2014 Ford Fusion Hybrid Insurance Quotes – 9 Tricks for Best Rates
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UPDATED: Aug 24, 2022
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Price shopping your insurance can seem to be nearly impossible for beginners to shopping for insurance online. Consumers have so many companies to choose from that it can turn into a challenge to find lower rates.
Smart consumers take time to take a look at other company’s rates on a regular basis because rates are rarely the same from one policy term to another. Despite the fact that you may have had the best rates on Fusion Hybrid coverage a couple years back there is a good chance you can find better rates now. So just forget anything you know (or think you know) about insurance because you’re about to learn the tricks you need to know to save on insurance.
Compare the Market for Car Insurance
The are a couple different ways of comparing rates and find the best price. The easiest way to find the cheapest 2014 Ford Fusion Hybrid insurance rates consists of obtaining rate quotes online. It is quite easy and can be accomplished in several different ways.
- The fastest way to get the best comparison quotes is an all-inclusive rate comparison like this one (opens in new window). This type of form keeps you from doing a different quote for each company. One form submission will return price quotes from several companies. It’s definitely the quickest method.
- Another way to obtain and compare quotes online is to take the time to go to each company’s website and request a quote. For sake of this example, let’s assume you want to compare GEICO, 21st Century and American Family. To get each rate you have to visit each site to input your insurance information, and that’s why the first method is more popular. To view a list of companies in your area, click here.
- The hardest method of comparing rate quotes is to drive around to insurance agents’ offices. Buying insurance online eliminates the need for an insurance agent unless you want the professional advice that only a license agent can provide. Drivers can price shop online and get advice from an agent in your area and we’ll touch on that later.
However you get your quotes, make darn sure you compare the exact same information for each comparison quote. If your comparisons have different limits and deductibles on each one it’s not possible to decipher which rate is best. Slightly different insurance coverages can make a big difference in price. And when quoting car insurance, remember that more quotes will improve the odds of getting a better price.
Take advantage of discounts
The cost of insuring your cars can be expensive, but companies offer discounts that you may not know about. Certain discounts will be triggered automatically at quote time, but a few must be asked for in order for you to get them.
- One Accident Forgiven – A handful of insurance companies allow you one accident without raising rates as long as you don’t have any claims for a certain period of time.
- Low Mileage – Driving fewer miles could be rewarded with a substantially lower rate.
- Military Discounts – Having a deployed family member can result in better rates.
- Multiple Cars – Insuring all your vehicles on one policy can get a discount on all vehicles.
- Safety Course Discount – Taking a course in driver safety could possibly earn you a 5% discount depending on where you live.
- Driver’s Ed – Require your teen driver to complete a driver education course in high school.
- No Claims – Drivers who don’t have accidents pay much less when compared to drivers who are more careless.
- Seat Belt Usage – Drivers who require all occupants to wear their seat belts can save 10% or more off your medical payments premium.
- Early Signing – A few companies offer discounts for switching policies prior to your current policy expiration. This can save 10% or more.
A little note about advertised discounts, most of the big mark downs will not be given to your bottom line cost. Some only apply to individual premiums such as physical damage coverage or medical payments. So when the math indicates you would end up receiving a 100% discount, you won’t be that lucky. Any amount of discount will reduce your overall premium however.
Companies that may offer these money-saving discounts are:
Check with all companies you are considering which discounts they offer. Discounts might not apply in every state.
How to know if you need help
When buying coverage, there is no one size fits all plan. Everyone’s needs are different.
Here are some questions about coverages that can help discover if you might need an agent’s assistance.
- Do I have any recourse if my insurance company denies a claim?
- Where can I find high-risk insurance?
- Is a blown tire covered by insurance?
- Where can I get insurance after a DUI in my state?
- Can I drive in Mexico and have coverage?
- Is my business laptop covered if it gets stolen from my vehicle?
- Why am I required to buy high-risk coverage?
- Can my babysitter drive my car?
- Do I have newly-aquired coverage?
- What is the minimum liability in my state?
If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an agent. If you don’t have a local agent, complete this form.
Ads can be misleading
Companies like Progressive, GEICO, Allstate and State Farm consistently run ads in print and on television. All the ads make an identical promise about savings if you change to their company. How can each company make almost identical claims? It’s all in the numbers.
Insurance companies are able to cherry pick for the type of driver that earns them a profit. For instance, a desirable insured could be between the ages of 30 and 50, has no prior claims, and chooses high deductibles. Any new insured who fits that profile receives the best rates and most likely will cut their rates substantially.
Potential insureds who are not a match for the “perfect” profile will have to pay higher prices which leads to the driver buying from a lower-cost company. The ads state “customers who switch” not “people who quote” save money. That’s why companies can advertise the way they do.
Because of the profiling, you absolutely need to quote coverage with many companies. You cannot predict which company will have the lowest Ford Fusion Hybrid insurance rates.
Learning about specific coverages of a insurance policy helps when choosing which coverages you need and proper limits and deductibles. Policy terminology can be difficult to understand and coverage can change by endorsement.
Liability car insurance
Liability coverage can cover damage that occurs to people or other property in an accident. This insurance protects YOU from legal claims by others, 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 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Another option is a combined limit which provides one coverage limit without having the split limit caps.
Liability insurance covers things like medical expenses, structural damage, loss of income and legal defense fees. How much coverage you buy is a personal decision, but consider buying higher limits if possible.
Medical expense insurance
Med pay and PIP coverage pay for expenses for EMT expenses, prosthetic devices and nursing services. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage
Protection from uninsured/underinsured drivers
This coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Normally the UM/UIM limits are identical to your policy’s liability coverage.
Auto collision coverage
Collision coverage will pay to fix damage to your Fusion Hybrid resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.
Collision can pay for things such as crashing into a ditch, backing into a parked car and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from vehicles that are older. It’s also possible to choose a higher deductible to get cheaper collision coverage.
Comprehensive (Other than Collision)
Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against things like hitting a deer, a tree branch falling on your vehicle, fire damage and falling objects. The highest amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Get your money’s worth
When buying insurance coverage, it’s not a good idea to buy poor coverage just to save money. Too many times, an insured cut comprehensive coverage or liability limits only to regret at claim time that it was a big mistake. Your aim should be to buy the best coverage you can find for the lowest price while not skimping on critical coverages.
Lower-priced 2014 Ford Fusion Hybrid insurance can be bought from both online companies and with local insurance agents, so compare prices from both to have the best selection. A few companies do not offer online price quotes and these small insurance companies work with independent agents.
Insureds who switch companies do it for a variety of reasons including policy cancellation, not issuing a premium refund, delays in paying claims or even poor customer service. Whatever your reason, finding a new company is easier than you think.
Additional insurance coverage information can be read at these links:
- How Much Auto Coverage do I Need? (Insurance Information Insitute)
- What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
- Think You’re a Safe Driver? (State Farm)
- Frontal Crash Tests (iihs.org)
- Avoiding Deer Collisions (Insurance Information Insitute)
- Understanding Car Crashes Video (iihs.org)
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