Cheaper 2015 Ford Fusion Insurance Quotes

Drivers have many options when trying to find low-cost Ford Fusion insurance. They can either waste time contacting agents to compare prices or utilize the internet to get rate quotes. There are both good and bad ways to shop for insurance coverage and you need to know the quickest way to compare rates for a Ford and obtain the best price possible either online or from local insurance agents.

If you have a current auto insurance policy or are shopping for new coverage, you will benefit by learning to find the best rates while maximizing coverage. The purpose of this article is to instruct you on how car insurance quotes work and some money-saving tips. Drivers just need to know the most efficient way to compare price quotes online.

Compare car insurance price quotes

Getting a more affordable price on 2015 Ford Fusion insurance can be surprisingly simple. Consumers just need to take a couple of minutes getting comparison quotes to find the company with the cheapest auto insurance quotes. This can easily be done using a couple different methods.

1. Hands down the most simple method to get quotes would be an industry-wide quote request form click to view form in new window. This form prevents you from having to do a different quote for each company. Filling out one form gets you coverage quotes from car insurance companies with the best prices. It’s definitely the quickest method.
2. A different way to analyze rates consists of visiting each company website and request a quote. For sake of this example, let’s say you need rates from USAA, Geico and State Farm. You would have to navigate to each company’s site and repeatedly enter your information, which is why the first method is more popular.

   To view a list of companies in your area, click here.

3. If you have time to kill, the last way to get rate quotes is making phone calls or going to different agent offices. The ability to buy insurance online makes this process obsolete unless you require the professional assistance of a local agent. Although you can comparison shop online but buy from a local insurance agent.

Which method you use is up to you, but ensure you are comparing apples-to-apples coverages on every price quote you get. If the quotes have higher or lower deductibles it will be very difficult to get a fair rate comparison.

Don’t miss these discounts

Car insurance companies don’t always publicize all disounts very clearly, so the list below details some of the best known in addition to some of the lesser obvious credits available to bring down your rates.

• Claim Free – Insureds who avoid accidents and claims can save substantially when compared with insureds who have frequent claims or accidents.
• Policy Bundle Discount – When you combine your homeowners and auto insurance and insure them with the same company you could earn a discount of approximately 10% to 15%.
• Multi-line Discount – Select auto insurance companies reward you with a discount if you purchase some life insurance in addition to your auto policy.
• Good Student Discount – Performing well in school may save as much as 25% on a auto insurance quote. Most companies allow this discount up until you turn 25.
• Senior Citizen Rates – Drivers that qualify as senior citizens may be able to get a slight reduction on a auto insurance quote for Fusion coverage.
• Active Service Discounts – Being deployed with a military unit could be rewarded with lower premium rates.
• Renewal Discounts – Some auto insurance companies provide a discount for switching to them before your current coverage expires. Ten percent is about the average savings.
• Braking Control Discount – Cars that have steering control and anti-lock brakes prevent accidents so you can save 10 percent or more.

Consumers should know that some of the credits will not apply to all coverage premiums. Some only apply to the price of certain insurance coverages like collision or personal injury protection. If you do the math and it seems like all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

Larger auto insurance companies and a partial list of their discounts can be found below.

• Geico offers discounts for membership and employees, multi-policy, anti-lock brakes, military active duty, defensive driver, and air bags.
• USAA offers discounts including multi-vehicle, military installation, annual mileage, good student, new vehicle, vehicle storage, and family discount.
• Progressive includes discounts for good student, continuous coverage, online quote discount, multi-policy, multi-vehicle, homeowner, and online signing.
• American Family offers premium reductions for multi-vehicle, accident-free, bundled insurance, defensive driver, and good student.
• Esurance discounts include Pac-12 alumni, good driver, renters, good student, multi-car, and DriveSense.
• Farmers Insurance may have discounts that include homeowner, good student, distant student, electronic funds transfer, and teen driver.
• State Farm may offer discounts for anti-theft, student away at school, safe vehicle, accident-free, and good student.

When comparing rates, check with each company which discounts you qualify for. Depending on the company, some discounts may not be offered in your area. If you would like to view providers with discount rates, click this link.

Why you might pay lower rates

Lots of things are part of the calculation when you get your auto insurance bill. Some of the criteria are obvious such as traffic violations, but other factors are not as apparent such as your credit history or your commute time.

• Do men or women drive better? – The statistics show that women are safer drivers than men. The data does not necessarily mean that women are BETTER drivers than men. Both sexes are in accidents in similar percentages, but the men tend to have higher claims. Men also receive more major tickets such as reckless driving.
• Always have insurance coverage – Driving without insurance is illegal and as a result your rates will increase for letting your coverage lapse. And not only will your rates increase, being ticketed for driving with no insurance can result in a revoked license or a big fine. You may then have to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.
• Single drivers may have higher rates – Having a significant other actually saves money when shopping for insurance coverage. Having a significant other may mean you are more mature it has been statistically shown that being married results in fewer claims.
• Insurance coverage rates may be lower depending on your job – Careers such as real estate brokerspolice officers and emergency personnel have the highest rates attributed to job stress and long work hours. Conversely, occupations such as scientists, historians and performers pay lower than average rates for Fusion coverage.

Special considerations

When it comes to buying coverage, there really is no best way to insure your cars. Everyone’s situation is unique.

Here are some questions about coverages that could help you determine whether or not you might need an agent’s assistance.

• What if I don’t agree with a claim settlement offer?
• Am I covered if my car is in a flood?
• Am I covered when driving a rental car?
• When does my teenage driver need to be added to my policy?
• Do I pay less if my vehicle is kept in my garage?
• What should my uninsured motorist coverage limits be in my state?
• What happens if I owe more than my 2015 Ford Fusion is worth?
• Should I sign the liability waiver when renting a car?
• How much liability do I need to cover my assets?
• Is my ex-spouse still covered by my policy?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an insurance agent. If you don’t have a local agent, complete this form. It is quick, free and can provide invaluable advice.

Save $487 a year. For real?

Consumers can’t get away from all the ads that promise big savings from companies such as Geico, State Farm and Progressive. All the ads advertise claims that drivers will save a bundle if you move your insurance coverage to their company.

How does each company charge you a lower premium? It’s all in the numbers.

Insurance providers have an ideal profile for a prospective insured that will not have excessive claims. For example, a profitable customer could possibly be between 25 and 40, is a homeowner, and does not commute to work. Any driver that fits those parameters will get a cheap rate quote and most likely will save when they switch companies.

Potential customers who don’t measure up to this stringent profile will see a higher rate and the customer buying from someone else. The trick is to say “drivers that switch” not “everyone that quotes” save money. That is how insurance companies can confidently claim big savings. This really drives home the point why you really should get a wide range of price quotes. It is just not possible to predict which company will have the best prices at this point in time.

Auto insurance coverage basics

Knowing the specifics of auto insurance can be of help when determining the right coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Auto liability insurance

Liability insurance will cover damages or injuries you inflict on people or other property by causing an accident. It protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers things such as medical expenses, legal defense fees, pain and suffering and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but you should buy higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Ford Fusion.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is very important.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for expenses for doctor visits, funeral costs and ambulance fees. They are utilized in addition to your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and will also cover 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

Auto collision coverage

Collision coverage covers damage to your Fusion caused by collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things such as colliding with a tree, driving through your garage door, scraping a guard rail, rolling your car and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to increase the deductible in order to get cheaper collision rates.

Comprehensive auto coverage

This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as damage from flooding, rock chips in glass, damage from a tornado or hurricane, hail damage and vandalism. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Online plus local equals savings

Throughout this article, we presented quite a bit of information on how to lower your 2015 Ford Fusion insurance rates. The key concept to understand is the more rate comparisons you have, the better your comparison will be. You may even find the most savings is with a company that doesn’t do a lot of advertising.

Drivers who switch companies do it for a number of reasons such as questionable increases in premium, extreme rates for teen drivers, policy non-renewal or even delays in responding to claim requests. No matter why you want to switch, finding a new auto insurance company can be less work than you think.

When shopping online for auto insurance, make sure you don’t reduce needed coverages to save money. In many cases, consumers will sacrifice full coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to purchase a proper amount of coverage at the best cost while not skimping on critical coverages.

Other information

• State Car Insurance Guides (Geico)
• Who Has Cheap Auto Insurance for a Ford Fusion in Lexington? (InsureLexington.com)
• Red Light Cameras (State Farm)
• Speed and Speed Limit FAQ (iihs.org)
• Choosing a Car for Your Teen (State Farm)