Compare 2014 Ford Fusion Car Insurance Quotes

Want lower insurance coverage rates for your Ford Fusion? Wish you could get out of high-priced insurance coverage? It’s a common feeling and you’re not the only one.

Companies like State Farm, Allstate, GEICO and Progressive constantly blast consumers with TV and radio ads and it can be hard to see through the deception and effectively compare rates to find the best deal.

It is always a good idea to get comparison quotes occasionally since rates are constantly changing. Even if you think you had the best premium rates for Fusion coverage at your last renewal there may be better deals available now. Don’t believe everything you read about insurance coverage on the internet, but we’re going to give you the best ways to quit paying high insurance coverage rates.

How to buy car insurance

The majority of larger companies allow you to get prices from their websites. Comparing rates online is fairly simple as you simply type in your required coverages as detailed in the form. Upon sending the form, the quote system pulls your driving record and credit report and provides a quote based on the data you entered. Online price estimates helps simplify price comparisons, but the time required to go to several different sites and fill out multiple forms is monotonous and tiresome. But it’s very important to have as many quotes as possible if you want to get a lower rate.

A more efficient way to find cheaper rates uses one form that obtains quotes from a lot of companies. It saves time, eliminates repetitive work, and makes price shopping online a lot less work. After sending your information, it is rated and you are able to buy any or none of the price quotes you receive.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase the new policy. This process takes just a few minutes to complete and can result in significant savings.

If you want to compare rates using this form now, click here to open in a new tab and enter your vehicle and coverage information. If you currently have coverage, we recommend you replicate exactly as shown on your declarations page. This helps ensure you will be getting rate quotes using the exact same coverages.

Insurance rate influencing factors

Lots of things are taken into consideration when you get your auto insurance bill. Most are fairly basic like an MVR report, although some other factors are less apparent like where you live or how financially stable you are.One of the most helpful ways to save on auto insurance is to to have a grasp of the different types of things that play a part in calculating auto insurance rates. When you know what positively or negatively impacts premium levels, this empowers consumers to make smart changes that could help you find much lower annual insurance costs.

  • Does insurance coverage cost more for men? – Statistics show that women are safer drivers than men. However, don’t assume that females are better drivers. Males and females have auto accidents in similar numbers, but the male of the species tend to have more serious accidents. Men also receive more costly citations like DWI (DUI) or reckless driving. Young males are most likely to cause an accident and therefore pay the highest rates.
  • Your location is important – Having an address in a small town has definite advantages when talking about auto insurance. Drivers in populated areas have much more traffic and longer commutes to work. Less people living in that area means reduced accidents as well as less vandalism and auto theft.
  • Save by driving less – The more miles you rack up on your Ford annually the more you will pay for auto insurance. Most insurance companies charge rates partially by how you use the vehicle. Cars used primarily for pleasure use receive better premium rates than cars that get driven a lot. It’s a smart idea to ensure your declarations sheet correctly shows how each vehicle is driven, because improper ratings can cost you money. Having an incorrect usage rating on your Fusion is throwing money out the window.
  • If you don’t need it don’t buy it – There are a ton of additional coverages that you can buy on your Fusion policy. Coverages for roadside assistance, towing coverage, and term life insurance may be wasting your money. These may sound like a good investment at first, but if you don’t need them remove them from your policy.
  • Save by driving safer vehicles – Safer cars tend to have better insurance rates. Safe vehicles result in less severe injuries and fewer serious injuries means your insurance company pays less passed on to you as lower rates. If the Ford Fusion has at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
  • Avoid auto insurance policy lapses – Allowing your coverage to lapse is a fast way to drive up your policy premiums. In addition to paying higher premiums, failure to provide proof of insurance can result in a fine, jail time, or a revoked license. You may then be required to prove you have insurance by filing a SR-22 with your state DMV.

Do you qualify for discounts?

Insurance is neither fun to buy or cheap, but there may be some discounts that many people don’t even know exist. Certain discounts will be triggered automatically at the time of quoting, but some must be asked for in order for you to get them. If you do not double check each discount you deserve, you could be getting lower rates.

  • Bundled Policy Discount – If you have multiple policies with the same company you could save nearly 15% which can help you find the cheapest insurance coverage.
  • Air Bags and Passive Restraints – Factory options such as air bags and/or automatic seat belt systems could see savings of 20% or more.
  • Fewer Miles Equal More Savings – Driving fewer miles may allow you to get lower prices on the low mileage vehicles.
  • Homeowners Pay Less – Owning a house can get you a discount because of the fact that having a home requires a higher level of personal finance.
  • Early Switch Discount – A few companies give discounts for renewing your policy before your current expiration date. You may see this discount when you get insurance coverage quotes online.
  • ABS Brakes – Cars that have anti-lock braking systems are much safer to drive so you can save 10 percent or more.

As a sidenote, some of the credits will not apply the the whole policy. Most cut the price of certain insurance coverages like liability, collision or medical payments. Just because you may think it’s possible to get free car insurance, company stockholders wouldn’t be very happy.

Companies and the discounts they provide are outlined below.

  • State Farm offers discounts including anti-theft, good driver, good student, Steer Clear safe driver discount, driver’s education, and accident-free.
  • Esurance has discounts for online shopper, multi-policy, good student, DriveSense, and homeowner.
  • Progressive has savings for online quote discount, multi-vehicle, homeowner, continuous coverage, online signing, good student, and multi-policy.
  • Liberty Mutual may offer discounts for safety features, teen driver discount, preferred payment discount, new graduate, hybrid vehicle, and newly married.
  • Auto-Owners Insurance offers discounts for teen driver, multi-policy, anti-theft, company car, and group or association.
  • GEICO policyholders can earn discounts including multi-vehicle, defensive driver, driver training, anti-lock brakes, five-year accident-free, and seat belt use.

Before you buy a policy, ask each company the best way to save money. Some discounts listed above may not apply to policies in your area.

Don’t assume everyone needs the same insurance coverage

When buying adequate coverage, there really is not a single plan that fits everyone. Each situation is unique and a cookie cutter policy won’t apply. For instance, these questions may help highlight whether you may require specific advice.

  • When should I drop full coverage on my 2014 Ford Fusion?
  • Can I rate high risk drivers on liability-only vehicles?
  • Can my babysitter drive my car?
  • Should I buy only the required minimum liability coverage?
  • Do I have coverage when using my vehicle for my home business?
  • Do I need roadside assistance coverage?
  • What should my uninsured motorist coverage limits be in my state?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies.

Educate yourself about insurance coverages

Knowing the specifics of a insurance policy can help you determine the best coverages at the best deductibles and correct limits. Insurance terms can be impossible to understand and reading a policy is terribly boring. These are the normal coverages available from insurance companies.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your Ford Fusion.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Most of the time the UM/UIM limits are set the same as your liablity limits.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as hail damage, a tree branch falling on your vehicle, damage from a tornado or hurricane, damage from getting keyed and damage from flooding. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Insurance for medical payments

Coverage for medical payments and/or PIP kick in for bills like funeral costs, nursing services, hospital visits and X-ray expenses. They are used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision protection

This coverage covers damage to your Fusion resulting from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like backing into a parked car, rolling your car, colliding with a tree, hitting a parking meter and crashing into a building. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to save money on collision insurance.

Liability coverages

Liability coverage protects you from damages or injuries you inflict on people or other property by causing an accident. It protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Occasionally you may see a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability coverage protects against claims like attorney fees, loss of income and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but consider buying as large an amount as possible.

In Summary

As you prepare to switch companies, you should never reduce needed coverages to save money. There are many occasions where someone dropped comprehensive coverage or liability limits to discover at claim time they didn’t purchase enough coverage. Your objective should be to find the BEST coverage at an affordable rate.

In this article, we covered quite a bit of information on how to lower your 2014 Ford Fusion insurance premium rates. The key concept to understand is the more rate quotes you have, the better your comparison will be. Consumers may even find the lowest premium rates come from a small mutual company. Smaller companies often have lower prices on specific markets than the large multi-state companies such as Allstate, GEICO and Progressive.

Lower-priced insurance coverage is available on the web in addition to many insurance agents, so get free insurance coverage quotes from both of them to have the best chance of lowering rates. There are still a few companies who do not provide online price quotes and many times these smaller companies sell through independent agents.

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