2011 Ford Fusion Insurance Quotes – 10 Discounts for Cheaper Rates

Looking for better auto insurance rates for your Ford Fusion? Expensive auto insurance can drain your checking account and force you to make sacrifices. Doing a price comparison is free and is an excellent way to slash your bill and have more diposable income.

Numerous insurance companies battle for your hard-earned dollar, so it can be very hard to choose a insurer to get the lowest price

Free Quotes for Auto Insurance

Comparing auto insurance rates can take hours if you don’t utilize the fastest way to get free quotes. You can waste a lot of time driving to local insurance agents in your area, or you can stay home and use online quoting to accomplish the same thing much quicker.

Most major companies belong to an insurance system where prospective buyers complete one form, and at least one company can provide price quotes based on that data. This prevents consumers from doing repetitive form submissions for every auto insurance company.

To compare 2011 Ford Fusion rates using this form now click here (opens in new window).

The one downside to comparing rates this way is that consumers can’t choose the providers to receive prices from. If you would rather choose specific insurance companies to request quotes from, we have a page of low cost auto insurance companies in your area. Click to view list.

Which method you use is up to you, but make darn sure you compare exactly the same coverage limits and deductibles for each comparison quote. If each company quotes mixed coverages you can’t possibly find the best deal for your Ford Fusion. Quoting even small variations in insurance coverages may cause a big price difference. Just keep in mind that comparing a large number of companies will improve the odds of getting lower pricing.

Save with discounts on Ford Fusion insurance

Car insurance companies don’t list every discount very clearly, so we took the time to find both the well known and also the lesser-known savings tricks you should be using.

  • Good Student Discount – A discount for being a good student can earn a discount of 20% or more. This discount can apply until age 25.
  • Multi-car Discount – Buying insurance for more than one vehicle with the same company may reduce the rate for each vehicle.
  • Safe Driver Discount – Drivers who avoid accidents may save up to 50% more for Fusion insurance than their less cautious counterparts.
  • Student in College – Youth drivers who live away from home without a vehicle on campus can receive lower rates.
  • Own a Home – Simply owning a home may trigger a insurance coverage policy discount due to the fact that maintaining a home demonstrates responsibility.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and therefore earn up to a 10% discount.
  • Paperless Signup – Some insurance companies may give you up to $50 for buying your policy online.
  • Memberships – Affiliation with a civic or occupational organization may earn a discount when shopping for insurance coverage for Fusion insurance.
  • Discount for New Cars – Adding a new car to your policy can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Drivers Ed for Students – Cut your cost by having your teen driver successfully complete driver’s ed class if offered at their school.

As a disclaimer on discounts, some credits don’t apply to the entire cost. Most only apply to individual premiums such as collision or personal injury protection. So when it seems like you could get a free insurance coverage policy, you won’t be that lucky.

Insurance companies that possibly offer these discounts may include but are not limited to:

Check with each insurance company which discounts they offer. All car insurance discounts may not apply in your area.

Tailor your coverage to you

When it comes to choosing proper insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. These are some specific questions can help discover whether you will benefit from professional help.

  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • What companies insure drivers after a DUI or DWI?
  • What if I owe more than I can insure my car for?
  • Is my trailer covered?
  • Does liability extend to a camper or trailer?
  • How much liability do I need to cover my assets?
  • Is my dog or cat covered if injured in an accident?
  • What exactly is covered by my policy?
  • What is high-risk coverage and where do I buy it?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies.

Car insurance 101

Understanding the coverages of car insurance can be of help when determining appropriate coverage and the correct deductibles and limits. Car insurance terms can be ambiguous and nobody wants to actually read their policy. Below you’ll find the normal coverages found on the average car insurance policy.

Coverage for medical expenses – Med pay and PIP coverage reimburse you for immediate expenses for ambulance fees, dental work, doctor visits and X-ray expenses. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and may carry a deductible

Collision coverages – Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as crashing into a ditch, hitting a parking meter and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Liability auto insurance – This protects you from injuries or damage you cause to other people or property that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims such as medical services, court costs, repair costs for stationary objects and loss of income. How much coverage you buy is up to you, but consider buying as much as you can afford.

Comprehensive car insurance – This coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like theft, hail damage and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Coverage for uninsured or underinsured drivers – This protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Ford Fusion.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

A penny saved is a penny earned

We just presented many tips how you can get a better price on 2011 Ford Fusion insurance. The most important thing to understand is the more companies you get rates for, the better your chances of lowering your rates. You may be surprised to find that the best prices are with a company that doesn’t do a lot of advertising. These smaller insurers may often insure only within specific states and give getter rates as compared to the big name companies such as State Farm, Geico and Nationwide.

As you go through the steps to switch your coverage, you should never skimp on coverage in order to save money. Too many times, someone dropped liability coverage limits and learned later they didn’t have enough coverage. Your goal should be to buy enough coverage at an affordable rate, not the least amount of coverage.

Budget-conscious insurance can be bought from both online companies and with local insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some insurance companies do not offer you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

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