2016 Ford Fusion Insurance Rates – 10 Tips for Cheaper Quotes

Expensive car insurance can take a big chunk out of your savings account and put the squeeze on your family’s finances. Shopping your coverage around is a great way to make sure you’re not throwing money away. Consumers have many auto insurance companies to purchase coverage from, and though it is a good thing to be able to choose, it can be more challenging to find the lowest cost provider.

Smart consumers take time to check car insurance prices every six months because rates tend to go up over time. Despite the fact that you may have had the best price for Fusion coverage a year ago you may be paying too much now. Ignore everything you know about car insurance because you’re about to find out one of the best ways to lower your rates without sacrificing coverage.

Finding the cheapest coverage is quite easy. If you are insured now or need new coverage, you can use these tips to cut your premiums and still get good coverage. Drivers just need to learn the most effective way to shop their coverage around online.

Automobile Insurance Quotes

All major insurance companies quote coverage prices on the web. Getting online rates is fairly simple as you simply enter your coverage information into the quote form. When the form is submitted, their rating system will obtain reports for credit and driving violations and generates a price based on many factors. Being able to quote online simplifies rate comparisons, but the time required to go to many different websites and type in the same information is monotonous and tiresome. Unfortunately, it is important to do this if you want to find better prices.

The easy way to compare rates

An easier way to get multiple rate quotes makes use of a single form that gets price quotes from many companies. It’s a real time-saver, eliminates form submissions, and makes comparison shopping much more enjoyable. Immediately after submitting the form, it is quoted and you can select your choice of the quote results.

If the quotes result in lower rates, it’s easy to complete the application and buy the new coverage. This process takes 15 minutes at the most and you will know how your current rates stack up.

To quickly fill out one form to compare multiple rates now, click here and submit your coverage information. If you have a policy now, it’s recommended that you enter coverages and limits identical to your current policy. Doing this assures you will have rate quotes for exact coverage.

Companies offer discounts so take them!

Insurance can cost an arm and a leg, but there could be available discounts that can drop the cost substantially. Most are applied at the time of purchase, but a few must be specifically requested before they will apply. If they aren’t giving you every credit possible, you’re just leaving money on the table.

  • New Car Discount – Insuring a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
  • College Student – Youth drivers who are attending college and do not have a car may be able to be covered for less.
  • Discount for Life Insurance – Some companies give a break if you buy life insurance.
  • Federal Government Employee – Employees or retirees of the government can save as much as 8% for Fusion coverage with a few car insurance companies.
  • Payment Method – If you pay your bill all at once instead of paying each month you could save 5% or more.
  • Seat Belts Save – Drivers who require all occupants to wear their seat belts can save 10% or more off your PIP or medical payments premium.
  • Save over 55 – If you qualify as a senior citizen, you may qualify for a discount up to 10% for Fusion coverage.
  • Anti-theft System – Anti-theft and alarm systems can help prevent theft and will save you 10% or more.
  • Military Discounts – Being on active duty in the military can result in better rates.
  • Multi-car Discount – Insuring more than one vehicle on one policy could earn a price break for each car.

A little note about advertised discounts, some of the credits will not apply to the entire policy premium. Some only reduce individual premiums such as liability, collision or medical payments. So despite the fact that it appears you could get a free car insurance policy, you’re out of luck. Any amount of discount will cut your overall premium however.

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

Check with all companies you are considering how you can save money. Discounts may not apply everywhere.

Do I just need basic coverages?

When choosing the best insurance coverage coverage, there really is no single plan that fits everyone. Everyone’s situation is unique and your policy should reflect that. Here are some questions about coverages that might help in determining whether your personal situation could use an agent’s help.

  • Is my state a no-fault state?
  • Will my insurance pay for OEM parts?
  • Is my teenager covered with friends in the car?
  • Can I get a multi-policy discount?
  • Am I covered when using my vehicle for business?
  • Do I pay less for low miles?
  • Do I have coverage when making deliveries for my home business?
  • Is pleasure use cheaper than using my 2016 Ford Fusion to commute?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can help protect your family.

Car insurance ads bend the truth

Consumers can’t get away from ads that promise big savings by companies like State Farm, Allstate and Geico. They all seem to have a common claim that you’ll save big if you move to them.

How can each company claim to save you money? It’s all in the numbers.

Different companies have a preferred profile for the type of driver that earns them a profit. An example of a driver they prefer could be over the age of 50, has no tickets, and has excellent credit. A driver that hits that “sweet spot” will get the preferred rates and as a result will probably save when switching.

Drivers who fall outside the “perfect” profile will be charged a higher premium and ends up with the customer not buying. The ads state “drivers who switch” not “everybody who quotes” save that kind of money. That’s the way companies can state the savings.

That is why it is so important to compare many company’s rates. It is impossible to predict the company that will provide you with the cheapest Ford Fusion insurance rates.

Auto insurance coverage breakdown

Learning about specific coverages of your auto insurance policy can be of help when determining the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the usual coverages found on most auto insurance policies.

Collision coverage protection

This coverage will pay to fix damage to your Fusion resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as driving through your garage door, hitting a mailbox, crashing into a ditch and sideswiping another vehicle. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to raise the deductible to bring the cost down.

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as fire damage, damage from a tornado or hurricane and falling objects. The maximum amount your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

UM/UIM Coverage

This gives you protection from other drivers when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your 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. So UM/UIM coverage is a good idea. Frequently these coverages do not exceed the liability coverage limits.

Medical costs insurance

Coverage for medical payments and/or PIP reimburse you for bills for ambulance fees, funeral costs, nursing services and rehabilitation expenses. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants as well as getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Liability auto insurance

This coverage can cover injuries or damage you cause to other people or property by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Occasionally you may see a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims such as legal defense fees, structural damage, medical services, pain and suffering and repair costs for stationary objects. How much liability should you purchase? That is up to you, but buy as large an amount as possible.

A penny earned…

As you prepare to switch companies, it’s very important that you do not buy less coverage just to save a little money. There have been many cases where consumers will sacrifice liability coverage limits only to regret at claim time that the savings was not a smart move. Your strategy should be to find the BEST coverage at an affordable rate.

Budget-conscious 2016 Ford Fusion insurance is attainable both online and with local insurance agents, and you should be comparing both to have the best selection. Some insurance providers do not offer the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

We covered quite a bit of information on how to lower your insurance rates. It’s most important to understand that the more you quote, the higher your chance of finding lower rates. You may even discover the best prices are with a smaller regional carrier. They can often insure niche markets at a lower cost as compared to the big name companies such as Allstate or State Farm.

For more information, feel free to browse the resources below: