2020 Ford Fusion Hybrid Insurance Quotes in 2024 – 7 Tips for Best Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 22, 2024

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Trying to find the cheapest insurance rates for your Ford Fusion Hybrid? Searching for the cheapest insurance for a Ford Fusion Hybrid could be a lot of work, but you can follow these tips and make it easy. There is a right way and a wrong way to compare insurance rates so we’re going to tell you the best way to price shop coverage for a Ford and obtain the lowest possible price.

Cheapest insurance rate quotes

Comparing insurance rates can take time and effort if you aren’t aware of the most efficient way. You can spend your afternoon driving to local insurance agents in your area, or you can stay home and use online quoting to get pricing more quickly.

The majority of car insurance companies take part in a program where insurance shoppers enter their policy data once, and each participating company returns a rated price based on that data. This prevents consumers from doing quote requests to each individual insurance company. To find out how much you can save on insurance enter your zip code here.

One minor caveat to doing it this way is you cannot specify which insurance companies you will receive quotes from. So if you want to choose specific insurance companies to compare prices, we have assembled a list of low cost insurance companies in your area. Click to enter zip code for insurance companies.

The approach you take is up to you, just ensure you’re using apples-to-apples coverages on every price quote you get. If the quotes have different liability limits it will be impossible to determine which rate is truly the best.

Auto insurance rates and discounts

Some providers don’t list every policy discount in an easy-to-find place, so the following list contains a few of the more common as well as the least known discounts you could be receiving when you buy auto insurance online.

  • Driver Education Discount – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education as it will make them better drivers and lower rates.
  • Use Seat Belts – Drivers who always wear seat belts and also require passengers to wear their seat belts can save up to 15% off PIP or medical payments premium.
  • Auto/Life Discount – Larger insurance companies have a discount if you purchase auto and life insurance together.
  • Telematics Data – Policyholders that allow their insurance company to monitor driving manner through the use of a telematics system like Allstate’s Drivewise could possibly reduce rates if they are good drivers.
  • E-sign Discounts – A handful of larger companies give back up to $50 simply for signing on your computer.
  • Theft Deterrent – Anti-theft and alarm system equipped vehicles are stolen with less frequency so companies will give you a small discount.
  • Homeowners Pay Less – Simply owning a home can save a few bucks because of the fact that having a home demonstrates responsibility.

Remember that many deductions do not apply to the whole policy. Most only cut individual premiums such as collision or personal injury protection. Despite the fact that it seems like adding up those discounts means a free policy, you won’t be that lucky.

Some companies that may offer quotes with these discounts may include but are not limited to:

  • Mercury Insurance
  • Farmers Insurance
  • Auto-Owners Insurance
  • Liberty Mutual
  • Progressive
  • USAA

If you need cheaper auto insurance quotes, ask each insurance company how many discounts you can get. Some of the discounts discussed earlier might not be available to policyholders in your area. To see providers that provide some of the discounts listed above, enter your zip code here.

Situations that may require an agent’s advice

When buying the best insurance coverage coverage for your personal vehicles, there is no one size fits all plan. Each situation is unique.

For example, these questions could help you determine if your insurance needs could use an agent’s help.

  • What if I total my 2020 Ford Fusion Hybrid and owe more than it’s worth?
  • Am I covered if I drive in a foreign country?
  • Do I have coverage when using my vehicle for my home business?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Why am I required to buy liability insurance?
  • Is my state a no-fault state?
  • Is other people’s property covered if stolen from my vehicle?
  • What is medical payments coverage?
  • Am I covered if I hit my neighbor’s mailbox?
  • How much liability insurance is required?

If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, simply complete your zip code. It is quick, free and can provide invaluable advice.

What car insurance coverages do you need?

Understanding the coverages of a car insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. Car insurance terms can be impossible to understand and coverage can change by endorsement.

Medical expense insurance

Med pay and PIP coverage reimburse you for expenses like prosthetic devices, ambulance fees, EMT expenses, hospital visits and surgery. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants as well as if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

This coverage pays to fix your vehicle from damage from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like sideswiping another vehicle, hitting a mailbox, colliding with a tree, hitting a parking meter and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to raise the deductible to bring the cost down.

Comprehensive (Other than Collision)

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things such as hail damage, hitting a bird and hitting a deer. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Auto liability

This coverage can cover damage or injury you incur to people or other property in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage protects against claims such as court costs, loss of income, bail bonds and funeral expenses. The amount of liability coverage you purchase is a personal decision, but consider buying higher limits if possible.

A little work can save a LOT of money

Drivers change insurance companies for a variety of reasons including poor customer service, extreme rates for teen drivers, high prices or not issuing a premium refund. Regardless of your reason for switching companies, switching auto insurance companies is not as difficult as it may seem.

As you prepare to switch companies, it’s not a good idea to buy less coverage just to save a little money. There have been many cases where an insured cut comprehensive coverage or liability limits and discovered at claim time that it was a big error on their part. Your goal should be to buy a smart amount of coverage at the lowest possible cost while still protecting your assets.

Affordable 2020 Ford Fusion Hybrid insurance is possible both online and also from your neighborhood agents, so you should compare both in order to have the best chance of saving money. There are still a few companies who may not offer online price quotes and these regional carriers only sell coverage through independent agents.

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