Save on 2017 Ford Fusion Insurance Quotes

Looking for better insurance rates for your Ford Fusion? Being forced to pay for expensive insurance premiums can draw down your family’s budget and possibly require you to analyze your spending habits. Comparison shopping is a great way to reduce premiums and put more money in your pocket.

Many insurers vie for your insurance dollar, so it’s not easy to compare every company to find the best rate

Pay discount rates these money-saving discounts

Car insurance is not cheap, but there may be some discounts that you may not even be aware of. Larger premium reductions will be automatically applied when you purchase, but some must be inquired about before you get the savings.

  • Federal Government Employee – Employees or retirees of the government could qualify for a slight premium decrease for Fusion coverage with some insurance coverage companies.
  • Good Student – A discount for being a good student can save 20 to 25%. Many companies even apply the discount to college students up until you turn 25.
  • Homeowners Pay Less – Just being a homeowner can earn you a little savings because owning a home demonstrates responsibility.
  • Accident Free – Good drivers with no accidents have much lower rates compared to insureds who have frequent claims or accidents.
  • Air Bags and Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts of 25 to 30%.
  • Senior Citizens – Drivers over the age of 55 are able to get a discount up to 10% for Fusion coverage.
  • Driving Data Discount – People who choose to allow driving data collection to study driving manner by using a small device installed in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system may get a rate reduction as long as they are good drivers.

Just know that most discount credits are not given to your bottom line cost. Most cut the price of certain insurance coverages like medical payments or collision. Despite the fact that it seems like it’s possible to get free car insurance, insurance coverage companies aren’t that generous.

Auto insurance companies who might offer these benefits include:

If you need lower rates, check with each company or agent which discounts can lower your rates. Some of the discounts discussed earlier might not be available to policyholders in your state. For a list of companies that offer discounts, click here to view.

Compare car insurance rate quotes online

There are several ways to compare car insurance prices but one way is less labor-intensive and much quicker. You could spend the better part of a day talking about coverages with insurance companies in your area, or you can utilize online quoting to get rates in a matter of minutes.

Many companies belong to an insurance system where prospective buyers enter their policy data once, and each participating company can give them a price determined by their information. This system prevents you from having to do repetitive form submissions for each company. To compare pricing click here (opens in new window).

The one disadvantage to using this type of system is you don’t know exactly which providers you want pricing from. If you would rather choose specific insurance companies to compare prices, we have a listing of car insurance companies in your area. Click to view list.

It’s up to you which method you use, but make darn sure you compare exactly the same coverages and limits for each quote you get. If the quotes have different data it’s impossible to make an equal comparison.

Do I need special coverages?

When buying coverage, there is no “perfect” insurance plan. Every insured’s situation is different so this has to be addressed. For instance, these questions could help you determine if your situation may require specific advice.

  • Is other people’s property covered if stolen from my vehicle?
  • Will I lose any money if I cancel my policy before it expires?
  • Does car insurance cover theft of personal property?
  • Where can I get insurance after a DUI in my state?
  • Do I have coverage when using my vehicle for my home business?
  • Is my teenager covered with friends in the car?
  • Am I covered when pulling a rental trailer?
  • Is my nanny covered when driving my vehicle?
  • How can I get high-risk coverage after a DUI?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier It is quick, free and can help protect your family.

Parts of your insurance policy

Learning about specific coverages of insurance can be of help when determining appropriate coverage and proper limits and deductibles. Insurance terms can be confusing and nobody wants to actually read their policy. Listed below are typical coverage types found on the average insurance policy.

Comprehensive coverage (or Other than Collision)

This covers damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like fire damage, a tree branch falling on your vehicle, theft and hitting a bird. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for collisions

This will pay to fix damage to your Fusion resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as driving through your garage door, scraping a guard rail, hitting a parking meter, colliding with another moving vehicle and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. It’s also possible to increase the deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for bills for things like doctor visits, ambulance fees, hospital visits, EMT expenses and chiropractic care. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and may carry a deductible

Auto liability

This will cover damage that occurs to people or other property by causing an accident. It protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Another option is a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against claims like loss of income, structural damage and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

A penny earned…

In this article, we covered a lot of information how to save on 2017 Ford Fusion insurance. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. You may even find the lowest rates are with a small local company. Regional companies may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm or Progressive.

As you go through the steps to switch your coverage, never sacrifice coverage to reduce premiums. In many instances, an insured cut liability limits or collision coverage only to regret that it was a big error on their part. Your goal should be to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.

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