Save on 2016 Ford Fusion Energi Insurance Rates

Looking for better insurance coverage rates for your Ford Fusion Energi? Finding better insurance prices for a Ford Fusion Energi can be a painful process, but you can learn a few tricks and make it easy.

There are more efficient ways to find insurance coverage online and we’ll show you the best way to get price quotes for a new or used Ford and obtain the lowest possible price from both online companies and local agents.

It’s a good habit to do rate comparisons every six months because rates are rarely the same from one policy term to another. Even if you got the lowest rates for Fusion Energi insurance on your last policy there may be better deals available now. There is a lot of wrong information about insurance coverage on the internet, so by reading this article, you’re going to learn the best ways to put money back in your pocket.

How to Compare Insurance Coverage

Shopping for lower insurance coverage rates is a ton of work if you don’t know the best way to get rate quotes. You can spend countless hours talking to agents in your area, or you could use the internet to quickly compare rates.

Many of the larger companies participate in a marketplace where insurance shoppers enter their coverage request one time, and at least one company can give them a price. This system prevents you from having to do quotation requests to every company.

To compare 2016 Ford Fusion Energi rates using this form now click here to start a free quote.

One minor caviat to pricing coverage this way is that you can’t choose which insurance companies to get quotes from. So if you prefer to pick individual companies to compare, we put together a list of the cheapest insurance coverage companies in your area. Click to view list.

However you get your quotes, make absolute certain that you use apples-to-apples coverages and limits for every quote you compare. If you compare different deductibles then you won’t be able to make a fair comparison for your Ford Fusion Energi.

What coverages do I need?

When it comes to buying proper insurance coverage, there is no perfect coverage plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that can help discover whether your personal situation will benefit from professional help.

  • Can I afford to pay high deductible claims out of pocket?
  • Do I need roadside assistance coverage?
  • When can I cancel my policy?
  • Does my insurance cover my expensive audio equipment?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Can I afford to buy a different vehicle if my 2016 Ford Fusion Energi is totaled?
  • Do I benefit by insuring my home with the same company?
  • Should I bundle my homeowners policy with my auto?

If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete this short form. It’s fast, doesn’t cost anything and may give you better protection.

Insurance coverage specifics

Having a good grasp of your policy can help you determine the best coverages at the best deductibles and correct limits. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Auto liability insurance – Liability insurance will cover injuries or damage you cause to people or other property by causing an accident. This coverage protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as medical services, legal defense fees, medical expenses and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Collision – This covers damage to your Fusion Energi caused by collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like hitting a mailbox, sideswiping another vehicle and hitting a parking meter. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to raise the deductible to save money on collision insurance.

Coverage for medical payments – Med pay and PIP coverage provide coverage for short-term medical expenses for things like dental work, ambulance fees, nursing services and doctor visits. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. PIP is not available in all states and may carry a deductible

Comprehensive coverages – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as fire damage, hail damage and damage from flooding. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured and underinsured coverage – This coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Ford Fusion Energi.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.