View 2013 Ford Fusion Hybrid Car Insurance Rates

Want lower auto insurance rates for your Ford Fusion Hybrid? Did you come to the realization that you have overpriced auto insurance? You’re in good company because many drivers feel the same as you.

Companies like State Farm, GEICO and Farmers Insurance all claim big savings with catchy ads and consumers find it hard to ignore the flying pigs and cute green geckos and find the best price available.

It’s a great practice to do rate comparisons as often as possible since prices are constantly changing. Even if you got the best deal for Fusion Hybrid coverage at your last renewal the chances are good that you can find a lower rate today. Forget anything you know (or think you know) about auto insurance because you’re about to find out how to use the internet to buy cheaper auto insurance.

If you are paying for car insurance now, you should be able to reduce your rates substantially using this information. Finding affordable coverage is quite easy. But vehicle owners do need to understand how the larger insurance companies sell online.

Don’t miss these money-saving discounts

Some providers do not advertise all disounts very well, so below is a list a few of the more common and the more hidden discounts that you may qualify for.

  • Multiple Policy Discount – If you have multiple policies and insure them both with the same insurance company you could earn a discount of approximately 10% to 15%.
  • Professional Organizations – Affiliation with a professional or civic organization can get you a small discount on your next insurance coverage statement.
  • Paper-free Discount – A handful of insurance coverage companies provide a small discount for buying your policy digitally online.
  • Good Students Pay Less – A discount for being a good student can earn a discount of 20% or more. You can use this discount normally well after school through age 25.
  • Discounts for Government Workers – Active or former government employment may reduce rates when you quote auto insurance for Fusion Hybrid coverage with a few insurance coverage companies.
  • Driver Education Discount – Reduce the cost of insurance for teen drivers by having them enroll in driver’s education in high school.
  • Defensive Driver Discount – Participating in a course that instructs on driving safety could cut 5% off your bill and also improve your driving technique.

One thing to note about discounts is that most discount credits are not given to all coverage premiums. Most only cut the cost of specific coverages such as liability, collision or medical payments. So when it seems like all the discounts add up to a free policy, you’re out of luck.

To choose insurers that have a full spectrum of discounts, follow this link.

How to buy car insurance

Performing a rate comparison can take hours if you aren’t aware of the best way to get rate quotes. You could spend your day discussing policy coverages with insurance companies in your area, or you can utilize online quoting to get pricing more quickly.

Most of the best insurance companies take part in a program that allows shoppers to send in one quote, and each participating company returns a rated price for coverage. This saves time by eliminating quote forms for every car insurance company.

To participate in this free quote system, click to open in new window.

The only downside to getting quotes like this is you don’t know exactly the providers you want pricing from. If you would rather choose from a list of companies to request quotes from, we have a page of companies who write car insurance in your area. Click here for list of insurance companies.

Which method you use is up to you, but ensure you are comparing equivalent coverage information for each quote you get. If each company quotes different coverage information it will be nearly impossible to determine which company has the best rates. Just a small difference in insurance coverages or limits may result in a large different in cost. And when price shopping your coverage, obtaining a wide range of quotes provides better odds of finding more affordable rates. Some regional insurers cannot provide online quotes, so it’s important to also get rates from the smaller companies as well.

Why you might pay increased rates

Smart consumers have a good feel for the rating factors that help determine insurance rates. When consumers understand what determines premiums, this enables informed choices that can earn you lower premium levels. Many different elements are considered when quoting car insurance. Some of the criteria are obvious such as your driving record, but others are less obvious such as whether you are married or your vehicle rating.

  • Better credit means lower prices – Your credit history can be a huge factor in determining premium rates. So if your credit score is lower than you’d like, you may save money insuring your 2013 Ford Fusion Hybrid by improving your credit score. Consumers who have high credit scores tend to be better drivers and file fewer claims as compared to drivers with lower ratings.
  • Lower rates with a multi-policy discount – The majority of insurers give lower prices to clients who have multiple policies with them in the form of a multi-policy discount. This can amount to ten or even fifteen percent. Even with this discount applied, you may still want to compare other insurance prices to ensure the best deal. You may still be able to find lower rates by buying insurance from more than one company.
  • Vehicle features that cut premiums – Purchasing a vehicle with an alarm system can save you a little every year. Theft deterrent systems such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart auto theft and help lower rates.
  • Does your occupation raise your insurance rates? – Did you know your insurance rates can be affected by your occupation? Occupations like fire fighterspolice officers and miners are shown to have higher rates than the rest of us in part from intense work-related stress and long work days. Other jobs such as farmers, historians and the unemployed pay lower than average rates for Fusion Hybrid coverage.

Do I need special coverages?

When it comes to choosing the best auto insurance coverage for your personal vehicles, there really is no one size fits all plan. Everyone’s situation is a little different so this has to be addressed. For example, these questions may help you determine whether or not you would benefit from an agent’s advice.

  • Should I get collision insurance on every vehicle?
  • What is high-risk coverage and where do I buy it?
  • Am I missing any policy discounts?
  • Where can I get insurance after a DUI in my state?
  • What if I don’t agree with a claim settlement offer?
  • Am I covered when delivering products for my home-based business?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

Specific coverages for a Ford Fusion Hybrid

Understanding the coverages of your policy can help you determine appropriate coverage at the best deductibles and correct limits. Insurance terms can be difficult to understand and nobody wants to actually read their policy. Listed below are typical coverage types found on most insurance policies.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for immediate expenses for funeral costs, EMT expenses, dental work, doctor visits and nursing services. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP is only offered in select states but can be used in place of medical payments coverage

Collision coverage

Collision insurance pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like crashing into a building, driving through your garage door and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. You can also bump up the deductible to bring the cost down.

Liability coverage

Liability coverage provides protection from damage that occurs to other’s property or people in an accident. It protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims like funeral expenses, pain and suffering, structural damage, bail bonds and court costs. How much liability should you purchase? That is a decision to put some thought into, but consider buying as large an amount as possible.

Comprehensive coverage

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as damage from flooding, rock chips in glass and vandalism. The most you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Spend less. Save more.

In this article, we covered many ways to shop for 2013 Ford Fusion Hybrid insurance online. It’s most important to understand that the more price quotes you have, the better likelihood of getting cheaper auto insurance. Drivers may discover the most savings is with a lesser-known regional company. Smaller companies often have lower rates on specific markets as compared to the big name companies such as GEICO and State Farm.

When shopping online for auto insurance, it’s a bad idea to buy lower coverage limits just to save a few bucks. There have been many cases where someone sacrificed full coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to purchase plenty of coverage at a price you can afford, but do not skimp to save money.

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