How Much Does 2014 Ford Fusion Car Insurance Cost?

Looking for better insurance rates for your Ford Fusion? Overpriced Ford Fusion insurance can overdraw your savings account, especially in this economy. Doing a price comparison is free and is an excellent way to reduce premiums and put more money in your pocket.

You have multiple auto insurance companies to choose from, and even though it’s nice to have a selection, lots of choices makes it harder to compare rates and cut insurance costs.

The purpose of this article is to teach you how car insurance quotes work and some money-saving tips. If you currently have a car insurance policy, you should be able to lower your premiums substantially using this strategy. But drivers should learn how big insurance companies market on the web and apply this information to your search.

Auto Insurance Prices Online

Most companies quote pricing directly from their websites. Getting online rates is quite easy as you simply enter your personal and coverage information as requested by the quote form. Once entered, the company’s rating system automatically retrieves your driving record and credit report and gives you a price quote based on these and other factors. Online quotes simplifies rate comparisons, but the work required to visit multiple sites and type in the same information is monotonous and tiresome. But it’s absolutely necessary to do this if you want to find the lowest price.

The easiest way to compare rates uses one simple form to return rates from multiple companies. It’s a real time-saver, requires less work, and makes comparison shopping much more enjoyable. After sending your information, it gets priced with multiple companies and you can pick any of the returned quotes.

If a lower price is quoted, it’s easy to complete the application and buy the policy. This process takes less than 15 minutes and can result in significant savings.

To quickly compare rates using this form now, simply click here to open in new window and fill out the form. If you have coverage now, it’s recommended you copy coverages and limits identical to your current policy. This ensures you’re receiving rate quotes for similar insurance coverage.

Tailor your coverage to you

When choosing coverage, there isn’t really a “best” method to buy coverage. Every situation is different so this has to be addressed. For instance, these questions might point out whether or not you would benefit from an agent’s advice.

  • When should I buy a commercial auto policy?
  • Can my teen drive my company car?
  • Can I rent a car in Mexico?
  • Is my custom paint covered by insurance?
  • How do I buy GAP insurance?
  • Is my dog or cat covered if injured in an accident?
  • Am I covered if I hit a deer?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk 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.

Car insurance coverage basics

Having a good grasp of your car insurance policy helps when choosing which coverages you need for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring. Listed below are typical coverage types offered by car insurance companies.

Collision coverage protection

Collision coverage pays for damage to your Fusion resulting from a collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like rolling your car, sideswiping another vehicle, hitting a parking meter, crashing into a ditch and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. You can also choose a higher deductible to save money on collision insurance.

Coverage for medical payments

Coverage for medical payments and/or PIP reimburse you for expenses such as chiropractic care, funeral costs and hospital visits. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Liability coverages

This can cover damages or injuries you inflict on other’s property or people that is your fault. It protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined limit which limits claims to one amount without having the split limit caps.

Liability can pay for things such as pain and suffering, repair costs for stationary objects, court costs and structural damage. The amount of liability coverage you purchase is your choice, but buy as high a limit as you can afford.

Comprehensive coverages

This will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like a broken windshield, damage from getting keyed, hail damage and fire damage. The most a car insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured and underinsured coverage

This coverage provides protection when other motorists are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Ford Fusion.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally these limits are similar to your liability insurance amounts.