2016 Ford Fusion Energi Insurance Cost – 7 Discounts for Best Prices

Are you sick and tired of being strong-armed to pay your car insurance bill each month? Your situation is no different than many other drivers. Because you have many companies and agents to choose from, it can be impossible to choose the most affordable company.

Do you qualify for a discount?

Insurance can be prohibitively expensive, but there are discounts available that many people don’t even know exist. Certain discounts will be triggered automatically at the time of purchase, but a few need to be specially asked for before you will receive the discount. If you don’t get every credit available, you’re just leaving money on the table.

  • Braking Control Discount – Anti-lock brake equipped vehicles prevent accidents and qualify for as much as a 10% discount.
  • Discount for Good Grades – Performing well in school can be rewarded with saving of up to 25%. The discount lasts up until you turn 25.
  • Passive Restraint Discount – Factory air bags and/or automatic seat belt systems can qualify for discounts up to 30%.
  • Multiple Policy Discount – When you combine your home and auto insurance with one insurance company you may earn approximately 10% to 15%.
  • No Charge for an Accident – A handful of insurance companies allow you one accident before hitting you with a surcharge so long as you haven’t had any claims for a set time period.
  • Defensive Driver – Completing a driver safety course can save you 5% or more and easily recoup the cost of the course.
  • Accident Free – Claim-free drivers pay much less when compared to frequent claim filers.

It’s important to note that some credits don’t apply to the overall cost of the policy. Most cut the price of certain insurance coverages like comprehensive or collision. Just because you may think all those discounts means the company will pay you, car insurance companies aren’t that generous. But all discounts will reduce your premiums.

For a list of insurers offering car insurance discounts, click here.

What coverages do I need?

When buying adequate coverage for your vehicles, there is no cookie cutter policy. Your needs are not the same as everyone else’s so this has to be addressed. These are some specific questions may help highlight whether or not you could use an agent’s help.

  • How do I buy GAP insurance?
  • Can my babysitter drive my car?
  • Am I covered if I wreck a rental car?
  • Should I put collision coverage on all my vehicles?
  • What can I do if my company won’t pay a claim?
  • Is pleasure use cheaper than using my 2016 Ford Fusion Energi to commute?
  • Is there coverage for injuries to my pets?
  • When does my teenage driver need to be added to my policy?
  • Am I covered if hit by an uninsured driver?

If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.

Misconceptions in insurance coverage advertisements

Consumers get pounded daily by advertisements that promise big savings from the likes of State Farm and Allstate. All the companies make the same claim that you’ll save big if you move your coverage to them.

How does each company make almost identical claims?

Insurance companies are able to cherry pick for the right customer that earns them a profit. A good example of a desirable insured could be over the age of 50, insures multiple vehicles, and has a short commute. Any new insured who fits that profile receives the best rates and is almost guaranteed to pay quite a bit less when switching companies.

Potential customers who are not a match for these standards will be quoted higher prices and ends up with business not being written. The ads say “people who switch” not “everyone that quotes” save that much. This is how insurance companies can make those claims.

This emphasizes why it is so important to compare as many rates as you can. It’s not possible to predict which insurance companies will fit your personal profile best.

Insurance specifics

Having a good grasp of your policy aids in choosing the right coverages for your vehicles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. These are typical coverage types available from insurance companies.

Collision coverages – This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision can pay for claims such as crashing into a ditch, colliding with a tree, damaging your car on a curb and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Comprehensive protection – This coverage pays for damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as a tree branch falling on your vehicle, theft, rock chips in glass, a broken windshield and fire damage. The most a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured or underinsured coverage – Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time these limits are identical to your policy’s liability coverage.

Medical expense coverage – Med pay and PIP coverage reimburse you for expenses for prosthetic devices, funeral costs, EMT expenses and surgery. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Coverage for liability – Liability coverage will cover damage that occurs to people or other property that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things like court costs, repair bills for other people’s vehicles, repair costs for stationary objects, attorney fees and pain and suffering. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Have money to burn

Discount 2016 Ford Fusion Energi insurance can be bought on the web and with local insurance agents, so you should compare both to have the best selection. There are still a few companies who do not offer online quoting and many times these regional insurance providers only sell through independent insurance agents.

In this article, we presented quite a bit of information on how to save on insurance. The key thing to remember is the more price quotes you have, the better your comparison will be. Consumers could even find that the lowest priced insurance comes from the least-expected company. These companies can often provide lower rates in certain areas than their larger competitors like Allstate, Geico and Progressive.

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