Texas shoppers have a choice when shopping for the best price on Ford Fusion insurance. They can either spend hours struggling with agents getting price quotes or use the internet to find the lowest rates. There is a better way to buy auto insurance and we’ll show you the best way to get price quotes for your Ford and find the lowest price from Texas insurance agents and online providers.
It’s a good habit to do rate comparisons at least once a year because insurance rates are adjusted regularly by insurance companies. Even if you got the lowest rates for Fusion insurance two years ago there may be better deals available now. Starting now, block out anything you think you know about auto insurance because you’re going to get a crash course in one of the best ways to save on auto insurance.
Finding affordable coverage is not rocket science. If you are paying for car insurance now, you should be able to reduce your rates substantially using these techniques. Nevertheless, Texas car owners need to have an understanding of the methods companies use to market on the web.
Discounts can save BIG
Auto insurance companies do not list every available discount very clearly, so the following is a list of some of the best known and the harder-to-find ways to save on auto insurance.
- Accident Forgiveness – Certain companies permit an accident before raising your premiums so long as you haven’t had any claims prior to the accident.
- Homeowners Savings – Owning a home can save you money because owning a home requires personal responsibility.
- Anti-theft Discount – Anti-theft and alarm systems prevent vehicle theft and earn discounts up to 10%.
- 55 and Retired – If you’re over the age of 55, you may receive better auto insurance rates for Fusion insurance.
- Pay Upfront and Save – If you pay your bill all at once instead of paying each month you may reduce your total bill.
- Good Student – A discount for being a good student can save 20 to 25%. The good student discount can last up until you turn 25.
- Safe Driver Discount – Safe drivers can pay as much as 50% less for Fusion insurance than drivers with accidents.
- Driver Safety – Taking part in a defensive driving course could save 5% or more if your company offers it.
- Passive Restraints – Cars that have air bags or automatic seat belts may earn rate discounts of more than 20%.
As a disclaimer on discounts, many deductions do not apply the the whole policy. Some only apply to specific coverage prices like liability and collision coverage. So when the math indicates you would end up receiving a 100% discount, companies wouldn’t make money that way.
Ford Fusion premiums are determined by many factors
An important part of buying insurance is that you know the factors that play a part in calculating the rates you pay for auto insurance. Having a good understanding of what controls the rates you pay enables informed choices that could result in better auto insurance rates.
Shown below are a partial list of the pieces auto insurance companies consider when setting premiums.
- Mature drivers pay less – More mature drivers are viewed as being more responsible, tend to file fewer claims and get fewer tickets. Youthful drivers have a tendency to be more careless when driving therefore auto insurance rates are much higher.
- The more you drive the more you pay – The more you drive every year the higher your rates will be. Most insurance companies charge to insure your cars based on how the vehicle is used. Autos not used for work or commuting get more affordable rates than vehicles that are driven to work every day. If your policy improperly rates your Fusion can result in significantly higher rates. Ask your agent if your auto insurance policy is showing the correct driver usage.
- Never go without insurance – Allowing your coverage to lapse will be a guaranteed way to bump up your auto insurance costs. And not only will your rates increase, but not being able to provide proof of insurance will get you a hefty fine and possibly a revoked license.You may need to submit proof of financial responsibility or a SR-22 with the Texas motor vehicle department.
- Where you live is a factor – Choosing to live in less populated areas can be a good thing when buying auto insurance. Less people living in that area means a lower chance of having an accident. Drivers in populated Texas areas tend to have much more traffic to deal with and much longer commute distances. Longer commute distances can result in more accidents.
- Drive a safer car and pay less – Vehicles with good safety scores get lower rates. The safest vehicles reduce injuries and better occupant protection means less money paid by your insurance company and lower rates for you. If your Ford Fusion is rated at least four stars on Safercar.gov you may qualify for a discount.
- Sex matters – Statistics have proven women are more cautious behind the wheel. However, don’t assume that men are WORSE drivers than women. Men and women cause accidents in similar numbers, but the men cause more damage and cost insurance companies more money. Men also statistically get cited for more serious violations such as reckless driving.
- Your auto insurance rates can be influenced by your job – Careers like judges, architects and dentists are shown to have the highest average rates due to high stress and long work days. Other occupations such as pilots, historians and retirees pay the least for Fusion insurance.
Will just any policy work for me?
When choosing the right insurance coverage for your vehicles, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs.
These are some specific questions may help you determine whether or not you might need professional guidance.
- What should my uninsured motorist coverage limits be in Texas?
- Can I afford low physical damage deductibles?
- What can I do if my company won’t pay a claim?
- Will my vehicle be repaired with OEM or aftermarket parts?
- Does medical payments coverage apply to all occupants?
- How much liability do I need to cover my assets?
- What happens if I owe more than my Ford Fusion is worth?
If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form.
More detailed Texas auto insurance information can be found at the Texas Department of Insurance website. Visitors are able to find out which companies have the most complaints, learn about specific coverages, and file complaints about a company.
Quote more, save more
Consumers leave their current company for any number of reasons including policy non-renewal, delays in responding to claim requests, lack of trust in their agent or policy cancellation. Regardless of your reason, choosing a new insurance company can be easy and end up saving you some money.
Cheaper Ford Fusion insurance is definitely available from both online companies and also from your neighborhood Texas agents, and you should be comparing both to have the best chance of lowering rates. Some companies may not provide online price quotes and these small insurance companies work with independent agents.
As you go through the steps to switch your coverage, make sure you don’t buy poor coverage just to save money. In many instances, someone sacrificed uninsured motorist or liability limits and discovered at claim time that they should have had better coverage. The ultimate goal is to buy enough coverage at an affordable rate while still protecting your assets.