Cheap 2012 Ford Fusion Car Insurance Rates

Trying to find lower insurance rates? Buyers have many options when searching for affordable Ford Fusion insurance. You can either spend your time calling around to get rate comparisons or utilize the internet to make rate comparisons. There is a right way and a wrong way to shop for insurance so we’re going to tell you the proper way to compare rates for a new or used Ford and obtain the lowest possible price.

You need to do rate comparisons quite often because insurance prices change regularly. Even if you got the best quotes for Fusion insurance a couple years back you will most likely find a better rate today. Forget all the misinformation about insurance because I’m going to let you in on the secrets to the best way to properly buy coverages while reducing your premium.

Do you qualify for discounts?

Not too many consumers would say insurance coverage is affordable, but there could be available discounts that may help make it more affordable. A few discounts will automatically apply at quote time, but lesser-known reductions have to be requested specifically before you will receive the discount.

  • Discounts for Seat Belt Usage – Using a seat belt and requiring all passengers to use their safety belts could save 15% off PIP or medical payments premium.
  • Passive Restraints and Air Bags – Factory air bags and/or automatic seat belt systems can receive discounts as much as 30%.
  • Online Discount – A handful of insurance companies will give a small break shop insurance coverage on the web.
  • Low Mileage – Keeping the miles down on your Ford can qualify you for lower insurance coveragerates on the low mileage vehicles.
  • Discount for New Cars – Adding a new car to your policy can cost up to 25% less because newer vehicles have to meet stringent safety requirements.
  • Pay Early and Save – By paying your policy upfront rather than paying monthly you could save up to 5%.
  • Distant Student – Children who live away from home at college without a vehicle on campus could get you a discount.
  • No Accidents – Good drivers with no accidents pay less as compared to bad drivers.

Discounts save money, but please remember that most discount credits are not given to the overall cost of the policy. Some only apply to specific coverage prices like medical payments or collision. So even though it sounds like all the discounts add up to a free policy, it’s just not the way it works.

A few of the larger companies and the discounts they provide are included below.

  • State Farm may offer discounts for student away at school, Drive Safe & Save, multiple policy, Steer Clear safe driver discount, anti-theft, passive restraint, and good driver.
  • Progressive discounts include online signing, online quote discount, good student, multi-vehicle, multi-policy, and homeowner.
  • Travelers includes discounts for home ownership, good student, payment discounts, early quote, hybrid/electric vehicle, multi-policy, and driver training.
  • American Family has savings for good driver, mySafetyValet, TimeAway discount, defensive driver, multi-vehicle, and accident-free.
  • Liberty Mutual offers premium reductions for new graduate, newly married, good student, multi-policy, exclusive group savings, hybrid vehicle, and newly retired.

When quoting, ask each company which credits you are entitled to. Some discounts listed above may not be offered in every state. To view companies with significant discounts, click here to view.

First Step: Get free insurance quotes

Cutting your insurance rates is not a difficult process. Drivers just need to spend a little time to get quotes to find the company with affordable insurance coverage quotes. It is quite easy and can be accomplished in several different ways.

  • The easiest and least time consuming way to find low rates is an all-inclusive rate comparison (click to open form in new window). This style of form prevents you from having to do separate quotation requests for every insurance company. One quote request will get you rate comparisons from multiple low-cost companies. Recommended for those who want to invest the least amount of time.
  • A less efficient way to compare prices is to take the time to go to the website for every company you want to comare and complete a new quote form. For examples sake, we’ll assume you want to view quotes from Farmers, Esurance and State Farm. In order to get each rate, you would have to go to each individual site and enter your policy data, which is not fast way to get rate quotes.

    For a list of links to insurance companies in your area, click here.

  • Even if you have time, the least recommended way to get comparison rates is to spend time driving to all the different insurance agencies. The ability to get quotes online reduces the need to sit down with an agent unless you’re the type of person who wants the professional assistance of a licensed agent. Some companies do allow you to comparison shop online but have your policy serviced through an agent.

You can choose any of those ways to find more affodable coverage, but be sure you’re using exactly the same quote information on every quote. If your comparisons have mixed coverages it will be impossible to make a fair rate comparison.

Learn how to quote auto insurance at a discount

An important part of buying insurance is that you know some of the things that play a part in calculating your policy premiums. If you understand what determines premiums, this enables you to make decisions that can help you get lower rates. Lots of factors are taken into consideration when quoting car insurance. A few of the factors are predictable such as your driving record, although others are less apparent such as your marital status or how safe your car is.

The list below includes most of the major factors used by your company to calculate your rates.

  • High credit scores save money – Having a good credit rating can be a huge factor in determining what you pay for auto insurance. So if your credit score is not that good, you may save money insuring your 2012 Ford Fusion by improving your rating. Drivers with excellent credit tend to file fewer claims than those with lower credit ratings.
  • Older drivers pay less – Drivers with little experience are proven to be inattentive and easily distracted behind the wheel therefore auto insurance rates are much higher. Older insureds are proven to be safer behind the wheel, tend to file fewer claims , and are generally more financially stable.
  • Avoid tickets and save – Having a clean driving record can have a huge impact on auto insurance premiums. Having a single driving citation could increase your next policy renewal by twenty percent. Careful drivers have lower premiums as compared to careless drivers. Drivers unfortunate enough to have serious violations like DUI or reckless driving are required to submit a SR-22 or proof of financial responsibility with their state DMV in order to continue driving.
  • Combine policies and save money – Many insurers provide better rates to customers who have multiple policies with them. It’s known as a multi-policy discount. If you currently are using one company, it’s in your best interest to get quotes from other companies to help ensure you have the lowest rates. Drivers may still save even more than the discount by buying from different companies
  • Pay more out-of-pocket – Comp and collision deductibles are how much you are willing to pay if the claim is covered. Insurance for physical damage to your car, aka comp and collision, protects your car from damage. Some examples of covered claims are rearending another vehicle, damage caused by hail, or theft of your vehicle. The more expense you pay before a claim is paid (deductible), the less money you will pay for auto insurance for Fusion insurance.
  • Drive a safer car and pay less – Vehicles with good safety scores are cheaper to insure. Vehicles built for safety protect occupants better and fewer injuries translates into savings for insurance companies and lower rates for you.
  • Do you really need roadside assistance? – There are a lot of add-on coverages that sound like a good idea at the time on your 2012 Fusion policy. Things like rental car reimbursement, death and dismemberment, and extra life insurance coverage may not be needed and are just wasting money. They may seem good when buying your policy, but now you might not need them so consider taking them off your policy.

Don’t assume everyone needs the same car insurance coverage

When choosing proper insurance coverage, there isn’t really a cookie cutter policy. Every situation is different.

For instance, these questions may help highlight if you may require specific advice.

  • Does my car insurance cover rental cars?
  • When does my teenage driver need to be added to my policy?
  • When should I drop full coverage on my 2012 Ford Fusion?
  • Do I need medical payments coverage since I have good health insurance?
  • Is a new car covered when I drive it off the dealer lot?
  • When would I need rental car insurance?
  • Will I lose any money if I cancel my policy before it expires?
  • Should I bundle my homeowners policy with my auto?
  • What if I owe more than I can insure my car for?
  • Do I pay less for low miles?

If you can’t answer these questions but you know they apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and may give you better protection.

But they said I’d save $449 a year!

Consumers can’t escape the ads for car insurance savings from the likes of Allstate, GEICO and Progressive. All the ads make the point of big savings if you switch your policy.

It sounds good, but how can they all charge less that you’re paying now? This is how they do it.

Most companies provide the lowest rates for the type of customer that makes them money. A good example of a preferred risk might have to be between the ages of 30 and 45, owns a home, and drives a vehicle with a low ISO rating. Anybody who matches those parameters will qualify for the lowest prices and most likely will save money with a new company.

People who fall outside these standards may be required to pay a higher rate which translates to the customer not purchasing. The trick is to say “drivers who switch” not “all people who quote” will save that much if they switch. That is how insurance companies can confidently lure you into getting a quote. Because each company has a different risk profile, you absolutely need to get insurance coverage quotes from several different companies. It’s just not possible to know the company that will have the lowest rates for your situation.

Auto insurance coverages

Learning about specific coverages of a insurance policy helps when choosing the best coverages for your vehicles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Collision coverages – This coverage pays to fix your vehicle from damage from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision insurance covers things such as colliding with a tree, sideswiping another vehicle and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. You can also choose a higher deductible to save money on collision insurance.

Comprehensive coverages – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as vandalism, damage from getting keyed and a tree branch falling on your vehicle. The maximum payout your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Liability coverages – Liability insurance provides protection from damages or injuries you inflict on other’s property or people by causing an accident. It protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability can pay for things such as emergency aid, funeral expenses, loss of income, medical services and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for expenses such as hospital visits, nursing services, EMT expenses and chiropractic care. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Uninsured and underinsured coverage – This protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Ford Fusion.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Coverage on a shoestring budget

You just learned quite a bit of information on how to get a better price on 2012 Ford Fusion insurance. It’s most important to understand that the more rate comparisons you have, the better likelihood of getting the cheapest insurance coverage. Drivers may discover the most savings is with a small local company.

Insureds leave their current company for a variety of reasons including not issuing a premium refund, delays in responding to claim requests, being labeled a high risk driver and even high prices. No matter why you want to switch, finding the right insurance provider is actually quite simple.

Affordable 2012 Ford Fusion insurance is available on the web and from local insurance agents, and you should compare rates from both to have the best chance of lowering rates. Some insurance providers do not provide internet price quotes and most of the time these smaller companies prefer to sell through independent insurance agencies.

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