2017 Ford Fusion Energi Insurance Cost?

Want better insurance coverage rates for your Ford Fusion Energi? Finding budget insurance coverage may seem to be difficult for drivers who are new to comparing rates and buying insurance coverage on the internet. With dozens of companies competing online, how can you be able to compare all the different companies and get the best available price?

It’s smart to shop coverage around every six months because prices are adjusted regularly by insurance companies. Even if you got the best price on Fusion Energi insurance last year you may be paying too much now. Forget anything you know (or think you know) about insurance coverage because we’re going to show you the right way to reduce your cost while increasing coverage.

Finding affordable coverage is not rocket science. Essentially everyone who carries insurance coverage stands a good chance to be able to save money. But consumers can benefit from knowing the way insurance companies price online insurance and apply this information to your search.

How to buy car insurance

All the larger car insurance companies provide prices direct online. Obtaining pricing doesn’t take much effort as you just enter your personal and coverage information as detailed in the form. Once you submit the form, their quoting system orders credit information and your driving record and returns a price quote based on the information you submitted.

Being able to quote online makes comparing rates easy, but the time required to go to a lot of sites and type in the same data can be a bit repetitive. But it is imperative to get many rate quotes in order to get a lower rate.

There is a better way!

The preferred way to compare car insurance pricing is to use a quote form that gets prices from several companies at one time. It’s a real time-saver, requires much less work on your part, and makes online price comparison much simpler. Once the form is submitted, it is rated and you can select any or none of the resulting price quotes. If one or more price quotes are lower than your current rates, you simply finish the application and purchase coverage. This process just takes a couple of minutes and you will know how your current rates stack up.

In order to find out how much you can save on car insurance, click here to open in a new tab and fill out the form. To compare your current rates, we recommend you copy deductibles and limits exactly as they are listed on your policy. Using the same limits helps guarantee you will be getting an apples-to-apples comparison based on similar coverages.

You may qualify for discounts

Auto insurance companies don’t always list their entire list of discounts very well, so the list below gives a summary of a few of the more common as well as some of the hidden credits that you can use to lower your rates.

• Pay Now and Pay Less – If you pay your bill all at once instead of making monthly payments you may have a lower total premium amount.
• Driving Data Discount – Insureds who allow driving data collection to scrutinize driving manner through the use of a telematics system such as Snapshot from Progressive or Drivewise from Allstate might see lower rates if they exhibit good driving behavior.
• Anti-theft Discount – Cars, trucks, and SUVs with anti-theft systems are stolen with less frequency and that can save you a little bit as well.
• Mature Driver Discount – If you’re over the age of 55, you could receive reduced rates on Fusion Energi insurance.
• Good Students Pay Less – Being a good student can save 20 to 25%. Most companies allow this discount up until you turn 25.
• No Charge for an Accident – but certain companies allow you one accident without the usual rate increase so long as you are claim-free for a specific time period.
• Discount for New Cars – Buying insurance on a new vehicle may earn a small discount since newer vehicles are generally safer.
• Defensive Driver Discounts – Participating in a course teaching safe driver skills could earn you a small percentage discount if you qualify.
• Passenger Safety Discount – Vehicles equipped with air bags or automatic seat belts may earn rate discounts as much as 30%.

As is typical with insurance, some of the credits will not apply to the entire policy premium. Most only reduce specific coverage prices like comp or med pay. So when the math indicates it’s possible to get free car insurance, company stockholders wouldn’t be very happy.

Larger auto insurance companies and some of the discounts can be read below.

• State Farm offers discounts for multiple autos, multiple policy, driver’s education, accident-free, anti-theft, and Drive Safe & Save.
• Liberty Mutual may offer discounts for multi-policy, new move discount, exclusive group savings, newly retired, good student, multi-car, and teen driver discount.
• American Family includes discounts for air bags, TimeAway discount, accident-free, Steer into Savings, and multi-vehicle.
• Progressive has savings for online quote discount, homeowner, continuous coverage, online signing, and good student.
• Farmers Insurance offers discounts including youthful driver, business and professional, multi-car, electronic funds transfer, bundle discounts, early shopping, and alternative fuel.
• Auto-Owners Insurance may include discounts for company car, safe driver, paperless, anti-theft, paid in full, and teen driver.
• SAFECO has discounts for safe driver, multi-car, accident prevention training, teen safety rewards, teen safe driver, drive less, and homeowner.

Check with every prospective company which discounts they offer. Some of the earlier mentioned discounts may not be offered in your area. For a list of auto insurance companies that offer the discounts shown above, click here to view.

There’s no such thing as the perfect car insurance policy

When buying the best car insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Each situation is unique.

For example, these questions may help you determine if your insurance needs might need professional guidance.

• Should I get collision insurance on every vehicle?
• Am I covered when driving in Canada or Mexico?
• Do I need rental car coverage?
• Does coverage extend to a rental car in a foreign country?
• Does my liability insurance cover pulling a trailer or camper?
• Is my custom paint covered by insurance?

If you’re not sure about those questions, you may need to chat with an insurance agent. To find an agent in your area, complete this form.

Information about specific coverages

Knowing the specifics of a car insurance policy helps when choosing the right coverages and the correct deductibles and limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Comprehensive coverage

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as theft, hitting a deer, damage from flooding, fire damage and hitting a bird. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries to you and your family and damage to your Ford Fusion Energi.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like pain medications, rehabilitation expenses, nursing services, surgery and doctor visits. They are often utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Collision insurance

This pays for damage to your Fusion Energi caused by collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as crashing into a ditch, sustaining damage from a pot hole, colliding with a tree and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. You can also increase the deductible to bring the cost down.

Liability auto insurance

Liability insurance can cover injuries or damage you cause to people or other property. It protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers claims such as repair bills for other people’s vehicles, attorney fees, emergency aid and medical services. How much liability should you purchase? That is a decision to put some thought into, but consider buying higher limits if possible.