View 2013 Ford Fusion Energi Car Insurance Rates

Looking for cheaper insurance rates for your Ford Fusion Energi? Finding cheaper insurance for a new or used Ford Fusion Energi could be a painful process, but you can learn a few tricks and make it easy.

There are both good and bad ways to buy insurance and we’ll show you the best way to quote coverages for a new or used Ford and locate the lowest possible price either online or from local insurance agents.

It is always a good idea to do price comparisons yearly because insurance prices trend upward over time. Despite the fact that you may have had the lowest quotes for Fusion Energi insurance at your last renewal there may be better deals available now. You’ll find a ton of advice on insurance online, but we’re going to give you a lot of great tips on how to slash your insurance rates.

Shopping for the best auto insurance is not that difficult. If you have a current auto insurance policy or need a new policy, you can use these techniques to cut your premiums and still get good coverage. Drivers just need to learn the proper methods to get comparison rates over the internet.

Save money with these tips

An important part of buying insurance is that you know some of the things that help calculate the level of your policy premiums. If you know what determines base rates, this enables you to make decisions that may reward you with lower rates. Many things are considered when pricing auto insurance. Most are fairly basic such as your driving history, but some are more obscure such as whether you are married or your financial responsibility.

The list below includes some of the factors used by insurance companies to determine your prices.

• High credit scores save money – Your credit score factor in determining what you pay for insurance coverage. Drivers with high credit scores tend to file fewer claims and have better driving records than drivers with worse credit. If your credit score can use some improvement, you may save money insuring your 2013 Ford Fusion Energi by improving your credit score.
• Gaps in coverage mean higher premiums – Letting your insurance expire can be a quick way to increase your insurance coverage rates. Not only will you pay more, failure to provide proof of insurance could result in fines or a revoked license.
• Having a spouse brings a discount – Having a spouse can actually save you money on your insurance coverage bill. Marriage means you’re more mature than a single person and insurance companies like that being married results in fewer claims.
• Careless drivers pay higher costs – Having just one speeding ticket may increase your cost to the point where it’s not affordable. Drivers with clean records have lower premiums than people who have multiple driving citations. People who have dangerous violations like hit and run, DWI or reckless driving convictions are required to submit a SR-22 form with their state’s licensing department in order to drive a vehicle legally.
• Extra policy coverages that aren’t used – There are a lot of extra coverages that may not really be needed if you aren’t diligent. Coverages for personal injury protection, death and dismemberment, and extra life insurance coverage may be costing you every month. They may seem good at first, but if you’ve never needed them in the past remove them from your policy.
• Use but don’t abuse your insurance – If you are a frequent claim filer, you can look forward to either higher rates or even cancellation. Car insurance companies award better rates to drivers that do not abuse their auto insurance. Your car insurance is meant to be used in the event of more catestrophic claims.
• Insurance is expensive for teen drivers – Inexperience drivers are proven to be inattentive behind the wheel so insurance coverage rates are higher. Mature drivers are viewed as being more responsible, are lower risk to insure and get fewer tickets.
• Vocation and insurance prices – Jobs such as military personnel, social workers and dentists usually pay the highest average rates due to job stress and lots of time spent at work. On the other hand, jobs such as farmers, students and the unemployed generally pay rates lower than average for Fusion Energi insurance.

Drivers save money with with these discounts

Companies that sell car insurance don’t necessarily list all their discounts very well, so the below list has a few of the more well known in addition to some of the lesser obvious credits available to you.

• Distant Student – Children who live away from home at college and don’t have a car could get you a discount.
• Use Seat Belts – Forcing all vehicle occupants to buckle up can save a little on the premium charged for medical payments and/or PIP.
• Discount for Home Ownership – Owning a home can help you save on insurance because maintaining a house means you have a higher level of financial diligence.
• Bundle and Save – If you combine your homeowners and auto policies with one insurance company they may give you a discount of up to 20% and get you low cost insurance coverage.
• Save with a New Car – Adding a new car to your policy is cheaper compared to insuring an older model.
• Safety Course Discount – Participating in a course that instructs on driving safety can save you 5% or more depending on where you live.

Discounts save money, but please remember that some credits don’t apply the the whole policy. A few only apply to the cost of specific coverages such as comprehensive or collision. Even though the math looks like it’s possible to get free car insurance, it’s just not the way it works.

A list of insurance companies and some of the discounts are shown below.

• Geico has discounts for driver training, seat belt use, good student, defensive driver, federal employee, air bags, and five-year accident-free.
• SAFECO offers premium reductions for multi-car, anti-lock brakes, bundle discounts, anti-theft, and safe driver.
• State Farm includes discounts for good student, driver’s education, defensive driving training, anti-theft, and accident-free.
• MetLife offers discounts for claim-free, defensive driver, good student, good driver, multi-policy, and accident-free.
• 21st Century policyholders can earn discounts including homeowners, student driver, teen driver, theft prevention, defensive driver, and 55 and older.
• Progressive may have discounts that include good student, online quote discount, multi-vehicle, homeowner, continuous coverage, multi-policy, and online signing.

Double check with all companies you are considering to apply every possible discount. Some discounts listed above may not be available in your area. If you would like to choose from a list of insurers that offer some of these discounts, click this link.

Your situation helps dictate your coverage

When buying coverage, there is no one size fits all plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might help in determining if you would benefit from an agent’s advice.

• Should I have combined single limit or split liability limits?
• Is my babysitter covered when using my vehicle?
• At what point should I drop full coverage?
• Am I covered when using my vehicle for business?
• Why is insurance for a teen driver so high?
• Am I covered when driving someone else’s vehicle?
• How does medical payments coverage work?
• How can I get my company to pay me more for my totalled car?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, simply complete this short form. It only takes a few minutes and can help protect your family.

Coverage specifics

Knowing the specifics of car insurance can be of help when determining appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

UM/UIM Coverage – Your UM/UIM coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Normally these limits are set the same as your liablity limits.

Collision coverage – Collision coverage covers damage to your Fusion Energi resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as sideswiping another vehicle, hitting a parking meter, scraping a guard rail and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to increase the deductible to get cheaper collision coverage.

Liability coverage – This coverage provides protection from injuries or damage you cause to people or other property in an accident. It protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see 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 a limit of $25,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things such as attorney fees, funeral expenses, bail bonds, repair bills for other people’s vehicles and emergency aid. How much coverage you buy is a personal decision, but you should buy as high a limit as you can afford.

Medical costs insurance – Coverage for medical payments and/or PIP reimburse you for bills for funeral costs, doctor visits, dental work, hospital visits and pain medications. They are often used to fill the gap from your health insurance plan or if you are not covered by health insurance. They cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as damage from getting keyed, a broken windshield, fire damage, falling objects and damage from flooding. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

A little work can save a LOT of money

Insureds leave their current company for any number of reasons including an unsatisfactory settlement offer, high prices, delays in responding to claim requests or even policy non-renewal. Regardless of your reason, switching auto insurance companies can be easier than you think.

Lower-priced 2013 Ford Fusion Energi insurance can be bought from both online companies and also from your neighborhood agents, and you should compare rates from both to get a complete price analysis. There are still a few companies who don’t offer online price quotes and usually these smaller providers only sell through independent insurance agents.

We’ve covered many ways to save on 2013 Ford Fusion Energi insurance. It’s most important to understand that the more quotes you get, the higher the chance of saving money. You may even discover the best rates are with the smaller companies.

To read more, feel free to browse the articles below:

• Alcohol Impaired Driving FAQ (iihs.org)
• State Laws for Cellphones and Texting (iihs.org)
• Safety Features for Your New Car (State Farm)
• What is Gap Insurance? (Insurance Information Insitute)
• Drunk Driving Statistics (Insurance Information Insitute)