2020 Ford Fusion Car Insurance Rates in 2024 – 8 Tricks for Best Quotes

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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: May 15, 2024

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Locating the cheapest insurance for a Ford Fusion can normally be an all-consuming task, but you can use our car insurance buying tips to save time.

There is a better way to shop for car insurance so you’re going to learn the absolute fastest way to price shop coverage for your Ford and obtain the best price possible from local insurance agents and online providers.

It’s a good idea to price shop coverage occasionally because car insurance rates go up and down regularly. Even if you got the lowest premium rates for Fusion insurance last year other companies may now be cheaper. Block out anything you think you know about car insurance because we’re going to show you one of the quickest ways to find lower rates on car insurance.

Discount car insurance rates

Insurance can cost an arm and a leg, but discounts can save money and there are some available to reduce the price significantly. Certain discounts will be triggered automatically at quote time, but a few must be inquired about before you will receive the discount.

  • Senior Citizens – If you qualify as a senior citizen, you may be able to get reduced rates for Fusion insurance.
  • Student Driver Training – Reduce the cost of insurance for teen drivers by having them complete a driver education course in school or through a local driver safety program.
  • Passive Restraint Discount – Cars that have air bags or motorized seat belts may qualify for discounts of 20 to 30 percent.
  • Military Rewards – Being deployed in the military can result in better premium rates.
  • Clubs and Organizations – Joining qualifying clubs or civic groups could qualify you for a break when getting a insurance quote.
  • Distant Student – College-age children who attend college more than 100 miles from home and do not have access to a covered vehicle can be insured at a reduced rate.
  • Pay Now and Pay Less – If paying your policy premium upfront rather than paying in monthly installments you could save 5% or more.
  • Federal Employees – Simply working for the federal government can earn a discount up to 10% for Fusion insurance with select insurance companies.

One last thing about discounts, many deductions do not apply to your bottom line cost. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates it’s possible to get free car insurance, it just doesn’t work that way.

To see a list of providers who offer online car insurance quotes, enter your zip code here.

The most recommended method to get policy rate comparisons is to understand auto insurance companies pay for the opportunity to compare rate quotes. All consumers are required to do is provide a small amount of information such as whether you are married, if you lease or own, types of safety features, and your occupation. Your information is instantly sent to many different companies and they return quotes instantly to find the best rate.

Tailor your auto insurance coverage to you

When buying adequate coverage, there really is no single plan that fits everyone. Everyone’s situation is unique.

Here are some questions about coverages that can help discover whether you would benefit from an agent’s advice.

  • Is my dog or cat covered if injured in an accident?
  • Is my teenager covered with friends in the car?
  • Should I buy additional glass protection?
  • Am I covered if I hit my neighbor’s mailbox?
  • Do I need to file an SR-22 for a DUI in my state?
  • When should I not file a claim?
  • Does insurance cover damages from a DUI accident?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out your zip code. It is quick, free and can provide invaluable advice.

Car insurance coverage information

Learning about specific coverages of your policy can be of help when determining which coverages you need for your vehicles. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Auto collision coverage

This coverage covers damage to your Fusion resulting from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims such as scraping a guard rail, rolling your car and driving through your garage door. 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. Another option is to choose a higher deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision

This pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like hitting a bird, damage from getting keyed, a broken windshield and vandalism. The maximum payout your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

UM/UIM Coverage

Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your Ford Fusion.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Liability

Liability insurance protects you from damages or injuries you inflict on other’s property or people in an accident. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 which stand for $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims such as pain and suffering, loss of income, repair costs for stationary objects, funeral expenses and attorney fees. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for expenses for ambulance fees, funeral costs, nursing services and prosthetic devices. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Be a penny pincher

Consumers change insurance companies for a variety of reasons including poor customer service, policy non-renewal, high rates after DUI convictions and policy cancellation. Whatever your reason, finding a new company is actually quite simple.

In this article, we covered quite a bit of information on how to compare 2020 Ford Fusion insurance prices online. It’s most important to understand that the more rate comparisons you have, the better chance you’ll have of finding cheaper insurance. You may even discover the most savings is with a small local company.

When trying to cut insurance costs, make sure you don’t reduce needed coverages to save money. There have been many cases where someone sacrificed uninsured motorist or liability limits and discovered at claim time they didn’t have enough coverage. Your goal should be to find the BEST coverage at the lowest possible cost, but do not sacrifice coverage to save money.

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