Cheapest 2012 Ford Fusion Insurance Rates in 2023
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UPDATED: Nov 30, 2021
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Overpriced Ford Fusion insurance can take a big chunk out of your savings account and force you to make sacrifices. Comparing price quotes is a great way to reduce premiums and put more money in your pocket.
There are many insurers to choose from, and though it is a good thing to have multiple companies, lots of choices makes it harder to find a good deal.
How to Compare Car Insurance Costs
Comparing car insurance rates can be exhausting if you aren’t aware of the fastest way to get free quotes. You can waste hours driving to local insurance agents in your area, or you can stay home and use online quoting to quickly compare rates.
Many of the larger companies take part in a program where prospective buyers only type in their quote data once, and at least one company can give them a price based on that data. This eliminates the need for quote forms for each company.
One minor caviat to using this type of form is you can’t choose the companies you want pricing from. So if you want to select from a list of companies to compare, we put together a list of the cheapest car insurance companies in your area.
Whichever way you use, ensure you are comparing identical coverage information for each price quote. If the quotes have different liability limits it will be impossible to determine the lowest rate for your Ford Fusion. Having just a slight variation in coverage limits could mean much higher rates. Keep in mind that more quotes provides better odds of finding the best price.
Don’t miss these discounts
Auto insurance companies don’t always list all their discounts in a way that’s easy to find, so the following is a list of both the well known and the harder-to-find savings tricks you should be using.
- Low Mileage – Low mileage vehicles can earn a substantially lower rate.
- Pay Now and Pay Less – By paying your policy upfront instead of monthly or quarterly installments you could save 5% or more.
- Early Switch Discount – A few companies offer discounts for buying a policy before your current policy expires. It’s a savings of about 10%.
- Auto/Life Discount – Some companies give lower rates if you buy a life insurance policy as well.
- Defensive Driver – Taking a defensive driving course could possibly earn you a 5% discount if your company offers it.
- Sign Online – Certain companies give back up to $50 just for signing your application digitally online.
A little note about advertised discounts, some credits don’t apply to your bottom line cost. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like all those discounts means the company will pay you, companies wouldn’t make money that way.
When might I need help?
When buying the right insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s so this has to be addressed. For example, these questions can help discover whether or not you might need an agent’s assistance.
- Does my medical payments coverage pay my health insurance deductible?
- What is no-fault insurance?
- Should I put collision coverage on all my vehicles?
- What is medical payments coverage?
- Does having multiple vehicles earn me a discount?
- Can I make deliveries for my home business?
- Is my babysitter covered when using my vehicle?
If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent.
Auto insurance policy specifics
Having a good grasp of your policy helps when choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. These are typical coverage types found on the average auto insurance policy.
Liability car insurance
This can cover damage or injury you incur to other people or property that is your fault. It protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.
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 which stand for $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.
Liability insurance covers claims like emergency aid, attorney fees, court costs, structural damage and legal defense fees. How much liability coverage do you need? That is up to you, but consider buying as high a limit as you can afford.
Comprehensive auto insurance
Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive coverage pays for claims like a tree branch falling on your vehicle, rock chips in glass and hitting a deer. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.
Collision coverage protection
This coverage covers damage to your Fusion caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers claims like crashing into a building, backing into a parked car, damaging your car on a curb, hitting a mailbox and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also choose a higher deductible in order to get cheaper collision rates.
Coverage for medical expenses
Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like X-ray expenses, pain medications and hospital visits. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. They cover both the driver and occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and may carry a deductible
Coverage for uninsured or underinsured drivers
Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford Fusion.
Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.
Cheap 2012 Ford Fusion insurance is attainable from both online companies as well as from independent agents, so compare prices from both to have the best rate selection. Some insurance companies don’t offer online quoting and these small insurance companies work with independent agents.
We just showed you quite a bit of information on how to get a better price on insurance. It’s most important to understand that the more times you quote, the higher your chance of finding lower rates. You may even find the lowest premiums are with a small mutual company. Smaller companies may cover specific market segments cheaper than their larger competitors like Progressive and GEICO.
As you restructure your insurance plan, do not sacrifice coverage to reduce premiums. In many cases, someone sacrificed physical damage coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy a smart amount of coverage at an affordable rate.
Much more information about insurance coverage is available at the links below
- Determing Auto Insurance Rates (GEICO)
- What is Covered by GAP Insurance? (Allstate)
- Protect Yourself Against Auto Theft (Insurance Information Insitute)
- Rental Car Insurance Tips (Insurance Information Insitute)
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