Compare 2017 Ford Fusion Insurance Quotes

Searching for cheaper insurance for your Ford Fusion can turn out to be an all-consuming task, but you can use our insurance buying tips to save time.

There is a better way to buy insurance so we’re going to tell you the absolute fastest way to quote coverages for your Ford and find the best price possible from local insurance agents and online providers.

Smart consumers take time to compare prices occasionally due to the fact that insurance rates tend to go up over time. Just because you found the lowest rates on Fusion coverage six months ago the chances are good that you can find a lower rate today. Forget all the misinformation about insurance because you’re about to learn the right way to lower your rates without sacrificing coverage.

Factors that can influence Ford Fusion insurance rates

Smart consumers have a good feel for the factors that play a part in calculating auto insurance rates. Knowing what determines base rates allows you to make educated decisions that could result in much lower annual insurance costs.

  • High numbers of claims are not good – Car insurance companies provide cheaper rates to insureds who are claim-free. If you are a frequent claim filer, you can look forward to higher rates. Insurance coverage is designed for major claims that would cause financial hardship.
  • A clean driving record saves money – Your driving record impacts your car insurance rates tremendously. Drivers with clean records get better rates compared to drivers with tickets. Only having one moving violation may increase your cost by twenty percent. Drivers who get flagrant violations such as hit and run, DWI or reckless driving convictions may be required to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to keep their license.
  • Big city or small town – Residing in a rural area is a positive aspect when it comes to auto insurance. Less people living in that area translates into fewer accidents. City drivers have to deal with more traffic problems and longer commute times. More time on the road means higher likelihood of an accident.
  • Teen drivers pay high rates – Young drivers are statistically proven to be more careless when behind the wheel so auto insurance rates are higher. Older insureds are viewed as being more responsible, tend to file fewer claims and tend to be better behind the wheel.

Free Quotes for Insurance Coverage

Reducing your 2017 Ford Fusion insurance rates is surprisingly easy. All you need to do is spend a little time comparing rate quotes online from several insurance companies. This can be accomplished in just a few minutes using one of these methods.

  • The fastest way to find low rates is an all-inclusive rate comparison like this one (opens in new window). This method prevents you from having to do separate quote forms for every insurance coverage company. Taking the time to complete one form gets you coverage quotes from multiple low-cost companies. It’s definitely the quickest method.
  • A different way to find lower rates is going to the website for every company you want to comare to request a price quote. For examples sake, we’ll assume you want rates from GEICO, Liberty Mutual and GMAC. To get each rate you have to take the time to go to each site to enter your coverage information, which is why most consumers use the first method. For a list of links to companies insuring cars in your area, click here.

It’s up to you which method you use, but ensure you’re using identical coverage limits and deductibles for each price quote. If you use mixed coverages you will not be able to make a fair comparison for your Ford Fusion.

Discounts are basically free money

Insuring your vehicles can cost a lot, but you may find discounts that you may not know about. Most are applied when you quote, but a few must be manually applied before you will receive the discount. If you aren’t receiving every discount you deserve, you’re paying more than you need to.

  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of paying each month you can actually save on your bill.
  • Discount for Good Grades – Performing well in school can earn a discount of 20% or more. Earning this discount can benefit you up until you turn 25.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.
  • Accident Free – Drivers with accident-free driving histories pay much less when compared with accident-prone drivers.
  • New Car Discount – Buying coverage on a new vehicle is cheaper because new vehicles have to meet stringent safety requirements.
  • Multi-car Discount – Buying insurance for more than one vehicle on one policy could earn a price break for each car.

A little note about advertised discounts, most credits do not apply the the whole policy. A few only apply to the cost of specific coverages such as liability and collision coverage. So when it seems like having all the discounts means you get insurance for free, you’re out of luck. But all discounts will cut your overall premium however.

Insurance companies that may offer these benefits include:

Double check with each insurance company how you can save money. Discounts might not be offered in every state.

Which insurance is the “right” coverage?

When choosing proper insurance coverage, there is no “best” method to buy coverage. Everyone’s needs are different.

For instance, these questions may help highlight if you will benefit from professional help.

  • Am I covered if I drive in a foreign country?
  • What should my uninsured motorist coverage limits be in my state?
  • Am I covered if hit by an uninsured driver?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Where can I find high-risk insurance?
  • Can I drive in Mexico and have coverage?
  • Can I rate high risk drivers on liability-only vehicles?
  • Should I rate my 2017 Ford Fusion as pleasure use or commute?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and can help protect your family.

Insurance coverages and their meanings

Having a good grasp of your policy aids in choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Collision – Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as crashing into a ditch, sideswiping another vehicle, rolling your car and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for expenses for things like surgery, doctor visits, hospital visits, chiropractic care and EMT expenses. The coverages can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Auto liability – This protects you from damages or injuries you inflict on other people or property by causing an accident. It protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 which means a limit of $25,000 per injured person, $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 rather than limiting it on a per person basis.

Liability coverage protects against things such as emergency aid, funeral expenses, structural damage and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but buy as large an amount as possible.

Comprehensive coverage (or Other than Collision) – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as theft, vandalism and damage from a tornado or hurricane. The maximum amount your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Ford Fusion.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

You can do this!

Lower-priced 2017 Ford Fusion insurance is available from both online companies and also from your neighborhood agents, so compare prices from both in order to have the best price selection to choose from. Some insurance companies may not provide the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

We just presented a lot of ways to save on insurance. The key thing to remember is the more companies you get rates for, the better likelihood of reducing your rate. Drivers may discover the best prices are with a small local company.

As you shop your coverage around, it’s not a good idea to buy poor coverage just to save money. There have been many cases where consumers will sacrifice comprehensive coverage or liability limits and found out when filing a claim that it was a big mistake. Your strategy should be to buy enough coverage at an affordable rate.

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