2010 Ford Fusion Car Insurance Rates

Trying to find better insurance coverage rates for your Ford Fusion? Scraping up a payment for pricey Ford Fusion insurance can bleed your budget and make it hard to pay other bills. Price shopping at each renewal is a great way to slash your bill and have more diposable income.

Numerous auto insurance companies battle for your hard-earned dollar, and because of this it can be hard to compare insurers to find the absolute best rates possible.

It’s a good habit to do rate comparisons once or twice a year because insurance coverage prices change frequently. Even if you got the best rates for Fusion coverage a couple years back a different company probably has better rate quotes today. Block out anything you think you know about insurance coverage because you’re going to get a crash course in one of the easiest ways to find better rates and still maintain coverage.

Affordable insurance coverage rates with discounts

Insuring your vehicles can cost a lot, but you can get discounts that many consumers don’t even know exist. A few discounts will automatically apply when you quote, but some may not be applied and must be inquired about before they will apply.

  • Driver’s Ed – It’s a good idea to have your young drivers enroll in driver’s education as it can save substantially.
  • New Car Discount – Adding a new car to your policy may earn a small discount because new vehicles have to meet stringent safety requirements.
  • Telematics Devices – Drivers who elect to allow companies to monitor driving patterns through the use of a telematics system such as Progressive’s Snapshot might see lower rates if they show good driving skills.
  • Distant Student – Kids who live away from home to go to college and do not take a car to college may be insured at a cheaper rate.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes are safer to drive and will save you 10% or more.
  • Low Mileage Discounts – Driving less could qualify for discounted rates on garaged vehicles.

Remember that most discounts do not apply the the whole policy. Most only apply to specific coverage prices like collision or personal injury protection. Even though it may seem like adding up those discounts means a free policy, you’re out of luck.

A few of the larger companies and a summarized list of policyholder discounts include:

  • State Farm offers discounts including good student, anti-theft, safe vehicle, student away at school, passive restraint, multiple autos, and multiple policy.
  • Liberty Mutual offers discounts for multi-car, hybrid vehicle, newly retired, teen driver discount, and new vehicle discount.
  • American Family may have discounts that include mySafetyValet, air bags, early bird, multi-vehicle, and bundled insurance.
  • Progressive includes discounts for good student, continuous coverage, online signing, homeowner, multi-vehicle, online quote discount, and multi-policy.
  • Farmers Insurance policyholders can earn discounts including business and professional, distant student, homeowner, early shopping, pay in full, alternative fuel, and good student.
  • Auto-Owners Insurance has discounts for multiple vehicles, teen driver, student away at school, paperless, multi-policy, safe vehicle, and anti-theft.
  • SAFECO has savings for bundle discounts, teen safe driver, anti-theft, anti-lock brakes, accident prevention training, homeowner, and teen safety rewards.

Before purchasing a policy, check with each company what discounts are available to you. Some of the earlier mentioned discounts might not be offered on policies in your area. To locate insurers that can offer you the previously mentioned discounts, click this link.

Tailor your car insurance coverage to you

When buying adequate coverage for your vehicles, there is no single plan that fits everyone. Everyone’s situation is a little different so this has to be addressed. These are some specific questions could help you determine if you could use an agent’s help.

  • Should I buy full coverage?
  • Do I have coverage for damage caused while driving under the influence?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Is my custom paint covered by insurance?
  • What discounts do I qualify for?
  • Are my friends covered when driving my 2010 Ford Fusion?
  • Is a blown tire covered by insurance?
  • Am I insured when driving a different vehicle?
  • Do I need roadside assistance coverage?
  • What is no-fault insurance?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and can help protect your family.

Insurance coverage considerations

Having a good grasp of your insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. These are the usual coverages found on most insurance policies.

Collision coverage protection

Collision insurance covers damage to your Fusion caused by collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like driving through your garage door, colliding with a tree, hitting a mailbox and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to raise the deductible to get cheaper collision coverage.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for bills such as surgery, EMT expenses and ambulance fees. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Liability coverages

Liability coverage can cover damage or injury you incur to people or other property by causing an accident. It protects you from legal claims by others. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Another option is a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims such as court costs, funeral expenses, loss of income, medical expenses and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but consider buying as high a limit as you can afford.

Comprehensive coverages

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as hitting a bird, fire damage, a broken windshield and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include hospital bills for your injuries and damage to your Ford Fusion.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Save your hard earned cash

When searching for the cheapest car insurance quotes, don’t be tempted to sacrifice coverage to reduce premiums. There are a lot of situations where an insured dropped collision coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your goal should be to buy the best coverage you can find at the best possible price and still be able to protect your assets.

The cheapest 2010 Ford Fusion insurance can be sourced from both online companies and from local agencies, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance providers may not have the ability to get quotes online and usually these smaller companies only sell through independent agents.

You just learned a lot of tips how to shop for 2010 Ford Fusion insurance online. The most important thing to understand is the more quotes you get, the higher the chance of saving money. You may even find the best price on insurance is with a lesser-known regional company. These companies may cover specific market segments cheaper than the large multi-state companies such as Allstate or State Farm.

More information is available below:

Comments About 2010 Ford Fusion Insurance

  1. Muriel Fields

    2010 Ford Fusion + State Farm = GOOD RATES!

  2. Elsie Whitley

    I compared a lot of rate quotes for a 2010 Ford Fusion in West Valley City, UT. Ended up at darn near $390 every six months with Amica. Insured with Safeco before.

  3. Antone Bullock

    It all costs too much. I live on the north side of Warwick, RI. Got car insurance quotes with Progressive, Auto-Owners, and some I forget for my Fusion and saved $332 a year. Was with Amica. A clean driving record helps. God forbid I actually have a claim.

  4. Kirby Morton

    If you have a good history and live near Concord, NH, check out State Farm. They seem to be cheaper. Insured with Progressive before.

  5. Kai Mendez

    Located in Cincinnati, OH. I got free quotes from American Family, Esurance, and MetLife for my Ford and saved $222 a year.

  6. Katheryn Ewing

    Quoted with AIG Insurance for my Fusion and cut my rates about $310 a year. Insured with Erie before. Have a couple speeding tickets too.

  7. Britany Meyer

    IMHO Atlanta, GA seems to have good rates from 21st Century.

  8. Porsche Cantrell

    Located in Grand Forks, ND. Don’t remember every company but I ended up saving about $50 each month. I get multi-vehicle and multi-policy discounts. They have free quotes online.

  9. Preston Greene

    If you’re a decent driver and live near Boston, MA, check out 21st Century. They seem to be cheaper. Left Hanover to switch. I’m a pretty low risk driver. I got prices on the web.

  10. Ngan Smith

    In Wichita, Kansas, Amica had the best rates for my 2010 Ford Fusion. Left American Family to switch.

  11. Jenee Barrera

    If you have a good history and live around Springfield, MA, check out GEICO. You might get cheaper rates. Even increased coverage a bit. Not sure if rates are cheaper online or not.

  12. Wanita Meyers

    I got decent rates for a 2010 Ford Fusion in Juneau, AK. Ended up at darn near $560 every six months with AIG Insurance.

  13. Chiquita Norton

    Anyone like their agent?

  14. Karl Curtis

    Progressive is decent in Indianapolis, Indiana.

  15. Joane Sellers

    I got decent rates for a 2010 Ford Fusion in Saint Paul, MN. Ended up at about $350 every six months with AIG Insurance. Was with MetLife. Good savings if you bundle. They were helpful in switching over.