Save on 2013 Ford Fusion Insurance Rates

Are you regretting the purchase of an underperforming, overpriced insurance policy? Say no more because many consumers feel financially strained by their insurance policy. Insurance companies such as Allstate and Progressive increase brand awareness with fancy advertisements and it is difficult to see past the corporate glitz and do the work needed to find the best deal.

You should take the time to do rate comparisons yearly because prices trend upward over time. Even if you think you had the lowest price on Fusion coverage six months ago you can probably find a better rate quote now. Block out anything you think you know about insurance because you’re going to learn the easiest way to save on insurance.

How to get low cost car insurance

There are a variety of methods to compare car insurance quotes, but some are less labor-intensive and much quicker. You can waste hours discussing policy coverages with agents in your area, or you could save time and use the internet to accomplish the same thing much quicker.

Most of the larger companies belong to a marketplace where insurance shoppers complete one form, and at least one company returns a rated price determined by their information. This system prevents you from having to do quote requests for each company you want a rate for.

To find out what other companies charge click here to start a free quote.

The one disadvantage to using this type of system is you can’t choose which companies you will receive quotes from. So if you prefer to pick from a list of companies to receive pricing from, we put together a list of car insurance companies in your area. Click to view list.

Whichever method you choose, make absolute certain that you use apples-to-apples coverages and limits for each comparison quote. If each company quotes unequal deductibles or liability limits it’s not possible to determine the lowest rate for your Ford Fusion.

These discounts can lower car insurance rates

Companies do not list every discount they offer very well, so the list below contains both the well known as well as some of the hidden ways to save on car insurance.

• Data Collection Discounts – People who choose to allow companies to study when and where they use their vehicle through the use of a telematics system such as Allstate’s Drivewise and State Farm’s In-Drive system could save a few bucks if they are good drivers.
• Seat Belts Save – Buckling up and requiring all passengers to use their safety belts can save 10% or more off the medical payments premium.
• Discounts for Multiple Vehicles – Insuring all your vehicles on one policy may reduce the rate for each vehicle.
• Accident-Free Discounts – Drivers who stay claim-free can earn big discounts in comparison to accident-prone drivers.
• Passive Restraints – Options like air bags and/or automatic seat belt systems could see savings of 25 to 30%.
• Anti-lock Brakes – Cars and trucks equipped with ABS or steering control can reduce accidents and qualify for as much as a 10% discount.
• Bundled Policy Discount – If you have multiple policies and place coverage with the same company you could get a discount of at least 10 to 15 percent or more.
• Early Renewal Discounts – Some larger companies reward drivers for buying a new policy before your current policy expires. The savings is around 10%.
• Discount for Home Ownership – Just owning your own home can get you a discount due to the fact that maintaining a home shows financial diligence.
• Military Deployment Discount – Having an actively deployed family member could be rewarded with lower premium rates.

Don’t be shocked that some credits don’t apply the the whole policy. Some only apply to the cost of specific coverages such as medical payments or collision. Even though the math looks like you would end up receiving a 100% discount, that’s just not realistic.

The best car insurance companies and a selection of discounts are included below.

• Progressive has savings for multi-policy, continuous coverage, multi-vehicle, homeowner, online quote discount, online signing, and good student.
• Farmers Insurance may include discounts for early shopping, business and professional, good student, alternative fuel, and electronic funds transfer.
• Farm Bureau offers discounts including good student, 55 and retired, youthful driver, driver training, renewal discount, and multi-policy.
• State Farm may offer discounts for good driver, Steer Clear safe driver discount, multiple policy, anti-theft, and multiple autos.
• GEICO offers discounts for membership and employees, driver training, multi-vehicle, emergency military deployment, and anti-theft.
• SAFECO policyholders can earn discounts including accident prevention training, anti-theft, anti-lock brakes, drive less, and teen safety rewards.
• Liberty Mutual includes discounts for hybrid vehicle, good student, newly married, newly retired, and teen driver discount.

If you need lower rates, check with each company or agent which discounts you qualify for. All car insurance discounts may not apply to policies everywhere. To find insurance companies who offer free car insurance quotes, follow this link.

When do I need an agent’s advice?

When it comes to choosing coverage for your vehicles, there is no single plan that fits everyone. Each situation is unique and a cookie cutter policy won’t apply. These are some specific questions may help highlight whether you may require specific advice.

• Do I pay less for low miles?
• Are split liability limits better than a combined single limit?
• Is my 2013 Ford Fusion covered for flood damage?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• What are the best liability limits?
• Exactly who is provided coverage by my policy?
• Will my rates increase for filing one claim?
• Will my insurance pay for OEM parts?
• Can I afford low physical damage deductibles?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.

Auto insurance coverage information

Learning about specific coverages of your car insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and coverage can change by endorsement. Listed below are the normal coverages available from car insurance companies.

Comprehensive coverage – This coverage pays for damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims like rock chips in glass, damage from a tornado or hurricane, theft, a broken windshield and vandalism. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Usually these limits are identical to your policy’s liability coverage.

Liability auto insurance – This can cover damage that occurs to other’s property or people. It protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers claims such as emergency aid, medical expenses and loss of income. The amount of liability coverage you purchase is a personal decision, but you should buy as large an amount as possible.

Medical payments coverage and PIP – Med pay and PIP coverage provide coverage for immediate expenses such as EMT expenses, funeral costs, ambulance fees, surgery and hospital visits. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants as well as any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Collision coverage – This pays for damage to your Fusion resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like damaging your car on a curb, colliding with a tree and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.