Cheapest 2008 Ford Fusion Insurance Rates in 2023
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UPDATED: Nov 29, 2021
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Locating better insurance prices for a new or used Ford Fusion could be an all-consuming task, but you can follow our insurance buying tips and make it easy.
There is a right way and a wrong way to shop for insurance so you’re going to learn the absolute fastest way to get price quotes for your Ford and locate the best price possible.
Consumers should take time to compare prices on a regular basis since insurance rates change frequently. Just because you had the best rates for Fusion coverage last year you may be paying too much now. Ignore everything you know about insurance because I’m going to let you in on the secrets to one of the easiest ways to properly buy coverages while reducing your premium.
Which Insurance Coverage is Cheapest?
Performing a rate comparison can take time and effort if you aren’t aware of the most efficient way to do it. You can waste hours talking about coverages with insurance companies in your area, or you could save time and use the internet to get rate comparisons in just a few minutes.
Many insurance companies participate in a marketplace that allows shoppers to send in one quote, and each company returns a competitive quote for coverage. This saves time by eliminating repetitive form submissions for each company you want a rate for.
The only drawback to getting quotes like this is you cannot specify the insurers to get pricing from. If you would rather choose specific insurance companies for rate comparison, we have a listing of insurance coverage companies in your area.
It’s up to you which method you use, but make absolute certain that you use apples-to-apples deductibles and coverage limits for every quote you compare. If you are comparing higher or lower deductibles it will be very difficult to decipher which rate is best.
Save $436 a year? Really?
Drivers can’t ignore all the ads that promise big savings from companies such as State Farm, Allstate and GEICO. They all say the same thing of big savings if you change your policy.
How does each company say the same thing?
Insurance companies have a preferred profile for the driver they prefer to insure. A good example of a desirable insured might be between 30 and 50, is a homeowner, and drives newer vehicles. A propective insured that hits that “sweet spot” will get very good rates and most likely will save when they switch companies.
Potential customers who are not a match for this ideal profile will be quoted a higher premium which leads to business not being written. The ads say “drivers who switch” not “people who quote” save that much money. This is how companies can truthfully advertise the savings.
This emphasizes why you need to get as many comparisons as possible. You cannot predict which insurance coverage company will provide you with the cheapest Ford Fusion insurance rates.
Pieces of the Ford Fusion insurance rate puzzle
An important part of buying insurance is that you know the rating factors that go into determining insurance coverage rates. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that will entitle you to big savings.
- Better credit scores mean better rates – Your credit score is a important factor in calculating your insurance coverage rates. Drivers with excellent credit tend to file fewer claims and have better driving records than those with poor credit. If your credit history is low, you could save money insuring your 2008 Ford Fusion by improving your credit score.
- Don’t let your coverage lapse – Driving with no insurance is against the law and as a result your rates will increase for letting your coverage lapse. Not only will rates go up, getting caught without coverage can result in a revoked license or a big fine.
- Males pay more for insurance – The statistics show that women are safer drivers than men. However, don’t assume that women are better drivers. Women and men tend to get into accidents in similar percentages, but the male of the species cause more damage and cost insurance companies more money. Men also tend to receive more costly citations such as DWI and reckless driving.
- Consolidate policies to earn discounts – Many insurance coverage companies will award you with lower prices to insureds who consolidate policies with them. It’s known as a multi-policy discount. This can amount to ten or even up to twenty percent in some cases. Even with this discount, you may still want to shop around to make sure you are getting the best deal.
Don’t miss these discounts
Car insurance is not cheap, but you can get discounts that can drop the cost substantially. Some discounts apply automatically when you get a quote, but some may not be applied and must be asked for before you get the savings. If you don’t get every credit you qualify for, you’re paying more than you need to.
- Discount for New Cars – Putting insurance coverage on a new car can save up to 30% compared to insuring an older model.
- Claim Free – Claim-free drivers pay much less when compared to drivers who are more careless.
- Fewer Miles Equal More Savings – Driving fewer miles could be rewarded with a substantially lower rate.
- Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and therefore earn up to a 10% discount.
- Pay Upfront and Save – If you pay your bill all at once rather than paying monthly you may reduce your total bill.
- Federal Government Employee – Employees or retirees of the government may qualify you for a discount for Fusion coverage with certain companies.
- Discount for Good Grades – Getting good grades can save 20 to 25%. Earning this discount can benefit you up until you turn 25.
- Anti-lock Brake System – Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.
Drivers should understand that some of the credits will not apply to all coverage premiums. Most only reduce specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears adding up those discounts means a free policy, you’re out of luck. But all discounts will help reduce the cost of coverage.
Insurance companies that possibly offer these discounts include:
- Farm Bureau
- American Family
- State Farm
Double check with all companies you are considering which discounts you may be entitled to. Discounts might not be offered in every state.
When might I need help?
When choosing the best insurance coverage, there really is not a best way to insure your cars. Coverage needs to be tailored to your specific needs.
For instance, these questions could help you determine if your situation would benefit from professional advice.
- Do I need PIP (personal injury protection) coverage in my state?
- If my 2008 Ford Fusion is totaled, can I afford another vehicle?
- Does coverage extend to Mexico or Canada?
- What is high-risk coverage and where do I buy it?
- Should I bundle my homeowners policy with my auto?
- Why am I be forced to buy a membership to get insurance from some companies?
- Do I need roadside assistance coverage?
- Why am I required to buy liability insurance?
- I have a DUI can I still get coverage?
- Do I need special endorsements for business use of my vehicle?
If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed insurance agent.
Auto insurance coverage information
Knowing the specifics of your policy can help you determine the best coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and nobody wants to actually read their policy.
UM/UIM (Uninsured/Underinsured Motorist) coverage – This gives you protection from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Ford Fusion.
Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Frequently these coverages are set the same as your liablity limits.
Medical payments and PIP coverage – Coverage for medical payments and/or PIP pay for bills for dental work, funeral costs and pain medications. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay
Comprehensive auto coverage – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.
Comprehensive insurance covers claims such as hitting a bird, theft, a tree branch falling on your vehicle, falling objects and damage from getting keyed. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.
Collision coverage – Collision insurance covers damage to your Fusion resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.
Collision insurance covers claims like colliding with another moving vehicle, damaging your car on a curb and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. You can also increase the deductible to get cheaper collision coverage.
Auto liability insurance – Liability coverage will cover damage or injury you incur to other people or property in an accident. This coverage protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Occasionally you may see one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.
Liability coverage protects against claims like emergency aid, medical services, loss of income, bail bonds and funeral expenses. How much liability should you purchase? That is a personal decision, but consider buying higher limits if possible.
Have the Midas touch
Cheap 2008 Ford Fusion insurance is attainable online and also from your neighborhood agents, and you should be comparing both so you have a total pricing picture. Some insurance coverage companies may not provide you the ability to get quotes online and these smaller companies work with independent agents.
People change insurance companies for a number of reasons such as policy cancellation, denial of a claim, unfair underwriting practices and even delays in responding to claim requests. No matter why you want to switch, finding a new company can be easy and end up saving you some money.
As you shop your coverage around, it’s a bad idea to buy less coverage just to save a little money. In many cases, someone dropped collision coverage only to regret that their decision to reduce coverage ended up costing them more. Your aim should be to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.
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