2017 Ford Fusion Hybrid Car Insurance Rates – 10 Savings Tips

Looking for better auto insurance rates for your Ford Fusion Hybrid? Shopping for the cheapest auto insurance on the internet might seem somewhat intimidating for comparing rates and buying auto insurance over the internet. With so many insurance agents and companies in the marketplace, how are vehicle owners able to have time to compare every auto insurance company to find the best available rates?

Buy insurance coverage online

To find the best insurance coverage prices, there are several ways to compare quotes from different companies. The best method to comparison shop is simply to get online rate quotes. This is very easy and can be done in several different ways.

One of the fastest ways to find low rates would be an industry-wide quote request form click here to open form in new window. This form keeps you from doing separate forms for each company you want a rate for. A single, simple form gets you price quotes from many national carriers. It’s the fastest way to compare.

Another way to get quotes online requires you to visit each company’s website and repeat the quote process again and again. For instance, let’s assume you want to compare prices for GEICO, Liberty Mutual and Allstate. You would have to visit each site and repeatedly type in your coverage information, which is why the first method is quicker.

To view a list of companies in your area, click here.

The approach you take is up to you, just be certain you are entering the same coverage data on every quote you get. If the quotes have different values for each quote you will not be able to truly determine the lowest rate. Just slight variations in coverages can result in a big premium difference. And when price shopping your coverage, comparing more rates from different companies will enable you to find the best offered rates. Not every company does online rate quotes, so it’s recommended that you also compare price quotes from them as well.

Cut your insurance rates with these ten discounts

Companies don’t always publicize every disount available very well, so we break down some of the more common and also the lesser-known credits available to you. If you check and find you aren’t receiving every discount available, you’re just leaving money on the table.

  • Anti-theft System – Cars and trucks equipped with anti-theft or alarm systems can help prevent theft and therefore earn up to a 10% discount.
  • Passive Restraints and Air Bags – Factory air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
  • Discounts for New Vehicles – Buying a new car instead of a used car can be considerably cheaper due to better safety requirements for new model year vehicles.
  • Driver Safety – Completing a defensive driving class could cut 5% off your bill if you qualify.
  • No Charge for an Accident – but a handful of insurance companies may permit one accident before they charge you more for coverage if your claims history is clear prior to the accident.
  • Smart Student Discounts – Maintaining excellent grades can earn a discount of 20% or more. Many companies even apply the discount to college students up until you turn 25.
  • Cautious Driver Discount – Drivers without accidents may save up to 50% more on Fusion Hybrid insurance compared to accident prone drivers.
  • No Claims – Drivers who stay claim-free can save substantially compared to insureds who have frequent claims or accidents.
  • Safety Restraint Discount – Drivers who require all vehicle occupants to wear their seat belts may be able to save a few bucks off the PIP or medical payment premium.
  • Pay Now and Pay Less – By paying your policy upfront as opposed to paying monthly you can avoid monthly service charges.

As is typical with insurance, many deductions do not apply to your bottom line cost. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates you would end up receiving a 100% discount, companies don’t profit that way.

Larger insurance companies and their possible discounts are included below.

  • State Farm offers discounts including accident-free, Drive Safe & Save, anti-theft, defensive driving training, good student, passive restraint, and student away at school.
  • GEICO has discounts for military active duty, emergency military deployment, driver training, daytime running lights, and air bags.
  • Allstate may include discounts for economy car, anti-theft, premier discount, senior citizen, auto/life discount, and early signing.
  • SAFECO offers discounts for drive less, accident prevention training, anti-lock brakes, teen safety rewards, and anti-theft.
  • Farm Bureau may have discounts that include good student, renewal discount, safe driver, multi-vehicle, driver training, and multi-policy.
  • Progressive discounts include online signing, homeowner, multi-vehicle, good student, online quote discount, and continuous coverage.
  • AAA has savings for pay-in-full, education and occupation, AAA membership discount, good driver, anti-theft, good student, and multi-policy.

Check with every company how you can save money. Some discounts listed above may not apply to policyholders in every state. To choose insurance companies who offer discounts, click here.

You are unique and your insurance coverage should be too

When buying the best insurance coverage coverage, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different.

For instance, these questions might point out whether or not you may require specific advice.

  • If my 2017 Ford Fusion Hybrid is totaled, can I afford another vehicle?
  • Should I drop comprehensive coverage on older vehicles?
  • Is business equipment covered while in my vehicle?
  • Am I covered if I drive in a foreign country?
  • Can I rate high risk drivers on liability-only vehicles?
  • How much can I save by bundling my policies?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form.

Are you falling for claims of savings?

Well-known insurance companies like Progressive, Allstate and GEICO consistently run ads in print and on television. They all advertise claims about saving some big amount after switching your coverage. But how can every company give you a lower rate? It’s all in how they say it.

Insurance providers have an ideal profile for the type of driver that will be a good risk. An example of a desirable insured might be a married male, has a low-risk occupation, and has a short commute. A customer getting a price quote that matches those criteria receive the lowest rate quotes and as a result will probably save a lot if they switch.

Potential customers who fall outside these standards will get a more expensive rate with the end result being the customer not buying. If you pay close attention to the ads, they say “customers that switch” not “everyone that quotes” will save that much if they switch. That is how companies can truthfully make claims that they all have the best prices. This illustrates why you need to get price quotes at each policy renewal. Because you cannot predict which company will have the lowest premium rates for your situation.

Specific coverage details

Understanding the coverages of auto insurance aids in choosing the best coverages for your vehicles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Comprehensive coverages

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like theft, vandalism, damage from flooding and damage from a tornado or hurricane. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for expenses for things like hospital visits, funeral costs, X-ray expenses, nursing services and pain medications. They are used in conjunction with a health insurance plan or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford Fusion Hybrid.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Liability

This can cover injuries or damage you cause to a person or their property in an accident. It protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims such as attorney fees, structural damage, bail bonds, medical services and funeral expenses. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Collision protection

Collision coverage will pay to fix damage to your Fusion Hybrid 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 protects against things such as rolling your car, sideswiping another vehicle and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Online plus local equals savings

People switch companies for any number of reasons including delays in responding to claim requests, questionable increases in premium, denial of a claim or even not issuing a premium refund. No matter why you want to switch, switching insurance coverage companies is less work than it seems.

We covered quite a bit of information on how to get a better price on 2017 Ford Fusion Hybrid insurance. The key concept to understand is the more quotes you get, the better chance you’ll have of finding affordable auto insurance. Drivers may discover the best car insurance rates are with some of the smallest insurance companies.

As you restructure your insurance plan, it’s not a good idea to buy lower coverage limits just to save a few bucks. In many instances, an insured dropped comprehensive coverage or liability limits only to regret at claim time that their decision to reduce coverage ended up costing them more. Your objective should be to buy enough coverage at the best possible price and still be able to protect your assets.

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