2011 Ford Fusion Car Insurance Cost

No car owner enjoys paying for insurance, particularly when they are paying too much.

Insurance companies such as GEICO, Progressive and Allstate continually hit you with advertising and it is challenging if not impossible to ignore the flashy ads and take the time to shop coverage around.

It’s a great practice to shop coverage around occasionally since insurance rates change regularly. Even if you think you had the lowest rate on Fusion coverage six months ago other companies may now be cheaper. Block out anything you think you know about insurance because you’re about to learn one of the quickest ways to lower your rates without sacrificing coverage.

Buy auto insurance online

When looking for cheap insurance coverage quotes, there are a couple ways of comparing price quotes from all the different companies. By far the easiest way to lower the rate you pay for Ford Fusion insurance involves getting comparison quotes online. It’s really quite simple and can be done in a couple minutes as outlined below.

  • If you don’t have a lot of time, the easiest way to compare a lot of rates at once is an all-inclusive rate comparison click here to open form in new window. This form eliminates the need for repetitive form submissions to each individual auto insurance company. One quote request will return price quotes from auto insurance companies with the best prices.
  • A slightly less efficient method to analyze rates is spending the time to visit the website for each individual company to complete their respective quote request forms. For example, let’s say you need rates from State Farm, Progressive and Allstate. You would have to spend time going to each site individually to input your insurance information, which is why the first method is quicker.

    To view a list of companies in your area, click here.

Whichever method you choose, be sure to compare the same coverage data for each price quote. If your comparisons have different limits and deductibles on each one you can’t possibly make an equal comparison. Just slight variations in coverage limits can result in a big premium difference. Just keep in mind that comparing a large number of companies helps improve the odds of finding more affordable rates. Some regional insurers cannot provide online quotes, so it’s recommended that you also compare prices from them as well.

Discount insurance quotes

Companies that sell car insurance do not list every possible discount in an easy-to-find place, so the list below gives a summary of both well-publicized and also the lesser-known savings tricks you should be using when you buy insurance coverage online.

  • Good Student – Getting good grades can get you a discount of up to 25%. You can use this discount normally until age 25.
  • Student Discount for Driver Training – Teen drivers should enroll and complete driver’s education if it’s offered in school.
  • Service Members Pay Less – Having a family member in the military may lower your rates slightly.
  • Organization Discounts – Affiliation with a professional or civic organization is a good way to get lower rates when shopping for insurance.
  • Seat Belt Discounts – Using a seat belt and requiring all passengers to use a seat belt may be able to save a few bucks off the medical payments premium.
  • Homeowners Savings – Simply owning a home may earn you a small savings because it demonstrates responsibility.
  • Switch and Save Discount – A few insurance companies give discounts for renewing your policy prior to the expiration date on your current policy. This discount can save up to 10%.
  • E-sign – Certain companies give back up to $50 for completing your application on the web.
  • Discount for Low Mileage – Maintaining low annual mileage could qualify for slightly better insurancerates than normal.
  • Claim-Free Discount – Drivers with accident-free driving histories are rewarded with significantly better rates on insurance coverage quote as opposed to policyholders that have many claims.

Keep in mind that most discount credits are not given to the overall cost of the policy. Most only reduce individual premiums such as comprehensive or collision. So even though you would think you can get free auto insurance, companies wouldn’t make money that way.

A few of the larger companies and some of their more popular discounts can be read below.

  • State Farm may have discounts that include multiple policy, anti-theft, defensive driving training, passive restraint, accident-free, and good driver.
  • GEICO may offer discounts for multi-vehicle, driver training, multi-policy, seat belt use, and five-year accident-free.
  • Allstate policyholders can earn discounts including EZ pay plan discount, resident student, good payer, anti-theft, and FullPay discount.
  • SAFECO has savings for anti-theft, anti-lock brakes, teen safety rewards, bundle discounts, drive less, homeowner, and safe driver.
  • Farm Bureau discounts include driver training, 55 and retired, good student, multi-vehicle, safe driver, and renewal discount.
  • Progressive has discounts for homeowner, multi-policy, multi-vehicle, online quote discount, and online signing.
  • AAA includes discounts for pay-in-full, good student, multi-policy, AAA membership discount, good driver, and multi-car.

When getting free insurance coverage quotes, it’s a good idea to every company the best way to save money. Some credits might not be offered in your area. If you would like to see a list of companies that offer multiple discounts, click this link.

Tailor your insurance coverage to you

When it comes to choosing coverage for your vehicles, there isn’t really a perfect coverage plan. Every insured’s situation is different and your policy should reflect that. These are some specific questions can aid in determining if your insurance needs might need professional guidance.

  • What is covered by UM/UIM coverage?
  • Should I have a commercial auto policy?
  • Why am I required to buy liability insurance?
  • Is my 2011 Ford Fusion covered for smoke damage?
  • Does my medical payments coverage pay my health insurance deductible?
  • Am I better off with higher deductibles on my 2011 Ford Fusion?
  • Do I pay less for low miles?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to 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.

Car insurance coverage basics

Knowing the specifics of a car insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the usual coverages available from car insurance companies.

Liability coverage – Liability insurance protects you from damage that occurs to people or other property in an accident. This insurance protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability insurance covers claims such as funeral expenses, pain and suffering, attorney fees and repair bills for other people’s vehicles. How much coverage you buy is up to you, but you should buy higher limits if possible.

Comprehensive insurance – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as damage from getting keyed, a broken windshield and rock chips in glass. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverage – Collision insurance covers damage to your Fusion resulting from a collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims like backing into a parked car, rolling your car, hitting a mailbox, driving through your garage door and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. You can also bump up the deductible to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage reimburse you for bills for EMT expenses, doctor visits, funeral costs and pain medications. The coverages can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is very important.

Comments About 2011 Ford Fusion Insurance

  1. Dovie Ray

    I can’t pay high rates. From northwest of Sioux Falls, South Dakota. Quoted quotes from Progressive, American Family, and some I forget for my Ford and saved just over $110 a year. Was with Allstate. My new agent seems to be really good.

  2. Sunday Jones

    Any Progressive or Erie customers near Shreveport, LA?

  3. Treena Pace

    I live in Parkersburg, West Virginia. I don’t recall every quote but I ended up saving about $50 each month. I have kids on my policy, too.

  4. Ngan Moreno

    Located in Aurora, Colorado. Quoted a bunch of companies. Saved about $20 a month. GEICO was the cheapest for me. I increased coverages a little too. They have free quotes online.