2012 Ford Fusion Car Insurance Rates – 8 Tips for Best Quotes

Want cheaper auto insurance rates for your Ford Fusion? If online auto insurance comparisons are new to you, it’s easy to get overwhelmed thanks to the huge assortment insurance agents and companies all advertising big savings.

It’s a good idea to check auto insurance prices quite often since prices fluctuate regularly. Just because you found the best price on Fusion coverage a few years ago there is a good chance you can find better rates now. There is a lot of bad advice regarding auto insurance online but you can learn some good information on how to quit paying high auto insurance rates.

If you are paying for car insurance now, you stand a good chance to be able to cut costs considerably using this strategy. The purpose of this post is to help you learn the best way to quote coverages and some money-saving tips. Nevertheless, car owners do need to learn the way companies price insurance differently and use this information to your advantage.

Insurance companies offer many discounts

Car insurance companies do not advertise all available discounts in a way that’s easy to find, so we researched both the well known in addition to some of the lesser obvious credits available to bring down your rates. If you don’t get every credit possible, you are throwing money away.

• Fewer Miles Equal More Savings – Low annual miles may allow you to get slightly better insurancerates than normal.
• Driver’s Ed – Require your teen driver to enroll and complete driver’s education if it’s offered in school.
• Professional Memberships – Having an affiliation with qualifying clubs or civic groups can get you a small discount when shopping for insurance.
• E-sign – Some insurance companies will give you a small discount for signing up online.
• Multiple Policy Discount – If you can bundle your auto and home insurance and place coverage with the same company they may give you a discount of 10% to 20% off each policy.
• Discounts for New Vehicles – Buying insurance coverage on a new vehicle can cost up to 25% less because new model year vehicles are generally safer.
• Discount for Good Grades – Maintaining excellent grades can get you a discount of up to 25%. Most companies allow this discount until age 25.
• Claim-Free Discount – Drivers with accident-free driving histories can earn big discounts in comparison with insureds who have frequent claims or accidents.

Policy discounts save money, but most discount credits are not given to all coverage premiums. Some only apply to specific coverage prices like comprehensive or collision. Even though the math looks like you can get free auto insurance, insurance companies wouldn’t stay in business.

Popular insurance companies and a partial list of their discounts are:

• Geico discounts include anti-theft, defensive driver, federal employee, multi-vehicle, and air bags.
• Travelers includes discounts for payment discounts, student away at school, IntelliDrive, new car, and save driver.
• Farm Bureau may include discounts for multi-policy, youthful driver, driver training, renewal discount, multi-vehicle, and 55 and retired.
• Liberty Mutual offers discounts for multi-policy, new graduate, new move discount, hybrid vehicle, and multi-car.
• American Family has savings for good student, early bird, TimeAway discount, mySafetyValet, multi-vehicle, air bags, and bundled insurance.
• Progressive offers discounts including good student, online quote discount, multi-policy, multi-vehicle, online signing, homeowner, and continuous coverage.

When quoting, ask each company how many discounts you can get. Some discounts listed above might not be offered in your area. If you would like to view providers who offer free insurance quotes, click here.

How to buy insurance coverage online

There are several ways to shop for insurance coverage, but one way is less time-consuming than others. You can waste a few hours (or days) talking about coverages with insurance agencies in your area, or you can utilize online quoting to get the quickest rates.

Most of the larger companies enroll in a system where prospective buyers enter their coverage request one time, and each company can give them a price for coverage. This prevents consumers from doing repetitive form submissions to each individual insurance coverage company. To use this form to compare rates click here (opens in new window).

The one disadvantage to getting quotes like this is you can’t choose which providers to get quotes from. If you wish to select specific providers to request quotes from, we put together a list of insurance coverage companies in your area. Click here to view list.

However you get your quotes, try to use nearly identical quote information for every company. If the quotes have mixed coverages it will be very difficult to make a fair rate comparison. Just slight variations in coverages could skew the results. Keep in mind that more quotes helps you find the best rates.

Do I just need basic coverages?

When it comes to choosing coverage for your personal vehicles, there is no single plan that fits everyone. Every situation is different.

For example, these questions might help in determining whether your personal situation would benefit from professional advice.

• Do I need an umbrella policy?
• How high should deductibles be on a 2012 Ford Fusion?
• Are my friends covered when driving my car?
• Are my tools covered if they get stolen from my vehicle?
• Is other people’s property covered if stolen from my vehicle?
• Why do I only qualify for high-risk insurance?
• Is a fancy paint job covered?
• What should my uninsured motorist coverage limits be in my state?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form.

Learn about car insurance coverages for a Ford Fusion

Understanding the coverages of your policy aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Collision coverage protection

This pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as sideswiping another vehicle, colliding with another moving vehicle, crashing into a ditch, backing into a parked car and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. You can also increase the deductible to bring the cost down.

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as damage from a tornado or hurricane, hitting a deer and fire damage. The most you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and damage to your Ford Fusion.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Liability

Liability coverage provides protection from injuries or damage you cause to a person or their property that is your fault. It protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Some companies may use a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for things such as structural damage, funeral expenses, legal defense fees and pain and suffering. How much liability coverage do you need? That is up to you, but buy as large an amount as possible.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for things like funeral costs, X-ray expenses and pain medications. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Final considerations

We covered some good ideas how you can reduce 2012 Ford Fusion insurance prices online. The most important thing to understand is the more providers you compare, the higher the chance of saving money. You may be surprised to find that the most savings is with a small mutual company.

When shopping online for insurance coverage, it’s not a good idea to buy lower coverage limits just to save a few bucks. There have been many cases where someone dropped uninsured motorist or liability limits only to find out that the small savings ended up costing them much more. Your objective should be to buy the best coverage you can find for the lowest cost, but do not sacrifice coverage to save money.

Drivers leave their current company for any number of reasons including extreme rates for teen drivers, not issuing a premium refund, delays in responding to claim requests and even poor customer service. Whatever your reason, finding a great new company is less work than it seems.

More tips and info about insurance coverage is located at these sites:

• Learn About Car Insurance (Geico)
• Rollover Crash FAQ (iihs.org)
• Tools for Teen Driving Safety (State Farm)
• Auto Insurance Facts and Statistics (Insurance Information Insitute)