View 2018 Ford Fusion Energi Insurance Rates

No normal person rejoices having to buy car insurance, particularly when they are paying too much. Companies like Allstate, Liberty Mutual and State Farm continually bombard you with ad campaigns and it can be hard to ignore the flashy ads and do the work needed to find the best deal.

If you have a current car insurance policy or need new coverage, you can use these techniques to cut your premiums while maximizing coverage. Buying car insurance is not rocket science. Consumers just need to know the most efficient way to compare company rates over the internet.

Are you qualifying for every discount?

Some providers do not advertise all their discounts very clearly, so the list below details a few of the more common and the more hidden credits that may apply to you.

  • Good Students Pay Less – This discount can earn a discount of 20% or more. This discount can apply up until you turn 25.
  • E-sign – Certain auto insurance companies provide a small discount for signing up on the web.
  • Renewal Discounts – Some auto insurance companies provide a discount for switching companies before your current policy expires. You could save around 10% when you buy insurance online.
  • Low Mileage – Driving fewer miles could earn better rates on cars that stay parked.
  • Driver Education Discount – Have your child enroll and complete driver’s education as it will make them better drivers and lower rates.
  • Discounts for Cautious Drivers – Drivers who avoid accidents can pay as much as 50% less for Fusion Energi coverage compared to rates paid by drivers with frequent claims.

Remember that most of the big mark downs will not be given to your bottom line cost. The majority will only reduce individual premiums such as physical damage coverage or medical payments. So when it seems like having all the discounts means you get insurance for free, companies don’t profit that way.

If you would like to view auto insurance companies with significant discounts, click here to view.

How your Fusion Energi insurance premiums are determined

Lots of things are part of the equation when you get a price on insurance. Most are fairly basic such as traffic violations, but other factors are not as apparent like your vehicle usage or how financially stable you are.A large part of saving on car insurance is knowing some of the factors that help determine your policy premiums. If you have a feel for what determines base rates, this empowers consumers to make smart changes that will entitle you to lower rates.

  • High credit scores save money – Your credit rating is a big factor in calculating your premium rate. So if your credit history can use some improvement, you could save money insuring your 2018 Ford Fusion Energi by improving your credit score. Insureds with very high credit ratings tend to be better drivers and file fewer claims than drivers with poor credit.
  • Big city or small town – Residing in areas with lower population may provide you with better prices if you are looking for the lowest rates. Drivers in populated areas have more aggressive driving styles and higher rates of accident claims. Fewer drivers means less chance of accidents in addition to lower liability claims
  • Better rates on safer vehicles – Vehicles that have high safety ratings can get you lower premiums. Safer cars reduce injuries and better occupant protection means less money paid by your insurance company which can result in lower premiums. If the Ford Fusion Energi has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
  • Good drivers pay less – Just one citation can boost insurance rates by as much as twenty percent. Drivers who don’t get tickets pay less for auto insurance than their less careful counterparts. Drivers who have flagrant violations like DUI or reckless driving are required to file a SR-22 to the state department of motor vehicles in order to keep their license.
  • Raising deductibles lowers premiums – Deductibles for physical damage tell how much you are required to pay if a claim is determined to be covered. Physical damage protection, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. A few examples of covered claims could be rearending another vehicle, damage caused by hail, or theft of your vehicle. The more expense you pay before a claim is paid (deductible), the lower your rates will be for Fusion Energi coverage.

When in doubt talk to an agent

When choosing coverage, there really is no one size fits all plan. Everyone’s needs are different and a cookie cutter policy won’t apply. For instance, these questions might point out if your insurance needs will benefit from professional help.

  • When does my teenage driver need to be added to my policy?
  • Am I covered if I wreck a rental car?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Should I carry comprehensive and collision coverage?
  • When would I need rental car insurance?
  • Is my ex-spouse still covered by my policy?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Is my dog or cat covered if injured in an accident?

If you can’t answer these questions but you know they apply to you, you may need to chat with an agent. If you don’t have a local agent, simply complete this short form or click here for a list of insurance companies in your area. It is quick, free and can provide invaluable advice.

Will you really save $477 on auto insurance?

Drivers can’t ignore all the ads that claim the cheapest prices from the likes of Allstate, GEICO and Progressive. They all have a common claim that drivers will save a bundle if you move your auto insurance coverage to their company.

How does every company give you a better price? It’s all in how they say it.

Insurance providers require specific criteria for the type of driver that makes them money. One example of a driver they prefer might be described as married and over the age of 30, owns a home, and drives a safe vehicle. Anyone who matches that profile will get a cheap rate quote and will most likely save quite a bit of money when switching.

Drivers who cannot meet this ideal profile will probably have to pay higher premium rates with the end result being the customer not buying. The ads state “people who switch” not “everyone who quotes” save the amount stated. This is how companies can lure you into getting a quote. This emphasizes why you should get as many free insurance quotes as possible. It is impossible to guess the company that will give you the biggest savings.

Auto insurance 101

Learning about specific coverages of a auto insurance policy helps when choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Below you’ll find the normal coverages available from auto insurance companies.

Auto liability

Liability coverage protects you from injuries or damage you cause to people or other property in an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 50/100/50 which stand for $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability can pay for claims like medical services, pain and suffering, repair costs for stationary objects and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Collision protection

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as damaging your car on a curb, colliding with another moving vehicle, hitting a parking meter and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like hospital visits, prosthetic devices, rehabilitation expenses and doctor visits. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Comprehensive coverage

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as falling objects, a broken windshield, vandalism, fire damage and rock chips in glass. The most you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage gives you protection when other motorists either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Make a quick buck

We covered some good ideas how you can compare 2018 Ford Fusion Energi insurance prices online. It’s most important to understand that the more quotes you get, the better chance you’ll have of finding the cheapest insurance. You may be surprised to find that the lowest prices come from a lesser-known regional company. Some small companies often have lower rates on specific markets than the large multi-state companies such as Allstate and Progressive.

Lower-priced auto insurance is possible from both online companies in addition to local insurance agencies, and you need to comparison shop both to have the best chance of lowering rates. Some auto insurance companies do not offer the ability to get quotes online and most of the time these small, regional companies sell through independent insurance agents.

More articles