Consumers Uncover How to Pay Less for Ford Fusion Insurance

Shoppers have many options when shopping for the lowest priced Ford Fusion insurance. You can either waste hours calling around trying to get quotes or utilize the internet to compare rates.

There is a better way to compare auto insurance rates and we’ll show you the proper way to price shop coverage on a Ford and obtain the cheapest rates from local insurance agents and online providers.

The purpose of this article is to help you learn how to get online quotes and some money-saving tips. If you are paying for car insurance now, you will be able to reduce your rates substantially using this strategy. But drivers must learn how the larger insurance companies sell online because it can help you find the best coverage.

Auto Insurance Prices

There are multiple methods to compare auto insurance quotes, and some are less time-consuming than others. You could spend your day talking to insurance agencies in your area, or you can utilize the web to get the quickest rates.

The majority of car insurance companies participate in an industry program where insurance shoppers enter their policy data once, and every company then gives them pricing. This eliminates the need for repetitive form submissions to every company.

To use this form to compare rates click here to start a free quote.

The one downside to using this type of system is you can’t choose the insurers you want pricing from. So if you want to select individual companies to compare rates, we have assembled a list of auto insurance companies in your area. Click here for list of insurance companies.

Whichever way you use, ensure you’re using identical information for every company. If you compare differing limits then you won’t be able to decipher which rate is best. Just a small difference in coverages may result in large price differences. Just keep in mind that having more price comparisons gives you a better chance of getting lower pricing.

Do you qualify for discounts?

The price of auto insurance can be rather high, but there could be available discounts to cut the cost considerably. A few discounts will automatically apply when you quote, but lesser-known reductions have to be requested specifically before they will apply. car insurance

  • Good Students Pay Less – This discount can get you a discount of up to 25%. This discount can apply up until you turn 25.
  • No Claims – Claim-free drivers can earn big discounts as compared to accident-prone drivers.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to use their safety belts can save 10% or more off your PIP or medical payments premium.
  • Save over 55 – If you’re over the age of 55, you can possibly qualify for better auto insurance rates on Fusion coverage.
  • Discounts for Safe Drivers – Safe drivers can get discounts for up to 45% lower rates on Fusion coverage than less cautious drivers.

Consumers should know that most credits do not apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like medical payments or collision. Just because you may think all the discounts add up to a free policy, companies wouldn’t make money that way. Any amount of discount will reduce the cost of coverage.

To see a list of insurance companies with the best auto insurance discounts, click this link.

Don’t I need to talk to an agent?

Some consumers would prefer to buy from a local agent. The biggest benefit of comparing insurance prices online is the fact that you can find the lowest rates and still have an agent to talk to. Buying from small agencies is especially important if you live in a smaller city or town.

To help locate an agent, after submitting this simple form, your insurance coverage information is emailed to local insurance agents who will give you bids for your coverage. You won’t need to leave your computer since price quotes are sent to your email. It doesn’t get any easier! You can find the lowest rates and work with a local agent.

Multiple types of car insurance agents

When finding an insurance agent, you need to know there are two different agency structures to choose from. Agencies are either captive or independent.

Independent Agencies or Brokers

These agents do not work for one specific company but instead can place your coverage with lots of companies and potentially find a lower price. To transfer your coverage to a different company, the agent simply finds a different carrier and you won’t have to switch agencies.

When comparison shopping, we recommend you get quotes from multiple independent agents for maximum quote selection. Most have the option of insuring with smaller regional carriers which may provide better rates.

Agency Captives

These agents can only write with one company and some examples include Liberty Mutual, State Farm, Allstate and AAA. They are unable to provide prices from multiple companies so they have to upsell other benefits. These agents are well schooled in insurance sales which can be an advantage. Some people will only buy from captive agents partially due to the prominence of the brand and the convenience of having all coverages with one company.

For a complete listing of agencies, click here.

find Fusion insurance

Selecting an auto insurance agent should depend on more than just the price. Agents should be asked these questions:

  • Are they full-time agents?
  • Can glass repairs be made at your home?
  • Is their price quote a firm figure or are their hidden costs?
  • Do the coverages you’re quoting properly cover your vehicle?
  • Does the agency have a good rating with the Better Business Bureau?

Upon receiving reasonable responses for all questions you ask and a good coverage price, it’s possible that you found a car insurance agent that is a good match to service your policy.

Compare but don’t skimp

Low-cost Ford Fusion insurance can be bought from both online companies and also from your neighborhood agents, so you should be comparing quotes from both in order to have the best price selection to choose from. There are still a few companies who may not provide online quoting and these regional insurance providers work with independent agents.

We covered quite a bit of information on how to lower your Ford Fusion insurance rates. It’s most important to understand that the more companies you get rates for, the higher your chance of finding lower rates. Drivers may discover the lowest rates come from a smaller regional carrier.

As you prepare to switch companies, do not reduce coverage to reduce premium. There are too many instances where consumers will sacrifice collision coverage only to regret that the small savings ended up costing them much more. Your focus should be to purchase plenty of coverage at a price you can afford while still protecting your assets.