Lower Your 2016 Ford Fusion Car Insurance Cost

Searching for lower insurance rates for your Ford Fusion? Did you come to the realization that you have an underperforming, overpriced insurance policy? It’s quite common and there are lots of residents who feel the same.

Lots of car insurance companies contend for your hard-earned dollar, and because of this it can be hard to compare auto insurance companies to discover the definitive best rate

It’s a good idea to compare prices every six months since insurance prices change regularly. Even if you got the lowest rates for Fusion coverage a couple years back a different company probably has better rate quotes today. Ignore everything you know about insurance because you’re going to learn the fastest way to find lower rates on insurance.

If you currently have car insurance, you stand a good chance to be able to save some money using these methods. Finding the best rates is easy if you know what you’re doing. Nevertheless, consumers must comprehend the way companies price online insurance and use this information to your advantage.

Low cost car insurance quotes online

Comparing car insurance rates can take time and effort if you don’t know the easiest way. You can spend your afternoon talking to local insurance agents in your area, or you can stay home and use online quotes to maximize your effort.

The majority of car insurance companies enroll in a system that enables customers to complete one form, and at least one company returns a competitive quote based on that information. This eliminates the need for repetitive form submissions to each company.

To compare pricing click here to open in new window.

The only drawback to getting quotes like this is you don’t know exactly the companies to receive prices from. If you wish to select individual companies to request quotes from, we have a listing of low cost car insurance companies in your area. Click here to view list.

It’s your choice how you get your quotes, but be certain you are entering nearly identical coverages for each price quote. If you use different liability limits it’s impossible to make a fair comparison for your Ford Fusion. Just slight variations in insurance coverages or limits can make a big difference in price. And when price shopping your coverage, comparing a wide range of rates gives you a better chance of getting better pricing.

Car insurance rates and discounts

Insurance can cost an arm and a leg, but you might find some hidden discounts that you may not even be aware of. Certain discounts will be triggered automatically when you quote, but occassionally some discounts must be asked about before you get the savings.

  • More Vehicles More Savings – Buying a policy with multiple cars on a single policy qualifies for this discount.
  • Federal Employees – Active or former government employment may qualify for a discount when you quote insurance for Fusion coverage but check with your company.
  • Passive Restraints – Cars that have air bags can get savings of more than 20%.
  • Memberships – Participating in a qualifying organization may earn a discount on your policy.
  • Driver Safety – Participating in a course in safe driver could possibly earn you a 5% discount if you qualify.
  • Accident-Free Discounts – Drivers who stay claim-free can save substantially when compared to frequent claim filers.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to take driver’s ed class if it’s offered in school.

Keep in mind that some of the credits will not apply to your bottom line cost. A few only apply to individual premiums such as liability, collision or medical payments. Even though it may seem like it’s possible to get free car insurance, you aren’t that lucky.

The best car insurance companies and their offered discounts are outlined below.

  • Travelers includes discounts for multi-car, new car, multi-policy, IntelliDrive, and good student.
  • 21st Century offers premium reductions for student driver, anti-lock brakes, homeowners, automatic seat belts, good student, early bird, and teen driver.
  • State Farm may include discounts for anti-theft, good driver, defensive driving training, Steer Clear safe driver discount, passive restraint, and multiple policy.
  • GEICO may have discounts that include daytime running lights, good student, multi-policy, five-year accident-free, anti-lock brakes, and air bags.
  • SAFECO may offer discounts for teen safety rewards, anti-lock brakes, anti-theft, accident prevention training, and safe driver.
  • AAA discounts include education and occupation, good student, pay-in-full, AAA membership discount, and multi-car.

When getting a coverage quote, ask each company to give you their best rates. Savings might not be available to policyholders in your area. If you would like to see a list of companies offering car insurance discounts, follow this link.

Situations that may require an agent’s advice

When it comes to buying the right insurance coverage, there really is not a cookie cutter policy. Every situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that could help you determine whether or not you will benefit from professional help.

  • Where can I get insurance after a DUI in my state?
  • Should I rate my 2016 Ford Fusion as pleasure use or commute?
  • Does my policy cover me when driving someone else’s vehicle?
  • Do I pay less if my vehicle is kept in my garage?
  • Do I need special endorsements for business use of my vehicle?
  • What is PIP insurance?
  • Why is insurance for a teen driver so high?
  • Do I have coverage for damage caused while driving under the influence?
  • How high should my uninsured/underinsured coverage be in my state?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Insurance coverage considerations

Having a good grasp of your policy aids in choosing which coverages you need for your vehicles. Policy terminology can be difficult to understand and reading a policy is terribly boring. These are typical coverages found on the average insurance policy.

Liability coverage

Liability coverage provides protection from damages or injuries you inflict on other’s property or people by causing an accident. This coverage protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for claims such as structural damage, emergency aid, medical expenses, repair costs for stationary objects and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverage

This pays for damage to your Fusion resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as hitting a mailbox, driving through your garage door, sustaining damage from a pot hole and crashing into a ditch. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Most of the time these coverages are identical to your policy’s liability coverage.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for immediate expenses for surgery, rehabilitation expenses, prosthetic devices and funeral costs. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover both the driver and occupants as well as being hit by a car walking across the street. PIP is only offered in select states and may carry a deductible

Comprehensive insurance

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like damage from getting keyed, a broken windshield, hail damage, falling objects and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Comments About 2016 Ford Fusion Insurance

  1. Sherril Dorsey

    Thanks for putting this site together. From north side of Anchorage, AK. Quoted with Nationwide, Farmers, State Farm, and AAA for my Ford and saved just over $180 a year. Bought it from an online quote.

  2. Kristen Castro

    I’ve bought from Progressive forever. Cheapest rates in Huntington, West Virginia.

  3. Lupe Townsend

    Too expensive. I ride a bike.

  4. Beatrice Barrett

    Located in Wichita, KS. Don’t remember every company but I ended up saving about $60 each month. Highly recommended.

  5. Lakeshia Gregory

    I live in Juneau, AK. Can’t remember who all I quoted but I ended up saving about $60 each month. Insured with Western Auto Insurance before. I get a discount for insuring multiple vehicles. I just quoted rates online.

  6. Hilario Kaufman

    If you don’t have tickets and live in the vicinity of Milwaukee, Wisconsin, check out Allstate. I saved quite a bit. Thankfully I’m not a high risk driver. Not sure if rates are cheaper online or through an agent.

  7. Cassie Gould

    If you’re a decent driver and are close to Wichita, Kansas, check out GEICO. They seem to be cheaper. Was with Esurance.

  8. Latonya Prince

    Will Allstate do a SR22 in Jackson, MS?

  9. Tandra Ford

    Here’s my info. I live in San Antonio, Texas. Compared rates from a lot of places. Saved right around $30 a month. Progressive was the best choice for me. I quoted rates online then called them.

  10. Avelina Alvarado

    Does GEICO use ACV or replacement cost?

  11. Tora Riggs

    In Warren, MI, State Farm auto insurance rates for my 2016 Ford Fusion were good. Left State Farm to switch.

  12. Gala Rhodes

    I’m in New York City, New York, and GEICO rates were affordable. I’m a pretty low risk driver.

  13. Kai Henson

    In Cranston, Rhode Island, State Farm is a good choice. I get lower rates because of my clean driving record. It’s still not cheap enough.