2016 Ford Fusion Hybrid Insurance Rates – 6 Ways to Save

Trying to find better insurance prices for a Ford Fusion Hybrid can turn out to be a lot of work, but you can learn these tips to save time.

There are more efficient ways to buy insurance coverage and you need to know the absolute fastest way to get price quotes for a Ford and get the lowest price from both online companies and local agents.

Six discounts for cheaper auto insurance rates

Insuring your vehicles can cost a lot, but you might already qualify for some discounts that can help lower your rates. A few discounts will be applied at the time of quoting, but once in a while a discount must be requested specifically before you get the savings.

  • Student in College – College-age children who live away from home at college and do not take a car to college may be able to be covered for less.
  • Driver’s Ed – Require your teen driver to enroll and complete driver’s education in high school.
  • Responsible Driver Discount – Drivers who avoid accidents can save up to 40% or more on their insurance coverage quote for Fusion Hybrid insurance than drivers with accident claims.
  • Multi-car Discount – Insuring multiple cars on one policy qualifies for this discount.
  • Senior Discount – Seniors are able to get a slight reduction on a insurance coverage quote for Fusion Hybrid insurance.
  • Telematics Discount – Policyholders that allow their company to analyze driving patterns through the use of a telematics system such as Progressive’s Snapshot and State Farm’s In-Drive might get better premium rates as long as the data is positive.

Discounts reduce rates, but you should keep in mind that most credits do not apply to all coverage premiums. Some only apply to individual premiums such as liability, collision or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, it doesn’t quite work that way.

Popular auto insurance companies and a partial list of their discounts are:

  • Progressive may include discounts for good student, multi-vehicle, online quote discount, continuous coverage, online signing, multi-policy, and homeowner.
  • AAA policyholders can earn discounts including good student, multi-car, good driver, multi-policy, and pay-in-full.
  • Farmers Insurance offers discounts including good student, homeowner, bundle discounts, mature driver, alternative fuel, and business and professional.
  • GEICO offers discounts for daytime running lights, multi-vehicle, emergency military deployment, membership and employees, and federal employee.
  • Esurance includes discounts for Switch & Save, defensive driver, paid-in-full, online shopper, claim free, Pac-12 alumni, and good driver.
  • SAFECO discounts include bundle discounts, accident prevention training, teen safety rewards, drive less, anti-theft, and safe driver.
  • State Farm has discounts for anti-theft, Steer Clear safe driver discount, multiple autos, good student, passive restraint, good driver, and driver’s education.

Before buying, ask every insurance company which discounts they offer. Some credits may not apply to policyholders in your area. To see a list of auto insurance companies with the best discounts, click here.

How to buy insurance coverage

Finding low cost insurance coverage quotes doesn’t have to be difficult. The only thing you need to do is spend a few minutes to compare rate quotes from some recommended companies. This can easily be done using a couple different methods.

  1. The most efficient way to compare a lot of rates at once is an all-inclusive rate comparison click to view form in new window. This method eliminates the need for a different quote for each company you want a rate for. Completing one form will get you price quotes from multiple companies. It’s definitely the quickest method.
  2. A more difficult way to get quotes online requires a visit to the website for each individual company and repeat the quote process again and again. For sake of this example, we’ll pretend you want comparison quotes from GEICO, Liberty Mutual and Allstate. To find out each rate you need to spend time on each company’s site and type in your information over and over, and that explains why we recommend the first method. For a list of links to companies insuring cars in your area, click here.
  3. The final way to comparison shop is going to insurance agents’ offices. The ability to quote online reduces the need to sit down with an agent unless you’re the type of person who wants the advice and guidance only provided by licensed agents. You can, however, get prices online and have a local agent actually service the policy.

It doesn’t matter which method you choose, just compare equivalent deductibles and coverage limits on every quote you get. If you compare different liability limits you will not be able to decipher which rate is best.

Tailor your insurance coverage coverage to you

When it comes to buying the right insurance coverage for your personal vehicles, there really is not a one size fits all plan. Every insured’s situation is different.

For example, these questions can aid in determining if your insurance needs would benefit from an agent’s advice.

  • Is my babysitter covered when using my vehicle?
  • Is my teen driver covered when they drive my company car?
  • Do I need motorclub coverage?
  • How can I find cheaper teen driver insurance?
  • Is other people’s property covered if stolen from my vehicle?
  • How many claims can I have before being cancelled?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an agent. To find lower rates from a local agent, complete this form. It’s fast, free and may give you better protection.

Coverages available on your policy

Learning about specific coverages of insurance helps when choosing the right coverages and proper limits and deductibles. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance pay for bills like doctor visits, rehabilitation expenses, ambulance fees and chiropractic care. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Uninsured and underinsured coverage – This provides protection when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as damage to your 2016 Ford Fusion Hybrid.

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 important protection for you and your family. Most of the time these limits do not exceed the liability coverage limits.

Comprehensive coverages – Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like hitting a bird, damage from a tornado or hurricane, hitting a deer, damage from flooding and rock chips in glass. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Liability auto insurance – This coverage provides protection from damages or injuries you inflict on a person or their property. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability insurance covers things like medical expenses, emergency aid, attorney fees, bail bonds and funeral expenses. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.

Collision coverage – This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims like driving through your garage door, hitting a mailbox, backing into a parked car and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also raise the deductible to get cheaper collision coverage.

Online plus local equals savings

Insureds who switch companies do it for any number of reasons including being labeled a high risk driver, denial of a claim, lack of trust in their agent and high rates after DUI convictions. No matter why you want to switch, finding a great new company can be less work than you think.

When buying insurance coverage, you should never buy poor coverage just to save money. There are a lot of situations where an insured dropped liability limits or collision coverage only to discover later that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy enough coverage for the lowest price, but do not sacrifice coverage to save money.

We just showed you quite a bit of information on how to get a better price on 2016 Ford Fusion Hybrid insurance. The key thing to remember is the more you quote insurance coverage, the better your chances of lowering your car insurance rates. You may even discover the best rates are with a lesser-known regional company.

Much more information about insurance can be found at the links below