Shoppers have many options when shopping for affordable Ford Fusion insurance. They can either waste time contacting agents getting price quotes or utilize the internet to compare rates.
There are both good and bad ways to compare car insurance rates and we’ll show you the quickest way to price shop coverage on a Ford and obtain the best price possible either online or from local insurance agents.
The purpose of this post is to help you learn how car insurance quotes work and some tips to save money. If you are paying for car insurance now, you will be able to reduce your rates substantially using this strategy. Vehicle owners just need to learn the proper methods to shop online.
Compare Ford Focus Insurance
Most major insurance companies like 21st Century, Allstate and State Farm provide coverage prices directly from their websites. This process is pretty painless as you simply type in your personal and coverage information as requested by the quote form. Behind the scenes, their system will obtain credit information and your driving record and returns a price.
Quoting online makes comparing rates easy, but the work required to visit multiple sites and type in the same information can be a bit tiresome and repetitive. But it’s absolutely necessary to get many rate quotes if you want to find the lowest possible prices on car insurance.
An easier way to compare rates uses one form that gets prices quotes from more than one company. This type of form saves time, eliminates form submissions, and makes comparison shopping much simpler. After your information is entered, it is rated and you are able to buy any one of the quotes that you receive.
If one or more price quotes are lower than your current rates, you simply finish the application and purchase coverage. The whole process takes just a few minutes to complete and may save quite a bit of money.
If you want to compare rates using this form now, simply click here to open in new window and enter your vehicle and coverage information. If you have a policy now, it’s recommended you replicate deductibles and limits exactly as shown on your declarations page. Doing this assures you are getting a fair comparison based on identical coverages.
Take discounts and save
The cost of insuring your cars can be expensive, but there are discounts available to cut the cost considerably. A few discounts will automatically apply at the time you complete a quote, but less common discounts must be requested specifically before they will apply. If you’re not getting every credit available, you’re just leaving money on the table.
- Anti-theft System – Vehicles with anti-theft systems prevent vehicle theft and will save you 10% or more.
- Seat Belt Usage – Buckling up and requiring all passengers to buckle their seat belts could cut 10% or more off your medical payments premium.
- Senior Discount – Older drivers can possibly qualify for a small decrease in premiums.
- More Vehicles More Savings – Insuring multiple cars or trucks on one policy may reduce the rate for each vehicle.
- Multiple Policy Discount – When you have multiple policies with the same company you will save 10% to 20% off each policy.
- Low Mileage Discounts – Keeping the miles down on your Ford could qualify for a substantially lower rate.
- One Accident Forgiven – Certain companies will forgive one accident without raising rates if your claims history is clear for a certain period of time.
- Pay Upfront and Save – By paying your policy upfront rather than paying monthly you could save up to 5%.
- Homeowners Pay Less – Simply owning a home can save you money because of the fact that having a home demonstrates responsibility.
A little note about advertised discounts, some credits don’t apply to all coverage premiums. A few only apply to individual premiums such as medical payments or collision. So even though it sounds like you can get free auto insurance, it just doesn’t work that way. Any amount of discount will bring down your overall premium however.
Compare but don’t skimp
Drivers who switch companies do it for a number of reasons such as delays in paying claims, an unsatisfactory settlement offer, not issuing a premium refund and questionable increases in premium. It doesn’t matter what your reason, choosing a new insurance company is less work than it seems.
While you’re price shopping online, don’t be tempted to reduce needed coverages to save money. There are many occasions where drivers have reduced uninsured motorist or liability limits only to regret at claim time they didn’t have enough coverage. Your goal should be to buy enough coverage at a price you can afford while still getting proper protection
Cheaper Ford Fusion insurance can be bought on the web as well as from independent agents, so compare prices from both to get a complete price analysis. Independent agents have access to many small mutal insurance companies that don’t always offer online quoting.
