Have you finally had enough of scraping the payment together to buy insurance? Your situation is no different than millions of other people. Because you have many insurance companies to choose from, it’s nearly impossible to pick the cheapest insurer.
You need to compare prices as often as possible since prices are constantly changing. Even if you think you had the lowest quotes on Fusion insurance two years ago you may be paying too much now. There is a lot of bad advice regarding insurance online, but I’m going to show you some tested techniques to reduce your insurance bill.
The purpose of this post is to familiarize you with how to get online quotes and some tips to save money. If you have car insurance now, you should be able to reduce your rates substantially using these techniques. Consumers just need to learn the proper methods to compare rates online.
There are several ways to compare insurance prices and some are less labor-intensive and much quicker. You can spend your afternoon driving to agents in your area, or you could use the web for quick rates.
All the larger companies participate in a marketplace where prospective buyers enter their coverage request one time, and each company then returns a price quote for coverage. This system prevents you from having to do quotation requests for each company. To access this free quoting program, click here (opens in new window).
The only downside to pricing coverage this way is you are unable to specify which companies to get quotes from. So if you want to choose from a list of companies to request quotes from, we have assembled a list of low cost insurance companies in your area. View list of insurance companies.
It’s up to you which method you use, but make sure you are using nearly identical coverages and limits with every price quote. If you have higher or lower deductibles it will be nearly impossible to get a fair rate comparison.
Many things are part of the calculation when premium rates are determined. Some are pretty understandable such as your driving history, but other factors are not as apparent such as whether you are married and annual miles driven.
The itemized list below are some of the factors used by insurance companies to determine your rates.
Car insurance companies don’t always advertise all possible discounts in a way that’s easy to find, so we took the time to find a few of the more well known as well as some of the hidden discounts that may be available.
Please keep in mind that most of the big mark downs will not be given to your bottom line cost. Some only reduce specific coverage prices like collision or personal injury protection. So even though they make it sound like you could get a free car insurance policy, it’s just not the way it works. But any discount will lower the premium cost.
A few companies that may offer some of the discounts shown above are:
Before purchasing a policy, check with each company which discounts you may be entitled to. All car insurance discounts may not apply to policies in your area. To locate insurance companies with discount rates, click here.
When buying the best car insurance coverage, there isn’t really a perfect coverage plan. Everyone’s situation is unique and your policy should reflect that. For instance, these questions may help highlight whether or not you might need professional guidance.
If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can help protect your family.
Understanding the coverages of a car insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording. These are the normal coverages found on most car insurance policies.
This coverage will pay to fix damage to your Fusion resulting from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.
Collision can pay for claims such as crashing into a building, colliding with another moving vehicle and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to increase the deductible to bring the cost down.
Comprehensive (Other than Collision)
Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for claims such as a broken windshield, vandalism and a tree branch falling on your vehicle. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Medical expense insurance
Coverage for medical payments and/or PIP provide coverage for expenses for things like EMT expenses, prosthetic devices, X-ray expenses, hospital visits and chiropractic care. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers all vehicle occupants as well as being hit by a car walking across the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay
Protection from uninsured/underinsured drivers
This coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.
Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Normally these coverages do not exceed the liability coverage limits.
Liability coverage can cover damages or injuries you inflict on people or other property by causing an accident. It protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.
Liability coverage protects against claims like repair bills for other people’s vehicles, court costs and emergency aid. The amount of liability coverage you purchase is up to you, but you should buy as large an amount as possible.
Some insurance providers don’t offer online quoting and many times these smaller providers sell through independent insurance agencies. The cheapest 2013 Ford Fusion insurance is definitely available on the web in addition to local insurance agencies, and you need to comparison shop both to have the best chance of lowering rates.
We just covered quite a bit of information on how to get a better price on 2013 Ford Fusion insurance. The key thing to remember is the more price quotes you have, the higher your chance of finding inexpensive insurance. You may be surprised to find that the biggest savings come from an unexpected company. Regional companies can often provide lower prices in certain areas as compared to the big name companies such as Progressive or GEICO.
More tips and info about insurance coverage is available in these articles: