Cheapest 2016 Ford Fusion Insurance Rates in 2023
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UPDATED: Nov 30, 2021
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Trying to find lower insurance rates for your Ford Fusion? Searching for low-cost insurance for a Ford Fusion can be an all-consuming task, but you can learn our insurance buying tips to save time.
There are both good and bad ways to shop for insurance so we’re going to tell you the best way to compare rates for your Ford and obtain the lowest possible price either online or from local insurance agents.
Consumers need to check insurance prices occasionally because prices are adjusted regularly by insurance companies. Despite the fact that you may have had the best deal on Fusion coverage six months ago you can probably find a lower rate today. There is too much inaccurate information about insurance online, so I’m going to show you some proven techniques to save money.
If you have insurance now or are shopping for new coverage, you can use these techniques to reduce the price you pay and still get good coverage. Buying cheaper coverage is quite easy. Vehicle owners only need an understanding of the tricks to shop over the internet.
Free Insurance Coverage Quotes
Effectively comparing insurance coverage prices can be a lot of work if you don’t know the best way to get rate quotes. You can waste hours talking about coverages with insurance agencies in your area, or you could save time and use the web for quick rates.
Many of the larger companies are enrolled in a marketplace that enables customers to send in one quote, and at least one company returns a competitive quote based on the submitted data. This saves time by eliminating quote forms to each company.
The single downside to using this type of system is you cannot specify the companies you want to price.
Whichever method you choose, make absolute certain that you use apples-to-apples coverage information with each company. If you are comparing different values for each quote it’s impossible to find the best deal for your Ford Fusion.
Don’t pay full price with these five discounts
Car insurance can cost a lot, buy you may qualify for discounts to help offset the cost. A few discounts will automatically apply when you get a quote, but a few must be manually applied prior to receiving the credit. If they aren’t giving you every credit possible, you are paying more than you should be.
- Claim Free – Drivers who don’t have accidents pay much less when compared with accident-prone drivers.
- Lower Rates for Military – Being deployed with a military unit could mean lower rates.
- Safe Driver Discount – Insureds without accidents can pay as much as 50% less on Fusion coverage than their less cautious counterparts.
- Discount for Life Insurance – Companies who offer life insurance give lower rates if you buy life insurance.
- Good Students Pay Less – Getting good grades can be rewarded with saving of up to 25%. This discount can apply until age 25.
Drivers should understand that most credits do not apply to all coverage premiums. Most only reduce the cost of specific coverages such as liability and collision coverage. Just because it seems like all those discounts means the company will pay you, you’re out of luck. Any amount of discount will cut your overall premium however.
Car insurance companies that possibly offer some of the above discounts may include but are not limited to:
- State Farm
- American Family
- Liberty Mutual
Check with all companies you are considering which discounts they offer. Some discounts might not be offered everywhere.
Your personal situation dictates your coverage
When buying the right insurance coverage, there is no “best” method to buy coverage. Every situation is different.
Here are some questions about coverages that might point out whether your personal situation could use an agent’s help.
- Is my vehicle covered by my employer’s policy when using it for work?
- Should I waive the damage coverage when renting a car?
- How do I file an SR-22 for a DUI in my state?
- Should I sign the liability waiver when renting a car?
- Do I need replacement cost coverage?
- Is my dog or cat covered if injured in an accident?
- Where can I find high-risk insurance?
If it’s difficult to answer those questions then you might want to talk to a licensed agent.
Insurance coverage basics
Having a good grasp of your policy helps when choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be confusing and coverage can change by endorsement.
UM/UIM (Uninsured/Underinsured Motorist) coverage
Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Ford Fusion.
Due to the fact that many 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. Usually the UM/UIM limits are similar to your liability insurance amounts.
Collision coverage covers damage to your Fusion resulting from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.
Collision coverage protects against claims like crashing into a ditch, hitting a mailbox and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.
Coverage for liability
Liability coverage provides protection from injuries or damage you cause to other’s property or people by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Some companies may use a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.
Liability insurance covers claims such as repair costs for stationary objects, medical expenses, pain and suffering, bail bonds and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as much as you can afford.
Comprehensive auto coverage
Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for claims like hail damage, a tree branch falling on your vehicle, falling objects, vandalism and damage from a tornado or hurricane. The highest amount your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Medical payments and PIP coverage
Med pay and PIP coverage reimburse you for immediate expenses like dental work, EMT expenses, ambulance fees, nursing services and hospital visits. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage
Compare but don’t skimp
Consumers leave their current company for a variety of reasons including questionable increases in premium, extreme rates for teen drivers, high rates after DUI convictions and high prices. It doesn’t matter why you want to switch switching companies can be easier than you think.
The cheapest 2016 Ford Fusion insurance can be bought online as well as from independent agents, so you should compare both so you have a total pricing picture. A few companies don’t offer the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.
You just learned many tips how you can compare insurance prices online. The key thing to remember is the more companies you get rates for, the higher the chance of saving money. Drivers may discover the biggest savings come from a company that doesn’t do a lot of advertising.
For more information, take a look at these articles:
- Vehicle Insurance (Wikipedia)
- Child Safety Seats (Insurance Information Insitute)
- Collision Insurance Coverage (Nationwide)
- Uninsured Motorist Statistics (Insurance Information Insitute)
- Speed and Speed Limit FAQ (iihs.org)
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