2016 Ford Fusion Energi Car Insurance Rates – 6 Ideas for Best Quotes

Want cheaper insurance rates for your Ford Fusion Energi? I doubt anyone is fond of buying insurance, particularly when the cost is way too high. Due to the large number of companies and agents to choose from, it can be diffult for drivers to find the right company.

Take advantage of every auto insurance discount

Some insurers do not list all available discounts very clearly, so here is a list both well-publicized as well as the least known discounts that you may qualify for.

• Service Members Pay Less – Being deployed with a military unit may qualify for rate reductions.
• Multi-Vehicle Discounts – Drivers who insure multiple vehicles with the same company could earn a price break for each car.
• Federal Employees – Being employed by or retired from a federal job may qualify for a discount when you quote car insurance on Fusion Energi insurance with certain companies.
• Accident Forgiveness – This one is not really a discount per se, but certain companies will allow you to have one accident without raising rates so long as you haven’t had any claims prior to being involved in the accident.
• Senior Discount – Drivers over the age of 55 are able to get a small decrease in premiums on Fusion Energi insurance.
• Anti-lock Brake System – Vehicles with ABS and/or traction control can avoid accidents and will save you 10% or more.

Discounts save money, but please remember that most of the big mark downs will not be given to all coverage premiums. Most only cut individual premiums such as collision or personal injury protection. If you do the math and it seems like having all the discounts means you get insurance for free, auto insurance companies aren’t that generous. But any discount will definitely lower the amount you have to pay.

Car insurance companies who may offer many of the previously listed discounts may include but are not limited to:

• Progressive
• AAA
• Farmers Insurance
• Geico
• Esurance
• SAFECO
• State Farm

If you need lower rates, check with all companies you are considering to apply every possible discount. All car insurance discounts may not apply to policies everywhere. To see a list of auto insurance companies that provide some of the discounts listed above, click this link.

How to know if you need help

When it comes to choosing proper insurance coverage, there is no single plan that fits everyone. Each situation is unique and your policy should reflect that. For instance, these questions can help discover if your situation might need professional guidance.

• Are my tools covered if they get stolen from my vehicle?
• What if I owe more than I can insure my car for?
• Should I waive the damage coverage when renting a car?
• I don’t drive much so do I pay less?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Is my teen driver covered when they drive my company car?
• How can I get my company to pay me more for my totalled car?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It is quick, free and may give you better protection.

Insurance coverages explained

Learning about specific coverages of your insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Insurance terms can be difficult to understand and reading a policy is terribly boring. Shown next are the usual coverages available from insurance companies.

Collision insurance

This coverage covers damage to your Fusion Energi caused by collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things such as scraping a guard rail, hitting a mailbox, colliding with a tree, backing into a parked car and damaging your car on a curb. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. It’s also possible to bump up the deductible to bring the cost down.

Uninsured and underinsured coverage

This coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Comprehensive coverages

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as falling objects, damage from a tornado or hurricane, hitting a bird and hail damage. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for medical payments

Med pay and PIP coverage pay for short-term medical expenses such as ambulance fees, doctor visits and surgery. The coverages can be used in conjunction with a health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants as well as if you are hit as a while walking down the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Liability coverage

This protects you from damage or injury you incur to other’s property or people in an accident. This insurance protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things such as court costs, repair costs for stationary objects, emergency aid and bail bonds. How much coverage you buy is your choice, but it’s cheap coverage so purchase as much as you can afford.

Be a Smart Shopper

Throughout this article, we presented a lot of tips how to compare 2016 Ford Fusion Energi insurance car insurance rates online. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. Consumers may even find the lowest car insurance rates come from a small local company. They can often provide lower premium rates in certain areas compared to the large companies like Allstate or State Farm.

Discount 2016 Ford Fusion Energi insurance is possible from both online companies and from local agencies, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance companies may not have price quotes online and usually these regional carriers provide coverage only through independent insurance agents.

Other learning opportunities

• Understanding Your Insurance Deductible (Insurance Information Insitute)
• Who Has Cheap Auto Insurance for a Ford Fusion in Lexington? (InsureLexington.com)
• A Tree Fell on Your Car: Now What? (Allstate)
• Medical Payments Coverage (Liberty Mutual)
• Teen Driving Statistics (iihs.org)