Cheap 2007 Ford Fusion Insurance Quotes

Looking for cheaper car insurance rates for your Ford Fusion? Vehicle owners who are new to the process of comparing auto insurance quotes on the web may find purchasing affordable auto insurance is more work than they thought.

Do you qualify for discount auto insurance?

Auto insurance is expensive, but there may be some discounts that you may not even be aware of. Some of these disounts will be visible when you purchase, but less common discounts must be asked about prior to receiving the credit. If they aren’t giving you every credit available, you could be saving more on your auto insurance.

• Fewer Miles Equal More Savings – Maintaining low annual mileage can qualify you for better prices on cars that stay parked.
• Early Switch Discount – A few auto insurance companies allow discounts for switching policies prior to the expiration date on your current policy. It’s a savings of about 10%.
• Drivers Education – Cut your cost by having your teen driver sucessfully take a drivers education course in high school.
• No Claim Discounts – Drivers with accident-free driving histories can save substantially as compared to insureds who have frequent claims or accidents.
• Auto/Home Discount – If you insure your home and vehicles with the same company you could save 10% to 20% off each policy.
• Pay Early and Save – By making one initial payment instead of making monthly payments you can actually save on your bill.
• Distant Student Discount – who are enrolled in higher education away from home and do not have a car may be insured at a cheaper rate.

As is typical with insurance, most discount credits are not given to the overall cost of the policy. Most cut individual premiums such as comp or med pay. Just because you may think it’s possible to get free car insurance, you won’t be that lucky. Any qualifying discounts will reduce your overall premium however.

A list of companies and some of their more popular discounts are detailed below.

• Geico offers premium reductions for military active duty, multi-vehicle, daytime running lights, air bags, and anti-lock brakes.
• SAFECO policyholders can earn discounts including anti-theft, homeowner, teen safe driver, teen safety rewards, accident prevention training, drive less, and safe driver.
• State Farm has savings for multiple autos, Drive Safe & Save, driver’s education, passive restraint, good driver, multiple policy, and good student.
• MetLife includes discounts for defensive driver, good driver, accident-free, multi-policy, claim-free, and good student.
• 21st Century may offer discounts for good student, homeowners, anti-lock brakes, driver training, student driver, and automatic seat belts.
• Progressive may include discounts for good student, online signing, homeowner, continuous coverage, and online quote discount.

When getting a coverage quote, ask every prospective company to apply every possible discount. Some credits might not be available to policyholders in every state. If you would like to see a list of auto insurance companies that provide some of the discounts listed above, click this link.

Five factors that affect insurance prices

The best way to find cheaper car insurance is to take a look at the rating factors that play a part in calculating the level of your policy premiums. If you understand what influences your rates, this allows you to make good choices that could result in lower rates.

The itemized list below are a partial list of the pieces used by companies to determine your rate level.

• Premiums increase with driving tickets – Your driving citation history has a big impact on rates. Only having one speeding ticket or other violation can bump up the cost substantially. Careful drivers pay less for auto insurance than their less careful counterparts. Drivers unfortunate enough to have careless tickets like DUI or reckless driving may be required to submit a SR-22 or proof of financial responsibility with their state’s licensing department in order to legally drive.
• Teenage drivers are expensive to insure – Drivers with little experience are statistically proven to get distracted easily behind the wheel so they pay higher car insurance rates. Having to add a first-time driver to your car insurance policy can be quite pricey. Mature drivers are shown to be more cautious, are lower risk to insure and get fewer tickets.
• Drive a safer car and pay less – Cars with high safety ratings tend to be cheaper to insure. Highly rated vehicles reduce occupant injuries and better occupant protection means less claims paid and lower rates for you.
• Marriage pays dividends – Being married may cut your premiums on your car insurance policy. Having a significant other translates into being more mature than a single person and it’s proven that drivers who are married are more cautious.
• Drive less and save – The more miles you rack up on your Ford every year the more you’ll pay to insure it. Almost all companies charge rates based on how the vehicle is used. Vehicles that do not get driven very much cost less to insure than vehicles that are driven to work every day. Having an incorrect usage rating on your Fusion can result in significantly higher rates. Double check that your car insurance policy is showing how each vehicle is driven, because it can save money.

What insurance coverages do I need?

When it comes to choosing coverage, there really is not a cookie cutter policy. Every situation is different.

Here are some questions about coverages that may help highlight whether your personal situation might need professional guidance.

• Is my 2007 Ford Fusion covered for smoke damage?
• Can I rate high risk drivers on liability-only vehicles?
• Where can I find high-risk insurance?
• What is UM/UIM insurance?
• Why am I required to buy high-risk coverage?
• Should I put collision coverage on all my vehicles?
• I have health insurance so do I need medical payments coverage?
• What if I total my 2007 Ford Fusion and owe more than it’s worth?
• How can I find cheaper teen driver insurance?

If you don’t know the answers to these questions, you may need to chat with an agent. To find an agent in your area, simply complete this short form.

Well known brands might not be cheapest

Respected companies like Allstate, Geico and Progressive endlessly run ads in print and on television. They all have a common claim that people will save if you get a free auto insurance quote and switch to their company. That’s great but how can every company save you money? It’s all in the wording.

Companies quote their cheapest rates for the type of driver that will add to their bottom line. For example, a desirable insured may need to be between the ages of 40 and 55, carries high limits, and drives a safe vehicle. A customer getting a price quote who meets those qualifications receive the lowest rate quotes and therefore will pay quite a bit less when switching companies.

Insureds who fall short of those standards will probably have to pay higher rates with the end result being business going elsewhere. The ads say “drivers that switch” not “everyone that quotes” save the amount stated. That’s why companies can truthfully advertise the savings.

That is why you really should get price quotes at each policy renewal. It’s not possible to predict which insurance companies will have the lowest car insurance rates for your situation.

Educate yourself about car insurance coverages

Understanding the coverages of your policy can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Auto liability

Liability coverage can cover damage or injury you incur to other’s property or people by causing an accident. This insurance protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers things such as repair costs for stationary objects, structural damage, emergency aid, court costs and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but consider buying higher limits if possible.

Comprehensive coverage (or Other than Collision)

This coverage will pay to fix 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 protects against things like damage from a tornado or hurricane, hail damage, fire damage and a broken windshield. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for expenses such as nursing services, dental work and prosthetic devices. They can be utilized in addition to your health insurance policy or if you do not have health coverage. They cover all vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Collision protection

This coverage pays to fix your vehicle from damage resulting from a collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as hitting a mailbox, scraping a guard rail, colliding with another moving vehicle and colliding with a tree. This coverage can be expensive, so consider removing coverage from vehicles that are older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Usually these coverages are similar to your liability insurance amounts.

Have money to burn

You just learned a lot of information how to shop for 2007 Ford Fusion insurance online. It’s most important to understand that the more quotes you get, the higher the chance of saving money. You may even discover the lowest priced auto insurance comes from an unexpected company.

As you prepare to switch companies, it’s very important that you do not reduce needed coverages to save money. In too many instances, an accident victim reduced comprehensive coverage or liability limits to discover at claim time that the savings was not a smart move. Your goal is to get the best coverage possible at the best possible price while not skimping on critical coverages.

Some auto insurance companies may not provide price quotes online smaller providers sell through independent agents. Cheaper 2007 Ford Fusion insurance can be found both online and also from your neighborhood agents, and you should compare rates from both to have the best rate selection.

Additional auto insurance information can be found at these links:

• Senior Drivers (Insurance Information Insitute)
• Who Has Affordable Tulsa Car Insurance Quotes for a Ford Fusion? (TulsaCoverage.com)
• How to Avoid Staged Accidents (State Farm)
• Credit and Insurance Scores (Insurance Information Insitute)
• Electronic Stability Control FAQ (iihs.org)