Cheapest 2006 Ford Fusion Insurance Rates in 2023
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UPDATED: Jun 3, 2023
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Searching for cheaper auto insurance rates for your Ford Fusion? No one in their right mind likes having to buy auto insurance, particularly when they are paying too much. There are many car insurance companies to choose from, and even though it’s nice to have a choice, lots of choices makes it harder to compare rates and find the lowest cost auto insurance.
Compare Car Insurance Today
Getting better 2006 Ford Fusion car insurance pricing can be quick and easy. Consumers just need to spend a little time comparing rate quotes provided by online insurance companies. This can be accomplished in several different ways.
- Probably the best way to find low rates would be an industry-wide quote request form click to view form in new window. This easy form prevents you from having to do repetitive form entry for every car insurance company. One form submission gets you price quotes from car insurance companies with the best prices.
- A different way to compare rate quotes is to take the time to go to each company’s website and complete a new quote form. For sake of this example, we’ll pretend you want comparison quotes from USAA, 21st Century and GEICO. To find out each rate you need to spend time on each company’s site to enter your coverage information, and that’s why the first method is more popular.For a handy list of car insurance company links in your area, click here.
Whichever way you use, double check that you are using apples-to-apples coverage information on every quote you get. If you have different liability limits it will be impossible to truly determine the lowest rate.
Pay less for Ford Fusion insurance
Companies offering auto insurance don’t always publicize all available discounts very well, so here is a list some of the best known and also the lesser-known auto insurance savings. If you don’t get every credit possible, you are throwing money away.
- Anti-lock Brake System – Cars that have steering control and anti-lock brakes are safer to drive and earn discounts up to 10%.
- Discount for Good Grades – A discount for being a good student can earn a discount of 20% or more. The good student discount can last up to age 25.
- No Accidents – Good drivers with no accidents can earn big discounts when compared to frequent claim filers.
- Life Insurance Discount – Companies who offer life insurance give a break if you buy life insurance.
- Government Employees – Being employed by or retired from a federal job may qualify you for a discount for Fusion insurance with select insurance companies.
- Low Mileage – Keeping the miles down on your Ford could be rewarded with lower rates on the low mileage vehicles.
- Senior Discount – If you’re over the age of 55, you may be able to get a discount up to 10% for Fusion insurance.
- Safe Driver Discount – Drivers who avoid accidents can pay as much as 50% less for Fusion insurance than their less cautious counterparts.
- Theft Prevention System – Anti-theft and alarm systems can help prevent theft and qualify for as much as a 10% discount.
As a disclaimer on discounts, most discount credits are not given the whole policy. Some only reduce the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears you would end up receiving a 100% discount, you won’t be that lucky.
For a list of companies who offer auto insurance discounts, click here.
Tailor your coverage to you
When buying adequate coverage for your personal vehicles, there really is no cookie cutter policy. Everyone’s needs are different so this has to be addressed. For example, these questions can aid in determining if you could use an agent’s help.
- How high should deductibles be on a 2006 Ford Fusion?
- Does my insurance cover my expensive audio equipment?
- Is my teen driver covered when they drive my company car?
- What is the rate difference between pleasure use and commuting?
- Does coverage extend to Mexico or Canada?
- When should I not file a claim?
- Can I rent a car in Mexico?
- Do I need special endorsements for business use of my vehicle?
If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can provide invaluable advice.
Specifics of your car insurance policy
Having a good grasp of your car insurance policy helps when choosing the best coverages for your vehicles. Policy terminology can be ambiguous and nobody wants to actually read their policy. Listed below are typical coverage types available from car insurance companies.
Comprehensive insurance – This coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.
Comprehensive coverage pays for claims like damage from a tornado or hurricane, theft, a tree branch falling on your vehicle, vandalism and a broken windshield. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.
Auto liability – This provides protection from damage or injury you incur to other’s property or people. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.
Liability can pay for claims like emergency aid, funeral expenses and attorney fees. How much coverage you buy is up to you, but consider buying as high a limit as you can afford.
Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Ford Fusion.
Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.
Collision – This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for claims like colliding with a tree, crashing into a ditch, rolling your car and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.
Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like dental work, prosthetic devices, pain medications and hospital visits. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible
Shop smart and save
In this article, we covered a lot of ways to reduce 2006 Ford Fusion insurance prices online. It’s most important to understand that the more price quotes you have, the better likelihood of reducing your rate. Drivers may discover the most savings is with a lesser-known regional company. They may only write in your state and offer lower rates than their larger competitors like State Farm or Progressive.
As you restructure your insurance plan, never skimp on critical coverages to save a buck or two. In many cases, an insured cut full coverage only to find out that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy the best coverage you can find at the best price, not the least amount of coverage.
Even more information can be found by following these links:
- Top Signs Your Brakes are Giving Out (State Farm)
- Coverage Information (Progressive Insurance)
- Bodily Injury Coverage (Liberty Mutual)
- Neck Injury FAQ (iihs.org)
Frequently Asked Questions
How can I find cheaper auto insurance rates for my 2006 Ford Fusion?
To find cheaper auto insurance rates for your 2006 Ford Fusion, you can compare rate quotes provided by online insurance companies. Spend some time obtaining quotes from different providers, ensuring that you are comparing apples-to-apples coverage information. This will help you determine the lowest cost auto insurance for your vehicle.
Are there any discounts available for Ford Fusion insurance?
Yes, there are several discounts available that can help you save on Ford Fusion insurance. While not all discounts are publicized by insurance companies, it’s important to ask about them. Some of the best known discounts include safe driver discounts, multi-policy discounts, and anti-theft device discounts. Taking advantage of these discounts can help reduce your insurance costs.
How do I tailor my coverage to suit my needs?
When purchasing car insurance for your Ford Fusion, it’s essential to customize your coverage to meet your specific needs. There is no one-size-fits-all policy when it comes to auto insurance. Consider factors such as your driving habits, the value of your vehicle, and your personal circumstances. You may also want to consult with a licensed insurance agent who can provide expert advice tailored to your situation.
How can I save money on auto insurance without compromising coverage?
While it’s important to find affordable auto insurance rates, it’s equally important not to compromise coverage. Here are some tips to help you save money on auto insurance without sacrificing necessary protection:
- Compare quotes from multiple insurance providers to find the best rate.
- Take advantage of available discounts offered by insurance companies.
- Consider increasing your deductibles, but ensure you can afford to pay them out of pocket if needed.
- Maintain a good driving record and avoid accidents or traffic violations.
- Bundle your auto insurance with other policies, such as home or renters insurance, to qualify for multi-policy discounts.
Remember, the goal is to find the best coverage at the best price, rather than reducing coverage to save a few dollars.
Can I get auto insurance coverage for my 2006 Ford Fusion even if it’s an older vehicle?
Yes, you can still obtain auto insurance coverage for your 2006 Ford Fusion, even though it’s an older vehicle. Insurance companies offer coverage for vehicles of different ages, including older models. However, it’s important to note that the cost of insurance for older cars may be different compared to newer models. Factors such as the vehicle’s value, safety features, and repair costs can affect the insurance premium. It’s advisable to compare quotes from different insurers to find the most affordable coverage for your 2006 Ford Fusion.
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