2015 Ford Fusion Insurance Rates

Looking for lower insurance coverage rates for your Ford Fusion? Are you a victim of overpriced insurance coverage? Believe me, you’re not alone. With consumers having so many insurance coverage companies to choose from, it is hard for the average consumer to locate the most affordable company.

Smart consumers take time to compare prices periodically due to the fact that insurance rates change quite often. Just because you found the lowest rates for Fusion coverage last year you may be paying too much now. So just ignore everything you know about insurance coverage because you’re going to get a crash course in one of the quickest ways to save money, get proper coverage and the best rates.

This article will help educate you on how to get online quotes and some tips to save money. If you currently have car insurance, you will most likely be able to lower your premiums substantially using these techniques. Drivers just need to understand the proper way to compare price quotes online.

How to Get Car Insurance Comparison Quotes

There are a variety of methods to compare 2015 Ford Fusion car insurance quotes, but some are easier and takes less work. You can spend countless hours talking to insurance companies in your area, or you could save time and use the internet to get prices fast.

Most car insurance companies are enrolled in a marketplace that enables customers to enter their policy data once, and each participating company can give them a price based on that data. This eliminates the need for repetitive form submissions to each company.

To access this free quoting program, click here to open in new window.

The only downside to getting quotes like this is you are unable to specify which carriers you will receive quotes from. So if you want to choose from a list of companies for rate comparison, we have assembled a list of companies who write car insurance in your area. Click here for list of insurance companies.

It’s up to you which method you use, but double check that you are using identical information for every company. If the quotes have differing limits it’s not possible to make a fair comparison for your Ford Fusion.

Cut prices on 2015 Ford Fusion insurance

The price of auto insurance can be rather high, but companies offer discounts to help bring down the price. A few discounts will automatically apply when you quote, but some may not be applied and must be inquired about prior to getting the savings. If you aren’t receiving every discount available, you’re just leaving money on the table.

  • Club Memberships – Affiliation with certain professional organizations could qualify you for a break when shopping for auto insurance for Fusion coverage.
  • Safety Course Discount – Completing a driver safety course could cut 5% off your bill and easily recoup the cost of the course.
  • Resident Student – Children who live away from home and do not have access to a covered vehicle can be insured at a reduced rate.
  • Senior Discount – Mature drivers may be able to get reduced rates for Fusion coverage.
  • Accident Free – Drivers who don’t have accidents pay less as compared to frequent claim filers.
  • Life Insurance – Larger companies have a break if you buy life insurance.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control can avoid accidents and therefore earn up to a 10% discount.
  • Military Rewards – Being on active duty in the military can result in better rates.

As a disclaimer on discounts, most discount credits are not given to the entire cost. A few only apply to specific coverage prices like medical payments or collision. Even though it may seem like adding up those discounts means a free policy, you’re out of luck. But any discount will cut your overall premium however.

Companies that possibly offer these money-saving discounts include:

It’s a good idea to ask all companies you are considering which discounts you may be entitled to. Discounts might not apply in your state.

Tailor your coverage to you

When buying adequate coverage, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs so your insurance should reflect that Here are some questions about coverages that may help highlight if your insurance needs will benefit from professional help.

  • Should I have combined single limit or split liability limits?
  • Is business equipment covered while in my vehicle?
  • If my 2015 Ford Fusion is totaled, can I afford another vehicle?
  • How many claims can I have before being cancelled?
  • When would I need additional glass coverage?
  • How does medical payments coverage work?
  • I have health insurance so do I need medical payments coverage?
  • Should I buy full coverage?
  • Am I covered if I drive in a foreign country?
  • Do I need special endorsements for business use of my vehicle?

If you can’t answer these questions but you know they apply to you, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of car insurance companies in your area. It is quick, free and can help protect your family.

Ford Fusion insurance rates are influenced by…

It’s important that you understand the different types of things that play a part in calculating insurance rates. Having a good understanding of what determines base rates allows you to make educated decisions that can help you get much lower annual insurance costs.

Shown below are some of the factors companies use to determine your rates.

  • Multiple policies with one company can save – Many insurance companies will award you with lower prices to people who buy several policies from them, otherwise known as a multi-policy discount. Even if you’re getting this discount you still need to comparison shop to confirm you are receiving the best rates possible. You may still find a better deal by insuring with multiple companies.
  • Don’t skimp on liability – Your policy’s liability coverage provides coverage if you are found to be at fault for damages caused by your negligence. It will provide for a legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so do not skimp.
  • Where you live is a factor – Living in less populated areas has it’s advantages when buying insurance. Less people living in that area means reduced accidents. Urban drivers tend to have congested traffic and longer commute times. Longer commute distances translates into higher accident risk.
  • Being married is a good thing – Getting married can actually save you money when buying insurance. Having a significant other usually means you are more responsible it has been statistically shown that being married results in fewer claims.
  • Credit scores impact insurance rates – A driver’s credit score is a important factor in your rate calculation. Therefore, if your credit is lower than you’d like, you could potentially save money when insuring your 2015 Ford Fusion by spending a little time repairing your credit. People with high credit scores tend to be more responsible than drivers who have poor credit.
  • Save money with special equipment – Driving a car with a theft deterrent system can get you a discount on your insurance. Anti-theft features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your vehicle from being stolen.

Slick advertising tricks that work

Consumers constantly see and hear ads that promise big savings by companies like Allstate, Geico and Progressive. They all say the same thing about savings after switching to them.

How can each company make almost identical claims?

All the different companies can use profiling for the driver that is profitable for them. For example, a driver they prefer could possibly be between 30 and 50, is a homeowner, and has excellent credit. A customer getting a price quote who meets those qualifications gets the lowest rates and is almost guaranteed to save when switching.

Potential insureds who are not a match for the requirements will be charged a more expensive rate and ends up with business not being written. The ads state “drivers who switch” not “people who quote” save money. That’s why insurance companies can confidently make those claims.

That is why you absolutely need to get as many comparisons as possible. You cannot predict which company will provide you with the cheapest Ford Fusion insurance rates.

Auto insurance policy specifics

Understanding the coverages of your auto insurance policy aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Listed below are the normal coverages offered by auto insurance companies.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle from other drivers 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 Ford Fusion.

Since many drivers have only the minimum liability required by law, 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. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Coverage for liability

Liability insurance protects you from damages or injuries you inflict on a person or their property. It protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000. 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 court costs, funeral expenses and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like damage from a tornado or hurricane, fire damage and damage from flooding. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses like X-ray expenses, doctor visits, rehabilitation expenses and ambulance fees. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. They cover you and your occupants and also covers being hit by a car walking across the street. PIP coverage is not available in all states and may carry a deductible

Collision coverage protection

This coverage pays for damage to your Fusion caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things like crashing into a ditch, rolling your car and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to get cheaper collision coverage.

Be a money saver!

Affordable 2015 Ford Fusion insurance is attainable from both online companies and also from your neighborhood agents, so you should compare both in order to have the best chance of saving money. A few companies may not provide you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.

In this article, we presented many ideas to save on insurance. The key concept to understand is the more companies you get rates for, the better your comparison will be. You may be surprised to find that the lowest premiums are with some of the lesser-known companies. Some small companies may have significantly lower rates on certain market segments than the large multi-state companies such as Progressive or Geico.

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