2014 Ford Fusion Hybrid Insurance Quotes – 9 Discounts for Cheapest Rates

Shoppers have lots of choices when shopping for the lowest priced Ford Fusion Hybrid insurance. They can either spend hours driving around getting price quotes or save time using the internet to find the lowest rates.

There are both good and bad ways to compare insurance coverage rates and we’ll show you the absolute fastest way to compare rates for your Ford and locate the lowest price either online or from local insurance agents.

It’s important to get comparison quotes on a regular basis because insurance coverage prices fluctuate regularly. If you had the lowest price on Fusion Hybrid coverage on your last policy you will most likely find a better rate quote today. Ignore everything you know about insurance coverage because you’re going to get a crash course in the best way to reduce your cost while increasing coverage.

The purpose of this post is to instruct you on the best way to quote coverages and some money-saving tips. If you have car insurance now, you should be able to lower your premiums substantially using this information. Vehicle owners only need an understanding of the best way to get comparison quotes online.

Insurance rates and discounts

Insurance can be pricey, but you might be missing out on some discounts that many people don’t even know exist. Some trigger automatically at the time of quoting, but a few must be inquired about prior to getting the savings.

  • 55 and Retired – Drivers that qualify as senior citizens can possibly qualify for a slight reduction on a insurance coverage quote on Fusion Hybrid coverage.
  • Use Seat Belts – Using a seat belt and requiring all passengers to fasten their seat belts can save up to 15% off PIP or medical payments premium.
  • Clubs and Organizations – Affiliation with a professional or civic organization can get you a small discount on your next renewal.
  • College Student – Children who attend college more than 100 miles from home and do not have a car may be able to be covered for less.
  • Home Ownership Discount – Being a homeowner can save a few bucks because of the fact that having a home means you have a higher level of financial diligence.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles have fewer accidents so you can save 10 percent or more.
  • Early Switch Discount – A few insurance companies allow discounts for buying a new policy prior to your current policy expiration. It’s a savings of about 10%.
  • Fewer Miles Equal More Savings – Low annual miles could qualify for lower rates due to less chance of an accident.
  • Government Employees – Employees or retirees of the government could qualify for a slight premium decrease on Fusion Hybrid coverage with some insurance companies.

While discounts sound great, it’s important to understand that most discounts do not apply to all coverage premiums. Most only reduce the cost of specific coverages such as comprehensive or collision. If you do the math and it seems like all the discounts add up to a free policy, it’s just not the way it works.

For a list of insurance companies with the best discounts, click this link.

Situations that may require an agent’s advice

When it comes to choosing coverage for your personal vehicles, there really is not a single plan that fits everyone. Everyone’s situation is a little different.

For example, these questions could help you determine if your situation might need professional guidance.

  • Does insurance cover tools stolen from my truck?
  • Am I covered when driving on a suspended license?
  • Do I need motorclub coverage?
  • Does medical payments coverage apply to all occupants?
  • What is high-risk coverage and where do I buy it?
  • Are rental cars covered under my policy?
  • Will my insurance pay for OEM parts?
  • Does my liability insurance cover pulling a trailer or camper?

If you can’t answer these questions, you may need to chat with an agent. To find an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Do car insurance companies bend the truth?

Consumers constantly see and hear ads for the lowest price car insurance by GEICO, State Farm and Progressive. All the ads advertise the message about how much you will save after switching your policy.

How is it plausible that every one can charge you less for auto insurance? Just pay attention to how they say it.

All companies have specific criteria for the type of customer that earns them the highest profit. For instance, this type of insured should be a mature driver, has a clear driving record, and drives less than 5,000 miles a year. Anyone that hits that “sweet spot” will most likely get cheap prices as well as cut their rates if they switch.

Potential customers who don’t meet the requirements will be charged a higher rate and this can result in business not being written. The trick companies use is to say “drivers who switch” not “everybody who quotes” can save as much as they claim. That’s why insurance companies can confidently make those claims.

Each company has different criteria, so it’s extremely important to compare quotes as often as possible. It’s impossible to know the company that will have the lowest rates.

Detailed coverages of your car insurance policy

Learning about specific coverages of your car insurance policy can help you determine the right coverages for your vehicles. Car insurance terms can be confusing and coverage can change by endorsement.

Protection from uninsured/underinsured drivers – This coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries as well as damage to your Ford Fusion Hybrid.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Usually the UM/UIM limits are similar to your liability insurance amounts.

Medical expense insurance – Medical payments and Personal Injury Protection insurance pay for bills for things like chiropractic care, rehabilitation expenses and ambulance fees. They are often used in conjunction with a health insurance program or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Collision coverages – Collision coverage will pay to fix damage to your Fusion Hybrid resulting from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims such as colliding with a tree, backing into a parked car and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive (Other than Collision) – This coverage covers damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like hail damage, rock chips in glass and damage from getting keyed. 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 consider removing comprehensive coverage.

Liability insurance – This coverage provides protection from injuries or damage you cause to people or other property that is your fault. It protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things like emergency aid, funeral expenses, legal defense fees, repair bills for other people’s vehicles and court costs. How much coverage you buy is your choice, but buy higher limits if possible.

Spend less. Save more.

You just read many ideas to get a better price on 2014 Ford Fusion Hybrid insurance. The key thing to remember is the more companies you get auto insurance rates for, the higher your chance of finding the cheapest insurance coverage. You may even find the biggest savings come from a small mutual company.

Consumers switch companies for any number of reasons including delays in paying claims, questionable increases in premium, an unsatisfactory settlement offer and high rates after DUI convictions. Regardless of your reason, choosing a new company is not as difficult as it may seem.

Some insurance providers may not offer online price quotes regional insurance providers work with independent agents. Cost effective 2014 Ford Fusion Hybrid insurance is possible from both online companies and also from your neighborhood agents, so you should compare both in order to have the best price selection to choose from.

Much more information about car insurance is located at the links below