How Much Does 2014 Ford Fusion Car Insurance Cost?

Finding lower rates for insurance coverage is difficult for people who are new to shopping for insurance online. You have so many options that it can be more work than you anticipated to find lower rates.

You should make it a habit to get comparison quotes occasionally due to the fact that insurance rates tend to go up over time. Even if you think you had the lowest price on Fusion insurance a couple years back other companies may now be cheaper. There is too much inaccurate information about insurance coverage on the web, but we’re going to give you a lot of great tips on how to buy insurance coverage cheaper.

The fastest way that we advise to compare insurance rates in your area is to understand most of the larger companies allow for online access to give rate comparisons. The only thing you need to do is spend a couple of minutes providing details like if it has an alarm system, what you do for a living, whether your vehicle is owned or leased, and if a SR-22 is needed. That rating data is sent automatically to multiple car insurance providers and you will get price comparisons very quickly.

To compare rates now, click here and find out if you can get cheaper insurance.

Is there deception in advertising?

Car insurance providers like State Farm, Geico and Progressive regularly use television and radio advertisements. They all make the same claim that you’ll save big if you move to them. But how can every company claim to save you money? It’s all in the numbers.

Different companies can use profiling for the right customer that is profitable for them. For instance, a preferred risk might be profiled as over the age of 50, has no tickets, and has excellent credit. A driver who meets those qualifications receives the best rates and therefore will save a lot of money.

Potential customers who are not a match for the “perfect” profile will have to pay more money which usually ends up with the driver buying from a lower-cost company. Company advertisements say “customers that switch” not “people who quote” save money. This is how insurance companies can advertise the way they do. Because of the profiling, you need to get quotes from several different companies. It’s not possible to predict which company will give you the biggest savings on Ford Fusion insurance.

Discounts on 2014 Ford Fusion insurance

Car insurance companies don’t always list all their discounts very clearly, so we break down some of the more common and also the lesser-known savings tricks you should be using.

  • Service Members Pay Less – Being on active duty in the military could mean lower rates.
  • Seat Belts Save more than Lives – Drivers who require all occupants to use a seat belt can save up to 15% on the medical payments or PIP coverage costs.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and earn discounts up to 10%.
  • Multi-policy Discount – When you combine your home and auto insurance with one insurance company you could get a discount of at least 10% off all policies.
  • Distant Student – Kids in college who live away from home and don’t have a car may be able to be covered for less.

A little note about advertised discounts, some of the credits will not apply to all coverage premiums. Most only apply to the cost of specific coverages such as comp or med pay. So when the math indicates it’s possible to get free car insurance, insurance coverage companies aren’t that generous.

For a list of providers who offer insurance coverage discounts, click here to view.

Tailor your coverage to you

When it comes to buying the best auto insurance coverage, there is no “best” method to buy coverage. Everyone’s situation is a little different.

Here are some questions about coverages that might point out whether you might need an agent’s assistance.

  • When would I need rental car insurance?
  • Is my 2014 Ford Fusion covered for smoke damage?
  • Why is insurance for a teen driver so high?
  • Can I afford to pay high deductible claims out of pocket?
  • Will my rates increase for filing one claim?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • What is an SR-22 filing?
  • Do I have any recourse if my insurance company denies a claim?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, complete this form.

Insurance coverages 101

Learning about specific coverages of your insurance policy aids in choosing which coverages you need for your vehicles. Insurance terms can be confusing and nobody wants to actually read their policy.

Liability coverages

This coverage provides protection from damage or injury you incur to other people or property. This insurance protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for claims like medical expenses, loss of income, court costs and repair costs for stationary objects. How much coverage you buy is up to you, but you should buy higher limits if possible.

Comprehensive protection

This pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things like falling objects, hitting a deer and hitting a bird. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision insurance

Collision insurance covers damage to your Fusion resulting from a collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as hitting a mailbox, scraping a guard rail and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your 2014 Ford Fusion.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for things like rehabilitation expenses, nursing services, dental work, surgery and prosthetic devices. The coverages can be utilized in addition to your health insurance program or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

The bottom line

We just showed you quite a bit of information on how to reduce 2014 Ford Fusion insurance prices online. It’s most important to understand that the more rate quotes you have, the more likely it is that you will get a better rate. Drivers may discover the lowest premiums are with a lesser-known regional company.

Discount insurance can be bought from both online companies and also from your neighborhood agents, and you need to comparison shop both to have the best rate selection. Some insurance providers may not provide you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

When buying insurance coverage, do not sacrifice coverage to reduce premiums. In many cases, someone sacrificed comprehensive coverage or liability limits only to regret they didn’t purchase enough coverage. The ultimate goal is to purchase plenty of coverage at a price you can afford, not the least amount of coverage.

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