View 2014 Ford Fusion Energi Insurance Rates 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 cheaper insurance coverage rates for your Ford Fusion Energi? If shopping for auto insurance quotes online is new to you, there’s a good chance you are confused thanks to the vast number local agents and online companies that all promise to save you money.

You need to do price comparisons on a regular basis because rates are rarely the same from one policy term to another. If you had the lowest premium rates for Fusion Energi insurance two years ago you may be paying too much now. Forget anything you know (or think you know) about insurance coverage because you’re about to learn the only way to find great coverage at a great price.

Insurance policy discounts

Not too many consumers would say insurance is affordable, but you might find some hidden discounts that may help make it more affordable. A few discounts will automatically apply at quote time, but a few need to be manually applied in order for you to get them.

  • Driver Education Discount – It’s a good idea to have your young drivers take driver’s ed class in school.
  • College Student Discount – Youth drivers who live away from home at college and leave their car at home may be insured at a cheaper rate.
  • New Car Discount – Putting insurance coverage on a new car can be considerably cheaper because new model year vehicles are generally safer.
  • Accident Free – Insureds who avoid accidents and claims are rewarded with significantly better rates on auto insurance quote in comparison with accident-prone drivers.
  • Responsible Drivers – Insureds without accidents can get discounts for up to 45% lower rates for Fusion Energi insurance as compared to drivers with claims.
  • Own a Home – Just being a homeowner can save you money due to the fact that maintaining a home demonstrates responsibility.
  • Pay Now and Pay Less – By paying your policy upfront rather than paying monthly you can actually save on your bill.
  • ABS and Traction Control Discounts – Cars, trucks, and SUVs with ABS braking systems or traction control can stop better under adverse conditions so you can save 10 percent or more.
  • Professional Organizations – Being a member of a qualifying organization is a good way to get lower rates on insurance.

Please keep in mind that most of the big mark downs will not be given to the entire policy premium. Most only reduce specific coverage prices like liability and collision coverage. So when it seems like all those discounts means the company will pay you, that’s just not realistic.

To view insurers that offer multiple discounts, enter your zip code here.

How you can control Ford Fusion Energi insurance premiums

When buying insurance it’s important to understand some of the elements that play a part in calculating the price you pay for insurance. When you understand what determines base rates, this enables informed choices that may reward you with lower premium levels. Multiple criteria are part of the equation when premium rates are determined. Some factors are common sense like an MVR report, although some other factors are less apparent like where you live or how financially stable you are.

The itemized list below are a few of the “ingredients” companies use to determine your rate level.

  • Lower miles equals lower premium – Driving a lot of miles every year the higher your rate. The majority of insurers charge rates based upon how you use the vehicle. Cars that have low annual miles can get a lower rate as compared to vehicles used primarily for driving to work. It’s always a good idea to double check that your insurance policy states the correct usage, because it can save money. Having an incorrect usage rating on your Fusion Energi may be costing you higher rates.
  • City dwellers may pay more – Being located in a rural area has definite advantages if you are looking for the lowest rates. People in densly populated areas have much more traffic and more severe claims. Less people translates into fewer accidents and a lower car theft rate.
  • Claim-free discounts can add up – Auto insurance companies generally give most affordable rates to policyholders that do not abuse their auto insurance. If you are the type of insured that files lots of claims you can pretty much guarantee either higher rates or even cancellation. Your car insurance is intended for more catestrophic claims.
  • Remove unneeded extra policy coverages – There are a ton of extra coverages that can add up if you aren’t diligent. Insurance for things like coverage for rental cars, accidental death, and membership fees are probably not needed. They may seem good initially, but your needs may have changed so consider taking them off your policy.
  • Liability limits are a factor – A critical coverage on your policy, liability insurance is the protection when you are determined to be liable for damages from an accident. Your policy’s liability insurance provides you with a defense in court to defend your case. Liability insurance is quite affordable compared to other policy coverages, so drivers should carry high limits.
  • More than one policy can earn a discount – Most companies allow lower prices to customers that purchase more than one policy in the form of a multi-policy discount. Even with this discount applied, you may still want to compare other company rates to help guarantee you have the best rates.
  • Responsible drivers pay lower prices – Careful drivers tend to pay less for car insurance as compared to careless drivers. Having just one driving citation can increase rates forty percent or more. Drivers who get severe violations like hit and run, DWI or reckless driving convictions may need to prove financial responsibility with their state in order to legally drive a vehicle.
  • Use credit responsibly and save – Having a bad credit rating is a big factor in determining what you pay. So if your credit score is lower than you’d like, you could save money insuring your 2014 Ford Fusion Energi if you clean up your credit. Drivers who have excellent credit scores tend to be less risk to insure than drivers with lower credit scores.

How do I know if I need professional advice?

When buying the best insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Coverage needs to be tailored to your specific needs.

These are some specific questions can help discover whether your personal situation would benefit from professional advice.

  • Am I covered if I wreck a rental car?
  • Can I get a multi-policy discount?
  • Is my teenager covered with friends in the car?
  • Where can I get insurance after a DUI in my state?
  • What happens if I owe more than my 2014 Ford Fusion Energi is worth?
  • Will I lose any money if I cancel my policy before it expires?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete your zip code.

Insurance coverage considerations

Understanding the coverages of your insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as crashing into a ditch, driving through your garage door, damaging your car on a curb and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Another option is to raise the deductible to save money on collision insurance.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as EMT expenses, funeral costs, surgery and ambulance fees. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Comprehensive coverages

Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, vandalism, a broken windshield, fire damage and damage from a tornado or hurricane. The most your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability insurance

This protects you from damage that occurs to other people or property that is your fault. It protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged property. Another option is a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as attorney fees, pain and suffering and repair costs for stationary objects. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Ford Fusion Energi.

Because many people only purchase the least amount of liability that is required, 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. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Save for a rainy day

People leave their current company for any number of reasons including high rates after DUI convictions, delays in responding to claim requests, poor customer service or high prices. It doesn’t matter why you want to switch switching companies is not as difficult as it may seem.

When trying to cut insurance costs, it’s not a good idea to buy lower coverage limits just to save a few bucks. There have been many situations where someone dropped liability limits or collision coverage and learned later that it was a big error on their part. The goal is to find the BEST coverage at the best cost, not the least amount of coverage.

We’ve covered many ways to get a better price on 2014 Ford Fusion Energi insurance. The most important thing to understand is the more times you quote, the better your chances of lowering your car insurance rates. You may even discover the most savings is with a small mutual company.

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