Cheapest 2007 Ford Fusion Insurance Rates in 2023
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UPDATED: Jun 4, 2023
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Have you fallen victim to an underperforming, overpriced auto insurance policy? Believe me when I say there are a lot of people just like you who feel imprisoned by their auto insurance policy.
Multiple insurance companies compete for your business, so it’s not easy to compare every insurance company and get the definite best rate
It’s important to compare rates at least once a year due to the fact that insurance rates fluctuate regularly. Just because you had the best deal for Fusion coverage six months ago a different company probably has better rates today. Block out anything you think you know about auto insurance because I’m going to let you in on the secrets to the easiest way to get good coverage at a lower rate.
Do you qualify for these six discounts?
Insuring your vehicles can cost a lot, but companies offer discounts that you may not know about. Most are applied at quote time, but lesser-known reductions have to be inquired about prior to receiving the credit.
- Discount for Good Grades – Getting good grades can save 20 to 25%. The discount lasts up until you turn 25.
- Accident Free – Drivers with accident-free driving histories pay less as compared to accident-prone drivers.
- Theft Prevention Discount – Anti-theft and alarm systems are stolen less frequently and will save you 10% or more.
- Government Employees – Employees or retirees of the government may qualify you for a discount for Fusion coverage with certain companies.
- Military Discounts – Having a family member in the military could be rewarded with lower premiums.
- Bundle and Save – If you have multiple policies with the same insurance company you may earn approximately 10% to 15%.
Consumers should know that most credits do not apply to all coverage premiums. Most only apply to the price of certain insurance coverages like collision or personal injury protection. Just because it seems like adding up those discounts means a free policy, companies wouldn’t make money that way. But all discounts will cut the cost of coverage.
A partial list of companies that may have these benefits are:
- State Farm
- American Family
- Mercury Insurance
- Farmers Insurance
Double check with every prospective company how you can save money. Some discounts may not be available in every state.
How to Lower Your Insurance Cost
There are several ways of comparing rate quotes and find the best price. The simplest method to find the cheapest 2007 Ford Fusion insurance rates is to get quotes online. This can be done using a couple different methods.
- A less efficient way to shop for insurance online requires visiting the website of each company and fill out their own quote form. For sake of this example, let’s say you want comparison quotes from Progressive, Esurance and Liberty Mutual. To get each rate you have to visit each site and enter your policy data, and that’s why the first method is more popular.
It’s up to you which method you use, but double check that you are using exactly the same information on every quote. If you use differing limits it will be next to impossible to determine which rate is truly the best. Just a small difference in limits may result in large price differences. And when price shopping your coverage, obtaining a wide range of quotes provides better odds of finding the best offered rates.
Don’t assume everyone needs the same coverage
When it comes to buying the right insurance coverage, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. Here are some questions about coverages that might help in determining if your situation may require specific advice.
- Which companies will insure high-risk drivers?
- Do I need PIP (personal injury protection) coverage in my state?
- Why do I need rental car insurance?
- Does insurance cover tools stolen from my truck?
- Does my insurance cover my expensive audio equipment?
- Can I get a multi-policy discount for packaging my home and auto coverage?
- Is extra glass coverage worth it?
- Will my vehicle be repaired with OEM or aftermarket parts?
If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an insurance agent.
Auto insurance coverages 101
Knowing the specifics of your auto insurance policy helps when choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be confusing and coverage can change by endorsement. Below you’ll find typical coverages available from auto insurance companies.
Comprehensive insurance pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive coverage pays for claims like damage from a tornado or hurricane, hail damage and damage from getting keyed. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.
Coverage for medical payments
Med pay and PIP coverage pay for expenses like EMT expenses, nursing services and funeral costs. They can be used in conjunction with a health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and may carry a deductible
Uninsured and underinsured coverage
This coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.
Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is very important. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.
Auto liability insurance
This coverage protects you from damage or injury you incur to people or other property that is your fault. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.
Liability insurance covers claims like court costs, attorney fees, emergency aid, medical expenses and medical services. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.
Collision coverage will pay to fix damage to your Fusion resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.
Collision insurance covers claims like backing into a parked car, colliding with a tree, crashing into a building, scraping a guard rail and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. You can also bump up the deductible to get cheaper collision coverage.
Don’t be a big spender
When trying to cut insurance costs, it’s a bad idea to sacrifice coverage to reduce premiums. In many instances, drivers have reduced physical damage coverage and learned later that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy a smart amount of coverage at an affordable rate while still protecting your assets.
We just covered many ways to compare 2007 Ford Fusion insurance prices online. The key thing to remember is the more price quotes you have, the higher the chance of saving money. Consumers may even find the lowest priced car insurance comes from some of the lesser-known companies. They may have significantly lower rates on certain market segments than the large multi-state companies such as Allstate, GEICO and Progressive.
- State Car Insurance Guides (GEICO)
- Anti-Lock Brake FAQ (iihs.org)
- Can I Drive Legally without Insurance? (Insurance Information Insitute)
- Airbag FAQ (iihs.org)
Frequently Asked Questions
Should I sacrifice coverage to reduce premiums?
It’s not recommended to sacrifice coverage to reduce premiums. It’s important to find a balance between affordable rates and adequate coverage to protect your assets.
What are some typical auto insurance coverages?
Some typical coverages include Comprehensive coverage, Coverage for medical payments (Med Pay and PIP), Uninsured and Underinsured coverage, Auto liability insurance, and Collision insurance.
Do I need the same coverage as everyone else?
No, the right insurance coverage depends on your specific needs. You may need to consider factors such as high-risk driver coverage, PIP coverage, rental car insurance, coverage for stolen tools or expensive audio equipment, multi-policy discounts, and more.
Which companies may offer these discounts?
Companies such as State Farm, American Family, AAA, GEICO, Mercury Insurance, Farmers Insurance, and Progressive may have these benefits, among others.
Is it worth getting extra glass coverage?
The value of extra glass coverage depends on your individual circumstances. Consider factors such as the likelihood of glass damage, the cost of repairs, and your deductible. Evaluate whether the additional coverage is worth the potential savings.
Will my vehicle be repaired with original equipment manufacturer (OEM) or aftermarket parts?
This can vary depending on the insurance company and your policy. It’s recommended to clarify this with your insurance agent or company to understand their specific policy regarding repairs and replacement parts.
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