View 2018 Ford Fusion Insurance Quotes

Comparing auto insurance quotes online may seem to be difficult if you are one of the many people who have never used online price comparisons. But don’t just give up because finding better quotes is actually fairly simple.

It’s a great practice to get comparison quotes once or twice a year because prices are adjusted regularly by insurance companies. Just because you found the best rate for Fusion coverage a year ago there is a good chance you can find better premium rates now. Forget all the misinformation about insurance coverage because you’re going to get a crash course in the best methods to properly buy coverages and cut your premium.

Finding affordable coverage is not that difficult. Just about every vehicle owner who is required by state law to have insurance will more than likely be able to reduce their rates. Although drivers do need to know how the larger insurance companies sell insurance online and use this information to your advantage.

Insurance costs are influenced by these factors

Consumers need to have an understanding of the rating factors that come into play when calculating your car insurance rates. If you have some idea of what controls the rates you pay, this helps enable you to make changes that may result in better car insurance rates.

  • Fewer miles means better costs – The more you drive your Ford each year the higher your rate. Many insurance companies calculate prices based upon how the vehicle is primarily used. Cars and trucks used primarily for pleasure use can be on a lower rate level compared to those used for work or business. Having the wrong rating on your Fusion may be costing you. It’s always a good idea to double check that your vehicle rating is showing the right rating data.
  • Premiums may be lower depending on your employer – Jobs such as doctors, executives and miners generally pay higher rates than average attributed to high stress levels and lengthy work days. Conversely, occupations like farmers, athletes and homemakers pay lower than average rates for Fusion coverage.
  • Too many car insurance claims will drive rates up – If you file a lot of claims you can look forward to higher rates. Auto insurance companies give lower rates to drivers who file claims infrequently. Auto insurance is meant to be used in the event of claims that pose a financial burden.
  • Big cities have higher prices – Choosing to live in small towns and rural areas has it’s advantages if you are looking for the lowest rates. Residents of big cities regularly have more aggressive driving styles and more severe claims. Fewer drivers means a lower chance of having an accident as well as less vandalism and auto theft.
  • Being married is a good thing – Getting married can actually save you money when buying car insurance. Having a significant other demonstrates that you tend to be more mature and responsible it has been statistically shown that drivers who are married are more cautious.
  • Remove unneeded incidental coverages – There are a ton of extra bells and whistles that sound like a good idea at the time if you aren’t diligent. Coverages like coverage for rental cars, accidental death, and Farm Bureau memberships may be costing you every month. You may think they are a good idea at first, but if you don’t need them remove them and pocket the money.
  • Gender is a factor – Over time, data shows females are less aggressive when driving. However, this does not mean women are BETTER drivers than men. Both sexes cause auto accidents at a similar rate, but the men have accidents that have higher claims. Not only are claims higher, but men have more aggressive citations such as reckless driving. Young men ages 16 to 20 cause the most accidents and are penalized with high car insurance rates.
  • GPS tracking and theft deterrents reduce car insurance rates – Choosing a vehicle with anti-theft technology or alarm system can help lower your premiums. Systems that thwart theives such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems help track and prevent your car from being stolen.

Free insurance rate quotes

There are several ways to obtain and compare prices from companies that offer insurance in your state. One of the best ways to do a complete rate comparison is to get quotes online. This can be done using a couple different methods.

  1. The first (and easiest) way consumers can make multiple comparisons is to use a rate comparison form click here to open form in new window. This easy form eliminates the need for separate forms for each price estimate. Completing one form gets insurance cost estimates from insurance companies with the best prices. This is by far the quickest method.
  2. A less efficient way to get comparison quotes is spending the time to visit each individual company website and repeat the quote process again and again. For sake of this example, we’ll assume you want rates from USAA, Farmers and Liberty Mutual. To get each rate you have to go to every website and enter your information, which can be really labor intensive.

    For a handy list of car insurance company links in your area, click here.

  3. The final method to get rate quotes is driving to insurance agents’ offices. Comparing online rate quotes makes this process obsolete unless you have a complicated situation and need the professional assistance only provided by licensed agents. However, consumers can get the lowest quotes online but have your policy serviced through an agent.

You can use whichever method you prefer to find lower rates, just compare equivalent coverage data on every quote you get. If you compare different limits and deductibles on each one it will be nearly impossible to truly determine the lowest rate. Slightly different insurance coverages could skew the results. It’s important to know that comparing a large number of companies helps you find a lower rate than you’re paying now. Not every company allows you to get online price quotes, so it’s important to also get price quotes from them as well.

Slick advertising tricks that work

Big name companies like Allstate, GEICO and Progressive endlessly run ads in print and on television. They all tend to make the same promise about savings if you change your coverage. How does every company make the same claim? This is how they do it.

Insurance companies have specific guidelines for the type of driver that is profitable for them. For example, a profitable insured might be a mature driver, has no claims, and has a high credit rating. Any customer that meets those criteria receives the best car insurance rates and is almost guaranteed to save when switching.

Drivers who are not a match for the ideal profile will probably be forced to pay a higher premium which usually ends up with business not being written. If you pay close attention to the ads, they say “drivers that switch” not “everyone who quotes” can get the lowest rates when switching. That’s the way companies can truthfully state the savings. This illustrates why drivers should do a quote comparison often. Because you never know with any certainty which company will have better rates than you’re paying now.

Save money with these discounts

Insurance can cost an arm and a leg, but you may qualify for discounts that many consumers don’t even know exist. Most are applied when you get a quote, but less common discounts must be specially asked for prior to receiving the credit. If you check and find you aren’t receiving every discount you deserve, you could be getting lower rates.

  • Sign Online – A few larger companies will give you a small discount for buying a policy and signing up digitally online.
  • Good Student Discount – Being a good student may save you up to 25%. Most companies allow this discount until age 25.
  • Save with a New Car – Buying insurance coverage on a new vehicle is cheaper since newer models have better safety ratings.
  • Drivers Education – Teen drivers should sucessfully take a drivers education course in school.
  • Braking Control Discount – Anti-lock brake equipped vehicles can reduce accidents so companies give up to a 10% discount.
  • Policy Bundle Discount – When you combine your home and auto insurance and insure them both with the same insurance company you could get a discount of approximately 10% to 15%.

As a disclaimer on discounts, most of the big mark downs will not be given to your bottom line cost. Most only cut individual premiums such as liability and collision coverage. Despite the appearance that having all the discounts means you get insurance for free, insurance coverage companies aren’t that generous. But all discounts will lower your overall premium however.

To see providers that have a full spectrum of discounts, follow this link.

Auto insurance can be complex

When it comes to buying adequate coverage, there really is no cookie cutter policy. Everyone’s needs are different.

Here are some questions about coverages that could help you determine whether or not you might need professional guidance.

  • Do I need an umbrella policy?
  • Does my liability insurance cover pulling a trailer or camper?
  • Why do I need rental car insurance?
  • Should I drop comprehensive coverage on older vehicles?
  • Is other people’s property covered if stolen from my vehicle?
  • Will I be non-renewed for getting a DUI or other conviction?
  • How much liability insurance is required?
  • What is medical payments coverage?
  • Do I pay less for low miles?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form.

Insurance coverage specifics

Understanding the coverages of a insurance policy helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Medical expense insurance – Med pay and PIP coverage kick in for bills such as prosthetic devices, dental work, ambulance fees and EMT expenses. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers – This provides protection when the “other guys” do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your 2018 Ford Fusion.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Comprehensive (Other than Collision) – This coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as hail damage, theft, damage from flooding, damage from a tornado or hurricane and vandalism. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision – This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like hitting a parking meter, sustaining damage from a pot hole, driving through your garage door and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Liability car insurance – Liability coverage provides protection from injuries or damage you cause to a person or their property in an accident. It protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage pays for things such as attorney fees, pain and suffering and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but buy as much as you can afford.

A penny saved is a penny earned

Discount 2018 Ford Fusion insurance can be sourced from both online companies and also from your neighborhood agents, and you should be comparing both so you have a total pricing picture. A few companies may not provide the ability to get a quote online and many times these smaller providers only sell through local independent agents.

We’ve covered many ways to get a better price on 2018 Ford Fusion insurance. The most important thing to understand is the more providers you compare, the better your chances of lowering your car insurance rates. Consumers could even find that the lowest rates are with a company that doesn’t do a lot of advertising.

Consumers change insurance companies for any number of reasons including not issuing a premium refund, delays in responding to claim requests, lack of trust in their agent or poor customer service. It doesn’t matter why you want to switch finding a great new company can be easier than you think.

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