Compare 2013 Ford Fusion Energi Car Insurance Cost in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 26, 2024

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Trying to find better insurance coverage rates for your Ford Fusion Energi? Expensive Ford Fusion Energi insurance can take a big chunk out of your funds and make it tough to pay other bills. Doing a rate comparison is recommended to lower your bills every month.

Multiple insurers compete for your hard-earned dollar, so it’s not easy to compare every insurance company to find the absolute lowest rate

If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using these tips. Finding the best rates is quite easy. But vehicle owners can benefit by having an understanding of how insurance companies market insurance on the web because it can help you find the best coverage.

Shop insurance online

When shopping for cheaper insurance coverage quotes, there are a couple of ways to compare rate quotes from different insurance companies. The easiest way by far to do a complete rate comparison consists of obtaining rate quotes online. This is quite simple and can be completed in a couple minutes as outlined below.

  1. Without a doubt, the easiest way to get quotes would be an industry-wide quote request form. This style of form saves time by eliminating repetitive form entry for each company. One simple form will return quotes from insurance companies with the best prices.
  2. A slightly less efficient method to compare rate quotes is to take the time to go to the website for each individual company and fill out their own quote form. For sake of this example, we’ll assume you need rates from Liberty Mutual, Safeco and Travelers. You would need to visit each site to input your insurance information, which explains why we recommend starting with the first method.

You can use whichever method you prefer to find lower rates, just double check that you are using the exact same coverage data for each quote you get. If you have mixed coverages it will be very difficult to truly determine the lowest rate. Even a minor difference in insurance coverages can mean a large discrepancy in price. Just remember that comparing a wide range of rates provides better odds of finding the best offered rates. Some regional insurers cannot provide prices over the internet, so you should also compare price estimates from them as well.

Insurance coverage companies offer many types of discounts

Buying insurance coverage is not cheap, but there could be significant discounts that can help lower your rates. Some discounts will apply when you purchase, but occasionally some discounts must be specially asked for before being credited.

  • Drivers Education – It’s a good idea to have your young drivers successfully complete driver’s ed class if offered at their school.
  • Home Ownership Discount – Being a homeowner can earn you a little savings because it is proof that your finances are in order.
  • No Claim Discounts – Insureds who avoid accidents and claims have much lower rates when compared with bad drivers.
  • Theft Prevention System – Cars optioned with advanced anti-theft systems can help prevent theft and that can save you a little bit as well.
  • Telematics Data Discounts – Drivers who agree to allow their insurance company to study when and where they use their vehicle through the use of a telematics system like Allstate’s Drivewise might see lower rates if they have good driving habits.
  • Discount for Life Insurance – Larger insurance coverage companies have lower rates if you buy a life policy as well.
  • Paper-free Discount – Certain insurance companies provide a small discount simply for signing on the web.
  • Professional Organizations – Joining a professional or civic organization could earn you a nice discount on your next renewal.
  • Pay Early and Save – By paying your entire bill at once instead of paying each month you can avoid monthly service charges.
  • Military Rewards – Being deployed in the military may qualify for rate reductions.

A little note about advertised discounts, most credits do not apply to the entire cost. Most only reduce the price of certain insurance coverages like medical payments or collision. So despite the fact that it appears you could get a free insurance coverage policy, it just doesn’t work that way. But any discount should help lower your policy premium.

Auto insurance companies that may include these benefits are:

  • Farm Bureau
  • MetLife
  • Progressive
  • AAA
  • American Family
  • State Farm

Before buying, ask every insurance company which discounts you qualify for. Some discounts listed above might not be available to policyholders in your area. To find companies that offer some of these discounts, enter your zip code here.

How car insurance companies determine Ford Fusion Energi insurance rates

An important part of buying insurance is that you know some of the factors that play a part in calculating the rates you pay for insurance. If you have some idea of what determines base rates, this empowers consumers to make smart changes that may result in lower rates.

  • Where you live – Choosing to live in a rural area is a positive aspect when buying insurance. People in densly populated areas regularly have traffic congestion and longer commutes to work. Fewer drivers and short commutes means less chance of accidents in addition to lower liability claims
  • Cheaper rates with high coverage deductibles – Deductibles for physical damage define how much you are required to spend out-of-pocket if the claim is covered. Physical damage coverage, termed comprehensive and collision coverage on your policy, protects your car from damage. A few examples of covered claims would be a windshield broken by a bird, damage from fire, or theft of your vehicle. The more expense you’re willing to pay, the less your insurance will be on Fusion Energi coverage.
  • High credit history translates to low premiums – An insured’s credit history will be a significant factor in calculating your insurance rates. People with good credit tend to be more responsible than drivers who have lower ratings. So if your credit score can be improved, you may save money insuring your 2013 Ford Fusion Energi by improving your credit score.
  • Gender and insurance coverage – Over the last 50 years, statistics have shown that women are safer drivers than men. However, this does not mean women are BETTER drivers than men. Both genders tend to get into at-fault accidents at a similar rate, but males have costlier accidents. Men also statistically get more serious tickets like driving under the influence (DUI). Teenage male drivers have the highest risk to insure and are penalized with high insurance rates.
  • Drive fewer miles and save – The higher the miles on your Ford annually the more you’ll pay to insure your vehicle. Many insurance companies apply a rate based upon how much you drive. Cars not used for work or commuting qualify for better rates than those that get driven frequently. Verify your insurance declarations sheet states the right rating data, because it can save money. Having the wrong rating on your Fusion Energi can cost quite a bit.

Do I just need basic coverages?

When it comes to buying the best auto insurance coverage, there really is not a best way to insure your cars. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For instance, these questions could help you determine whether you might need an agent’s assistance.

  • Where can I get insurance after a DUI in my state?
  • Is my dog or cat covered if injured in an accident?
  • Am I covered if I crash into my own garage door?
  • What can I do if my company denied a claim?
  • Where can I find DUI or SR-22 insurance?
  • When do I need to add a new car to my policy?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete your zip code.

Parts of your insurance policy

Learning about specific coverages of insurance aids in choosing which coverages you need and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring. Below you’ll find the usual coverages found on most insurance policies.

Comprehensive protection

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like theft, hitting a bird, damage from flooding, a tree branch falling on your vehicle and fire damage. The most a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability coverage

Liability coverage provides protection from damage or injury you incur to other’s property or people. This coverage protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged property.

Liability can pay for claims such as structural damage, attorney fees and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but buy as much as you can afford.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Auto collision coverage

Collision coverage covers damage to your Fusion Energi caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like hitting a parking meter, backing into a parked car, hitting a mailbox, sustaining damage from a pot hole and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Medical expense coverage

Coverage for medical payments and/or PIP kick in for expenses such as pain medications, rehabilitation expenses, dental work, prosthetic devices and X-ray expenses. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Power to the consumer

When buying insurance coverage, it’s not a good idea to sacrifice coverage to reduce premiums. There are too many instances where someone dropped physical damage coverage only to discover later they didn’t have enough coverage. The ultimate goal is to buy a smart amount of coverage for the lowest cost and still be able to protect your assets.

A few companies may not have internet price quotes and these small insurance companies provide coverage only through independent agents. Lower-priced 2013 Ford Fusion Energi insurance is attainable from both online companies as well as from independent agents, and you need to price shop both to have the best rate selection.

You just learned many ideas to save on 2013 Ford Fusion Energi insurance. It’s most important to understand that the more rate quotes you have, the better chance you’ll have of finding cheap insurance coverage. You may even find the lowest premium rates are with a company that doesn’t do a lot of advertising. These companies often have lower prices on specific markets than their larger competitors like Allstate and Progressive.

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