Cheaper 2016 Ford Fusion Hybrid Insurance Rates

Trying to find the cheapest auto insurance rates for your Ford Fusion Hybrid? Are you tired of not being able to afford to insure your Ford every month? Your situation is no different than millions of other vehicle owners. Vehicle owners have multiple car insurance companies to insure vehicles with, and although it’s nice to have multiple companies, having more insurers makes it harder to compare rates and find the lowest cost auto insurance.

The Ford Fusion Hybrid insurance cost equation

Multiple criteria are used in the calculation when you quote your car insurance policy. A few of the factors are predictable such as your driving history, but others are not as apparent such as whether you are married and annual miles driven.

The itemized list below are some of the most common factors used by your company to calculate your rate level.

  • Policy add-ons may not be needed – Insurance policies have a lot of optional add-on coverages you can purchase on your Fusion Hybrid policy. Add-on coverages like rental car coverage, towing coverage, and term life insurance may be wasting your money. They may seem good when discussing your needs, but now you might not need them so eliminate them to save money.
  • Better premiums for being claim-free – Auto insurance companies award the best rates to policyholders who do not file claims often. If you are a frequent claim filer, you can definitely plan on higher premiums or even policy non-renewal. Your car insurance is meant to be used in the event of claims that pose a financial burden.
  • Occupation stress can make you pay more – Occupations such as real estate brokers, social workers and medical professionals usually pay the highest average rates due to intense work-related stress and extremely grueling work hours. Other careers such as farmers, engineers and performers generally pay rates lower than average on Fusion Hybrid coverage.
  • Where you live factors in – Residing in areas with lower population has definite advantages when talking about insurance. Less people living in that area means fewer accidents. People who live in big cities have more traffic problems and a longer drive to work. The longer drive time can result in more accidents.
  • Youthful drivers cost more – More mature drivers are proven to be safer behind the wheel, cause fewer claims and accidents .Youthful drivers have been known to be easily distracted in a vehicle so they pay higher insurance rates.
  • How much liability insurance – Liability insurance will protect you in the event that a jury decides you are liable for causing damage or personal injury in an accident. Your liability coverage provides legal defense to attempt to prove you were not liable. Liability insurance is quite affordable when compared with rates for comp and collision, so do not skimp.
  • The higher your credit score the lower your rates – Having a bad credit score is a large factor in calculating your insurance rates. Consumers who have excellent credit scores tend to file fewer claims and have better driving records than drivers who have worse credit. Therefore, if your credit history is not that good, you may save money insuring your 2016 Ford Fusion Hybrid by taking the time to improve your credit score.
  • What are your deductibles? – Protection for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your Ford. Examples of covered claims are running into the backend of another car, flood damage, or theft. Physical damage deductibles state the amount of money you are willing to pay if the claim is covered. The higher the amount you’re willing to pay, the less money you will pay for insurance on Fusion Hybrid coverage.

Where can I get the cheapest insurance coverage?

Comparing insurance coverage rates is a ton of work if you aren’t aware of the best way to get rate quotes. You can spend countless hours talking about coverages with local insurance agents in your area, or you could save time and use online quotes to maximize your effort.

Many companies are enrolled in a marketplace where insurance shoppers only type in their quote data once, and every company can provide price quotes. This system prevents you from having to do quote requests for each company you want a rate for.

To find out how much you can save on insurance coverage click here to start a free quote.

The only downside to pricing coverage this way is that consumers can’t choose which providers you will receive quotes from. If you would rather choose individual companies to compare prices, we have assembled a list of the cheapest insurance coverage companies in your area. Click to view list.

Compare rates however you want, just ensure you’re using apples-to-apples coverage data for every quote you compare. If you have different deductibles it’s impossible to make a fair comparison for your Ford Fusion Hybrid.

Well known brands might not be cheapest

Consumers constantly see and hear ads that promise big savings for switching by companies like GEICO, State Farm and Progressive. All the ads advertise the message that you can save if you change to their company.

But how can every company charge you less for car insurance? It’s all in how they say it.

All companies have specific criteria for the type of driver that makes them money. For example, a preferred risk might be described as over age 30, has never had a claim, and chooses high deductibles. Anybody that fits those parameters will most likely get cheap prices and will cut their rates if they switch.

Potential insureds who fall outside these criteria may be forced to pay higher premiums and ends up with the customer buying from someone else. If you listen to the ad wording, they say “customers who switch” but not “everyone who gets a quote” will save that much if they switch. That’s the way companies can make it sound like they have such great car insurance rates.

That is why drivers should get price quotes at each policy renewal. It’s just not possible to know the company that will provide the lowest rates.

Get lower rates with these discounts

Some companies do not list the entire discount list very clearly, so below is a list some of the more common and the harder-to-find credits available to bring down your rates.

  • Distant College Student Discount – Any of your kids who live away from home to go to college and don’t have a car can receive lower rates.
  • Pay Upfront and Save – By paying your entire bill at once instead of making monthly payments you can avoid monthly service charges.
  • Policy Bundle Discount – If you can combine your home and auto policy and insure them with the same company you could save over 10 percent off each policy depending on the company.
  • Anti-theft System – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and can earn a small discount on your policy.
  • ABS and Traction Control Discounts – Cars and trucks with ABS braking systems or traction control can stop better under adverse conditions and qualify for as much as a 10% discount.
  • Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to take driver’s ed class in high school.
  • Good Students Pay Less – This discount can save 20 to 25%. The discount lasts until age 25.
  • Claim-Free Discount – Insureds with no claims or accidents get the best auto insurance rates in comparison with insureds who have frequent claims or accidents.

We need to note that most discounts do not apply to the entire cost. Some only reduce the price of certain insurance coverages like comprehensive or collision. If you do the math and it seems like you would end up receiving a 100% discount, it doesn’t quite work that way.

Car insurance companies that may offer these benefits include:

If you need lower rates, check with each company which discounts you may be entitled to. Discounts may not apply to policies in every state. If you would like to see a list of auto insurance companies offering auto insurance discounts, click here.

Insurance can be complex

When it comes to buying the best insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. For example, these questions can aid in determining if your situation will benefit from professional help.

  • What is roadside assistance coverage?
  • Does my 2016 Ford Fusion Hybrid qualify for pleasure use?
  • Is my dog or cat covered if injured in an accident?
  • Is business equipment covered while in my vehicle?
  • Does insurance cover tools stolen from my truck?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Can I afford low physical damage deductibles?
  • Is a new car covered when I drive it off the dealer lot?
  • Which is better, split liability limits or combined limits?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier It only takes a few minutes and may give you better protection.

Car insurance coverage information

Learning about specific coverages of your car insurance policy helps when choosing which coverages you need and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy. Shown next are the normal coverages available from car insurance companies.

Collision insurance

Collision insurance will pay to fix damage to your Fusion Hybrid from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as colliding with another moving vehicle, scraping a guard rail, damaging your car on a curb and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive coverage

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like vandalism, damage from getting keyed and hitting a deer. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for bills like dental work, rehabilitation expenses, EMT expenses and chiropractic care. They are used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. They cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Liability auto insurance

This can cover damages or injuries you inflict on a person or their property in an accident. It protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Some companies may use a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against claims such as funeral expenses, medical expenses and court costs. How much liability should you purchase? That is up to you, but buy as large an amount as possible.

You can do this!

Budget-friendly insurance can be bought from both online companies in addition to many insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some companies may not offer online quoting and these regional insurance providers sell through independent insurance agents.

When shopping online for insurance, it’s very important that you do not reduce needed coverages to save money. In many instances, an insured dropped liability coverage limits only to find out that it was a big mistake. Your objective should be to buy the best coverage you can find at the best possible price but still have enough coverage for asset protection.

Additional information

Comments About 2016 Ford Fusion Hybrid Insurance

  1. Ivey Patterson

    From northwest of Kailua, Hawaii. Got car insurance prices from GEICO, American Family, Encompass, and The General for my Fusion Hybrid and I think I cut my rates about $30 each month. Have an at-fault accident tho. They offer free online rate quotes.

  2. Florentino Dillard

    It’s all a rip off. Live in the northern part of Boise, ID. Went online for free insurance quotes for a 2016 Ford Fusion Hybrid. Ended up at about $470 savings annually. Went with State Farm. Was with USAA. Might find lower rates online.

  3. Marisol Whitley

    Any claims experience with GEICO in Indianapolis, Indiana?

  4. Zora Fitzpatrick

    Lots of useful info here. Lifelong resident of Lexington, KY. I got free prices from State Farm, Liberty Mutual, and Esurance for my Ford and I think I am saving around $30 each month. Insured with Travelers before.

  5. Carla Marks

    I live on the south side of Cincinnati, Ohio, and 21st Century rates were best. I have a couple other vehicles on the policy. Might find lower rates online.

  6. Kendall Berry

    Liked the article. Lifelong resident of Louisville, Kentucky. Quoted with Allstate, American Family, and some I forget for my Fusion Hybrid and saved just over $200 a year. It never hurts to quote around.

  7. Mack Hebert

    If you have a good history and are close to Worcester, MA, check out 21st Century. You might save some money. Was with The General.

  8. Dwayne Fischer

    Thought I’d throw in my experience. Lifelong resident of Kailua, HI. Received prices from 21st Century, Amica, and some I forget for my 2016 Ford Fusion Hybrid and saved $552 a year. Insured with Travelers before.

  9. Marshall Zimmerman

    I live on the north side of Billings, Montana. I quoted with Allstate, Esurance, and The General for my Ford and saved $479 a year.

  10. Debbra Ferrell

    Liked the article. Quoted with State Farm for my Ford and cut my rates about $290 a year.

  11. Pamula Kline

    Good detail in your article. I live in Idaho Falls, ID. Quoted prices online for a 2016 Ford Fusion Hybrid. Ended up at about $270 savings annually. Went with GEICO. Insured with Esurance before. It never hurts to quote around.

  12. Velia Stout

    This is too expensive. From Jacksonville, Florida. I got free quotes from Auto-Owners, Sentry, and Travelers for my Ford and saved around $110 a year. Have an at-fault accident tho. :P