Save on 2008 Ford Fusion Insurance Cost

Drivers have a choice when trying to find the lowest priced Ford Fusion insurance. You can either spend your time driving around to compare prices or use the internet to compare rates. There are more efficient ways to compare insurance rates and you need to know the absolute fastest way to compare rates on a Ford and find the lowest possible price from both online companies and local agents.

How to reduce Ford Fusion insurance rates

Companies offering auto insurance don’t always publicize all their discounts very clearly, so here is a list both the well known and also the lesser-known savings tricks you should be using. If you’re not getting every credit you qualify for, you are throwing money away.

  • Payment Method – By paying your policy upfront instead of making monthly payments you could save 5% or more.
  • Anti-theft System – Vehicles with anti-theft systems are stolen less frequently and will save you 10% or more.
  • Defensive Driver – Completing a course teaching defensive driving skills could save 5% or more depending on where you live.
  • Employee of Federal Government – Being employed by or retired from a federal job may qualify you for a discount on Fusion coverage depending on your company.
  • Student in College – Children living away from home attending college and do not have access to a covered vehicle can be insured at a reduced rate.
  • Safe Driver Discount – Drivers who don’t get into accidents may save up to 50% more on Fusion coverage than drivers with accident claims.

A little note about advertised discounts, some of the credits will not apply to the entire policy premium. Some only reduce individual premiums such as medical payments or collision. So even though they make it sound like all those discounts means the company will pay you, it just doesn’t work that way.

To see a list of insurers with the best insurance discounts, follow this link.

Ford Fusion rates are in the details

It’s important that you understand some of the elements that go into determining your insurance coverage rates. Understanding what impacts premium levels enables informed choices that may reward you with big savings.

Listed below are a partial list of the pieces insurance coverage companies consider when setting rates.

  • Men pay higher rates – The statistics show that women are safer drivers than men. That doesn’t necessarily mean that men are worse drivers. Men and women cause accidents in similar percentages, but the males cause more damage. They also have more aggressive citations like DUI and reckless driving. Male drivers age 16 to 19 are several times more likely to be in an accident and are penalized with high insurance coverage rates.
  • Policy add-ons can waste money – There are quite a few additional coverages that you can get tricked into buying when buying insurance coverage. Coverages for personal injury protection, accidental death and motor club memberships are examples of these. These may sound like a good investment initially, but if you don’t need them eliminate them to save money.
  • Special features that cut premiums – Owning a car that has an advanced theft prevention system can help bring down rates. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent car theft.
  • Low deductibles can be expensive – Coverage for physical damage, otherwise known as comp (or other than collision) and collision, protects your Ford from damage. Some instances where coverage would apply could be running into the backend of another car, collision with an animal, and windstorm damage. The deductibles are the amount of money you are required to spend out-of-pocket if you file a covered claim. The more expense you are required to pay out-of-pocket, the less your insurance coverage will be on Fusion coverage.

Tailor your coverage to you

When it comes to buying the right insurance coverage, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help you determine if you would benefit from an agent’s advice.

  • How high should deductibles be on a 2008 Ford Fusion?
  • Is my ex-spouse still covered by my policy?
  • Should I bundle my homeowners policy with my auto?
  • Am I covered when delivering products for my home-based business?
  • Should I buy full coverage?
  • Am I covered when driving a rental car?

If you can’t answer these questions, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and you can get the answers you need.

The auto insurance bait and switch

Consumers can’t ignore all the ads for the lowest price auto insurance from companies such as Progressive, Geico, Allstate and State Farm. All the ads make the same claim that you can save if you change your policy.

But how can every company claim to save you money?

Different companies have a certain “appetite” for the type of driver they prefer to insure. An example of a driver they prefer could possibly be between the ages of 30 and 50, has no driving citations, and has a short commute. A customer that hits that “sweet spot” will qualify for the lowest rates and most likely will save when switching.

Drivers who don’t meet the “perfect” profile will have to pay a higher premium which usually ends up with business going elsewhere. The ads say “customers who switch” not “everybody who quotes” save that much. That’s the way companies can truthfully advertise the way they do. Because of the profiling, drivers must get quotes from several different companies. It is impossible to predict which insurance companies will have the lowest Ford Fusion insurance rates.

Auto insurance coverage information

Knowing the specifics of insurance helps when choosing the best coverages for your vehicles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Liability insurance – This coverage protects you from damage that occurs to a person or their property in an accident. It protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for things like repair costs for stationary objects, emergency aid, structural damage, court costs and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive insurance – This coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like vandalism, damage from flooding, falling objects and theft. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like doctor visits, rehabilitation expenses, ambulance fees, X-ray expenses and surgery. They are often used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Collision coverages – This will pay to fix damage to your Fusion from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as driving through your garage door, crashing into a ditch and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Ford Fusion.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Don’t throw your cash in the trash

You just read some good ideas how you can shop for 2008 Ford Fusion insurance online. The key thing to remember is the more rate comparisons you have, the better likelihood of reducing your rate. Consumers could even find that the best prices are with a small mutual company.

Low-cost insurance is attainable on the web as well as from independent agents, and you need to price shop both to have the best selection. Some insurance providers don’t offer online price quotes and most of the time these small, regional companies sell through independent agents.

As you prepare to switch companies, do not skimp on critical coverages to save a buck or two. In too many instances, an insured dropped physical damage coverage only to find out that the savings was not a smart move. Your aim should be to find the BEST coverage at the best price, not the least amount of coverage.

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