Compare 2017 Ford Fusion Energi Insurance Quotes in 2024

Trying to find lower auto insurance rates for your Ford Fusion Energi? When looking for lower-priced insurance, do you get frustrated by the crazy number of auto insurance providers that you can choose from? consumers have so many options that it can turn into a difficult challenge to compare prices.

You need to check auto insurance prices quite often because auto insurance rates change frequently. Just because you found the best premium rates on Fusion Energi insurance at your last renewal you can probably find a lower rate today. Forget anything you know (or think you know) about auto insurance because we’re going to show you the best way to find better rates and still maintain coverage.

If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using this information. Buying affordable insurance coverage is not that difficult. Nevertheless, consumers benefit from understanding how insurance companies market insurance on the web and take advantage of how the system works.

Buy auto insurance online

To find cheap quotes, there are a couple of ways to compare quotes from auto insurance companies in your area. One of the best ways to lower the rate you pay for 2017 Ford Fusion Energi insurance is to perform an online rate comparison. This can be done in just a few minutes using one of these methods.

Hands down the most simple method to find the lowest comparison rates is an all-inclusive rate comparison. This form keeps you from doing separate forms for each price estimate. A single, simple form gets you price quotes from several companies. It’s definitely the quickest method.

A slightly less efficient method to shop for auto insurance online consists of visiting the website for each individual company and repeat the quote process again and again. For examples sake, let’s assume you want comparison quotes from Farmers, 21st Century and GMAC. In order to compare rates, you need to spend time going to each site individually and repeatedly type in your coverage information, which is why the first method is quicker.

You can use whichever method you prefer to find lower rates, just ensure you are comparing nearly identical coverage limits and deductibles on every quote. If you use mixed coverages it will be impossible to make an equal comparison. Quoting even small variations in coverages can result in a big premium difference. Keep in mind that comparing a wide range of rates helps locate more affordable rates. Some smaller insurers to not give online price quotes, so it’s necessary to compare rates from them as well.

Take advantage of every insurance coverage discount

Some providers do not list all possible discounts very clearly, so the below list has both well-publicized as well as some of the hidden insurance coverage savings.

• Seat Belt Discounts – Forcing all vehicle occupants to buckle up can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
• Anti-lock Brake Discount – Cars and trucks with ABS braking systems or traction control can avoid accidents so companies give up to a 10% discount.
• Discount for Passive Restraints – Options like air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
• Resident Student – Any of your kids who attend college more than 100 miles from home and won’t have access to an insured vehicle could get you a discount.
• Discount for New Cars – Insuring a new car can get you a discount since new model year vehicles have better safety ratings.
• No Accidents – Drivers who stay claim-free pay much less when compared with bad drivers.
• Memberships – Having an affiliation with specific professional or occupational memberships or organizations could trigger savings on insurance coverage.

Don’t be shocked that some credits don’t apply to the overall cost of the policy. Most cut the price of certain insurance coverages like medical payments or collision. So when the math indicates all the discounts add up to a free policy, insurance companies wouldn’t stay in business. Any qualifying discounts will positively reduce your insurance coverage premiums.

A few of the larger companies and some of the premium reductions they offer can be read below.

• Progressive offers premium reductions for continuous coverage, multi-vehicle, online quote discount, online signing, and multi-policy.
• The Hartford includes discounts for air bag, good student, driver training, defensive driver, bundle, vehicle fuel type, and anti-theft.
• Mercury Insurance discounts include low natural disaster claims, multi-car, type of vehicle, annual mileage, and ease of repair.
• GEICO offers discounts for anti-theft, multi-vehicle, military active duty, membership and employees, air bags, and daytime running lights.
• AAA policyholders can earn discounts including multi-policy, good driver, AAA membership discount, multi-car, education and occupation, and anti-theft.
• State Farm may include discounts for multiple policy, Drive Safe & Save, defensive driving training, student away at school, anti-theft, driver’s education, and safe vehicle.

Check with each company which discounts they offer. A few discounts might not be offered on policies everywhere. If you would like to see a list of insurance companies that offer discounts, enter your zip code here.

Learn how to quote insurance for less

Many factors are considered when you get a price on insurance. Some factors are common sense like an MVR report, but others are not quite as obvious such as your credit history or your vehicle rating. The best way to find cheaper insurance is to take a look at some of the things that are used to determine the level of your policy premiums. If you have a feel for what determines premiums, this empowers consumers to make smart changes that could help you find better insurance rates.

Shown below are some of the things utilized by car insurance companies to help set rates.

• Having a spouse brings a discount – Your spouse can get you a discount on your insurance policy. Having a spouse generally demonstrates drivers are more mature than a single person and insurance companies reward insureds because married drivers tend to file fewer claims.
• Big city or small town – Living in less populated areas may provide you with better prices if you are looking for the lowest rates. People who live in big cities regularly have more aggressive driving styles and a longer drive to work. Fewer people means reduced accidents in addition to lower liability claims
• Gender and auto insurance – Over time, data shows women tend to be less risk to insure than men. Now that doesn’t mean females are better drivers. Men and women are responsible for at-fault accidents at about the same rate, but guys cause more damage. Men also get higher numbers of serious violations like DWI (DUI) or reckless driving.
• Better premiums on cars with good safety ratings – Safe vehicles tend to be cheaper to insure. Safer cars reduce occupant injuries and better occupant protection translates into savings for insurance companies and cheaper rates on your policy. If your Ford Fusion Energi scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may cost less to insure.

How to know if you need help

When choosing the best car insurance coverage, there is no one size fits all plan. Everyone’s situation is a little different.

For instance, these questions can aid in determining if your insurance needs would benefit from professional advice.

• Should I file a claim if it’s only slightly more than my deductible?
• When would I need additional glass coverage?
• Are all vehicle passengers covered by medical payments coverage?
• Do I need more liability coverage?
• Do I need PIP coverage since I have good health insurance?
• Is a blown tire covered by insurance?
• How high should my medical payments coverage be?
• Why am I required to buy high-risk coverage?
• Is my camper covered by my car insurance policy?
• Does insurance cover damages from a DUI accident?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete your zip code.

Save $422 a year? Really?

Progressive, Allstate and GEICO consistently run television, radio, and online ads. All the companies make the same claim that drivers will save a bundle if you change your policy. How can each company claim to save you money? It’s all in the words they use.

Many companies have a preferred profile for the type of customer that makes them money. For example, this type of driver should be married and over the age of 30, carries full coverage, and drives a safe vehicle. Anybody who meets those qualifications will most likely get cheap premium rates and will probably save money with a new company.

Consumers who do not meet the requirements may receive a more expensive rate and this can result in the customer not buying. The ad wording is “drivers that switch” not “all people who quote” save money. This is how companies can truthfully advertise the way they do. Each company has different criteria, so you need to compare free insurance quotes often. It is impossible to predict with any certainty which company will have the lowest rates.

Car insurance coverage options for a Ford Fusion Energi

Having a good grasp of your car insurance policy can help you determine which coverages you need and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays for damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like damage from getting keyed, hitting a deer, damage from a tornado or hurricane and a broken windshield. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as damage to your Ford Fusion Energi.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for expenses such as surgery, pain medications, ambulance fees, doctor visits and X-ray expenses. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Collision protection

Collision coverage pays for damage to your Fusion Energi resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims such as sideswiping another vehicle, backing into a parked car, hitting a mailbox, scraping a guard rail and damaging your car on a curb. This coverage can be expensive, so consider dropping it from older vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Liability auto insurance

Liability insurance provides protection from damage or injury you incur to other people or property. This coverage protects you from legal claims by others. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 which means $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged property.

Liability coverage protects against things like repair bills for other people’s vehicles, medical expenses, bail bonds, repair costs for stationary objects and funeral expenses. How much liability should you purchase? That is your choice, but you should buy as large an amount as possible.

Compare but don’t skimp

Consumers who switch companies do it for many reasons like not issuing a premium refund, unfair underwriting practices, being labeled a high risk driver and denial of a claim. No matter why you want to switch, finding a new insurance coverage company is less work than it seems.

In this article, we presented some good ideas how to get a better price on 2017 Ford Fusion Energi insurance. The key thing to remember is the more price quotes you have, the better your comparison will be. You may even discover the best price on insurance coverage is with an unexpected company.

As you quote insurance, don’t be tempted to skimp on critical coverages to save a buck or two. Too many times, someone sacrificed collision coverage only to discover later that the small savings ended up costing them much more. Your aim should be to purchase plenty of coverage at the best price but still have enough coverage for asset protection.