2017 Ford Fusion Energi Car Insurance Quotes – 7 Savings Tips

Want lower auto insurance rates for your Ford Fusion Energi? Do you get confused by the crazy number of auto insurance sources in your area? Lot’s of other drivers are too. Consumers have such a large number of options that it can easily become a burden to find a more affordable company.

Compare insurance quotes online

Most of the larger companies such as 21st Century, Allstate and State Farm allow consumers to get coverage prices on the web. Getting prices online is fairly simple as all you need to do is type in your personal and coverage information as detailed in the form. Once entered, their system pulls information on your driving record and credit history and provides a quote.

This streamlines rate comparisons, but having to visit each company’s website and repetitively enter the same data into a form can be a bit repetitive. But it’s also necessary to do this if you want to find the best price possible.

The better way to compare rates

An easier way to lower your insurance bill uses one simple form to get prices from a bunch of companies at once. This type of form saves time, eliminates form submissions, and makes online shopping much simpler. As soon as the form is sent, your coverage is rated with multiple companies and you can pick your choice of the returned quotes.

If one or more price quotes are lower than your current rates, you simply finish the application and buy the new coverage. The whole process just takes a couple of minutes and can result in significant savings.

To compare rates now, click here to open in new window and fill out the form. If you have your current policy handy, we recommend you replicate the coverage information as shown on your current policy. This makes sure you will have rate comparison quotes based on similar coverages.

The ad said I’d save $493 a year!

Auto insurance companies such as 21st Century, Allstate and State Farm consistently run ads in print and on television. All the companies have a common claim about how much you will save just by switching to them. It sounds good, but how can they all give you a lower rate? It’s all in how they say it.

Many companies are able to cherry pick for the type of driver they prefer to insure. One example of a driver they prefer might be between the ages of 30 and 45, insures multiple vehicles, and has a high credit rating. A customer getting a price quote that hits that “sweet spot” will get a cheap rate quote and will also save a lot of money.

Consumers who are not a match for this ideal profile must pay higher premium rates which translates to the customer not purchasing. The wording the ads use say “drivers who switch” not “all people who quote” will save that much if they switch. That’s why insurance companies can lure you into getting a quote.

Because of the profiling, drivers should compare as many free car insurance quotes as you can. It is impossible to guess which company will give you the biggest savings.

Cheaper rates with these seven discounts

Some insurance providers don’t always advertise all available discounts very well, so we break down both the well known and also the more inconspicuous discounts you could be receiving when you buy car insurance online. If you don’t get every credit possible, you are not getting the best rate possible.

  • Payment Discounts – If you pay your bill all at once instead of monthly or quarterly installments you can avoid monthly service charges.
  • Discounts for Seat Belt Usage – Forcing all vehicle occupants to wear their seat belts can save 10% or more on the premium charged for medical payments and/or PIP.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles can stop better under adverse conditions so you can save 10 percent or more.
  • Defensive Driver Discount – Participating in a defensive driver class may get you a small discount depending on where you live.
  • Renewal Discounts – Some companies give discounts for switching policies before your current policy expires. It’s a savings of about 10%.
  • Anti-theft System – Cars, trucks, and SUVs optioned with advanced anti-theft systems have a lower chance of being stolen and can earn a small discount on your policy.
  • Mature Driver Discount – Older drivers may be able to get a small discount on rates for Fusion Energi insurance.

It’s important to understand that some of the credits will not apply the the whole policy. Most cut individual premiums such as comp or med pay. Despite the fact that it seems like adding up those discounts means a free policy, you won’t be that lucky.

For a list of providers that provide some of the discounts listed above, click here.

Car insurance can be complex

When choosing adequate coverage, there isn’t really a perfect coverage plan. Every insured’s situation is different.

Here are some questions about coverages that can help discover if your insurance needs would benefit from an agent’s advice.

  • Is my business laptop covered if it gets stolen from my vehicle?
  • When should I drop full coverage on my 2017 Ford Fusion Energi?
  • Is my state a no-fault state?
  • Does my policy pay for OEM or aftermarket parts?
  • Are all vehicle passengers covered by medical payments coverage?
  • What is UM/UIM insurance?
  • When does my teenage driver need to be added to my policy?
  • Who is covered by my policy?
  • Should I bundle my homeowners policy with my auto?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form.

Car insurance 101

Learning about specific coverages of auto insurance helps when choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Comprehensive coverage (or Other than Collision)

This covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as hitting a deer, vandalism, damage from flooding, damage from getting keyed and fire damage. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Insurance for medical payments

Med pay and PIP coverage pay for expenses for things like rehabilitation expenses, pain medications, EMT expenses and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. Coverage applies to you and your occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Liability coverage

Liability insurance provides protection from damage or injury you incur to a person or their property by causing an accident. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like funeral expenses, repair bills for other people’s vehicles, pain and suffering and structural damage. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Collision protection

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

Collision coverage protects against claims like scraping a guard rail, crashing into a building, crashing into a ditch, hitting a parking meter and backing into a parked car. This coverage can be expensive, so consider dropping it from vehicles that are older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Ford Fusion Energi.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time these limits are identical to your policy’s liability coverage.

Shop Smart and Save

We covered many ways to compare 2017 Ford Fusion Energi insurance rates online. The most important thing to understand is the more providers you compare, the higher the chance of saving money. Consumers may even find the lowest rates are with a small mutual company.

Cost effective 2017 Ford Fusion Energi insurance is available online in addition to local insurance agencies, so you should be comparing quotes from both in order to have the best chance of saving money. Some companies do not offer price quotes online and usually these small insurance companies prefer to sell through independent insurance agents.

As you restructure your insurance plan, you should never sacrifice coverage to reduce premiums. There have been many situations where an insured dropped uninsured motorist or liability limits only to discover later they didn’t have enough coverage. Your aim should be to purchase a proper amount of coverage at the lowest possible cost, but do not skimp to save money.

More tips and info about insurance coverage can be read in the articles below: