2016 Ford Fusion Insurance Cost – 9 Policy Discounts

Searching for cheaper auto insurance rates? Consumers have lots of choices when looking for the lowest priced Ford Fusion insurance. They can either spend hours calling around to compare prices or save time using the internet to make rate comparisons. There are both good and bad ways to shop for auto insurance so you’re going to learn the proper way to quote coverages for a new or used Ford and locate the lowest price either online or from local insurance agents.

It’s a good idea to compare prices once or twice a year because auto insurance prices are rarely the same from one policy term to another. If you had the lowest price on Fusion coverage at your last renewal a different company probably has better rate quotes today. You can find a lot of information about auto insurance on the web, but in a few minutes you can learn the easiest ways to find cheap auto insurance.

How to get auto insurance quotes

The majority of larger companies give coverage price quotes on their websites. Getting prices online is quite easy because you just enter the amount of coverage you want as requested by the quote form. Once entered, the quote system will order credit information and your driving record and gives you a price quote based on the data you entered.

Being able to quote online makes it easy to compare insurance prices but the work required to visit several different sites and type in the same information is repetitive and time-consuming. But it’s necessary to compare as many rates as possible if you want to find the lowest possible prices on auto insurance.

A quicker way to find better auto insurance pricing makes use of a single form that gets prices from more than one company. The form is fast, helps eliminate reptitive entry, and makes rate comparisons much easier to do. After sending the form, your coverage is rated with multiple companies and you can pick any one of the quote results. If you find a better price you can click and sign and buy the policy. It can be completed in a matter of minutes and could lower your rates considerably.

If you want to find out how much you can save on auto insurance, click here to open in new window and begin entering your coverage information. To compare your current rates, we recommend you complete the form with deductibles and limits as close as possible to your current policy. Using the same limits helps guarantee you will get a fair comparison using the same coverage and limits.

Get cheaper insurance with discounts

Some providers don’t always advertise the complete list of policy discounts very well, so the following is a list of a few of the more common as well as the least known credits that you can use to lower your rates. If you do not double check each discount available, you’re paying more than you need to.

  • Driver Education Discount – Have your child participate in a local driver’s education class if offered at their school.
  • Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to wear their seat belts can save a little off the personal injury premium cost.
  • Accident Forgiveness – This one isn’t a discount, but some insurance companies permit an accident before your rates go up so long as you are claim-free before the accident.
  • Telematics Devices – Policyholders that allow data collection to track when and where they use their vehicle by using a telematics device like Drivewise from Allstate or In-Drive from State Farm could save a few bucks if they are good drivers.
  • Discounts for Safe Drivers – Drivers who avoid accidents can save as much as half off their rates on Fusion coverage than less cautious drivers.
  • Student Discounts – Getting good grades can get you a discount of up to 25%. Most companies allow this discount up to age 25.
  • Safety Course Discount – Completing a safe driver class can save you 5% or more and easily pay for the cost of the class.
  • Bundled Policy Discount – If you can combine your homeowners and auto policy with one company you may earn as much as 10 to 15 percent.
  • Passive Restraints and Air Bags – Factory air bags and/or automatic seat belt systems may earn rate discounts of 20% or more.

A little note about advertised discounts, most of the big mark downs will not be given to all coverage premiums. Some only apply to specific coverage prices like comprehensive or collision. Even though it appears all the discounts add up to a free policy, it doesn’t quite work that way.

A few popular companies and their offered discounts are:

  • Mercury Insurance has discounts for anti-theft, low natural disaster claims, annual mileage, type of vehicle, good driver, ease of repair, and accident-free.
  • Farmers Insurance may offer discounts for good student, business and professional, electronic funds transfer, distant student, mature driver, and youthful driver.
  • Farm Bureau includes discounts for driver training, youthful driver, renewal discount, multi-vehicle, safe driver, and multi-policy.
  • State Farm may include discounts for passive restraint, accident-free, multiple policy, multiple autos, good driver, and student away at school.
  • Allstate policyholders can earn discounts including new car, farm vehicle, 55 and retired, FullPay discount, utility vehicle, and passive restraint.
  • GEICO has savings for air bags, good student, seat belt use, driver training, anti-theft, and membership and employees.

When quoting, ask each insurance company to give you their best rates. Depending on the company, some discounts may not apply to policies in your area. To choose insurance companies that offer many of these discounts, click this link.

Tailor your insurance coverage to you

When choosing proper insurance coverage for your vehicles, there really is no single plan that fits everyone. Everyone’s situation is unique.

These are some specific questions might help in determining whether or not you might need an agent’s assistance.

  • Does my insurance cover a custom paint job?
  • Who is covered when they drive my 2016 Ford Fusion?
  • Which is better, split liability limits or combined limits?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Does my car insurance cover rental cars?
  • What should my uninsured motorist coverage limits be in my state?
  • What discounts do I qualify for?
  • Are there companies who specialize in insuring high-risk drivers?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed agent. If you don’t have a local agent, take a second and complete this form. It only takes a few minutes and can provide invaluable advice.

Insurance coverages 101

Learning about specific coverages of your insurance policy can be of help when determining the right coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Uninsured/Underinsured Motorist (UM/UIM) – This provides protection when other motorists are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your 2016 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. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Collision – Collision insurance covers damage to your Fusion resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims like crashing into a ditch, damaging your car on a curb and colliding with a tree. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also increase the deductible to get cheaper collision coverage.

Comprehensive insurance – Comprehensive insurance coverage covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims like hail damage, a broken windshield, a tree branch falling on your vehicle, falling objects and hitting a deer. The most you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability auto insurance – Liability insurance can cover injuries or damage you cause to people or other property. This coverage protects you from claims by other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for things such as medical expenses, attorney fees and medical services. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage pay for immediate expenses for things like pain medications, doctor visits and EMT expenses. They are often utilized in addition to your health insurance policy or if you do not have health coverage. They cover you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Do the work, save more money

Budget-friendly insurance can be found both online and from local insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some insurance companies do not offer online quoting and most of the time these smaller providers only sell coverage through local independent agencies.

Consumers switch companies for a number of reasons such as high prices, not issuing a premium refund, being labeled a high risk driver and even denial of a claim. Regardless of your reason for switching companies, switching companies can be easier than you think.

As you shop your coverage around, don’t be tempted to skimp on critical coverages to save a buck or two. In many instances, someone dropped collision coverage to discover at claim time that the small savings ended up costing them much more. The goal is to buy a smart amount of coverage at the best price and still be able to protect your assets.

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