Lower Your 2014 Ford Fusion Hybrid Car Insurance Quotes

Trying to find lower auto insurance rates for your Ford Fusion Hybrid? If you’re shopping for cheaper insurance on the web, do you get overwhelmed by the dozens of auto insurance choices available to you? You’re not alone. There are so many choices to choose from that it can turn into more work than you anticipated to compare rates.

Four things that impact your insurance costs

Part of the insurance buying process is learning the factors that are used to determine your policy premiums. When you understand what impacts premium levels, this allows you to make good choices that can earn you much lower annual insurance costs. Lots of factors are part of the calculation when premium rates are determined. A few of the factors are predictable such as traffic violations, although others are less apparent like where you live or your financial responsibility.

The following are some of the items companies use to determine your rate level.

• Females pay lower prices – The statistics show females are less aggressive when driving. Now that doesn’t mean females are better at driving than males. Males and females are in accidents in similar numbers, but men cause more damage. Men also receive more major tickets like DWI (DUI) or reckless driving. Youthful male drivers tend to get in the most accidents and therefore pay the highest rates.
• Safer vehicles cost less to insure – Safer cars cost less to insure. These vehicles reduce the chance of injuries and lower injury rates translates directly to fewer claims passed on to you as lower rates. If the Ford Fusion Hybrid is rated at a minimum four stars on Safercar.gov you may pay a lower rate.
• Raising comp and collision deductibles saves money – The deductibles are how much you are required to spend before your insurance pays a claim. Physical damage insurance, also called ‘full coverage’, covers damage that occurs to your car. Some coverage claims would be rearending another vehicle, damage from fire, and damage caused by road hazards. The larger the amount you are required to pay out-of-pocket, the bigger discount you will receive for Fusion Hybrid insurance.
• Lower miles driven equals lower premium – The more miles you rack up on your Ford in a year’s time the higher your rates will be. Many insurance companies charge to insure your cars based on how the vehicle is used. Cars and trucks left parked in the garage get more affordable rates compared to those used for work or business. Having an incorrect usage rating on your Fusion Hybrid is just wasting money. It’s a smart idea to ensure your policy states the correct usage.

Compare free insurance coverage rate quotes

To get cheap insurance quotes, there a variety of ways to compare prices from insurance coverage companies in your area. The easiest way to do a complete rate comparison is to use the internet to compare rates. This can be done in a couple minutes as outlined below.

1. The fastest and easiest way to compare a lot of rates at once is to use a rate comparison form click to view form in new window. This method prevents you from having to do separate forms for each price estimate. A single, simple form compares rates direct from many companies. It’s definitely the quickest method.
2. A more time consuming way to shop for insurance coverage online requires visiting each company’s website and repeat the quote process. For examples sake, let’s say you want to see prices from Progressive, State Farm and Liberty Mutual. To find out each rate you need to go to each individual site and enter your information, which is not fast way to get rate quotes.

   For a list of links to insurance companies in your area, click here.

3. Even if you have time, the least recommended method to shop rates is calling or driving to all the different insurance agencies. The ability to buy insurance online eliminates the need for an insurance agent unless you require the peace of mind that you can only get from talking to an agent. Some companies do allow you to price shop your coverage online but still have the advice of a local agent.

However you get your quotes, make sure you compare identical coverage limits for every company. If your comparisons have different limits and deductibles on each one you will not be able to determine the best price for your Ford Fusion Hybrid. Just a small difference in insurance coverages or limits could mean much higher rates. Just remember that more quotes increases the change that you will find better pricing. Not every company allows you to get online quotes, so you also need to get price estimates from them, too.

Lower-cost insurance coverage rates with discounts

Some providers don’t necessarily list every discount in a way that’s easy to find, so the list below details both the well known as well as some of the hidden discounts you could be receiving when you buy insurance online.

• Renewal Discounts – Select companies give a discount for renewing your policy prior to the expiration date on your current policy. It can save you around 10%.
• Driver’s Ed – It’s a good idea to have your young drivers take driver’s ed class if offered at their school.
• Safety Course Discount – Taking time to complete a course in defensive driver could save 5% or more and easily pay for the cost of the class.
• Payment Method – If paying your policy premium upfront instead of monthly or quarterly installments you can avoid the installment charge.
• Accident Forgiveness Coverage – Not really a discount, but companies like Progressive and Allstate will allow you to have one accident before your rates go up with the catch being you have to be claim-free prior to being involved in the accident.

As a sidenote, some of the credits will not apply the the whole policy. Some only apply to specific coverage prices like liability, collision or medical payments. If you do the math and it seems like you would end up receiving a 100% discount, you won’t be that lucky.

To locate insurers that can offer you the previously mentioned discounts, click this link.

Tailor your auto insurance coverage to you

When it comes to choosing adequate coverage for your personal vehicles, there really is not a one size fits all plan. Each situation is unique.

For example, these questions may help highlight whether your personal situation might need professional guidance.

• Will my rates increase for filing one claim?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Does coverage extend to a rental car in a foreign country?
• Does my insurance cover a custom paint job?
• Is upholstery damage covered by car insurance?
• Should I put collision coverage on all my vehicles?
• Are rental cars covered under my policy?
• I have good health insurance, so how much medical payments coverage do I need?
• Am I covered when driving on a suspended license?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed agent. To find an agent in your area, complete this form.

Car insurance 101

Understanding the coverages of your policy aids in choosing appropriate coverage for your vehicles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Collision coverages – Collision insurance pays for damage to your Fusion Hybrid caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like driving through your garage door, hitting a parking meter, crashing into a building, hitting a mailbox and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Liability – Liability coverage can cover damage or injury you incur to other people or property. It protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

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 values of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for things such as legal defense fees, structural damage and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance kick in for expenses for rehabilitation expenses, funeral costs, pain medications, nursing services and ambulance fees. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive auto coverage – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like a broken windshield, damage from a tornado or hurricane, falling objects and damage from getting keyed. The most a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Ford Fusion Hybrid.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Quote more, save more

We just covered a lot of techniques to lower your 2014 Ford Fusion Hybrid insurance prices. It’s most important to understand that the more price quotes you have, the better your comparison will be. You may be surprised to find that the most savings is with a small mutual company.

When shopping online for insurance, never buy poor coverage just to save money. Too many times, an accident victim reduced full coverage and discovered at claim time that the small savings ended up costing them much more. Your goal is to buy a smart amount of coverage at the best cost, but don’t skip important coverages to save money.

A few companies may not offer price quotes online and usually these regional carriers work with independent insurance agents. Discount 2014 Ford Fusion Hybrid insurance is attainable online in addition to many insurance agents, and you should compare price quotes from both to have the best selection.

Much more information about insurance is available below:

• Auto Insurance Basics (Insurance Information Insitute)
• How Much is Car Insurance for a Ford Fusion in Virginia Beach? (VBInsure.com)
• Who Has the Cheapest Car Insurance for a Ford Fusion in Bakersfield? (BakersfieldInsure.com)
• How Much is Cleveland Car Insurance for a Ford Fusion? (ClevelandCoverage.com)
• Side Impact Crash Tests (iihs.org)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Collision Insurance Coverage (Nationwide)
• Rental Reimbursement Coverage (Allstate)