Compare 2014 Ford Fusion Insurance Quotes

Searching for better insurance coverage rates? Consumers have many options when looking for the best price on Ford Fusion insurance. They can either spend hours calling around to compare prices or utilize the internet to make rate comparisons.

There is a right way and a wrong way to compare insurance coverage rates so you’re going to learn the proper way to get price quotes for a new or used Ford and obtain the lowest price.

You need to take a look at other company’s rates on a regular basis because insurance rates are usually higher with each renewal. Even if you got the best price for Fusion coverage on your last policy you may be paying too much now. You can find a lot of wrong information about insurance coverage online but I’m going to show you some excellent ideas to find cheap insurance coverage.

Lesser-known factors impacting Ford Fusion insurance rates

An important part of buying insurance is that you know the rating factors that play a part in calculating insurance coverage rates. Understanding what determines base rates helps enable you to make changes that could result in big savings.

Shown below are a partial list of the pieces that factor into premiums.

  • Younger drivers pay higher rates – Mature drivers are viewed as being more responsible, tend to file fewer claims and tend to be better behind the wheel. Teenage drivers tend to be less responsible in a vehicle and because of this, their insurance coverage rates are much higher.
  • Rural vs Urban Areas – Choosing to live in a small town can save you money when it comes to insurance coverage. Urban drivers tend to have traffic congestion and much longer commute distances. Fewer people translates into fewer accidents.
  • Never let your coverage lapse – Driving without insurance is against the law and your next policy will cost more because you let your coverage have a gap. Not only will rates go up, but not being able to provide proof of insurance might get you a hefty fine and possibly a revoked license.You may have to prove you have insurance by filing a SR-22 with your state motor vehicle department.
  • Do you qualify for a multi-policy discount? – Many companies will award you with lower prices to policyholders who consolidate policies with them. It’s known as a multi-policy discount. This can amount to anywhere from five to ten percent in most cases. If you currently are using one company, it’s in your best interest to shop around to verify if the discount is saving money.
  • Protect your assets with liability insurance – The liability section of your policy will protect you if ever a jury decides you are liable for personal injury or accident damage. Liability insurance provides legal defense coverage starting from day one. This coverage is very inexpensive compared to insuring for physical damage coverage, so do not cut corners here.
  • High credit ratings translate to low rates – A driver’s credit history is a huge factor in determining what you pay for insurance coverage. Therefore, if your credit history is not that good, you could save money insuring your 2014 Ford Fusion by repairing your credit. Drivers who have high credit ratings tend to be better drivers and file fewer claims than drivers with lower credit scores.

Be sure to get all your discounts

Insuring your vehicles can cost a lot, but there are discounts available that can drop the cost substantially. Some trigger automatically at quote time, but a few need to be specially asked for before you will receive the discount. If you aren’t receiving every discount possible, you’re just leaving money on the table.

  • Discount for New Cars – Buying coverage on a new vehicle is cheaper since new cars are generally safer.
  • Life Insurance Discount – Select insurance companies reward you with a discount if you purchase life insurance from them.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.
  • Lower Rates for Military – Being deployed with a military unit may qualify for rate reductions.
  • Seat Belts Save – Drivers who require all occupants to use their safety belts could cut 10% or more off your PIP or medical payments premium.

It’s important to understand that most discount credits are not given to the entire policy premium. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. Just because you may think you can get free auto insurance, you’re out of luck. Any qualifying discounts will bring down the cost of coverage.

Companies that possibly offer some of the above discounts are:

Double check with each insurance company what discounts are available to you. All car insurance discounts may not apply in your state.

How do I know if I need professional advice?

When buying proper insurance coverage, there really is not a single plan that fits everyone. Everyone’s situation is a little different.

Here are some questions about coverages that might help in determining if your insurance needs might need professional guidance.

  • Do I get a pro-rated refund if I cancel my policy early?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Do I need roadside assistance coverage?
  • Can my babysitter drive my car?
  • Does my medical payments coverage pay my health insurance deductible?
  • When should I drop full coverage on my 2014 Ford Fusion?
  • Do I need PIP (personal injury protection) coverage in my state?
  • What can I do if my company denied a claim?
  • Am I covered when pulling a rental trailer?
  • Am I covered if I hit my neighbor’s mailbox?

If you can’t answer these questions then you might want to talk to an agent. To find an agent in your area, fill out this quick form. It’s fast, free and you can get the answers you need.

Parts of your insurance policy

Understanding the coverages of your policy helps when choosing the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Comprehensive auto coverage

This will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as hitting a bird, rock chips in glass and hail damage. The highest amount your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually these coverages are identical to your policy’s liability coverage.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for bills for pain medications, nursing services and surgery. They can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Auto liability

Liability coverage provides protection from damages or injuries you inflict on other people or property by causing an accident. This insurance protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Another option is a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for things such as attorney fees, funeral expenses, emergency aid and repair costs for stationary objects. How much coverage you buy is your choice, but it’s cheap coverage so purchase higher limits if possible.

Collision coverage protection

This coverage covers damage to your Fusion resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as rolling your car, hitting a mailbox, crashing into a ditch and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to get cheaper collision coverage.

Summing up your car insurance search

Drivers switch companies for any number of reasons including denial of a claim, extreme rates for teen drivers, high rates after DUI convictions and even delays in paying claims. It doesn’t matter why you want to switch switching car insurance companies is pretty easy and you might even save some money in the process.

When you buy insurance online, it’s a bad idea to buy less coverage just to save a little money. There have been many situations where drivers have reduced liability coverage limits and learned later they didn’t purchase enough coverage. The aim is to get the best coverage possible at the best price while still protecting your assets.

We’ve covered a lot of information how to save on 2014 Ford Fusion insurance. The most important thing to understand is the more price quotes you have, the higher your chance of finding lower rates. You may even discover the most savings is with a smaller regional carrier.

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