2013 Ford Fusion Energi Insurance Quotes – 5 Discounts for Best Rates

Looking for the cheapest insurance coverage rates for your Ford Fusion Energi? Tired of scraping the payment together each month for car insurance? You are in the same boat as most other car owners. Multiple auto insurance companies compete to insure your vehicles, so it can be very hard to choose a insurance company and get the definite lowest price

It’s a great practice to get comparison quotes quite often since insurance rates fluctuate regularly. Just because you found the best price for Fusion Energi coverage a year ago the chances are good that you can find a lower rate today. You can find a lot of misleading information regarding insurance coverage online, so by reading this article, you’re going to learn some solid techniques on how to slash your insurance coverage rates.

If you have a current insurance coverage policy or need a new policy, you will benefit by learning to shop for the lowest rates and possibly find even better coverage. Finding affordable coverage is not rocket science. Vehicle owners just need to understand the most efficient way to shop their coverage around online.

Cut prices on Ford Fusion Energi insurance

Auto insurance companies don’t always advertise all available discounts in an easy-to-find place, so here is a list some of the best known as well as the least known discounts you could be receiving. If they aren’t giving you every credit possible, you are throwing money away.

  • Military Rewards – Being deployed with a military unit could be rewarded with lower premiums.
  • Air Bag Discount – Vehicles with factory air bags and/or automatic seat belt systems may earn rate discounts of 20% or more.
  • No Accidents – Drivers with accident-free driving histories pay less compared to drivers who are more careless.
  • Drive Safe and Save – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for Fusion Energi coverage than drivers with accidents.
  • Payment Discounts – If you pay your bill all at once instead of making monthly payments you could save 5% or more.

Keep in mind that most of the big mark downs will not be given to your bottom line cost. Most only cut individual premiums such as physical damage coverage or medical payments. So even though it sounds like all those discounts means the company will pay you, companies don’t profit that way.

Companies that may have some of the above discounts include:

Check with each insurance company which discounts you may be entitled to. All car insurance discounts might not be offered in every state.

How to Compare Car Insurance Rates

Most major insurance companies give insurance quotes directly from their websites. Obtaining pricing is fairly straightforward as you simply type in the coverage amounts you desire into the quote form. Once you submit the form, their system gets information on your driving record and credit history and returns pricing information determined by many factors. Quoting online makes comparing rates easy, but the time required to go to several different sites and type in the same information is monotonous and tiresome. But it’s very important to have as many quotes as possible if you are searching for a better rate.

There is a better way!

The quickest way to compare car insurance pricing uses one form that gets price quotes from several different companies. The form is fast, eliminates repetitive work, and makes online shopping much easier to do. Immediately after you send the form, it gets priced and you can select your choice of the returned quotes. If a lower price is quoted, you can click and sign and purchase the new policy. The whole process can be completed in less than 10 minutes and could lower your rates considerably.

To find out what other companies charge, click here and submit your coverage information. To compare your current rates, we recommend you replicate the coverage information as shown on your current policy. This makes sure you will have a rate comparison based on identical coverages.

Tailor your coverage to you

When it comes to buying the right insurance coverage, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. Here are some questions about coverages that might help in determining if you would benefit from an agent’s advice.

  • When should my teen driver be added to my policy?
  • Am I covered if I break a side mirror?
  • Do I really need UM/UIM coverage?
  • What if I total my 2013 Ford Fusion Energi and owe more than it’s worth?
  • Does my insurance cover a custom paint job?
  • What vehicles should carry emergency assistance coverage?
  • Are my tools covered if they get stolen from my vehicle?
  • How high should my medical payments coverage be?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What exactly is covered by my policy?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area. It’s fast, free and can help protect your family.

Are you falling for claims of savings?

Consumers can’t get away from ads for cheaper car insurance by Allstate and Progressive. All the ads say the same thing that you can save if you switch to their company.

How can each company make the same claim?

All the different companies have a preferred profile for the driver that makes them money. A good example of a desirable insured might be between the ages of 30 and 50, has no tickets, and has a high credit rating. A customer who fits that profile will qualify for the lowest rates and most likely will save when they switch companies.

Drivers who do not match these standards will be quoted higher premiums and ends up with the customer not buying. The ad wording is “customers that switch” not “everybody who quotes” save money. That’s the way insurance companies can advertise the savings. This emphasizes why you should get as many quotes as possible. Because you never know which company will give you the biggest savings on Ford Fusion Energi insurance.

Insurance coverage basics

Having a good grasp of insurance can be of help when determining appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are typical coverage types found on the average insurance policy.

Auto liability insurance – Liability insurance protects you from injuries or damage you cause to other’s property or people by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability can pay for claims such as bail bonds, structural damage, emergency aid, medical expenses and court costs. How much liability coverage do you need? That is a personal decision, but buy higher limits if possible.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP provide coverage for expenses for things like EMT expenses, X-ray expenses, doctor visits, funeral costs and pain medications. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants in addition to getting struck while a pedestrian. PIP is not an option in every state and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Ford Fusion Energi.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Collision coverages – This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision can pay for things like colliding with another moving vehicle, colliding with a tree, rolling your car, driving through your garage door and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Comprehensive auto coverage – This will pay to fix damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like fire damage, damage from flooding, falling objects, damage from a tornado or hurricane and theft. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Have money to burn

You just read some good ideas how you can lower your 2013 Ford Fusion Energi insurance rates. The most important thing to understand is the more quotes you get, the more likely it is that you will get a better rate. You may be surprised to find that the lowest rates come from a small local company. They often have lower prices on specific markets than their larger competitors like Allstate or State Farm.

While you’re price shopping online, it’s a bad idea to skimp on critical coverages to save a buck or two. In many instances, consumers will sacrifice uninsured motorist or liability limits only to discover later that a couple dollars of savings turned into a financial nightmare. Your goal should be to purchase a proper amount of coverage for the lowest price while still protecting your assets.

Much more information about insurance can be found below: