2015 Ford Fusion Energi Insurance Cost in 2024 – 10 Discounts for Cheapest Prices

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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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Are you regretting buying high-priced auto insurance? Believe me when I say there are lots of residents who feel the same.

Many car insurance companies compete to insure your vehicles, and it can be difficult to compare rates and uncover the absolute lowest rate possible.

If you have car insurance now, you should be able to save some money using this strategy. Buying car insurance is not rocket science. Nevertheless, car owners need to have an understanding of the way insurance companies sell online and take advantage of how the system works.

The quickest method we recommend to get rate comparisons utilizes the fact car insurance companies have advanced systems to quote your coverage. The only thing you need to do is take a few minutes to give details like if the car is leased, coverage limits, whether you have decent credit, and how many miles driven. That information is then submitted to multiple top-rated companies and you will receive price estimates almost instantly.

Lower rates by qualifying for these ten discounts

Insuring your fleet can be pricey, but you may qualify for discounts that could help you make your next renewal payment. Some of these discounts will be visible when you get a quote, but a few need to be requested specifically in order for you to get them.

  • Senior Discount – If you’re over the age of 55, you may be able to get lower premium rates on Fusion Energi coverage.
  • Data Collection Discounts – Drivers that enable data collection to look at their driving habits by using a telematic data system such as State Farm’s In-Drive could save a few bucks if they are good drivers.
  • Smart Student Discounts – Maintaining excellent grades can earn a discount of 20% or more. Earning this discount can benefit you up to age 25.
  • Distant Student – Kids who are enrolled in higher education away from home and don’t have a car may be insured at a cheaper rate.
  • Federal Government Employee – Active or former government employment may qualify for a discount when you quote insurance on Fusion Energi coverage depending on your company.
  • Multi-Vehicle Discounts – Buying a policy with primary and secondary vehicles on one policy may reduce the rate for each vehicle.
  • Passive Restraints – Cars that have air bags or automatic seat belts may qualify for discounts of 25 to 30%.
  • Anti-lock Brake Discount – Vehicles that have steering control and anti-lock brakes can reduce accidents and earn discounts up to 10%.
  • No Claim Discounts – Insureds with no claims or accidents pay much less in comparison with bad drivers.
  • Discount for Life Insurance – If the company offers life insurance, you could get better rates if you take out some life insurance in addition to your auto policy.

One thing to note about discounts is that most credits do not apply to all coverage premiums. Most cut the price of certain insurance coverages like liability and collision coverage. Despite the fact that it seems like adding up those discounts means a free policy, insurance coverage companies aren’t that generous.

The best insurance coverage companies and some of the premium reductions they offer are shown below.

  • Farmers Insurance may offer discounts for electronic funds transfer, pay in full, homeowner, youthful driver, teen driver, and mature driver.
  • State Farm may include discounts for anti-theft, good student, defensive driving training, Drive Safe & Save, and multiple policy.
  • Liberty Mutual offers premium reductions for newly retired, new graduate, new move discount, safety features, exclusive group savings, and new vehicle discount.
  • MetLife has discounts for accident-free, good student, good driver, multi-policy, defensive driver, and claim-free.
  • Progressive offers discounts for continuous coverage, online signing, multi-policy, homeowner, online quote discount, and good student.

Double check with all the companies how you can save money. A few discounts might not apply everywhere. If you would like to view insurance companies with the best discounts, enter your zip code here.

Auto insurance is unique, just like you

When choosing adequate coverage, there really is no single plan that fits everyone. Every insured’s situation is different so your insurance should reflect that For instance, these questions can aid in determining whether you would benefit from an agent’s advice.

  • Am I covered by my spouse’s policy after a separation?
  • When do I need to add a new car to my policy?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Exactly who is provided coverage by my policy?
  • If my pet gets injured in an accident are they covered?
  • Is a fancy paint job covered?
  • Why am I required to buy high-risk coverage?
  • What can I do if my company denied a claim?
  • I have good health insurance, so how much medical payments coverage do I need?
  • What happens if I owe more than my 2015 Ford Fusion Energi is worth?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete your zip code.

Detailed coverages of your insurance policy

Understanding the coverages of your policy can be of help when determining the right coverages for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Below you’ll find typical coverages available from insurance companies.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford Fusion Energi.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP kick in for expenses such as surgery, dental work and nursing services. They are used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to you and your occupants and also covers getting struck while a pedestrian. PIP is not an option in every state and may carry a deductible

Comprehensive insurance – Comprehensive insurance pays for damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as vandalism, rock chips in glass, a broken windshield, damage from getting keyed and theft. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability car insurance – This can cover damage that occurs to other people or property that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for claims like bail bonds, repair costs for stationary objects, emergency aid, medical services and pain and suffering. How much coverage you buy is your choice, but buy as much as you can afford.

Collision coverages – Collision coverage will pay to fix damage to your Fusion Energi 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 insurance covers claims like hitting a parking meter, crashing into a ditch, sideswiping another vehicle, hitting a mailbox and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Pennies from heaven

When buying insurance coverage, it’s very important that you do not buy less coverage just to save a little money. There are many occasions where an insured dropped physical damage coverage only to regret that a couple dollars of savings turned into a financial nightmare. Your strategy should be to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.

There are still a few companies who don’t offer price quotes online and these regional insurance providers only sell through local independent agencies. Cost effective 2015 Ford Fusion Energi insurance can be bought from both online companies and with local insurance agents, so compare prices from both to get a complete price analysis.

In this article, we presented a lot of tips how to lower your 2015 Ford Fusion Energi insurance rates. The key thing to remember is the more quotes you get, the better your comparison will be. You may even find the best rates are with a small mutual company. They may often insure only within specific states and give getter rates than their larger competitors like Progressive or GEICO.

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