2013 Ford Fusion Insurance Quotes – 8 Policy Discounts

Searching for cheaper insurance coverage rates for your Ford Fusion? No one in their right mind enjoys paying for insurance coverage, particularly when they are paying too much. You have so many car insurance companies to buy insurance from, and even though it’s nice to have multiple companies, so many choices can make it hard to compare company pricing.

Smart consumers take time to shop coverage around occasionally because prices go up and down regularly. Even if you think you had the best price for Fusion coverage a few years ago a different company probably has better rates today. There is a lot of bad advice regarding insurance coverage online but we’re going to give you some proven techniques to save money.

The purpose of this post is to instruct you on the best way to quote coverages and some tips to save money. If you currently have car insurance, you will most likely be able to reduce your rates substantially using these tips. Consumers only need to know the most effective way to compare prices online.

Compare the Market for Insurance

There are a variety of methods to shop for 2013 Ford Fusion insurance, and some are easier and takes less work. You could spend your day driving to insurance companies in your area, or you can stay home and use the web to maximize your effort.

Many companies are enrolled in a marketplace where prospective buyers enter their coverage request one time, and at least one company returns a competitive quote based on the submitted data. This saves time by eliminating quotation requests to each company.

To find out what other companies charge for 2013 Ford Fusion insurance click here (opens in new window).

The one downside to comparing rates this way is you can’t choose which carriers to get quotes from. If you would rather choose specific insurance companies to compare, we have a page of insurance companies in your area. Click here for list of insurance companies.

It’s up to you which method you use, but be sure to compare exactly the same coverage limits on every quote. If each company quotes mixed coverages you will not be able to determine the best price for your Ford Fusion.

Save money by taking advantage of these eight discounts

Insurance can be prohibitively expensive, but there are discounts available that many people don’t even know exist. Certain discounts will be applied when you get a quote, but lesser-known reductions have to be asked for before being credited. If you don’t get every credit you qualify for, you are throwing money away.

  • Clubs and Organizations – Affiliation with a professional or civic organization could qualify you for a break when buying car insurance for Fusion coverage.
  • Lower Rates for Military – Having a deployed family member can result in better rates.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.
  • Multiple Vehicles – Buying insurance for multiple vehicles on the same car insurance policy may reduce the rate for each vehicle.
  • Passive Restraints – Vehicles equipped with air bags can get savings up to 30%.
  • Senior Discount – If you qualify as a senior citizen, you may qualify for a small decrease in premiums for Fusion coverage.
  • Defensive Driving Course – Successfully completing a course in driver safety could save 5% or more if your company offers it.
  • Distant Student – Kids in college who attend school more than 100 miles from home and do not have a car may qualify for this discount.

It’s important to note that most discounts do not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as collision or personal injury protection. So when the math indicates it’s possible to get free car insurance, companies don’t profit that way. Any amount of discount will reduce your premiums.

Companies that may have these money-saving discounts include:

It’s a good idea to ask each company what discounts are available to you. Discounts might not apply in your area.

When should I use an insurance agent?

When choosing the right insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs and your policy should reflect that. For example, these questions can help discover whether or not you could use an agent’s help.

  • How do I insure my teen driver?
  • Should I carry comprehensive and collision coverage?
  • When should I remove comp and collision on my 2013 Ford Fusion?
  • Am I covered if I drive in a foreign country?
  • Do I have coverage for damage caused while driving under the influence?
  • Am I covered when driving in Canada or Mexico?
  • I don’t drive much so do I pay less?
  • Does my insurance cover a custom paint job?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It’s fast, free and may give you better protection.

Save 15 percent in 15 minutes? Is it for real?

Consumers can’t get away from ads for the lowest price auto insurance by companies like Allstate, GEICO and Progressive. They all seem to make an identical promise of big savings if you move to them.

How does each company make almost identical claims? It’s all in the numbers.

Different companies are able to cherry pick for the type of customer that earns them a profit. A good example of a preferred risk might be over the age of 50, has no prior claims, and drives newer vehicles. Any driver who matches those parameters will get the preferred rates and as a result will probably cut their rates substantially.

Potential insureds who don’t meet this ideal profile will have to pay higher rates which leads to business not being written. Company advertisements say “people who switch” not “everybody who quotes” save that much. That’s why insurance companies can confidently state the savings.

Because of the profiling, you need to compare as many rates as you can. Because you never know which insurance companies will fit your personal profile best.

Insurance coverages and their meanings

Learning about specific coverages of insurance can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be confusing and coverage can change by endorsement. Below you’ll find the usual coverages found on the average insurance policy.

Collision – 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 and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like backing into a parked car, crashing into a ditch, colliding with another moving vehicle and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Drivers also have the option to raise the deductible to save money on collision insurance.

Medical expense insurance – Med pay and PIP coverage pay for expenses such as EMT expenses, pain medications, funeral costs, ambulance fees and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Comprehensive (Other than Collision) – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as damage from a tornado or hurricane, theft, a tree branch falling on your vehicle, hitting a deer and damage from flooding. The most a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Ford Fusion.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Most of the time these coverages are similar to your liability insurance amounts.

Auto liability – This protects you from damages or injuries you inflict on people or other property that is your fault. It protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different 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 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for things such as funeral expenses, court costs, loss of income, bail bonds and medical expenses. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

In conclusion

You just learned a lot of techniques to shop for 2013 Ford Fusion insurance online. The key thing to remember is the more times you quote, the better chance you’ll have of finding lower rates. Consumers could even find that the best prices are with a small mutual company. These smaller insurers can often provide lower rates in certain areas than the large multi-state companies such as Progressive or GEICO.

When you buy insurance online, it’s very important that you do not reduce coverage to reduce premium. There have been many cases where an accident victim reduced liability limits or collision coverage to discover at claim time that the few dollars in savings costed them thousands. The aim is to buy enough coverage at an affordable rate, not the least amount of coverage.

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