2019 Ford Fusion Energi Insurance Quotes in 2024 – 5 Tips for Best Rates

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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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Have you had enough of scraping nickels together to pay high insurance rates every month? You are no different than many other vehicle owners. Due to the fact that there are so many companies and agents to choose from, it’s nearly impossible to pick a more affordable insurance company.

It’s a good habit to quote other rates once or twice a year due to the fact that insurance prices fluctuate regularly. Just because you had the best deal for Fusion Energi insurance six months ago you can probably find a better premium rate now. Block out anything you think you know about insurance because you’re going to get a crash course in the fastest way to save money, get proper coverage and the best rates.

How to buy car insurance

Finding more affordable car insurance rates can be quick and easy. All that’s required is to spend a little time to compare free insurance coverage quotes to discover which company has low cost insurance coverage quotes. Price comparisons can be done in several different ways.

  1. One of the best ways to compare a lot of rates at once would be an industry-wide quote request form. This quick form keeps you from doing boring form submissions for each company you want a rate for. Filling out one form will get you price quotes from car insurance companies with the best prices.
  2. A different way to get comparison quotes requires visiting each company’s website and repeat the quote process. For examples sake, let’s assume you need rates from State Farm, GEICO and American Family. To do that, you would have to take the time to go to each site and type in your information over and over, which can take a lot of time.
  3. The hardest method to compare price estimates is calling or driving to insurance agents’ offices. The ability to quote online eliminates this option unless you prefer the peace of mind only provided by licensed agents. However, consumers can comparison shop your insurance online but buy the policy through an agent.

Whichever way you choose to compare rates, be certain you are entering apples-to-apples quote information for each comparison quote. If you enter different limits and deductibles on each one it will be very difficult to get a fair rate comparison.

Drivers can save with these five rate-reducing discounts

Companies that sell car insurance don’t always list every discount available in a way that’s easy to find, so the next list breaks down both well-publicized as well as the least known credits that may apply to you.

  • Student Driver Training – Require your teen driver to complete a driver education course if it’s offered in school.
  • Passenger Safety Discount – Factory options such as air bags and/or automatic seat belt systems may earn rate discounts as much as 30%.
  • Online Discount – Some insurance companies provide a small discount for buying a policy and signing up online.
  • Low Miles Discount – Driving fewer miles could earn substantially lower rates.
  • Multi-Vehicle Discounts – Insuring more than one vehicle with the same insurance company can reduce rates for all insured vehicles.

Policy discounts save money, but most of the big mark downs will not be given to all coverage premiums. Most only apply to the price of certain insurance coverages like medical payments or collision. Just because it seems like all the discounts add up to a free policy, companies don’t profit that way. Any amount of discount will help lower your overall premium however.

A list of insurance companies and some of their more popular discounts are:

  • Progressive has discounts for homeowner, good student, multi-policy, online signing, multi-vehicle, continuous coverage, and online quote discount.
  • GEICO offers discounts including military active duty, anti-theft, emergency military deployment, air bags, anti-lock brakes, good student, and daytime running lights.
  • State Farm may include discounts for student away at school, Steer Clear safe driver discount, multiple policy, anti-theft, and defensive driving training.
  • Esurance may offer discounts for online quote, claim free, safety device, good driver, and anti-lock brakes.
  • The Hartford offers premium reductions for defensive driver, driver training, bundle, good student, vehicle fuel type, air bag, and anti-theft.

If you need lower rates, check with each company or agent how many discounts you can get. Depending on the company, some discounts may not apply to policies in your area. To see a list of companies that offer some of these discounts, enter your zip code here.

Do I need special coverages?

When it comes to choosing proper insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. These are some specific questions may help you determine whether your personal situation will benefit from professional help.

  • What is the ISO rating for a 2019 Ford Fusion Energi?
  • Do I need special endorsements for business use of my vehicle?
  • How do I insure my teen driver?
  • How do I file an SR-22 for a DUI in my state?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Am I covered if I wreck a rental car?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, simply complete your zip code. It’s fast, doesn’t cost anything and can provide invaluable advice.

Car insurance coverages and their meanings

Knowing the specifics of a car insurance policy can help you determine which coverages you need for your vehicles. Car insurance terms can be impossible to understand and reading a policy is terribly boring. Listed below are typical coverages offered by car insurance companies.

Comprehensive (Other than Collision)

This covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like hail damage, vandalism, hitting a deer, falling objects and damage from a tornado or hurricane. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Ford Fusion Energi.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Collision coverage protection

Collision coverage covers damage to your Fusion Energi caused by collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision can pay for things such as scraping a guard rail, colliding with a tree, rolling your car, backing into a parked car and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also bump up the deductible to get cheaper collision coverage.

Coverage for liability

This protects you from damage that occurs to people or other property that is your fault. It protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims like legal defense fees, structural damage, funeral expenses and bail bonds. How much liability coverage do you need? That is up to you, but consider buying higher limits if possible.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like X-ray expenses, ambulance fees, nursing services, doctor visits and surgery. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Shop around and save

As you quote insurance coverage, make sure you don’t buy lower coverage limits just to save a few bucks. There are many occasions where an insured dropped uninsured motorist or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy a smart amount of coverage at the best price, but do not sacrifice coverage to save money.

Throughout this article, we presented some good ideas how you can reduce 2019 Ford Fusion Energi insurance rates online. The key thing to remember is the more quotes you get, the better likelihood of getting inexpensive insurance coverage. You may be surprised to find that the best price on insurance is with the least-expected company. Regional companies often have lower car insurance rates on specific markets compared to the large companies like Allstate and Progressive.

Some insurance companies do not offer the ability to get quotes online and these small, regional companies only sell coverage through independent agents. Low-cost 2019 Ford Fusion Energi insurance is available online and also from your neighborhood agents, so you should be comparing quotes from both so you have a total pricing picture.

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