2015 Ford Fusion Hybrid Car Insurance Rates – 5 Discounts for Best Quotes

Trying to find lower car insurance rates for your Ford Fusion Hybrid? If you’re looking for more affordable insurance on the web, are you intimidated by the crazy number of car insurance choices available to you? You’re not alone. consumers have so many choices to choose from that it can really be a real challenge to locate the lowest prices.

You should make it a habit to take a look at other company’s rates at least once a year because insurance rates tend to go up over time. Just because you had the lowest rate for Fusion Hybrid coverage at your last renewal you can probably find a better price now. Forget anything you know (or think you know) about car insurance because it’s time to teach you the easiest way to find lower rates on car insurance.

Find hidden discounts to get affordable car insurance quotes

Some companies don’t list their entire list of discounts very clearly, so we researched some of the more common and also the lesser-known discounts that you may qualify for.

  • Use Seat Belts – Forcing all vehicle occupants to buckle up before driving could save 15% off the medical payments premium.
  • Payment Method – If you can afford to pay the entire bill as opposed to paying monthly you may reduce your total bill.
  • Military Discounts – Having a family member in the military could trigger a small discount.
  • E-sign Discounts</strong – A handful of car insurance companies may give you up to $50 just for signing your application on the internet.
  • Responsible Driver Discount – Accident-free drivers can save up to 40% or more on their insurance quote for Fusion Hybrid coverage than drivers with accidents.

Drivers should understand that many deductions do not apply to the entire policy premium. The majority will only reduce individual premiums such as medical payments or collision. So even though it sounds like you can get free auto insurance, company stockholders wouldn’t be very happy.

To see a list of companies who offer car insurance discounts, follow this link.

Tailor your insurance coverage to you

When choosing coverage, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For instance, these questions may help you determine if your situation may require specific advice.

  • Does my liability insurance cover pulling a trailer or camper?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Am I covered if I wreck a rental car?
  • Which is better, split liability limits or combined limits?
  • Is rental equipment covered for theft or damage?
  • Does my insurance cover a custom paint job?

If you can’t answer these questions, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form.

Auto insurance 101

Understanding the coverages of a car insurance policy can be of help when determining the right coverages and proper limits and deductibles. Policy terminology can be confusing and reading a policy is terribly boring.

UM/UIM Coverage – This protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Ford Fusion Hybrid.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for prosthetic devices, hospital visits, ambulance fees and X-ray expenses. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Liability – This coverage will cover damage or injury you incur to other people or property. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for things like medical expenses, bail bonds, attorney fees, loss of income and pain and suffering. How much liability coverage do you need? That is your choice, but you should buy as large an amount as possible.

Collision coverages – This coverage pays for damage to your Fusion Hybrid from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as colliding with another moving vehicle, hitting a mailbox and hitting a parking meter. This coverage can be expensive, so consider removing coverage from vehicles that are older. It’s also possible to raise the deductible to save money on collision insurance.

Comprehensive or Other Than Collision – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like hail damage, falling objects, hitting a deer and a broken windshield. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Cheaper insurance is a realistic goal

People switch companies for a variety of reasons including an unsatisfactory settlement offer, high rates after DUI convictions, lack of trust in their agent or even policy cancellation. No matter why you want to switch, switching companies can be easy and end up saving you some money.

Cheaper 2015 Ford Fusion Hybrid insurance can be sourced online in addition to many insurance agents, so get free insurance quotes from both of them to have the best rate selection. There are still a few companies who may not provide price quotes online and these smaller providers only sell through local independent agents.

As you go through the steps to switch your coverage, make sure you don’t sacrifice coverage to reduce premiums. In many instances, an insured dropped collision coverage to discover at claim time that the small savings ended up costing them much more. Your focus should be to get the best coverage possible for the lowest price, but do not sacrifice coverage to save money.

Additional detailed information is available at these sites:

Comments About 2015 Ford Fusion Hybrid Insurance

  1. Salvador Puckett

    It’s all a rip off. I live in Fort Smith, AR. I quoted with State Farm, AAA, and some I forget for my Fusion Hybrid and I think I saved around $60 each month. It never hurts to quote around.

  2. Ula Page

    Not sure what I should be paying. I’m in the south part of San Jose, CA. Quoted a bunch of companies. Saved right around $60 a month. Progressive was the cheapest option for me.

  3. Sharilyn Hess

    If you have a good history and live around Paterson, NJ, check out Progressive. I saved quite a bit. I’m a pretty low risk driver.

  4. Irena Aguilar

    Anyone buy from AAA? I’m in Las Vegas, NV.

  5. Viva Petty

    Anyone understand their policy?

  6. Cordie Pearson

    I think I’m paying too much. I live on the east side of New Orleans, LA. Got quotes from AAA, Safeco, and some smaller one I can’t remember the name of for my 2015 Ford Fusion Hybrid and saved $445 a year.

  7. Nam Crane

    Will GEICO raise rates if I file a claim?

  8. Simona Sandoval

    Not sure what I should be paying. Found cheapest coverage with USAA for my 2015 Ford Fusion Hybrid and am saving around $130 a year. Left AAA to switch. Highly recommended.

  9. Cyril Landry

    I’m from Owensboro, KY and for me Allstate had the lowest quote. Insured with Amica before. Online quotes are the way to go.

  10. Cristie Garrett

    I’m in Tucson, Arizona. Quoted quotes from AIG Insurance, Sentry, and a few others for my Ford and saved $165 a year. BTW speeding tickets are not good. Did it all online.

  11. Collette Gardner

    Cheapest quote for my 2015 Ford Fusion Hybrid was with Encompass. Was with Liberty Mutual.

  12. Vikki Osborn

    Are State Farm or State Farm rates cheaper in New Hampshire?

  13. Sharika Dawson

    Just a quick comment on my experience. From north side of Gulfport, MS. Don’t remember every company but I ended up saving about $70 each month. Insured with USAA before. It never hurts to quote around.

  14. Janessa Mcmillan

    I got quite a few price quotes for a 2015 Ford Fusion Hybrid in Fairbanks, AK. Ended up at darn near $310 every six months with Auto-Owners. BTW speeding tickets are not good.

  15. Krystal Heath

    I found pretty cheap rate quotes for a 2015 Ford Fusion Hybrid in Augusta, Georgia. Ended up at right around $570 every six months with American Family. Switched homeowners coverage too.

  16. Donn Greer

    Will Allstate raise rates if I file a claim?