2009 Ford Fusion Car Insurance Quotes

Searching for cheaper insurance for your Ford Fusion can be a painful process, but you can follow a few tricks to save time.

There is a right way and a wrong way to buy car insurance so we’re going to tell you the absolute fastest way to quote coverages for a new or used Ford and find the lowest possible price.

Consumers need to shop coverage around occasionally since insurance rates are variable and change quite frequently. Even if you think you had the lowest price on Fusion coverage on your last policy there is a good chance you can find better rates now. You’ll find quite a bit of inaccurate information about car insurance online but I’m going to show you some great ideas on how to quit paying high car insurance rates.

Pricing affordable protection is easy if you know what you’re doing. If you have a policy now or need a new policy, you can use these techniques to find the best rates while maintaining coverages. Drivers only need an understanding of how to get comparison rates online.

Don’t overlook these discounts

The price of auto insurance can be rather high, but there are discounts available that you may not even be aware of. A few discounts will automatically apply when you get a quote, but some may not be applied and must be asked about before you will receive the discount. If you aren’t receiving every discount you deserve, you are throwing money away.

  • 55 and Retired – Mature drivers may qualify for a small decrease in premiums on Fusion coverage.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.
  • Employee of Federal Government – Simply working for the federal government could cut as much as 10% off on Fusion coverage depending on your company.
  • College Student – Youth drivers who are attending college without a vehicle on campus may be able to be covered for less.
  • Use Seat Belts – Drivers who require all occupants to wear their seat belts could save 15% off your medical payments premium.
  • Accident Forgiveness – A handful of insurance companies permit an accident before hitting you with a surcharge if you are claim-free for a set time period.
  • Auto/Home Discount – When you combine your home and auto insurance with one insurance company you could get a discount of approximately 10% to 15%.

Consumers should know that some credits don’t apply the the whole policy. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears all those discounts means the company will pay you, it just doesn’t work that way. Any amount of discount will bring down your overall premium however.

Companies that may offer these benefits include:

It’s a good idea to ask every prospective company which discounts they offer. Some discounts might not be offered in your area.

Auto Insurance Quote Comparison

Performing a rate comparison can be a daunting task if you don’t know the most efficient way. You can spend your afternoon talking about coverages with insurance companies in your area, or you could use online quoting to achieve your goal.

All the larger companies enroll in a system that allows shoppers to submit one quote, and every company then returns a price quote determined by their information. This eliminates the need for quote forms for each company.

To compare 2009 Ford Fusion rates using this form now click to open in new window.

The only drawback to comparing rates this way is that consumers can’t choose the insurers you will receive quotes from. If you would rather choose from a list of companies to compare, we have assembled a list of auto insurance companies in your area. Click here for list of insurance companies.

It’s your choice how you get your quotes, but double check that you are using the exact same coverages and limits on every quote. If you compare unequal deductibles or liability limits it will be very difficult to make a fair comparison for your Ford Fusion.

Is my situation unique?

When choosing the right insurance coverage, there really is no cookie cutter policy. Everyone’s situation is a little different.

For instance, these questions can aid in determining whether your personal situation will benefit from professional help.

  • Is my ex-spouse still covered by my policy?
  • Am I covered if I hit my neighbor’s mailbox?
  • Can I afford to pay high deductible claims out of pocket?
  • How high should my medical payments coverage be?
  • Will I lose any money if I cancel my policy before it expires?
  • Is my babysitter covered when using my vehicle?
  • Is motorclub coverage worth it?
  • If my pet gets injured in an accident are they covered?
  • I have health insurance so do I need medical payments coverage?
  • Can I make deliveries for my home business?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an insurance agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and may give you better protection.

Insurance policy specifics

Having a good grasp of insurance can help you determine which coverages you need at the best deductibles and correct limits. Policy terminology can be ambiguous and coverage can change by endorsement.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Ford Fusion.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Collision insurance

Collision coverage covers damage to your Fusion caused by collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as scraping a guard rail, driving through your garage door, hitting a parking meter and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to bring the cost down.

Liability coverage

Liability coverage protects you from injuries or damage you cause to a person or their property. This insurance protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 which stand for a limit of $100,000 per injured person, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Another option is one limit called combined single limit (CSL) 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, repair bills for other people’s vehicles, pain and suffering and funeral expenses. How much coverage you buy is a decision to put some thought into, but you should buy as large an amount as possible.

Comprehensive insurance

This pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as fire damage, hitting a bird, damage from flooding and vandalism. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for bills for nursing services, hospital visits and dental work. They are often used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Feed the piggy bank

People change insurance companies for a variety of reasons including lack of trust in their agent, policy cancellation, not issuing a premium refund or even high rates after DUI convictions. It doesn’t matter what your reason, finding a new insurance company is not as difficult as it may seem.

We just presented many ways to reduce 2009 Ford Fusion insurance prices online. The most important thing to understand is the more times you quote, the higher the chance of saving money. You may even discover the most savings is with a small local company.

As you go through the steps to switch your coverage, it’s not a good idea to reduce needed coverages to save money. There are a lot of situations where an insured cut liability limits or collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your goal should be to get the best coverage possible for the lowest price.

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