Save on 2016 Ford Fusion Energi Insurance Quotes 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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There isn’t a single person who fancies paying their premiums for insurance coverage, especially knowing it costs too dang much. Insurance companies such as GEICO, 21st Century and Progressive constantly blast consumers with advertising and consumers find it hard to avoid their marketing magic and find the best price available.

Consumers need to compare rates on a regular basis since insurance prices fluctuate regularly. Just because you had the lowest rates for Fusion Energi insurance a year ago a different company probably has better rate quotes today. Ignore everything you know about insurance coverage because I’m going to teach you one of the best ways to reduce your cost while increasing coverage.

Which insurance is cheapest?

Finding a better price on insurance is pretty simple and can save money. Drivers just need to spend a few minutes on the computer comparing rate quotes to discover which company has affordable insurance quotes. It’s really simple and can be done using one of these methods.

The most efficient method to get quotes for comparison is an all-inclusive rate comparison. This form saves time by eliminating a different quote for every prospective company. Taking the time to complete one form gets rate comparisons from many national carriers.

A more time consuming way to get quotes online is to manually visit each individual company website and fill out a new quote form. For example, we’ll assume you need rates from Farmers, 21st Century and Progressive. To get rate quotes you would need to navigate to each company’s site and enter your information, which is why first method is recommended.

The last method to comparison shop rate quotes is going to each insurance agency near you. Shopping for insurance online makes this process obsolete unless you require the professional abilities that only an agent can give. Although, it is possible price shop online but have a local agent actually write the policy.

Whichever way you choose to compare rates, ensure you’re using apples-to-apples deductibles and coverage limits on every price quote you get. If each company quotes different limits and deductibles on each one it will be very difficult to truly determine the lowest rate.

Seven tips to get cheaper insurance premiums

A large part of saving on auto insurance is knowing some of the factors that are used to determine your premiums. If you have a feel for what influences your rates, this helps enable you to make changes that could help you find lower premium levels. Lots of factors are considered when you get a price on insurance. Most are fairly basic like a motor vehicle report, although others are less obvious like your vehicle usage or how safe your car is.

  • Only buy what you need – There are many extra coverages that can add up if you aren’t diligent. Insurance for rental car coverage, accident forgiveness, and motor club memberships could be just wasting money. These may sound like a good investment when deciding what coverages you need, but if you’ve never needed them in the past eliminate the coverages to reduce your premium.
  • How many coverages with the same company – Lots of companies will give discounts to clients that buy multiple policies 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. There is a good possibility that you can find better rates even if you insure with multiple companies.
  • Decrease premiums by maintaining coverage – Allowing your auto insurance policy to lapse is a sure-fire way to increase your renewal premiums. Not only will you pay higher rates, getting caught without coverage will get you a license revocation or jail time. You may need to prove you have insurance by filing a SR-22 with your state motor vehicle department to get your license reinstated.
  • Improve your credit history and save – An insured’s credit rating is likely to be a major factor in calculating your premium rate. People that have excellent credit tend to be more responsible and file fewer claims than drivers who have worse credit. So if your credit history is lower than you’d like, you could save money insuring your 2016 Ford Fusion Energi by taking the time to improve your credit score.
  • Drive fewer miles and save – Driving more miles each year the more you’ll pay to insure it. Almost all companies price each vehicle’s coverage based on how the vehicle is used. Cars that do not get driven very much get more affordable rates than those used for commuting. It’s a good idea to make sure your auto insurance declarations sheet shows the proper vehicle usage, because improper ratings can cost you money. A policy that improperly rates your Fusion Energi may be costing you higher rates.
  • Insurance claims cost money – If you are a frequent claim filer, you can definitely plan on increased rates or even have your policy non-renewed. Insurance companies award discounts to people who do not rely on their insurance for small claims. Auto insurance is intended for the bigger claims that can’t be paid out-of-pocket.
  • Traffic violations hurt – Getting just one moving violation can boost insurance rates by twenty percent. Attentive drivers pay lower auto insurance prices as compared to those with violations. Drivers who have severe citations such as DUI, reckless driving or excessive speeding may need to submit a SR-22 form with their state in order to legally drive.

Cheaper car insurance quotes with discounts

Some insurance providers don’t necessarily list every possible discount in an easy-to-find place, so the following list contains a few of the more well known and the harder-to-find credits available to lower your premiums when you buy insurance online. If you don’t get every credit available, you could be getting lower rates.

  • Passive Restraints – Options like air bags or automatic seat belts can receive discounts as much as 30%.
  • Discounts for Seat Belt Usage – Drivers who require all occupants to wear their seat belts can save up to 15% off the medical payments premium.
  • Multiple Policy Discount – If you can bundle your auto and home insurance with the same company they may give you a discount of approximately 10% to 15%.
  • Distant College Student Discount – Children who live away from home to go to college without a vehicle on campus could get you a discount.
  • Early Signing – A few larger companies allow discounts for switching policies prior to your current policy expiring. You can save around 10% with this discount.
  • Full Payment Discount – If paying your policy premium upfront instead of monthly or quarterly installments you can avoid monthly service charges.
  • Government Employee Discount – Being employed by or retired from a federal job could provide a small rate reduction for Fusion Energi insurance but check with your company.
  • Paperless Signup – Some companies give back up to $50 get insurance on the internet.
  • Telematics Devices – People who choose to allow their car insurance company to look at driving habits by using a telematic data system such as In-Drive from State Farm or Allstate’s Drivewise system might get better premium rates if their driving habits are good.
  • ABS Brakes – Cars and trucks with anti-lock braking systems are much safer to drive and therefore earn up to a 10% discount.

Keep in mind that many deductions do not apply to the entire policy premium. Some only reduce individual premiums such as medical payments or collision. Even though the math looks like all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

Companies and their offered discounts are outlined below.

  • Progressive may offer discounts for multi-policy, homeowner, online quote discount, continuous coverage, online signing, and multi-vehicle.
  • MetLife may include discounts for good student, accident-free, claim-free, good driver, defensive driver, and multi-policy.
  • Mercury Insurance discounts include anti-theft, annual mileage, age of vehicle, good driver, accident-free, and multi-car.
  • Nationwide may have discounts that include good student, easy pay, anti-theft, multi-policy, Farm Bureau membership, and defensive driving.
  • GEICO offers discounts for emergency military deployment, military active duty, federal employee, multi-vehicle, and daytime running lights.
  • AAA offers premium reductions for multi-policy, education and occupation, good student, multi-car, pay-in-full, anti-theft, and good driver.

Before buying, ask each insurance company which credits you are entitled to. Some discounts may not apply in your area. To locate insurers with the best car insurance discounts, enter your zip code here.

Tailor your car insurance coverage to you

When buying the right insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Each situation is unique and a cookie cutter policy won’t apply. For example, these questions might point out whether or not you might need professional guidance.

  • Do I need higher collision deductibles?
  • Is my Ford Fusion Energi covered if I use it for business?
  • Does insurance cover tools stolen from my truck?
  • Will I lose any money if I cancel my policy before it expires?
  • Do I need PIP coverage since I have good health insurance?
  • Is my babysitter covered when using my vehicle?
  • Can I drive in Mexico and have coverage?
  • If my pet gets injured in an accident are they covered?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out your zip code. It is quick, free and may give you better protection.

Insurance coverage considerations

Having a good grasp of your policy can help you determine appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring. These are the usual coverages available from insurance companies.

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things like a broken windshield, a tree branch falling on your vehicle, vandalism and theft. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Auto liability

Liability coverage will cover damage or injury you incur to other people or property that is your fault. It protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Occasionally you may see one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for claims such as funeral expenses, pain and suffering and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying higher limits if possible.

Coverage for collisions

Collision insurance pays for damage to your Fusion Energi caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like sustaining damage from a pot hole, damaging your car on a curb, colliding with a tree, colliding with another moving vehicle and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to raise the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as damage to your Ford Fusion Energi.

Because many people carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is a good idea. Most of the time these coverages are similar to your liability insurance amounts.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for ambulance fees, chiropractic care, dental work, EMT expenses and X-ray expenses. They are often utilized in addition to your health insurance program or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Make a quick buck

Cheaper 2016 Ford Fusion Energi insurance can be found both online in addition to local insurance agencies, so you should be comparing quotes from both so you have a total pricing picture. There are still a few companies who do not offer online quoting and these smaller providers only sell coverage through independent insurance agents.

As you shop your coverage around, it’s a bad idea to skimp on critical coverages to save a buck or two. In too many instances, an insured cut liability limits or collision coverage to discover at claim time they didn’t purchase enough coverage. The ultimate goal is to purchase a proper amount of coverage at the best price but still have enough coverage for asset protection.

You just read a lot of techniques to shop for 2016 Ford Fusion Energi insurance online. It’s most important to understand that the more companies you get premium rates for, the more likely it is that you will get a better rate. You may even discover the lowest priced insurance coverage comes from a small mutual company. Smaller companies may only write in your state and offer lower premium rates than the large multi-state companies such as State Farm, GEICO and Nationwide.

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