2010 Ford Fusion Hybrid Car Insurance Quotes – 6 Tips for Best Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Jun 12, 2015

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Overwhelmed by the crazy number of insurance coverage companies? Many other drivers are as well. Drivers have so many options available that it can be a lot of work to find the lowest price.

If you are paying for car insurance now, you stand a good chance to be able to save some money using this information. The purpose of this article is to help you learn the best way to quote coverages and some tricks to saving. But car owners can benefit by having an understanding of the way insurance companies compete online and apply this information to your search.

Don’t overlook these six discounts

Insurance can cost an arm and a leg, but there are discounts available to reduce the price significantly. Larger premium reductions will be automatically applied when you quote, but a few need to be specially asked for before being credited.

  • Life Insurance – Select insurance companies reward you with a break if you buy life insurance.
  • Senior Discount – If you qualify as a senior citizen, you may qualify for a small decrease in premiums for Fusion Hybrid insurance.
  • Service Members Pay Less – Being deployed with a military unit could mean lower rates.
  • Good Student – A discount for being a good student can be rewarded with saving of up to 25%. This discount can apply well after school through age 25.
  • Multi-car Discount – Insuring more than one vehicle with the same company may reduce the rate for each vehicle.
  • Low Mileage – Keeping the miles down on your Ford could be rewarded with discounted rates on garaged vehicles.

Keep in mind that some credits don’t apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like comprehensive or collision. So despite the fact that it appears having all the discounts means you get insurance for free, companies wouldn’t make money that way. Any amount of discount will reduce your overall premium however.

Car insurance companies that may have these benefits may include but are not limited to:

Before buying, ask each company what discounts are available to you. Some discounts might not apply in every state.

Is my situation unique?

When it comes to buying coverage, there is no cookie cutter policy. Everyone’s situation is unique.

For instance, these questions can help discover if your situation would benefit from professional advice.

  • What is no-fault insurance?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Do I have coverage if my license is suspended?
  • How much underlying liability do I need for an umbrella policy?
  • When should I drop full coverage on my 2010 Ford Fusion Hybrid?
  • Can I rate high risk drivers on liability-only vehicles?
  • Do I need higher collision deductibles?
  • Why does it cost so much to insure a teen driver?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, take a second and complete this form.

Specifics of your insurance policy

Having a good grasp of your policy can help you determine the best coverages and proper limits and deductibles. Insurance terms can be ambiguous and coverage can change by endorsement.

Liability coverages

This protects you from damages or injuries you inflict on people or other property by causing an accident. It protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things such as loss of income, attorney fees and court costs. The amount of liability coverage you purchase is a personal decision, but consider buying as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Ford Fusion Hybrid.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time the UM/UIM limits are set the same as your liablity limits.

Comprehensive auto coverage

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like hitting a bird, damage from getting keyed, fire damage, hitting a deer and a tree branch falling on your vehicle. The highest amount your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision coverage

Collision coverage covers damage to your Fusion Hybrid resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as driving through your garage door, scraping a guard rail and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for short-term medical expenses for things like surgery, dental work and funeral costs. They can be utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and may carry a deductible

Save for a rainy day

While you’re price shopping online, you should never skimp on coverage in order to save money. There are too many instances where someone sacrificed full coverage only to regret they didn’t have enough coverage. Your aim should be to find the BEST coverage at a price you can afford, not the least amount of coverage.

We just showed you many tips how you can compare 2010 Ford Fusion Hybrid insurance prices online. It’s most important to understand that the more price quotes you have, the better chance you’ll have of finding lower rates. You may be surprised to find that the best price on insurance coverage is with the least-expected company.

Consumers leave their current company for many reasons like questionable increases in premium, not issuing a premium refund, high prices and even denial of a claim. No matter why you want to switch, finding a great new company is pretty easy and you might even save some money in the process.

For more information, feel free to browse these articles:

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