Cheap 2014 Ford Fusion Car Insurance Quotes

No one in their right mind gets a kick out of paying for car insurance, especially when they are aware that they are paying too much. Many insurance companies compete to insure your vehicles, and because of this it can be hard to compare car insurance companies to get the cheapest price

Discount auto insurance rates

Insuring your vehicles can cost a lot, but there may be some discounts that may help make it more affordable. A few discounts will automatically apply when you quote, but a few must be requested specifically before they will apply.

  • Include Life Insurance and Save – Select companies reward you with lower rates if you buy a life policy as well.
  • Service Members Pay Less – Being deployed in the military may qualify for rate reductions.
  • Defensive Driver Discount – Taking time to complete a defensive driver course could earn you a small percentage discount and easily recoup the cost of the course.
  • Good Driver Discounts – Drivers who avoid accidents could pay up to 40% less for Fusion insurance than drivers with accident claims.
  • Accident Free – Good drivers with no accidents can save substantially when compared to accident-prone drivers.
  • Seat Belts Save – Drivers who require all vehicle occupants to buckle their seat belts can save 10% or more off the medical payments premium.
  • Multi-car Discount – Buying insurance for several vehicles with the same auto insurance company can get a discount for every vehicle.
  • Multiple Policy Discount – When you combine your homeowners and auto insurance and insure them both with the same insurance company you may save approximately 10% to 15%.
  • Low Mileage Discounts – Driving fewer miles may allow you to get cheaper premium rates.
  • Federal Government Employee – Simply working for the federal government could provide a small rate reduction for Fusion insurance with select insurance companies.

As a disclaimer on discounts, most credits do not apply to the entire cost. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So even though you would think you would end up receiving a 100% discount, it’s just not the way it works. But all discounts will reduce your policy premiums.

For a list of providers who offer free auto insurance quotes, follow this link.

Lower your insurance prices

Consumers need to have an understanding of some of the elements that aid in calculating the rates you pay for car insurance. If you have a feel for what influences your rates, this enables you to make decisions that will entitle you to lower rates.

  • Cut premiums and deter theft – Selecting a car model with anti-theft technology or alarm system can get you a discount on your car insurance. Theft deterrent systems such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all aid in stopping your vehicle from being stolen.
  • Cheaper rates with high comp and collision deductibles – Physical damage protection, also called ‘full coverage’, covers damage that occurs to your Ford. A few examples of covered claims would be a broken side mirror, damage from fire, and damage caused by flying debris. Your deductibles define the amount you are required to spend before your car insurance pays a claim. The more damage repair cost you’re willing to pay, the less your car insurance will be for Fusion insurance.
  • How your age affects prices – Teen drivers have a tendency to be inattentive and easily distracted when at the wheel of a vehicle so they pay higher car insurance rates. More experienced drivers are proven to be safer behind the wheel, statistically cause fewer accidents and get fewer tickets.
  • Accidents inflate prices – A bad driving record has a lot to do with how much you pay for insurance. Even one speeding ticket or other violation can boost insurance rates by as much as thirty percent. Attentive drivers receive lower rates than bad drivers. Drivers who have gotten severe violations such as DWI, reckless driving or hit and run convictions may face state-mandated requirements to file a SR-22 with the DMV in their state in order to legally drive a vehicle.
  • Liability insurance safeguards assets – The liability coverage on your policy is the protection when you are responsible for damages from an accident. Your liability coverage provides for a legal defense up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so buy as much as you can afford.
  • Decrease prices by maintaining coverage – Not having insurance is a big no-no and companies may charge more for letting your insurance lapse for non-payment. In addition to paying higher rates, the inability to provide proof of insurance may result in a fine, jail time, or a revoked license. You may have to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.
  • Getting married is a bonus – Having a significant other can get you a discount compared to being single. It may mean you are more stable financially and it’s statistically proven that married drivers get in fewer accidents.
  • Does your vocation raise your premiums? – Did you know your career choice can influence rates? Careers like fire fighters, social workers and stock brokers are shown to have higher premium rates in part from stressful work requirements and extremely grueling work hours. On the flip side, careers such as scientists, athletes and performers pay the least for Fusion insurance.

Tailor your auto insurance coverage to you

When it comes to buying coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different and your policy should reflect that. For example, these questions can aid in determining whether you might need professional guidance.

  • Am I covered when pulling a rental trailer?
  • How do I insure my teen driver?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Do I need special endorsements for business use of my vehicle?
  • What is medical payments coverage?
  • I have a DUI can I still get coverage?
  • Are all vehicle passengers covered by medical payments coverage?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Why do I need rental car insurance?
  • Does my liability insurance cover pulling a trailer or camper?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.

Tricks in insurance advertising

Consumers constantly see and hear ads for cheaper insurance from companies such as GEICO, State Farm and Progressive. They all have a common claim of big savings after switching to them.

But how can every company lower your prices? This is the way they can do it.

All companies have an ideal profile for the right customer that makes them money. One example of a preferred risk might have to be over the age of 45, owns a home, and the vehicle is rated for pleasure use. Anyone who meets those qualifications will get low rates and will also save a lot of money.

People who do not match this stringent profile will have to pay a higher rate and the customer not purchasing. The ad wording is “customers that switch” not “everyone that quotes” save that much. That’s the way companies can truthfully make those statements. This emphasizes why you should quote coverage with many companies. It’s just too difficult to predict the company that will have the lowest rates.

Insurance coverage options for a Ford Fusion

Understanding the coverages of your insurance policy helps when choosing appropriate coverage for your vehicles. Insurance terms can be difficult to understand and coverage can change by endorsement. Below you’ll find typical coverages offered by insurance companies.

Liability

Liability coverage will cover injuries or damage you cause to other’s property or people. It protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage pays for things like repair costs for stationary objects, legal defense fees, medical services, bail bonds and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but buy higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and also any damage incurred to your 2014 Ford Fusion.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like X-ray expenses, ambulance fees, rehabilitation expenses and prosthetic devices. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Collision protection

This covers damage to your Fusion resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like damaging your car on a curb, scraping a guard rail, crashing into a building, rolling your car and driving through your garage door. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also bump up the deductible in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like damage from getting keyed, rock chips in glass, damage from flooding and damage from a tornado or hurricane. The highest amount your insurance company will pay 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.

More choices the merrier

When you buy insurance coverage online, it’s a bad idea to buy less coverage just to save a little money. In too many instances, consumers will sacrifice collision coverage and learned later that they should have had better coverage. The goal is to buy enough coverage at a price you can afford but still have enough coverage for asset protection.

Some companies do not provide rates over the internet and most of the time these smaller companies prefer to sell through independent agents. The cheapest 2014 Ford Fusion insurance is available on the web as well as from independent agents, and you need to price shop both to have the best rate selection.

You just read some good ideas how you can reduce 2014 Ford Fusion insurance car insurance rates online. The key thing to remember is the more rate comparisons you have, the higher the chance of saving money. Consumers could even find that the lowest priced auto insurance comes from the smaller companies. Smaller companies often have lower premium rates on specific markets compared to the large companies like Allstate, GEICO and Progressive.

Additional information

Comments About 2014 Ford Fusion Insurance

  1. Irving Cortez

    My Fusion is faster than yours.

  2. Zetta Weiss

    I got decent rates for a 2014 Ford Fusion in Pittsburgh, PA. Ended up at about $400 every six months with Auto-Owners.

  3. Frances Keith

    It’s all a rip off. I live in Lewiston, Maine. Got free quotes online for a 2014 Ford Fusion. Ended up at about $250 savings annually. Went with State Farm. Left Hartford to switch. Online quotes are the way to go.

  4. Doris Underwood

    Great site. Lifelong resident of Concord, NH. Quoted rates from GMAC, AIG Insurance, MetLife, and a couple others for my Ford and saved $285 a year. Teenage drivers are expensive!

  5. Myriam Lang

    In Minneapolis, Minnesota, American Family had the best rates for my 2014 Ford Fusion. Hopefully won’t need it.

  6. Marjory Barrera

    I’m looking for cheaper coverage. I live just outside Columbia, SC. Got prices from State Farm, AIG Insurance, and some I forget for my Ford and saved around $280 a year. LOL

  7. Rosina Henderson

    I switched to 21st Century. Quoted good rates in Knoxville, TN. Insured with GMAC before. Got better coverage too. They were helpful in switching over.

  8. Mila Cannon

    If you’re a decent driver and live around Fort Wayne, IN, check out GEICO. I saved quite a bit. I recommend comparing lots of rates.

  9. Elaine Mclean

    Like your site, BTW. I’m in the east part of Nashua, NH. Quoted with Hartford, Amica, MetLife, and a couple others for my Fusion and saved just over $420 a year. Was with Western Auto Insurance. It never hurts to quote around.

  10. Terrie Shields

    Got a quote with Safeco for my Ford and cut my rates about $390 a year. Left American Family to switch. Can still barely afford it.

  11. Wilbert Noble

    Live in Nashville, Tennessee. Quoted prices from Hartford, American Family, Sentry, and a couple others for my 2014 Ford Fusion and saved just over $430 a year. Was with Travelers. Have an at-fault accident tho. I used their online quote form to compare rates.