2017 Ford Fusion Car Insurance Rates

Searching for better insurance rates for your Ford Fusion? Locating better insurance prices for your Ford Fusion can normally be a lot of work, but you can learn these tips to find lower rates.

There are more efficient ways to shop for insurance so you’re going to learn the best way to get price quotes for a Ford and find the cheapest rates from both online companies and local agents.

How to Get Insurance Comparison Quotes

Getting better 2017 Ford Fusion insurance pricing isn’t really that difficult. All you need to do is invest a few minutes comparing price quotes online with multiple companies. This is very easy and can be done in several different ways.

  1. One of the best ways to find low rates is an all-inclusive rate comparison (click to open form in new window). This easy form keeps you from doing boring form submissions for every insurance company. A single, simple form gets you price quotes direct from many companies. It’s definitely the quickest method.
  2. A slightly less efficient method to analyze rates requires visiting the website for every company you want to comare to request a price quote. For instance, let’s say you want comparison quotes from Nationwide, Farmers and State Farm. To get each rate you have to visit each site and enter your policy data, which is why the first method is more popular. For a handy list of car insurance company links in your area, click here.

However you get your quotes, make sure you use apples-to-apples coverage information for each comparison quote. If you enter different values for each quote it will be next to impossible to determine the lowest rate for your Ford Fusion.

Ford Fusion insurance rates can be determined by these details

An important part of buying insurance is that you know some of the elements that come into play when calculating the rates you pay for insurance coverage. When you know what positively or negatively determines base rates enables informed choices that may reward you with better insurance coverage rates.

  • Rates may be higher depending on your occupation – Did you know that where you work can have an impact on rates? Occupations such as judges, executives and stock brokers are shown to have the highest rates due to stressful work requirements and long work days. On the other hand, occupations like farmers, students and performers pay the least for Fusion coverage.
  • Higher deductibles cost less – Insurance for physical damage to your car, also known as collision and other-than-collision, protects your Ford from damage. Some examples of claims that would be covered are collision with another vehicle, collision with an animal, and burglary. Your deductibles are the amount of money you are required to spend before your insurance coverage pays a claim. The more the insured has to pay upfront, the lower your rates will be for Fusion coverage.
  • Liability coverage is cheap – The liability section of your policy will protect you when you are found to be at fault for damages caused by your negligence. It provides for a legal defense starting from day one. Liability insurance is quite affordable compared to insuring for physical damage coverage, so drivers should carry high limits.
  • Safer cars are cheaper to insure – Safer cars get lower rates. These vehicles reduce injuries and any reduction in injury severity means less money paid by your insurance company and thus lower rates. If the Ford Fusion is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
  • Drive less and save money – Driving more miles each year the higher your rate. The majority of insurers price each vehicle’s coverage based on how the vehicle is used. Cars that are left in the garage get more affordable rates compared to those used for work or business. Verify your insurance coverage coverage is rated on the proper vehicle usage. If your policy improperly rates your Fusion can cost quite a bit.
  • Keep rates low by being claim-free – Car insurance companies provide discounts to insureds who are claim-free. If you tend to file frequent claims, you can definitely plan on either higher rates or even cancellation. Auto insurance is intended to be relied upon for larger claims.

Be sure to get all your discounts

Insuring your fleet can be pricey, but there could be available discounts to cut the cost considerably. Some trigger automatically at quote time, but less common discounts must be specifically requested before you will receive the discount. If they aren’t giving you every credit available, you’re paying more than you need to.

  • Save with a New Car – Buying coverage on a new vehicle can be considerably cheaper due to better safety requirements for new cars.
  • Discounts for Safe Drivers – Safe drivers may receive a discount up to 45% less for Fusion coverage than drivers with accident claims.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.
  • Payment Method – If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.
  • No Charge for an Accident – A few companies permit an accident without raising rates so long as you haven’t had any claims prior to the accident.
  • Federal Employees – Simply working for the federal government may qualify you for a discount for Fusion coverage with a few insurance coverage companies.
  • Passive Restraints – Factory air bags can qualify for discounts up to 30%.
  • Auto/Life Discount – Select insurance companies reward you with lower rates if you buy life insurance.
  • Sign Online – A handful of insurance companies may give you up to $50 just for signing your application digitally online.

It’s important to note that most discount credits are not given to the overall cost of the policy. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates all the discounts add up to a free policy, you’re out of luck. But any discount will bring down your overall premium however.

A partial list of companies that may have some of the above discounts may include but are not limited to:

Check with all companies you are considering what discounts are available to you. Some discounts may not apply everywhere.

How do I know if I need professional advice?

When choosing the right insurance coverage for your vehicles, there is no single plan that fits everyone. Your needs are not the same as everyone else’s.

These are some specific questions may help you determine whether your personal situation might need an agent’s assistance.

  • When should I not file a claim?
  • How high should deductibles be on a 2017 Ford Fusion?
  • Do I have any recourse if my insurance company denies a claim?
  • Is a new car covered when I drive it off the dealer lot?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does my policy cover me when driving someone else’s vehicle?
  • What is covered by UM/UIM coverage?
  • Is my dog or cat covered if injured in an accident?
  • Should I rate my 2017 Ford Fusion as pleasure use or commute?

If you don’t know the answers to these questions then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and may give you better protection.

Car insurance coverages for a 2017 Ford Fusion

Understanding the coverages of a insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. Insurance terms can be impossible to understand and coverage can change by endorsement.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Ford Fusion.

Due to the fact that many drivers 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. Most of the time these coverages are set the same as your liablity limits.

Liability coverages – This provides protection from damage or injury you incur to other people or property that is your fault. It protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims like medical services, funeral expenses, repair costs for stationary objects, legal defense fees and loss of income. How much liability coverage do you need? That is up to you, but buy as high a limit as you can afford.

Collision coverage – Collision coverage will pay to fix damage to your Fusion resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as sustaining damage from a pot hole, colliding with another moving vehicle, hitting a mailbox, damaging your car on a curb and crashing into a building. This coverage can be expensive, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.

Comprehensive coverage – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like rock chips in glass, hail damage, fire damage, hitting a deer and damage from flooding. The maximum amount your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical payments coverage and PIP – Med pay and PIP coverage pay for bills for things like ambulance fees, nursing services, dental work and surgery. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Keep this in mind

Insureds change insurance companies for any number of reasons including lack of trust in their agent, questionable increases in premium, high rates after DUI convictions and even not issuing a premium refund. Regardless of your reason for switching companies, switching car insurance companies is not as hard as you think.

We covered some good ideas how to compare 2017 Ford Fusion insurance prices online. The key concept to understand is the more quotes you get, the better your comparison will be. Consumers may even find the best price on car insurance is with a company that doesn’t do a lot of advertising.

As you shop your coverage around, it’s very important that you do not buy less coverage just to save a little money. In too many instances, someone sacrificed liability limits or collision coverage and found out when filing a claim that the few dollars in savings costed them thousands. Your goal should be to get the best coverage possible at the best price.

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