Lower Your 2013 Ford Fusion Hybrid Insurance Rates

Searching for cheaper insurance rates for your Ford Fusion Hybrid? Comparing car insurance rates is not a procedure drivers appreciate, but it has to be done before you can legally be on the road.

Cut your premium with discounts

The price of auto insurance can be rather high, but you can get discounts to help bring down the price. Certain discounts will be applied at quote time, but some may not be applied and must be specifically requested before they will apply.

  • Lower Rates for Military – Having a family member in the military may qualify for rate reductions.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and will save you 10% or more.
  • New Vehicle Savings – Putting insurance coverage on a new car is cheaper due to better safety requirements for new cars.
  • Drive Safe and Save – Safe drivers can pay as much as 50% less for Fusion Hybrid coverage than drivers with accidents.
  • Seat Belts Save – Drivers who require all occupants to wear their seat belts could cut 10% or more off your PIP or medical payments premium.
  • Payment Discounts – If paying your policy premium upfront instead of monthly or quarterly installments you could save up to 5%.
  • Homeowners Discount – Simply owning a home may trigger a car insurance policy discount due to the fact that maintaining a home demonstrates responsibility.

Drivers should understand that most discount credits are not given to the entire cost. Most only reduce the cost of specific coverages such as medical payments or collision. Just because you may think you would end up receiving a 100% discount, it just doesn’t work that way. But all discounts will cut your premiums.

A partial list of companies who might offer these discounts include:

It’s a good idea to ask each insurance company how you can save money. All car insurance discounts might not apply in your area.

Comprehensive Insurance Comparison Quotes

All major insurance companies provide coverage price quotes on the web. Getting online quotes is pretty easy as you simply enter your personal and coverage information into the quote form. Upon sending the form, their system automatically orders reports for credit and driving violations and provides a quote based on these and other factors.

Quoting online streamlines rate comparisons, but the time required to go to several different sites and enter the same data into a form is repetitive and time-consuming. But it’s absolutely necessary to perform this step if you are searching for the lowest possible prices on insurance.

A less time-consuming method to lower your rates makes use of a single form that gets prices from a lot of companies. It’s a real time-saver, helps eliminate reptitive entry, and makes comparison shopping a little more enjoyable. After your information is entered, it is rated with multiple companies and you can pick any or none of the resulting price quotes.

If one or more price quotes are lower than your current rates, you simply finish the application and buy the new coverage. The whole process just takes a couple of minutes and can result in significant savings.

To save time and compare pricing, simply click here to open in new window and enter your information. If you currently have coverage, we recommend you enter the insurance coverages exactly as they are listed on your policy. Doing this guarantees you will have a fair comparison based on identical coverages.

What is the best insurance coverage?

When it comes to buying coverage, there is no “best” method to buy coverage. Every situation is different.

For instance, these questions may help you determine if you might need professional guidance.

  • Will I lose any money if I cancel my policy before it expires?
  • How much liability do I need to cover my assets?
  • Should I carry comprehensive and collision coverage?
  • Is a new car covered when I drive it off the dealer lot?
  • What vehicles should carry emergency assistance coverage?
  • Why do I only qualify for high-risk insurance?
  • Does my personal policy cover me when driving out-of-state?
  • How high should my medical payments coverage be?
  • Does car insurance cover theft of personal property?

If you can’t answer these questions but a few of them apply, you might consider talking to an agent. To find lower rates from a local agent, complete this form.

Information about specific coverages

Understanding the coverages of your car insurance policy can help you determine appropriate coverage and proper limits and deductibles. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Liability auto insurance – This will cover damage that occurs to a person or their property by causing an accident. It protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things like pain and suffering, legal defense fees and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford.

Collision coverages – Collision insurance pays for damage to your Fusion Hybrid caused by collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims like hitting a parking meter, scraping a guard rail, sideswiping another vehicle, backing into a parked car and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to raise the deductible to bring the cost down.

UM/UIM Coverage – This coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive or Other Than Collision – Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as a tree branch falling on your vehicle, a broken windshield, vandalism and damage from flooding. The maximum payout your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical costs insurance – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for things like funeral costs, doctor visits, EMT expenses, hospital visits and dental work. They can be utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers any family member struck as a pedestrian. PIP coverage is not available in all states and may carry a deductible

Shop. Compare. Save.

Insureds switch companies for any number of reasons including lack of trust in their agent, questionable increases in premium, high rates after DUI convictions and an unsatisfactory settlement offer. Regardless of your reason for switching companies, finding a new auto insurance company is less work than it seems.

Affordable 2013 Ford Fusion Hybrid insurance is attainable both online and with local insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. There are still a few companies who do not offer online price quotes and most of the time these regional insurance providers sell through independent agents.

As you shop your coverage around, it’s a bad idea to buy less coverage just to save a little money. In too many instances, an accident victim reduced comprehensive coverage or liability limits only to regret at claim time that they should have had better coverage. The aim is to purchase plenty of coverage for the lowest price.

More detailed auto insurance information can be found in the articles below: