2012 Ford Fusion Car Insurance Quotes – 10 Ideas for Cheaper Rates

Trying to find the cheapest car insurance rates for your Ford Fusion? Cutting costs on car insurance can seem to be difficult for people who are new to shopping for insurance online. You have so many options that it can easily become more work than you anticipated to find lower rates.

If you currently have car insurance, you should be able to cut costs considerably using this information. This article will let you in on the most effective way to quote insurance and some money-saving tips. But consumers must know how insurance companies determine prices.

Discounts on Ford Fusion insurance

Companies don’t always list all their discounts in an easy-to-find place, so we researched some of the more common as well as the least known auto insurance savings.

  • Safe Driver Discount – Insureds without accidents can pay as much as 50% less for Fusion coverage than less cautious drivers.
  • Multi-car Discount – Buying coverage for more than one vehicle on one policy may reduce the rate for each vehicle.
  • Discount for Life Insurance – Some companies give lower rates if you buy life insurance from them.
  • One Accident Forgiven – A few companies permit an accident before hitting you with a surcharge if you are claim-free for a set time period.
  • Save with a New Car – Insuring a new car is cheaper since new cars are generally safer.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to take driver’s ed class in high school.
  • Clubs and Organizations – Affiliation with a qualifying organization is a good way to get lower rates on your policy for Fusion coverage.
  • Distant Student – Youth drivers who live away from home and do not have access to a covered vehicle can be insured at a reduced rate.
  • Anti-theft Discount – Anti-theft and alarm systems help deter theft and therefore earn up to a 10% discount.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems can avoid accidents and will save you 10% or more.

As a disclaimer on discounts, most of the big mark downs will not be given to the entire policy premium. Most only apply to individual premiums such as collision or personal injury protection. Even though it may seem like adding up those discounts means a free policy, you won’t be that lucky.

Insurance companies that may offer these benefits are:

It’s a good idea to ask each insurance company how you can save money. Savings might not apply in every state.

Tailor your coverage to you

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

Here are some questions about coverages that may help you determine if your insurance needs could use an agent’s help.

  • What is the ISO rating for a 2012 Ford Fusion?
  • What is PIP insurance?
  • How does medical payments coverage work?
  • Does car insurance cover theft of personal property?
  • Does my car insurance cover rental cars?
  • Do I need higher collision deductibles?
  • Should I bundle my homeowners policy with my auto?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form.

Insurance myths debunked

State Farm, Allstate and Geico consistently run television and radio advertisements. All the companies make an identical promise that you can save if you change to their company. How can each company make almost identical claims? It’s all in the numbers.

Insurance companies have a preferred profile for the driver that earns them a profit. An example of a desirable insured might be a mature driver, has no driving citations, and has a short commute. Any driver that hits that “sweet spot” will get very good rates and most likely will save a lot of money.

Consumers who don’t qualify for this ideal profile will have to pay higher rates and this can result in business not being written. The ads state “customers who switch” but not “drivers who get quotes” save that much. That is how insurance companies can confidently state the savings. Because of the profiling, drivers should quote coverage with many companies. It’s not possible to predict which insurance companies will have the lowest Ford Fusion insurance rates.

Car insurance 101

Understanding the coverages of insurance helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Ford Fusion.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Comprehensive insurance

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like hitting a deer, theft, fire damage, rock chips in glass and damage from a tornado or hurricane. The highest amount your insurance company will pay is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as nursing services, funeral costs and chiropractic care. They are often used in conjunction with a health insurance policy or if you do not have health coverage. It covers both the driver and occupants and will also cover getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Collision insurance

Collision insurance will pay to fix damage to your Fusion resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as sideswiping another vehicle, crashing into a building and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Liability

This provides protection from damages or injuries you inflict on a person or their property. It protects YOU against claims from other people. It does not 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. You commonly see liability limits of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things such as repair bills for other people’s vehicles, medical services, legal defense fees and court costs. How much liability coverage do you need? That is a personal decision, but consider buying as much as you can afford.

Stretch your dollar

As you go through the steps to switch your coverage, make sure you don’t reduce needed coverages to save money. There are a lot of situations where an insured dropped physical damage coverage and discovered at claim time they didn’t purchase enough coverage. Your strategy should be to buy enough coverage at an affordable rate while still protecting your assets.

In this article, we presented many ideas to compare 2012 Ford Fusion insurance prices online. The key concept to understand is the more companies you get rates for, the better likelihood of reducing your rate. Consumers could even find that the biggest savings come from a small mutual company.

Cost effective insurance is possible from both online companies and also from your neighborhood agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance coverage companies may not provide you the ability to get quotes online and these regional insurance providers work with independent agents.

Even more information is located at these sites: