Cheaper Ford Fusion Insurance in Five Minutes or Less
If comparing car insurance was easy, most of us would do it more often. But the reality is, it's a chore for most people and we seem to always end up paying more than we want to. You probably feel the same way about finding lower cost coverage for your Ford Fusion.
Step One: Compare Multiple Rates
Years ago, your local insurance agent was the only way to quote a buy a car insurance policy. But you can now comparison shop and buy direct online!
Comparing apples-to-apples price quotes for your Ford Fusion is made easy by only requiring one form to be completed. This will shop your coverage with multiple companies and allow you to easily compare rates.
To compare rates now, have your current policy handy (if you have one) and click the link below. Complete the short form and move on to step two.
Quote Tip! When doing car insurance quotes for your Fusion, make sure you use the exact same values for coverages and deductibles. If you use different limits, you will not be able to fairly compare rates between different companies.
Step Two: How to Insure your Fusion for Less
After completing step one above, you can now learn some of the other ways to slash your Fusion insurance costs.
- Car insurance disounts for senior citizens are often offered by companies as well as discounts for belonging to a professional organization.
- If you're not sure what your credit rating is, check it now. Car insurance companies use your credit score to determine the rates you pay, so the better your credit, the less you will pay.
- Ask your insurance company if there is a discount for completing a driver's safety course. It may get you up to a 10% discount at your next renewal.
- If your Ford is equipped with safety features such as airbags, anti-lock brakes or a security system, insurance companies will often give a minor discount for those.
- One of the easiest ways to cut your rates is to increase your comprehensive and collision deductibles. By having a higher deductible like $500 or even $1,000, you can save 30% or more on physical damage coverage.
- Particular years and models of cars tend to be frequently stolen, and if your Fusion is on that list, chances are your insurance company knows it and will ding you a little extra because of it.
- A claim-free discount can help keep your rates down, so don't file claims that are only marginally more than your deductible. You're better off keeping the discount.
- Owning a home takes financial responsibility, and car insurance companies will often give you a break just for being a homeowner.
- A single speeding ticket can cost you several hundreds of dollars over the next three years thanks to increased car insurance rates. Slow down and drive safely.
- Teenage drivers can be very expensive to insure on newer vehicles will full coverage. You may be better off purchasing an older vehicle for your teenager and only insure it for liability.
- When buying a new policy, you do not want a gap in coverage. This lapse is viewed by insurance companies as a high risk, and you will pay more for your next policy.
Step Three: Select the Best Company for Your Needs
Once you have compared identical rate quotes for your Fusion and made a decision on deductibles, coverages and other policy options, you are ready to buy your policy with the new company.
It's easiest to cancel an old policy at the renewal date, but you can cancel it anytime. Just make sure you have the new policy effective the date you cancel your old policy in order to avoid any lapse in coverage.
Before you drive your Ford Fusion home, make sure you have a current car insurance policy in force. Coverage will extend to the new purchase from your policy, but if you don't have a policy then you have no protection. Comprehensive (or Other than Collision) and collision coverage will extend to your new Fusion if you current have a vehicle insured with those coverages. If you aren't insured or only carry basic liability coverage, then you will be inadequately insured until you add the vehicle to your policy with full coverage.
Once you finish buying your new policy, you will need to print out the proof-of-insurance card that is provided by your new company. This card is proof that you meet the state's minimum liability limits and is required to be kept in your vehicle. If you're considered a high-risk driver, having been convicted of a DUI, DWI, reckless driving or had your license suspended, you may need to file a SR-22. Be sure your new company files this form with your state DMV. Failure to do so can result in losing your right to drive.
Consumer Insurance Information
To find out more information such as auto insurance myths, rental car insurance and how to file a claim, visit the Insurance Information Institute website.
Recent Blog Articles
