2010 Ford Fusion Hybrid Insurance Quotes – 6 Policy Discounts

Looking for cheaper insurance rates for your Ford Fusion Hybrid? I can’t think of a single person who looks forward to paying premiums for insurance, in particular when the cost is way too high.

Vehicle owners have multiple insurance companies to buy insurance from, and although it’s a good thing to have a selection, it can be more challenging to find the lowest cost provider.

This information will help you learn how car insurance quotes work and some tips to save money. If you currently have a car insurance policy, you will be able to cut costs considerably using these techniques. Nevertheless, vehicle owners need to learn how insurance companies price online insurance because it can help you find the best coverage.

Do you qualify for these six discounts?

The price of auto insurance can be rather high, but you might be missing out on some discounts that could drop your premiums quite a bit. Certain discounts will be triggered automatically when you complete an application, but occassionally some discounts must be inquired about prior to receiving the credit. If you are not receiving all the discounts you deserve, you could be saving more on your insurance.

• Organization Discounts – Being a member of specific professional or occupational memberships or organizations may earn a discount when getting a insurance coverage quote.
• Distant Student – Kids living away from home attending college and leave their car at home can receive lower rates.
• Low Mileage Discounts – Driving less could qualify for better rates on cars that stay parked.
• Air Bag Discount – Factory air bags and/or automatic seat belt systems may earn rate discounts as much as 30%.
• Waiver for an Accident – This isn’t a discount exactly, but companies like Allstate, State Farm and Geico may permit one accident without the usual rate increase as long as you don’t have any claims before the accident.
• Multi-Vehicle Discounts – Purchasing coverage when you have several vehicles on a single policy can get a discount on all vehicles.

It’s important to understand that most of the big mark downs will not be given to the entire policy premium. Most cut the price of certain insurance coverages like liability, collision or medical payments. Despite the fact that it seems like adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

Popular insurance companies and a partial list of their discounts are shown below.

• American Family has discounts for accident-free, good student, good driver, bundled insurance, Steer into Savings, and multi-vehicle.
• Farm Bureau offers discounts for driver training, youthful driver, multi-vehicle, good student, 55 and retired, safe driver, and renewal discount.
• State Farm includes discounts for defensive driving training, Drive Safe & Save, good driver, passive restraint, good student, accident-free, and anti-theft.
• Travelers may include discounts for multi-policy, early quote, driver training, good student, IntelliDrive, and continuous insurance.
• The Hartford may have discounts that include bundle, driver training, good student, air bag, vehicle fuel type, defensive driver, and anti-theft.
• Geico discounts include air bags, five-year accident-free, seat belt use, defensive driver, driver training, and federal employee.
• Progressive offers discounts including online signing, online quote discount, multi-policy, multi-vehicle, continuous coverage, and homeowner.

When getting free insurance coverage quotes, it’s a good idea to each company or agent which discounts you qualify for. Depending on the company, some discounts may not be offered in your area.

First Step: Get free insurance coverage quotes

There are a lot of ways to shop for insurance coverage, but some are easier and takes less work. You could waste a few hours talking about coverages with agents in your area, or you could save time and use the internet to get pricing more quickly.

Many insurance companies participate in an industry program where prospective buyers submit their information once, and at least one company then gives them pricing based on that information. This system prevents you from having to do quote forms for each company.

To enter your information into the quoting system, click here (opens in new window).

One minor caviat to comparing rates this way is you can’t choose the insurers to get pricing from. If you would rather choose individual companies to request quotes from, we have a page of insurance coverage companies in your area. Click here for list of insurance companies.

Whichever method you choose, compare the exact same quote information for every quote you compare. If the quotes have different limits and deductibles on each one it will be very difficult to decipher which rate is best. Having just a slight variation in insurance coverages or limits may result in large price differences. Just remember that comparing more company’s prices helps improve the odds of finding better pricing. Some companies don’t provide quotes online, so you should also compare rates from them, too.

Don’t assume everyone needs the same auto insurance coverage

When choosing the right insurance coverage, there isn’t really a “best” method to buy coverage. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions may help highlight if your situation would benefit from an agent’s advice.

• How much liability coverage do I need in my state?
• Is motorclub coverage worth it?
• When should I buy a commercial auto policy?
• Is my nanny covered when driving my vehicle?
• Is my ex-spouse still covered by my policy?
• Can I still get insurance after a DUI?
• What is PIP insurance?
• Are rental cars covered under my policy?
• What exactly is covered by my policy?
• Do I have coverage when making deliveries for my home business?

If you’re not sure about those questions then you might want to talk to an agent. To find lower rates from a local agent, complete this form or click here for a list of auto insurance companies in your area.

Will you really save $421 on insurance?

Big name companies like 21st Century, Allstate and State Farm constantly bombard you with television and radio advertisements. All the companies have a common claim that you’ll save big if you switch to them. How does each company give you a lower rate? It’s all in the words they use.

Different companies have an ideal profile for the type of driver that will be a good risk. For example, this type of insured might be described as married and over the age of 30, has other policies, and drives newer vehicles. A customer that meets those criteria will get low rates and will probably pay quite a bit less when switching companies.

Potential insureds who don’t measure up to those standards will have to pay a more expensive rate with the end result being the prospect going elsewhere. If you listen closely, the ads state “drivers that switch” but not “everyone who gets a quote” can get the lowest rates when switching. That’s why insurance companies can confidently make those claims.

That is why you need to compare quotes as often as possible. Because without a comparison, you cannot know which company will fit your personal profile best.

Car insurance coverages for a 2010 Ford Fusion Hybrid

Understanding the coverages of your policy helps when choosing appropriate coverage and the correct deductibles and limits. Auto insurance terms can be impossible to understand and coverage can change by endorsement. These are the usual coverages available from auto insurance companies.

Protection from uninsured/underinsured drivers – This coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Ford Fusion Hybrid.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Frequently these limits are similar to your liability insurance amounts.

Collision – Collision insurance will pay to fix damage to your Fusion Hybrid resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things like sustaining damage from a pot hole, damaging your car on a curb, crashing into a ditch and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible to bring the cost down.

Medical expense insurance – Med pay and PIP coverage provide coverage for short-term medical expenses for pain medications, prosthetic devices and hospital visits. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover you and your occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Liability auto insurance – Liability insurance can cover damage or injury you incur to other’s property or people by causing an accident. This insurance protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Some companies may use a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things like court costs, medical expenses, loss of income and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but buy as large an amount as possible.

Comprehensive (Other than Collision) – Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like hitting a deer, a tree branch falling on your vehicle and damage from getting keyed. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Make a quick buck

You just learned some good ideas how you can shop for 2010 Ford Fusion Hybrid insurance online. It’s most important to understand that the more times you quote, the better likelihood of getting cheap insurance coverage. You may even find the lowest priced auto insurance comes from a small local company. Smaller companies may only write in your state and offer lower rates than the large multi-state companies such as Geico and State Farm.

Budget-friendly auto insurance is definitely available online and also from your neighborhood agents, so you need to shop insurance coverage with both to get a complete price analysis. Some auto insurance companies do not offer the ability to get a quote online and many times these small insurance companies prefer to sell through local independent agents.

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

• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
• Who Has the Cheapest Cincinnati Car Insurance Quotes for a Ford Fusion? (QuoteCincinnati.com)
• Understanding Car Crashes Video (iihs.org)
• Child Safety FAQ (iihs.org)
• Determing Auto Insurance Rates (Geico)