Quick Guide for Finding the Best Ford Fusion Insurance

Locating cheaper insurance for a new or used Ford Fusion can be an all-consuming task, but you can use our auto insurance buying tips to make it easier.

There is a better way to buy auto insurance so you’re going to learn the quickest way to quote coverages for your Ford and locate the lowest price from local insurance agents and online providers.

You should make it a habit to take a look at other company’s rates quite often because prices fluctuate regularly. Even if you think you had the lowest rates for Fusion coverage a few years ago there may be better deals available now. There is too much inaccurate information about auto insurance on the internet, so with this article, you’re going to get the easiest ways to put money back in your pocket.

If you are paying for car insurance now, you will most likely be able to cut costs considerably using these tips. Finding affordable auto insurance coverage is easy if you know what you’re doing. But consumers can benefit from knowing how big insurance companies market insurance on the web and take advantage of how the system works.

Lower rates by qualifying for discounts

Insurance can be prohibitively expensive, but companies offer discounts that you may not know about. Some trigger automatically at the time of quoting, but less common discounts must be asked for before they will apply.

  • Safety Course Discount – Taking a defensive driving course can save you 5% or more and easily recoup the cost of the course.
  • Clubs and Organizations – Affiliation with a professional or civic organization is a good way to get lower rates on auto insurance for Fusion coverage.
  • Drive Less and Save – Keeping the miles down on your Ford could qualify for discounted rates on garaged vehicles.
  • Student in College – Children living away from home attending college and don’t have a car may qualify for this discount.
  • Service Members Pay Less – Being deployed with a military unit could mean lower rates.

Consumers should know that most discounts do not apply to all coverage premiums. Some only apply to individual premiums such as liability, collision or medical payments. So when the math indicates you can get free auto insurance, you won’t be that lucky. But any discount will bring down the amount you have to pay.

To see a list of providers who offer auto insurance discounts, follow this link.

Comprehensive Auto Insurance Comparison

Most major insurance companies like Progressive, GEICO, Allstate and State Farm give pricing directly from their websites. Getting online rates is fairly simple as you simply type in your required coverages as requested by the quote form. After you submit the form the company’s rating system requests reports for credit and driving violations and generates a price.

Being able to quote online simplifies rate comparisons, but the work required to visit a lot of sites and type in the same information gets old quite quickly. But it is imperative to compare as many rates as possible if you are searching for better auto insurance pricing.

Rate comparisons made easy

A less time-consuming method to find cheaper rates is to use a quote form to get prices from a lot of companies. The form is fast, reduces the work, and makes rate comparisons much more efficient. Immediately after submitting the form, it is quoted and you can select any of the pricing results.

If the quotes result in lower rates, it’s easy to complete the application and purchase coverage. It can be completed in less than 10 minutes and could lower your rates considerably.

To find out how much you can save on auto insurance, click here and enter your information. If you have a policy now, it’s recommended you enter just like they are on your policy. Doing this guarantees you’re receiving a rate comparison for similar coverage. insurance cheap

Complexity of Ford Fusion insurance rates

An important part of buying insurance is that you know some of the elements that come into play when calculating the rates you pay for auto insurance. When you know what positively or negatively influences your rates helps enable you to make changes that could result in lower auto insurance prices.

  • Pleasure use saves money – The more miles you rack up on your Ford each year the more you’ll pay to insure your vehicle. The majority of insurers price each vehicle’s coverage based on how the vehicle is used. Vehicles that are left in the garage get more affordable rates compared to those used for work or business. Verify your auto insurance policy is showing how each vehicle is driven. Incorrect usage on your Fusion can result in significantly higher rates.
  • Multi-policy discounts can save money – Many companies give discounts to policyholders who consolidate policies with them. It’s known as a multi-policy discount. This can amount to anywhere from five to ten percent in most cases. Even with this discount, you still need to comparison shop to ensure the best deal. You may still find better rates by splitting coverages up.
  • How’s your driving record? – Good drivers tend to pay less for car insurance than their less careful counterparts. Even a single ticket can increase rates by as much as thirty percent. Drivers who have dangerous citations such as DWI, reckless driving or hit and run convictions may need to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to prevent a license revocation.
  • Add-on coverages can add up – There are many add-on coverages that you can buy when buying auto insurance. Insurance for roadside assistance, towing coverage and additional equipment coverage are some examples. They may seem good when you first buy your policy, but now you might not need them so eliminate the coverages to reduce your premium.
  • Older drivers save more – Young drivers tend to get distracted easily when behind the wheel so they pay higher auto insurance rates. Older insureds are more responsible, file fewer claims and are safer drivers.
  • Lower rates with optional equipment – Choosing a vehicle with anti-theft technology or alarm system can help lower your rates. Theft prevention devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart your vehicle from being stolen.
  • Do you have enough liability coverage? – Liability insurance is the protection when you are found to be at fault for damages caused by your negligence. It provides legal defense coverage which can cost thousands of dollars. Liability insurance is quite affordable compared to physical damage coverage, so do not skimp.
  • High deductibles save money – Insurance for physical damage to your car, also known as collision and other-than-collision, is used to repair damage to your Ford. Examples of covered claims would be collision with another vehicle, damage from fire, and rolling your vehicle. The deductibles are how much you are willing to pay out-of-pocket before your auto insurance pays a claim. The more you’re willing to pay, the lower your rates will be for Fusion coverage.

When might I need help?

When choosing the right insurance coverage, there really is no “perfect” insurance plan. Every situation is different.

Here are some questions about coverages that might point out whether your personal situation will benefit from professional help.

  • Is my business laptop covered if it gets stolen from my vehicle?
  • How high should my medical payments coverage be?
  • Do I need special endorsements for business use of my vehicle?
  • Do I need rental car coverage?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Does my Ford Fusion need full coverage?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form.

But don’t I need an insurance agent?

Certain consumers just want to talk to a local agent. One of the great benefits of comparing rates online is you can get better rates but still work with a licensed agent. And providing support for local agencies is definitely important if you live in a smaller city or town.

To help locate an agent, after submitting this short form, your coverage information is immediately sent to local insurance agents who will battle to get your business. You don’t have to visit any agencies since price quotes are sent to the email address you provide. How cool is that?! It’s the lowest rates and an insurance agent to talk to.

How to choose the best auto insurance agent

When looking for a reputable insurance agent or broker, there are a couple of different agency structures from which to choose. agents are classified as either independent (non-captive) or captive.

Independent Agents (or Brokers)

Independent agencies are not required to write business for one company so they can insure your vehicles with any number of different companies and possibly get better coverage at lower prices. If your agent finds better pricing, they simply move the coverage in-house and you won’t have to switch agencies. When comparing rates, we recommend you include price quotes from at least one independent agent to have the most options to choose from.Most can insure with smaller companies which can be an advantage.

Agency Captives

Captive agents can only write with one company such as Allstate, Farmers Insurance or State Farm. They usually cannot place coverage with different providers so keep that in mind. They are very knowledgeable in insurance sales and that can be a competitive advantage. Consumers frequently buy insurance from these agents mostly because of the brand legacy and the convenience of having a single billing for all their coverages.

For a full directory of insurance agencies, visit this site.

Deciding on an insurance agency needs to be determined by more than just the bottom line cost. Some important questions to ask are:

  • How much will you save each year by using a higher deductible?
  • What insurance company do they write the most business with?
  • Is assistance available after office hours?
  • What insurance companies do they work with?
  • How long has their agency been in business?
  • Do you have coverage for a rental car if your vehicle is in the repair shop?

After receiving good answers for all questions you ask and a low price estimate, it’s possible that you found a car insurance agent that can provide auto insurance coverage.

Misconceptions in auto insurance advertisements

Auto insurance providers like Progressive, GEICO, Allstate and State Farm consistently run ads on television and other media. They all make an identical promise that you can save if you change your coverage to them. How do they all claim to save you money? This is how they do it.

All companies have a certain “appetite” for the type of driver they prefer to insure. For example, a desirable insured could possibly be a mature driver, insures multiple vehicles, and drives less than 10,000 miles a year. A customer getting a price quote who matches those parameters gets the lowest rates and most likely will save when they switch companies.

Drivers who don’t measure up to this ideal profile must pay a more expensive rate which usually ends up with the customer not buying. The ad wording is “customers who switch” not “everyone that quotes” save that kind of money. That’s the way insurance companies can advertise the savings.

This illustrates why you need to get quotes from several different companies. It’s not possible to predict the company that will have the lowest rates.

Quote often and quote early

Insureds change insurance companies for a variety of reasons including extreme rates for teen drivers, not issuing a premium refund, policy cancellation or denial of a claim. Regardless of your reason, finding a great new company can be easier than you think.

As you shop your coverage around, don’t be tempted to buy poor coverage just to save money. There are a lot of situations where someone dropped uninsured motorist or liability limits only to discover later they didn’t purchase enough coverage. The aim is to buy the best coverage you can find at an affordable rate, not the least amount of coverage.

Lower-priced Ford Fusion insurance can be sourced online as well as from independent agents, and you need to price shop both so you have a total pricing picture. There are still a few companies who don’t offer online price quotes and usually these smaller companies provide coverage only through local independent agents.