2010 Ford Fusion Insurance Rates – 9 Tips to Save

I can’t think of anyone who looks forward to paying for auto insurance, especially knowing the cost is way too high. Because there are so many choices of insurance companies, it can be challenging to choose the best company.

Locating cheaper insurance coverage coverage is simple if you know the tricks. If you are insured now or are just looking to switch companies, you can use these tips to get lower rates and still get good coverage. Vehicle owners only need to know the most effective way to shop their coverage around on the web.

Don’t miss out on these nine money-saving discounts

Insuring your fleet can be pricey, but there are discounts available to help bring down the price. Certain discounts will be triggered automatically when you get a quote, but a few need to be asked for before you get the savings. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.

  • Discounts for Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less on Fusion coverage than drivers with accident claims.
  • Early Signing – A few companies offer discounts for buying a policy before your current policy expires. This can save 10% or more.
  • Defensive Driver – Successfully completing a driver safety course could possibly earn you a 5% discount if you qualify.
  • No Claims – Drivers with accident-free driving histories pay much less when compared with bad drivers.
  • Driver’s Ed – Have your child complete a driver education course in school.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to buckle their seat belts can save 10% or more off the personal injury premium cost.
  • Payment Discounts – If paying your policy premium upfront instead of paying each month you can actually save on your bill.
  • Multi-car Discount – Buying insurance for more than one vehicle with the same company can get a discount on all vehicles.
  • Government Employees – Active or retired federal employment may qualify you for a discount on Fusion coverage with certain companies.

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. So despite the fact that it appears you can get free auto insurance, it just doesn’t work that way. Any amount of discount will reduce the cost of coverage.

A partial list of companies who might offer these money-saving discounts may include but are not limited to:

It’s a good idea to ask each insurance company how you can save money. Discounts may not apply in every state.

Can switching companies really save?

Consumers can’t ignore all the ads that promise big savings from companies such as Allstate, Geico and Progressive. All the ads say the same thing of big savings after switching your policy.

How do they all make the same claim?

All companies are able to cherry pick for the driver that earns them a profit. A good example of a preferred risk might be profiled as over the age of 50, has no driving citations, and has a short commute. A customer getting a price quote who fits that profile receives the best rates and is almost guaranteed to save when switching.

Drivers who are not a match for the “perfect” profile must pay more money and this can result in the customer not buying. The ads say “people who switch” not “everybody who quotes” save that much money. That’s the way insurance companies can advertise the savings.

This illustrates why drivers must get as many comparisons as possible. It’s not possible to predict which auto insurance company will fit your personal profile best.

Do I need special coverages?

When it comes to buying adequate coverage, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that Here are some questions about coverages that might point out whether or not you could use an agent’s help.

  • How do I insure my teen driver?
  • How much liability insurance is required?
  • How high should my medical payments coverage be?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Which is better, split liability limits or combined limits?
  • Am I covered when driving someone else’s vehicle?
  • Will filing a claim cost me more?
  • I have health insurance so do I need medical payments coverage?

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, simply complete this short form or click here for a list of insurance coverage companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

The coverage is in the details

Having a good grasp of your policy can help you determine appropriate coverage and the correct deductibles and limits. Insurance terms can be ambiguous and coverage can change by endorsement. These are typical coverage types found on the average insurance policy.

Coverage for collisions

This coverage covers damage to your Fusion from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as hitting a mailbox, hitting a parking meter and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also choose a higher deductible to bring the cost down.

Coverage for medical payments

Med pay and PIP coverage provide coverage for bills for doctor visits, X-ray expenses, funeral costs, surgery and ambulance fees. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. Coverage applies to both the driver and occupants and also covers if you are hit as a while walking down the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Liability auto insurance

This can cover damages or injuries you inflict on a person or their property. Liability coverage has 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 liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things such as loss of income, medical services, attorney fees, legal defense fees and structural damage. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as much as you can afford.

Uninsured and underinsured coverage

This protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Ford Fusion.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive coverages

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like vandalism, theft, hitting a bird and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

At the end of the day…

When shopping online for insurance, make sure you don’t buy lower coverage limits just to save a few bucks. In many cases, an accident victim reduced liability coverage limits to discover at claim time that it was a big mistake. The ultimate goal is to get the best coverage possible at an affordable rate, not the least amount of coverage.

In this article, we covered some good ideas how you can get a better price on 2010 Ford Fusion insurance. The key concept to understand is the more quotes you get, the better your chances of lowering your rates. You may even discover the best prices are with a smaller regional carrier. Regional companies often have lower prices on specific markets than their larger competitors like State Farm, Geico and Nationwide.

Much more information about insurance can be found at these links: