View 2013 Ford Fusion Insurance Rates

Consumers have options when looking for the lowest priced Ford Fusion insurance. They can either waste time contacting agents getting price quotes or leverage the internet to find the lowest rates.

There are more efficient ways to find car insurance online so you’re going to learn the quickest way to get price quotes for your Ford and get the best price possible from both online companies and local agents.

You should make it a habit to check car insurance prices every six months because rates are variable and change quite frequently. Even if you think you had the best deal on Fusion coverage a couple years back you can probably find a lower rate today. Forget all the misinformation about car insurance because you’re going to get a crash course in the tricks you need to know to find better rates and still maintain coverage.

This information will teach you how to get online quotes and some tricks to saving. If you currently have car insurance, you stand a good chance to be able to save some money using this information. Consumers just need to understand the proper way to compare prices online.

Auto Insurance Discounts

Insuring your fleet can be pricey, but you might be missing out on some discounts that can drop the cost substantially. Some discounts will apply at quote time, but occassionally some discounts must be asked about in order for you to get them. If you are not receiving all the discounts possible, you could be getting lower rates.

• Discount for Multiple Policies – When you have multiple policies and insure them with the same company you could save 10% to 20% off each policy.
• Employee of Federal Government – Having worked for a branch of the government can earn a discount up to 10% on Fusion coverage with select insurance companies.
• Good Student – Excelling in school can earn a discount of 20% or more. The discount lasts until age 25.
• Save over 55 – Seniors may be able to get better auto insurance rates on Fusion coverage.
• Braking Control Discount – Cars and trucks equipped with ABS or steering control are much safer to drive and therefore earn up to a 10% discount.
• Cautious Driver Discount – Insureds without accidents can get discounts for up to 45% lower rates on Fusion coverage than their less cautious counterparts.
• Discount for Home Ownership – Simply owning a home may earn you a small savings since owning and maintaining a home is proof of financial responsibility.
• Driving Data Discount – Policyholders that allow driving data submission to monitor their driving habits by using a telematic data system such as State Farm’s In-Drive could possibly reduce rates if their driving habits are good.
• Student Discount for Driver Training – Have your child participate in a local driver’s education class if it’s offered in school.

Discounts reduce rates, but you should keep in mind that some of the credits will not apply to your bottom line cost. Most only cut specific coverage prices like liability and collision coverage. Despite the appearance that you can get free auto insurance, it just doesn’t work that way. Any amount of discount should definitely cut your policy premium.

Companies and some of their more popular discounts are:

• Geico has savings for daytime running lights, defensive driver, good student, military active duty, seat belt use, and anti-theft.
• MetLife discounts include good driver, defensive driver, good student, multi-policy, accident-free, and claim-free.
• State Farm may offer discounts for passive restraint, Drive Safe & Save, multiple autos, driver’s education, and defensive driving training.
• Progressive has discounts for multi-policy, multi-vehicle, good student, continuous coverage, online signing, and homeowner.
• Mercury Insurance offers discounts including type of vehicle, anti-theft, location of vehicle, multi-policy, multi-car, good student, and accident-free.
• 21st Century offers premium reductions for good student, anti-lock brakes, automatic seat belts, defensive driver, teen driver, and driver training.
• Allstate offers discounts for EZ pay plan discount, multi-policy, teenSMART discount, senior citizen, and auto/life discount.

Before buying, ask all companies you are considering to apply every possible discount. A few discounts may not be available in your area.

What determines Ford Fusion insurance prices?

Many things are part of the calculation when premium rates are determined. Most are fairly basic like your driving record, but others are not as apparent such as whether you are married or your financial responsibility.Consumers need to have an understanding of the rating factors that go into determining the level of your policy premiums. When you know what positively or negatively positively or negatively impacts your premiums, this enables informed choices that can earn you big savings.

Listed below are some of the most rate-impacting factors used by your company to calculate rates.

• Lower mileage equals lower premium – The more you drive in a year the higher your rates will be. Most companies charge to insure your cars based upon how the vehicle is primarily used. Cars that do not get driven very much can get a lower rate than those that get driven frequently. Improper usage on your Fusion is throwing money out the window. It’s a smart idea to ensure your policy reflects annual mileage, because improper ratings can cost you money.
• Certain jobs pay higher rates – Did you know your job can affect your rates? Careers like military generalspolice officers and dentists have higher average rates because of high stress levels and long work hours. Conversely, jobs like actors, students and the unemployed get better rates on Fusion coverage.
• Younger driver insurance prices – Older, more experienced drivers are shown to be more cautious, are lower risk to insure .Teenage drivers tend to be careless and easily distracted when behind the wheel so car insurance rates are higher.
• Liability limits on your policy – The liability coverage on your policy is the protection if a court rules you are at fault for an accident. Your policy’s liability insurance provides legal defense coverage to attempt to prove you were not liable. Liability is cheap compared to other policy coverages, so buy as much as you can afford.
• Better rates for no policy lapses – Allowing your car insurance policy to lapse will be a guaranteed way to increase your rates. Not only will you pay higher rates, failure to provide proof of insurance could earn you a license revocation or jail time. You may need to prove you have insurance by filing a SR-22 with your state motor vehicle department.
• Traffic violations hurt – Whether or not you get tickets can have a huge impact on auto insurance premiums. Having just one speeding ticket can increase rates by as much as thirty percent. Good drivers pay less for auto insurance as compared to those with violations. Drivers unfortunate enough to have careless citations such as reckless driving or DUI may find that they have to to submit a SR-22 or proof of financial responsibility with their state’s department of motor vehicles in order to prevent a license revocation.
• Frequent policy claims increase prices – Insurance companies provide lower rates to insureds that do not abuse their auto insurance. If you frequently file small claims, you can pretty much guarantee increased rates or even have your policy non-renewed. Insurance coverage is meant to be used in the event of claims that you cannot pay yourself.
• Combining policies can get discounts – Lots of companies will award lower prices to people who carry more than one policy, otherwise known as a multi-policy discount. Even if you’re getting this discount it’s in your best interest to shop around to confirm you are receiving the best rates possible. You may still save even more by buying insurance from more than one company.

Tailor your insurance coverage to you

When buying proper insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is a little different.

For example, these questions might help in determining if your insurance needs may require specific advice.

• Should I put collision coverage on all my vehicles?
• Am I better off with higher deductibles on my 2013 Ford Fusion?
• Can I get a multi-policy discount?
• Can I rate high risk drivers on liability-only vehicles?
• What is the difference between comprehensive and collision coverage?
• Does car insurance cover theft of personal property?
• Should I have combined single limit or split liability limits?
• Is extra glass coverage worth it?
• Who is covered by my policy?
• How much can I save by bundling my policies?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed agent. If you don’t have a local agent, simply complete this short form. It only takes a few minutes and can help protect your family.

Auto insurance coverage options for a Ford Fusion

Knowing the specifics of your auto insurance policy helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be difficult to understand and coverage can change by endorsement.

Collision coverage

Collision coverage pays for damage to your Fusion caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as colliding with another moving vehicle, backing into a parked car and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Liability insurance

Liability coverage will cover damages or injuries you inflict on people or other property in an accident. It protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for claims such as repair bills for other people’s vehicles, legal defense fees, funeral expenses and loss of income. How much coverage you buy is up to you, but you should buy as much as you can afford.

Medical costs insurance

Coverage for medical payments and/or PIP pay for bills like rehabilitation expenses, ambulance fees, pain medications and prosthetic devices. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. They cover both the driver and occupants as well as any family member struck as a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as fire damage, hitting a bird, theft and falling objects. The most your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

UM/UIM Coverage

This protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Never pay more for less

You just learned a lot of techniques to lower your 2013 Ford Fusion insurance rates. The key thing to remember is the more price quotes you have, the higher the chance of saving money. Drivers may discover the best rates are with a small mutual company.

As you quote car insurance, it’s not a good idea to reduce coverage to reduce premium. There have been many cases where drivers have reduced liability coverage limits only to regret that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy the best coverage you can find at the best price but still have enough coverage for asset protection.

Lower-priced 2013 Ford Fusion insurance is attainable on the web in addition to many insurance agents, so you should compare both to have the best selection. Some insurance companies don’t offer online quoting and these small insurance companies work with independent agents.

For more information, link through to the resources below:

• Understanding Rental Car Insurance (Insurance Information Insitute)
• Bodily Injury Coverage (Liberty Mutual)
• Crash Avoidance Technologies FAQ (iihs.org)
• Senior Drivers (Insurance Information Insitute)
• Information for Teen Drivers (Geico)
• Comprehensive Coverage (Liberty Mutual)