Lower Your 2016 Ford Fusion Insurance Quotes

Searching for the cheapest insurance rates for your Ford Fusion? Sick and tired of robbing Peter to pay Paul to buy car insurance? You are no different than many other drivers. Lots of car insurance companies contend to insure your vehicles, so it can be very hard to choose a insurance company to find the absolute lowest cost out there.

Consumers should take time to get comparison quotes quite often because rates are constantly changing. Even if you think you had the best price for Fusion coverage two years ago a different company probably has better rates today. Starting now, ignore everything you know about insurance because you’re going to get a crash course in the tricks you need to know to remove unneeded coverages and save money.

If you are insured now or are shopping for new coverage, you can use these tips to reduce the price you pay while maximizing coverage. Buying car insurance is not that difficult. Drivers only need an understanding of how to get comparison rates over the internet.

Why you might be paying too much to insure your Ford Fusion

An important part of buying insurance is that you know some of the elements that help determine car insurance rates. Understanding what controls the rates you pay enables informed choices that will entitle you to big savings.

The following are a few of the “ingredients” car insurance companies consider when setting prices.

  • Discounts for married couples – Getting married helps lower the price on your policy. It translates into being more mature and responsible and statistics show married couples file fewer claims.
  • No coverage gaps is important – Having an insurance coverage lapse will be a fast way to bump up your car insurance costs. And not only will your rates increase, but being ticketed for driving with no insurance may earn you a license revocation or jail time.You may need to submit proof of financial responsibility or a SR-22 with your state DMV.
  • Don’t buy coverages you don’t need – There are quite a few add-on coverages that can waste your money on your car insurance policy. Things like roadside assistance, accident forgiveness and additional equipment coverage are some examples. They may seem good at first, but now you might not need them so remove them from your policy.
  • How’s your driving record? – Your driving record has a big impact on rates. Drivers with clean records receive lower rates than bad drivers. Just one moving violation may increase your cost by twenty percent. Drivers who get serious violations like hit and run, DWI or reckless driving convictions may be required to file a SR-22 to the state department of motor vehicles in order to continue driving.
  • Your location affects your rates – Living in a small town can be a good thing when it comes to car insurance. Drivers in populated areas have to deal with much more traffic and longer commute times. Less people living in that area means fewer accidents as well as less vandalism and auto theft.
  • Lower rates with optional equipment – Driving a car with anti-theft technology or alarm system can help bring down rates. Theft prevention devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder your vehicle from being stolen.
  • Credit scores impact car insurance rates – A driver’s credit score is a large factor in your rate calculation. Consumers who have good credit tend to be less risk to insure than those with poor credit. If your credit history is low, you could be paying less to insure your 2016 Ford Fusion by improving your credit score.
  • Consolidate policies to earn discounts – Most insurers provide better rates to policyholders who buy several policies from them, otherwise known as a multi-policy discount. If you currently are using one company, it’s in your best interest to shop around to confirm you are receiving the best rates possible. You may still be able to find better rates by buying car insurance from a different company.

Quick Insurance Coverage Quotes

There are several ways to shop for Ford Fusion insurance coverage, but some are less time-consuming than others. You could waste a few hours driving to insurance companies in your area, or you can utilize the internet for quick rates.

Most major companies enroll in a system that allows shoppers to submit their information once, and each company then gives them pricing based on that data. This eliminates the need for form submissions to every company. To get comparison pricing now click to open in new window.

The only drawback to using this type of system is you are unable to specify which providers you want pricing from. So if you want to select specific insurance companies to compare prices, we have assembled a list of low cost insurance coverage companies in your area. Click here for list of insurance companies.

Which method you use is up to you, but make darn sure you compare apples-to-apples quote information for each comparison quote. If you are comparing differing limits it will be next to impossible to decipher which rate is best.

Insurance myths debunked

Consumers get pounded daily by advertisements for the lowest price auto insurance by companies like Allstate, Geico and Progressive. They all say the same thing of big savings after switching to them.

But how can every company make almost identical claims? This is how they do it.

All the different companies can use profiling for the type of driver that makes them money. For instance, a desirable insured could possibly be between 25 and 40, has no tickets, and has a high credit rating. A customer getting a price quote who matches those parameters is entitled to the best price and therefore will save a lot of money.

Drivers who do not match the “perfect” profile will be quoted a higher premium which usually ends up with business not being written. Company advertisements say “customers who switch” not “everybody who quotes” save that much. That’s the way companies can advertise the savings. This emphasizes why you should get as many comparisons as possible. Because you never know which insurance companies will have the lowest Ford Fusion insurance rates.

Save money by taking advantage of these discounts

Auto insurance companies don’t list all available discounts very clearly, so here is a list some of the more common as well as the least known savings tricks you should be using. If you’re not getting every credit you qualify for, you are throwing money away.

  • Discount for Life Insurance – Companies who offer life insurance give lower rates if you buy auto and life insurance together.
  • Sign Online – A handful of insurance companies may give you up to $50 for buying your policy on their website.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can reduce accidents and earn discounts up to 10%.
  • Seat Belts Save more than Lives – Drivers who require all occupants to wear their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
  • Lower Rates for Military – Having a deployed family member could be rewarded with lower premiums.
  • Low Mileage – Low mileage vehicles could be rewarded with discounted rates on garaged vehicles.
  • Distant Student – Kids in college who live away from home without a vehicle on campus can receive lower rates.

Drivers should understand that most of the big mark downs will not be given to the entire policy premium. Some only reduce individual premiums such as collision or personal injury protection. So even though it sounds like all the discounts add up to a free policy, car insurance companies aren’t that generous.

Insurance companies that may offer these benefits are:

Check with each company which discounts they offer. Discounts may not be available in your state.

When should I use an insurance agent?

When it comes to choosing coverage for your personal vehicles, there really is not a “best” method to buy coverage. Every insured’s situation is different and your policy should reflect that. For example, these questions can help discover if your insurance needs would benefit from professional advice.

  • Am I covered if I break a side mirror?
  • When can I cancel my policy?
  • What is an SR-22 filing?
  • How do I insure my teen driver?
  • Can I drive in Mexico and have coverage?
  • Does coverage extend to my business vehicle?
  • Am I covered by my spouse’s policy after a separation?
  • Can I still get insurance after a DUI?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.

Specifics of your auto insurance policy

Knowing the specifics of your policy helps when choosing the best coverages for your vehicles. Auto insurance terms can be confusing and reading a policy is terribly boring. Shown next are typical coverages found on the average auto insurance policy.

Coverage for collisions

Collision insurance covers damage to your Fusion resulting from a collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like colliding with a tree, sustaining damage from a pot hole, backing into a parked car, hitting a mailbox and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also raise the deductible to get cheaper collision coverage.

Liability insurance

Liability insurance provides protection from damage or injury you incur to other people or property in an accident. It protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability can pay for claims like medical services, repair costs for stationary objects, medical expenses, repair bills for other people’s vehicles and bail bonds. How much liability coverage do you need? That is a personal decision, but consider buying as large an amount as possible.

Medical expense insurance

Med pay and PIP coverage pay for immediate expenses such as doctor visits, nursing services and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like fire damage, hail damage and a tree branch falling on your vehicle. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” 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.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Cheaper insurance is a realistic goal

We just presented many tips how you can reduce 2016 Ford Fusion insurance prices online. The key concept to understand is the more price quotes you have, the better likelihood of reducing your rate. Drivers may discover the lowest priced insurance coverage comes from a small local company. These companies can often provide lower rates in certain areas as compared to the big name companies such as Geico and State Farm.

Affordable insurance can be bought from both online companies and also from your neighborhood agents, and you should be comparing both in order to have the best chance of saving money. Some insurance coverage companies may not provide you the ability to get quotes online and these smaller companies work with independent agents.

More detailed insurance coverage information is located at these sites: