Save on 2008 Ford Fusion Car Insurance Rates

I can’t think of a single person who likes paying for insurance coverage, in particular when the cost is too high.

With consumers having so many companies to choose from, it is hard for the average consumer to choose the most affordable insurance company.

You should make it a habit to take a look at other company’s rates once or twice a year because insurance rates are rarely the same from one policy term to another. If you had the best price for Fusion coverage two years ago a different company probably has better rates today. Forget all the misinformation about insurance coverage because you’re about to find out one of the quickest ways to find better coverage at a better price.

You probably qualify for some discounts

Car insurance companies don’t list all available discounts in a way that’s easy to find, so the following is a list of some of the best known and the harder-to-find discounts you could be receiving.

  • Air Bag Discount – Cars that have air bags or automatic seat belts can qualify for discounts of 20% or more.
  • Memberships – Affiliation with a professional or civic organization could trigger savings on insurance for Fusion coverage.
  • Employee of Federal Government – Active or retired federal employment may qualify you for a discount for Fusion coverage with select insurance companies.
  • Anti-theft Discount – Cars that have factory anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Student in College – Youth drivers living away from home attending college without a vehicle on campus can receive lower rates.

Consumers should know that some of the credits will not apply to the entire cost. Some only reduce the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like all those discounts means the company will pay you, it doesn’t quite work that way.

A partial list of companies that may have some of the above discounts are:

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

Compare Quotes for Auto Insurance

All the larger auto insurance companies give prices on their websites. Obtaining pricing is fairly simple as you simply type in your required coverages into the quote form. When the form is submitted, their system sends out for your driving record and credit report and gives you a price quote determined by many factors. Online quotes streamlines rate comparisons, but the time required to go to multiple sites and fill out multiple forms is monotonous and tiresome. But it is imperative to get many rate quotes in order to find the lowest price.

There is an easier way!

The quickest way to lower your auto insurance bill uses one form to get prices from more than one company. It’s a real time-saver, helps eliminate reptitive entry, and makes quoting online much more efficient. After your information is entered, it gets priced and you are able to buy any of the pricing results. If you find a better price it’s easy to complete the application and purchase coverage. The whole process takes just a few minutes to complete and you will find out if you’re overpaying now.

To compare rates now, click here to open in a new tab and fill out the form. To compare your current rates, we recommend you copy the limits and deductibles as shown on your current policy. This ensures you will have a price comparison using the exact same coverages.

Lesser-known factors impacting Ford Fusion insurance rates

Consumers need to have an understanding of the different types of things that come into play when calculating insurance coverage rates. Understanding what controls the rates you pay enables informed choices that can help you get lower insurance coverage prices.

  • Don’t buy coverages you don’t need – There are many additional coverages that can waste your money if you aren’t careful. Coverages like roadside assistance, accident forgiveness and motor club memberships are some examples. They may seem good initially, but if you don’t need them get rid of them and save.
  • Discounts for multiple policies – Most companies give discounts to policyholders who consolidate policies with them in the form of a multi-policy discount. If you currently are using one company, it’s in your best interest to compare other company rates to confirm you are receiving the best rates possible. You may still be able to find better rates by buying insurance coverage from a different company.
  • Sex matters – Statistics demonstrate women tend to be less risk to insure than men. That doesn’t necessarily mean that men are WORSE drivers than women. Both sexes tend to get into accidents at about the same rate, but the men cause more damage. Men also statistically have more aggressive citations such as DWI and reckless driving. Youthful male drivers tend to get in the most accidents and therefore have the most expensive insurance coverage rates.
  • Your insurance coverage rates can be influenced by your job – Did you know your occupation can influence how much you pay for insurance coverage? Careers like real estate brokers, social workers and accountants have higher rates than average in part from high stress levels and lengthy work days. On the flip side, jobs such as farmers, athletes and homemakers get better rates for Fusion coverage.
  • A lapse in coverage is a bad thing – Driving with no insurance can get your license suspended and as a result your rates will increase for letting your insurance lapse. And not only will insurance be more expensive, but being ticketed for driving with no insurance can result in a revoked license or a big fine.

There’s no such thing as the perfect policy

When buying coverage, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s so your insurance should reflect that For instance, these questions may help you determine whether or not you may require specific advice.

  • What are the best liability limits?
  • Does my policy pay for OEM or aftermarket parts?
  • Do I need added coverage for expensive stereo equipment?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Is my cargo covered for damage or theft?
  • Should I bundle my homeowners policy with my auto?
  • What vehicles should carry emergency assistance coverage?

If you don’t know the answers to these questions then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of insurance companies in your area.

Save $485 a year? Really?

Auto insurance providers like 21st Century, Allstate and State Farm constantly bombard you with ads in print and on television. They all make the same claim of big savings if you switch your coverage to them. How does each company make the same claim? This is how they do it.

All companies are able to cherry pick for the type of customer that earns them a profit. For instance, a preferred risk might be between 30 and 50, has no driving citations, and drives less than 7,500 miles a year. A customer who matches those parameters will get very good rates and therefore will save when they switch companies.

Potential customers who fall outside the “perfect” profile will be charged more money and ends up with business not being written. The ad wording is “drivers who switch” but not “drivers who get quotes” save that much. This is how companies can state the savings. That is why you should compare as many rates as you can. Because you never know which insurance companies will provide you with the cheapest Ford Fusion insurance rates.

Detailed coverages of your insurance policy

Knowing the specifics of your insurance policy can help you determine the right coverages and the correct deductibles and limits. Insurance terms can be confusing and reading a policy is terribly boring. Below you’ll find typical coverages found on the average insurance policy.

Liability coverages

Liability coverage protects you from damage or injury you incur to people or other property. This insurance protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims like emergency aid, attorney fees and repair costs for stationary objects. How much coverage you buy is a personal decision, but you should buy as large an amount as possible.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance pay for immediate expenses like doctor visits, EMT expenses and rehabilitation expenses. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Comprehensive coverages

This covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like damage from getting keyed, falling objects, damage from flooding, rock chips in glass and hitting a bird. The most you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like hitting a mailbox, sideswiping another vehicle, crashing into a ditch and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to bring the cost down.

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your 2008 Ford Fusion.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

In conclusion

As you restructure your insurance plan, it’s a bad idea to reduce coverage to reduce premium. There are a lot of situations where consumers will sacrifice comprehensive coverage or liability limits only to find out that the savings was not a smart move. The proper strategy is to get the best coverage possible at an affordable rate, not the least amount of coverage.

In this article, we presented many ideas to reduce 2008 Ford Fusion insurance prices online. The key thing to remember is the more rate comparisons you have, the higher the chance of saving money. You may even find the best price on insurance coverage is with a small mutual company. They may only write in your state and offer lower rates compared to the large companies like Geico and State Farm.

For more information, take a look at the following helpful articles: