View 2014 Ford Fusion Energi Car Insurance Quotes

Did you make the mistake of buying high-priced insurance coverage? Don’t feel bad because you’re not alone.

Many insurers vie for your hard-earned dollar, so it’s not easy to compare every insurance company to get the cheapest price

Smart consumers take time to compare premium rates on a regular basis because prices fluctuate regularly. Even if you got the best rates for Fusion Energi coverage six months ago you can probably find a lower rate today. Block out anything you think you know about insurance coverage because we’re going to demonstrate the right way to buy cheaper insurance coverage.

Save money with these auto insurance discounts

Insurance can cost an arm and a leg, but you can get discounts that could drop your premiums quite a bit. Certain reductions will be credited when you get a quote, but lesser-known reductions have to be asked about prior to receiving the credit.

• Safety Restraint Discount – Forcing all vehicle occupants to use their safety belts can save up to 15% off the PIP or medical payment premium.
• Discount for Multiple Policies – When you have multiple policies and insure them with the same company you will save at least 10% off all policies.
• Federal Employees – Simply working for the federal government can earn a discount up to 10% for Fusion Energi coverage depending on your auto insurance provider.
• First Accident Forgiveness – Not a discount per se, but a few companies such as Progressive, State Farm and Geico will let one accident slide without getting socked with a rate hike so long as you haven’t had any claims before the accident.
• Military Deployment Discount – Being on active duty in the military could mean lower premium rates.
• No Claims – Insureds with no claims or accidents can save substantially when compared to policyholders that have many claims.
• Resident Student – Youth drivers who live away from home to go to college and won’t have access to an insured vehicle could get you a discount.
• Driver Training Discounts – Taking time to complete a class that teaches driver safety techniques could possibly earn you a 5% discount and easily pay for the cost of the class.

While discounts sound great, it’s important to understand that most discount credits are not given to the overall cost of the policy. Some only reduce specific coverage prices like liability, collision or medical payments. If you do the math and it seems like adding up those discounts means a free policy, it just doesn’t work that way.

A few of the larger companies and some of the discounts include:

• American Family offers premium reductions for mySafetyValet, early bird, TimeAway discount, bundled insurance, and good driver.
• Farm Bureau offers discounts for youthful driver, safe driver, driver training, multi-vehicle, renewal discount, and multi-policy.
• State Farm has savings for student away at school, driver’s education, multiple policy, good driver, Drive Safe & Save, and multiple autos.
• Travelers policyholders can earn discounts including multi-policy, save driver, new car, IntelliDrive, and payment discounts.
• The Hartford may have discounts that include good student, defensive driver, driver training, vehicle fuel type, air bag, and bundle.
• Geico offers discounts including military active duty, five-year accident-free, daytime running lights, emergency military deployment, and defensive driver.
• Progressive includes discounts for homeowner, online quote discount, multi-vehicle, online signing, multi-policy, and good student.

If you need lower rates, check with each company or agent which discounts can lower your rates. Some credits may not be available in your area. If you would like to view insurance companies with significant discounts, click here to view.

Low cost insurance coverage prices

Effectively comparing insurance coverage prices can take hours if you don’t utilize the best way to get rate quotes. You can waste hours driving to insurance agencies in your area, or you could save time and use the internet to get rates in a matter of minutes.

Many companies belong to an insurance system where prospective buyers submit one quote, and each participating company provides a quote. This saves time by eliminating quotation requests for each company you want a rate for.

To get comparison pricing now click here (opens in new window).

The only drawback to comparing rates this way is you cannot specify which companies you will receive quotes from. So if you want to select specific insurance companies to compare, we have assembled a list of low cost insurance coverage companies in your area. View list of insurance companies.

It doesn’t matter which method you choose, just be sure you’re using apples-to-apples deductibles and coverage limits with every price quote. If you enter unequal deductibles or liability limits it will be impossible to find the best deal for your Ford Fusion Energi. Just a small difference in limits could throw off the whole comparison. Just keep in mind that comparing more rates from different companies helps improve the odds of finding more affordable rates. Not every company does online price quotes, so it’s important to also get rates from the smaller companies as well.

Car insurance can get complicated

When it comes to choosing the right insurance coverage, there is no perfect coverage plan. Each situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that might point out if your insurance needs will benefit from professional help.

• Is my camper covered by my car insurance policy?
• Does my medical payments coverage pay my health insurance deductible?
• Should I have a commercial auto policy?
• Can my teen drive my company car?
• Does my insurance cover my expensive audio equipment?
• Where can I get insurance after a DUI in my state?
• What can I do if my company denied a claim?
• How much can I save by bundling my policies?
• Can I make deliveries for my home business?
• Are split liability limits better than a combined single limit?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier

Auto insurance policy coverages for a 2014 Ford Fusion Energi

Knowing the specifics of a auto insurance policy can help you determine the right coverages at the best deductibles and correct limits. Auto insurance terms can be confusing and nobody wants to actually read their policy. These are the normal coverages available from auto insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your 2014 Ford Fusion Energi.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Collision coverage – This coverage will pay to fix damage to your Fusion Energi caused by collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as sustaining damage from a pot hole, sideswiping another vehicle, scraping a guard rail and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance pay for bills for dental work, hospital visits, nursing services, EMT expenses and rehabilitation expenses. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Liability coverage – Liability coverage protects you from damage that occurs to people or other property in an accident. It protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability can pay for claims like repair bills for other people’s vehicles, bail bonds and funeral expenses. How much coverage you buy is up to you, but you should buy higher limits if possible.

Comprehensive auto coverage – This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like hitting a deer, fire damage, vandalism, hitting a bird and damage from getting keyed. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

You can do this!

When getting auto insurance quotes online, make sure you don’t reduce needed coverages to save money. There are many occasions where drivers have reduced liability coverage limits only to regret that it was a big error on their part. Your focus should be to buy enough coverage at the best possible price and still be able to protect your assets.

We covered many ideas to get a better price on 2014 Ford Fusion Energi insurance. The key concept to understand is the more price quotes you have, the better chance you’ll have of finding affordable auto insurance. You may even find the most savings is with the least-expected company. They can often provide lower premium rates in certain areas compared to the large companies like State Farm and Allstate.

Affordable 2014 Ford Fusion Energi insurance is available both online and from local insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some companies do not provide price quotes online and most of the time these smaller companies only sell through independent agencies.

For more information, link through to the resources below:

• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
• Who Has Cheap Lincoln Car Insurance Quotes for a Ford Fusion? (LincolnAutoGuard.com)
• Who Has the Cheapest Auto Insurance Quotes for a Ford Fusion in Omaha? (OmahaInsure.com)
• Auto Insurance 101 (About.com)
• Credit Impacts Car Insurance Rates (State Farm)
• Vehicle Size and Weight FAQ (iihs.org)
• Neck Injury FAQ (iihs.org)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)