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

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:

• Auto Theft Statistics (Insurance Information Insitute)
• Speed and Speed Limit FAQ (iihs.org)
• Red Light Cameras (State Farm)
• Can I Drive Legally without Insurance? (Insurance Information Insitute)