2015 Ford Fusion Hybrid Insurance Quotes – 8 Savings Tips

Locating better insurance prices for your Ford Fusion Hybrid could be difficult, but you can follow the following methods and make it easy. There is a right way and a wrong way to buy car insurance so you’re going to learn the absolute fastest way to get price quotes on a Ford and find the best price possible.

Shop car insurance online

Cutting your car insurance rates can be surprisingly simple. You just have to spend a few minutes on the computer comparing free auto insurance quotes from some recommended companies. Insurance prices can be quoted by using one of the methods below.

  • The best way to find low rates is to use a rate comparison form (click to open form in new window). This method saves time by eliminating a different quote for each price estimate. One simple form will return quotes from multiple companies. Just one form and you’re done.
  • A slightly less efficient method to compare prices is spending the time to visit each company website to request a price quote. For example, we’ll pretend you want comparison quotes from Nationwide, Esurance and Progressive. You would need to go to each individual site and punch in your information repeatedly, and that’s why the first method is more popular.

    To view a list of companies in your area, click here.

The method you choose is up to you, but make sure you use apples-to-apples coverages for each comparison quote. If you are comparing different coverage information it will be impossible to make an equal comparison.

Take these eight policy discounts and save

Some companies do not advertise the complete list of policy discounts very well, so the below list has a few of the more well known as well as the least known car insurance savings.

  • Own a Home – Owning a home can earn you a little savings since owning and maintaining a home requires a higher level of personal finance.
  • ABS and Traction Control Discounts – Vehicles with anti-lock braking systems are safer to drive and earn discounts up to 10%.
  • Membership in Organizations – Belonging to qualifying employment or professional organizations could qualify you for a break on your next car insurance statement.
  • Bundled Policy Discount – If you insure your home and vehicles with one insurance company you may earn at least 10% off all policies.
  • Distant Student – who live away from home to go to college and do not have access to a covered vehicle can receive lower rates.
  • Driver’s Education for Students – It’s a good idea to have your young drivers enroll in driver’s education as it can save substantially.
  • Multi-Vehicle Discounts – Drivers who insure more than one vehicle on one policy can get a discount for every vehicle.
  • Passive Restraint Discount – Options like air bags and/or automatic seat belt systems may get savings of 20 to 30 percent.

A little disclaimer on discounts, most discounts do not apply to the entire cost. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. Despite the appearance that it’s possible to get free car insurance, it doesn’t quite work that way. Any amount of discount will bring down your overall bill.

Companies and their offered discounts can be read below.

  • Travelers has savings for payment discounts, home ownership, multi-car, good student, early quote, student away at school, and continuous insurance.
  • 21st Century offers discounts including good student, defensive driver, 55 and older, student driver, and teen driver.
  • State Farm includes discounts for multiple policy, driver’s education, Steer Clear safe driver discount, accident-free, and defensive driving training.
  • GEICO offers discounts for good student, multi-vehicle, membership and employees, multi-policy, and daytime running lights.
  • SAFECO discounts include teen safety rewards, bundle discounts, teen safe driver, anti-theft, drive less, safe driver, and multi-car.
  • AAA has discounts for good student, multi-policy, pay-in-full, education and occupation, AAA membership discount, good driver, and multi-car.

Before buying, ask all companies you are considering to give you their best rates. All car insurance discounts may not be available in your area.

Which policy gives me the best coverage?

When buying coverage for your personal vehicles, there is no “perfect” insurance plan. Everyone’s needs are different.

For example, these questions may help highlight if your situation would benefit from professional advice.

  • Am I covered when driving on a suspended license?
  • Should I file a claim if it’s only slightly more than my deductible?
  • I don’t drive much so do I pay less?
  • What is covered by UM/UIM coverage?
  • Are all vehicle passengers covered by medical payments coverage?
  • Why do I need rental car insurance?
  • Is my nanny covered when driving my vehicle?
  • When does my teenage driver need to be added to my policy?

If you’re not sure about those questions but a few of them apply then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and you can get the answers you need.

The largest companies are not always cheapest

Consumers can’t get away from ads that claim the cheapest premium rates by Progressive, GEICO, Allstate and State Farm. They all seem to make the promise about savings after switching to them.

How does each company offer you a better deal? This is the way they can do it.

Different companies give the best rates for the type of customer that will generate a profit. One example of a profitable insured might be over the age of 50, has never had a claim, and has great credit. Anybody who matches those parameters will probably get the lowest car insurance rates as well as save when switching.

Potential customers who are not a match for these stringent criteria will probably have to pay higher rates which translates to business going elsewhere. The ad wording is “drivers that switch” but not “all drivers who get quotes” save the amount stated. That is how companies can claim big savings. Because of this risk profiling, it is so important to get price quotes at each policy renewal. It’s just too difficult to predict the company that will provide you with the cheapest car insurance rates.

Car insurance coverages for a 2015 Ford Fusion Hybrid

Knowing the specifics of your insurance policy can help you determine appropriate coverage for your vehicles. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Comprehensive auto coverage

This coverage covers damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, damage from getting keyed, damage from flooding, rock chips in glass and falling objects. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision protection

This covers damage to your Fusion Hybrid from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as sustaining damage from a pot hole, crashing into a building, backing into a parked car, damaging your car on a curb and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Liability insurance

This provides protection from damage that occurs to other’s property or people that is your fault. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims like medical expenses, repair costs for stationary objects, repair bills for other people’s vehicles and court costs. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like dental work, chiropractic care and prosthetic devices. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. It covers both the driver and occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Be Smart and Buy Smart

People who switch companies do it for a number of reasons such as delays in responding to claim requests, delays in paying claims, an unsatisfactory settlement offer and policy cancellation. Regardless of your reason for switching companies, choosing a new insurance company can be easier than you think.

When shopping online for insurance, never reduce needed coverages to save money. In many cases, someone sacrificed liability limits or collision coverage only to find out that they should have had better coverage. The proper strategy is to get the best coverage possible at the lowest possible cost and still be able to protect your assets.

You just learned many tips how you can lower your 2015 Ford Fusion Hybrid insurance premium rates. The key concept to understand is the more times you quote, the better likelihood of getting affordable auto insurance. You may even find the lowest premium rates come from a small mutual company.

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