2015 Ford Fusion Insurance Quotes

No one looks forward to paying for auto insurance, especially knowing their premiums are through the roof. Insurance companies such as State Farm, Geico and Farmers Insurance constantly bombard you with ad campaigns and it is challenging if not impossible to see through the deception and do the work needed to find the best deal.

Consumers need to do rate comparisons yearly since insurance rates change frequently. If you had the best rates on Fusion insurance a few years ago you will most likely find a better rate today. There is a lot of bad advice regarding auto insurance on the internet, so we’re going to give you some guaranteed methods to find cheap auto insurance.

Finding Car Insurance Deals

Lowering your 2015 Ford Fusion car insurance rates is not rocket science. All you need to do is spend a little time comparing price quotes from different insurance companies. This can be accomplished in just a few minutes using one of these methods.

1. The fastest way consumers can analyze rates is an all-inclusive rate comparison click to view form in new window. This form prevents you from having to do repetitive form submissions for each company. One simple form gets you price quotes from multiple companies.
2. A slightly less efficient method to shop for car insurance online is to take the time to go to the website for each individual company and complete a new quote form. For example, we’ll pretend you want rates from Progressive, Esurance and Farmers. You would have to go to every website and enter your information, which is why the first method is quicker. For a handy list of car insurance company links in your area, click here.

Which method you use is up to you, but ensure you are comparing apples-to-apples coverages and limits on every quote you get. If your comparisons have different limits and deductibles on each one it’s impossible to determine the best price for your Ford Fusion.

Tailor your coverage to you

When it comes to choosing adequate coverage, there really is no perfect coverage plan. Every insured’s situation is different so your insurance needs to address that. Here are some questions about coverages that can aid in determining if your situation may require specific advice.

• When should I not file a claim?
• Do I get a pro-rated refund if I cancel my policy early?
• Am I covered if my car is in a flood?
• What can I do if my company denied a claim?
• Will my vehicle be repaired with OEM or aftermarket parts?
• Will I be non-renewed for getting a DUI or other conviction?
• Are my friends covered when driving my 2015 Ford Fusion?
• Am I covered if I hit my neighbor’s mailbox?

If you’re not sure about those questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and can help protect your family.

Auto insurance coverage information

Knowing the specifics of car insurance can help you determine which coverages you need for your vehicles. Car insurance terms can be ambiguous and nobody wants to actually read their policy. These are typical coverages found on most car insurance policies.

Liability insurance – This coverage protects you from damage that occurs to other’s property or people by causing an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability insurance covers things like pain and suffering, legal defense fees and medical expenses. How much coverage you buy is a personal decision, but consider buying as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Ford Fusion.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Collision coverage – Collision insurance pays for damage to your Fusion from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like crashing into a building, hitting a parking meter and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like funeral costs, chiropractic care, pain medications, doctor visits and X-ray expenses. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision) – This coverage pays to fix your vehicle from 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 insurance covers things such as a tree branch falling on your vehicle, hitting a deer, damage from getting keyed and hitting a bird. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.