Cheaper 2011 Ford Fusion Insurance Quotes

Want the cheapest insurance coverage rates for your Ford Fusion? Are you tired of not being able to afford to pay your car insurance bill each month? You are no different than the majority of other car owners. With so many choices of insurance companies, it’s nearly impossible to pick the cheapest insurer.

Compare Insurance Costs

Getting a cheaper price on 2011 Ford Fusion insurance doesn’t have to be difficult. Consumers just need to spend a little time getting comparison quotes provided by online insurance companies. This can be done in just a few minutes using one of these methods.

  1. The best way to find low rates is to use a rate comparison form like this one (opens in new window). This easy form prevents you from having to do a different quote for every insurance company. One quote request will get you rate comparisons from insurance companies with the best prices.
  2. A slightly less efficient method to get quotes online is to take the time to go to each company website and request a quote. For instance, let’s assume you want to compare Nationwide, Progressive and GEICO. To get rate quotes you would need to go to every website to input your insurance information, which is why the first method is more popular. For a handy list of car insurance company links in your area, click here.

It doesn’t matter which method you choose, just ensure you’re using identical coverages and limits with every price quote. If each company quotes different liability limits it’s impossible to truly determine the lowest rate.

Discounts are great for lower rates

The cost of insuring your cars can be expensive, but you may find discounts to reduce the price significantly. Some discounts apply automatically at the time of quoting, but some may not be applied and must be manually applied before they will apply. If they aren’t giving you every credit you deserve, you are throwing money away.

  • Payment Method – By paying your policy upfront instead of making monthly payments you could save up to 5%.
  • New Vehicle Savings – Insuring a new car can save up to 30% due to better safety requirements for new cars.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems are safer to drive and earn discounts up to 10%.
  • Life Insurance – Companies who offer life insurance give lower rates if you buy life insurance from them.
  • Bundle and Save – If you have multiple policies with one insurance company you may earn approximately 10% to 15%.
  • Lower Rates for Military – Being on active duty in the military could be rewarded with lower premiums.
  • Good Student Discount – Getting good grades can earn a discount of 20% or more. This discount can apply well after school through age 25.
  • Resident Student – Children living away from home attending college and do not have access to a covered vehicle can be insured at a reduced rate.
  • Drivers Ed for Students – Require your teen driver to take driver’s ed class if offered at their school.
  • Organization Discounts – Being a member of a civic or occupational organization may earn a discount when buying auto insurance for Fusion coverage.

Consumers should know that most of the big mark downs will not be given to the overall cost of the policy. Most only cut the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, you won’t be that lucky. Any qualifying discounts will cut your premiums.

Companies that possibly offer these benefits include:

Double check with each insurance company what discounts are available to you. Some discounts might not apply in your area.

You may need specialized coverage

When buying the best insurance coverage coverage for your personal vehicles, there really is not a “best” method to buy coverage. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For example, these questions could help you determine whether or not you would benefit from professional advice.

  • How does medical payments coverage work?
  • Do I have coverage if my license is suspended?
  • What are the financial responsibility laws in my state?
  • Am I covered if I wreck a rental car?
  • Should I get collision insurance on every vehicle?
  • Is business property covered if stolen from my car?
  • Am I covered if I hit a deer?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • How can I force my company to pay a claim?
  • How can I get high-risk coverage after a DUI?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.

Factors that can influence Ford Fusion insurance rates

It’s important that you understand the factors that come into play when calculating the rates you pay for insurance. Knowing what controls the rates you pay allows you to make educated decisions that will entitle you to big savings.

The list below includes some of the items companies use to determine prices.

  • With age comes lower rates – Mature drivers tend to be more responsible, tend to cause fewer accidents and get fewer tickets. Teen drivers are statistically proven to be less responsible in a vehicle therefore insurance rates are much higher.
  • More than one policy can earn a discount – Some insurance companies will give a discount to policyholders who buy several policies from them in the form of a multi-policy discount. Even though this discount sounds good, it’s in your best interest to compare rates to verify if the discount is saving money.
  • Add-on coverages can add up – There are many extra bells and whistles that can waste your money when buying insurance. Coverages like roadside assistance, accident forgiveness and additional equipment coverage may be costing you every month. These coverages may sound good initially, but now you might not need them so get rid of them and save.
  • Special features that cut premiums – Owning a car with an alarm system can help bring down rates. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent your car from being stolen.
  • Where you live can impact rates – Choosing to live in a rural area has it’s advantages when it comes to insurance. Fewer drivers translates into fewer accidents as well as less vandalism and auto theft. Drivers in populated areas have to deal with congested traffic and much longer commute distances. More time on the road means more change of being in an accident.

Is there truth in advertising?

Consumers can’t ignore all the ads for car insurance savings from the likes of Allstate and Progressive. They all say the same thing about savings if you move your coverage to them.

But how can every company make the same claim? It’s all in the numbers.

Different companies are able to cherry pick for the right customer that is profitable for them. For instance, a desirable insured might be between 30 and 50, owns a home, and chooses high deductibles. A driver who fits that profile will get the preferred rates and therefore will save quite a bit of money when switching.

Drivers who don’t measure up to these standards will be quoted a higher premium and this can result in the customer not buying. The ad wording is “drivers who switch” not “everybody who quotes” save money. That’s the way companies can state the savings.

This emphasizes why you should get as many quotes as possible. It’s just too difficult to predict which company will provide you with the cheapest Ford Fusion insurance rates.

Auto insurance coverage options for a Ford Fusion

Understanding the coverages of your policy can be of help when determining appropriate coverage for your vehicles. The terms used in a policy can be confusing and nobody wants to actually read their policy. Listed below are the normal coverages offered by auto insurance companies.

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as rock chips in glass, hitting a deer, falling objects, damage from a tornado or hurricane and a tree branch falling on your vehicle. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability insurance

This provides protection from damage or injury you incur to other people or property in an accident. This coverage protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims like repair costs for stationary objects, funeral expenses, court costs and emergency aid. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection when other motorists either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Normally these limits are identical to your policy’s liability coverage.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses such as EMT expenses, ambulance fees, surgery and nursing services. They can be utilized in addition to your health insurance plan or if you do not have health coverage. It covers not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Collision protection

This coverage will pay to fix damage to your Fusion resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like rolling your car, colliding with another moving vehicle, hitting a parking meter, backing into a parked car and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Another option is to raise the deductible to save money on collision insurance.

Compare but don’t skimp

As you shop your coverage around, it’s very important that you do not reduce coverage to reduce premium. There are a lot of situations where someone sacrificed comprehensive coverage or liability limits only to find out they didn’t purchase enough coverage. Your goal should be to find the BEST coverage at a price you can afford while still protecting your assets.

In this article, we presented a lot of information how to get a better price on 2011 Ford Fusion insurance. It’s most important to understand that the more quotes you get, the higher your chance of finding lower rates. Consumers may even find the lowest rates come from a company that doesn’t do a lot of advertising. These smaller insurers may have significantly lower rates on certain market segments compared to the large companies like Allstate and Progressive.

Affordable insurance is definitely available from both online companies in addition to many insurance agents, and you need to comparison shop both to get a complete price analysis. Some insurance providers do not provide you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.

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