Want to save money and find low-cost Ford Fusion Hybrid insurance in Phoenix? Comparing and finding cheaper rates for Ford Fusion Hybrid insurance in Phoenix is frustrating for drivers not familiar with comparing prices online. Because there are so many insurers available, it can easily be a challenge to find more affordable Ford Fusion Hybrid insurance rates.
Unbelievable but true, a large majority of consumers have stayed with the same insurance company for a minimum of four years, and roughly 40% of drivers have never compared rate quotes at all. Most drivers in Arizona could save 50% each year, but they don’t understand how simple it is to compare rates online.
If you already have coverage, you will surely be able to cut your premiums using the techniques presented in this article. Obtaining price quotes for the cheapest insurance policy in Phoenix can be fairly easy. Nevertheless, Arizona car owners should learn how big insurance companies calculate your policy premium because rates are impacted by many factors.
You Can Change Your Insurance Premiums
A large part of saving on auto insurance is knowing some of the things that go into determining your auto insurance rates. When consumers understand what positively or negatively impacts your premiums, this allows you to make good choices that will entitle you to lower rates. Multiple criteria are used in the calculation when quoting car insurance. A few of the factors are predictable like a motor vehicle report, but some are not as apparent like your continuous coverage and annual miles driven.
Why do you need liability protection? – The liability coverage on your policy is the coverage that protects you in the event that you are found to be at fault for physical damage or personal injury to other. Your policy’s liability insurance provides legal defense which can cost a lot. This coverage is very inexpensive compared to comp and collision, so drivers should make sure they buy enough to cover all assets.
Tickets and citations cost more than a fine – Your driving citation history impacts premiums far more than you think. Even one speeding ticket or other violation may increase your cost by as much as thirty percent. Drivers who don’t get tickets get better prices as compared to those with violations. Drivers who have received flagrant violations like DUI, reckless driving or excessive speeding might be required by their state to prove financial responsibility with their state’s licensing department in order to legally drive a vehicle.
Gals tend to cost less – Statistics demonstrate that men are more aggressive behind the wheel. Now that doesn’t mean men are WORSE drivers than women. Females and males are in accidents at a similar rate, but the men have costlier accidents. Men also statistically receive more major tickets such as DWI and reckless driving.
Do thieves like your car? – Driving a car with anti-theft technology or alarm system can get you a discount on your auto insurance. Systems that thwart thieves like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder auto theft and help lower rates.
Insurance loss probability for a Ford Fusion Hybrid – Insurers analyze claim trends for every vehicle when they calculate premium rates for each model. Models that tend to have higher losses will cost more for specific coverages.
The data below shows the actual insurance loss data for Ford Fusion Hybrid vehicles. For each coverage type, the claim amount for all vehicles, regardless of make or model, is considered to be 100. Percentage values below 100 suggest a better than average loss history, while numbers that are greater than 100 indicate higher probability of having a loss or statistically larger losses.
Insurance Loss Ratings for Ford Fusion Hybrid Vehicles
| Vehicle Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Ford Fusion Hybrid | 125 | 97 | 98 | 92 | 93 | 95 |
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Compare quotes for Phoenix Ford Fusion Hybrid insurance
When quoting auto insurance, remember that making a lot of price comparisons increases the chance that you will find more affordable insurance.
The providers in the list below can provide free quotes in Arizona. If several companies are displayed, we recommend you compare several of them in order to get a fair rate comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion Hybrid 4-Dr Sedan | $166 | $362 | $360 | $22 | $108 | $1,018 | $85 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Estimates do not factor in Phoenix location which can affect coverage rates considerably.
Ford Fusion Hybrid insurance costs by age and gender
The diagram below compares Ford Fusion Hybrid insurance costs for male and female drivers. The data assumes no accidents, no driving violations, full coverage, $100 deductibles, drivers are single, and no discounts are applied.
Big brands don’t always mean big savings
Car insurance providers like State Farm and Allstate seem to constantly run television, radio, and online ads. They all make an identical promise that you’ll save big if you move your coverage. How can each company charge lower premium rates? Just pay attention to how they say it.
Insurance companies provide the lowest rates for the type of insured that earns them the highest profit. For example, a profitable customer could be between 30 and 50, has a clear driving record, and drives a vehicle with a low ISO rating. Any new insured that matches those criteria will most likely get cheap rates and will save a lot of money.
Potential insureds who do not meet the ideal profile will probably have to pay higher premium rates and ends up with business not being written. If you listen closely, the ads state “drivers who switch” but not “all drivers who get quotes” can save as much as they claim. That’s why insurance companies can confidently make the claims of big savings. This really drives home the point why you really should compare many company’s prices. It’s just not possible to know the company that will provide the lowest Ford Fusion Hybrid insurance in Phoenix.
Three good reasons to insure your Fusion Hybrid
Despite the high cost of buying insurance for a Ford Fusion Hybrid in Phoenix, buying auto insurance may not be optional for several reasons.
First, most states have mandatory insurance requirements which means the state requires specific limits of liability protection if you want to drive legally. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if your Ford Fusion Hybrid has a lien holder, almost all lenders will make it mandatory that you carry insurance to protect their interest in the vehicle. If you default on your policy, the bank or lender will purchase a policy for your Ford for a lot more money and force you to pay for it.
Third, insurance safeguards both your car and your assets. It also can pay for medical transport and hospital expenses for you, your passengers, and anyone else injured in an accident. Liability insurance also covers all legal expenses up to the policy limit if anyone sues you for causing an accident. If your Ford gets damaged, comprehensive and/or collision insurance will pay to repair the damage minus the deductible amount.
The benefits of having insurance more than offset the price you pay, particularly when you have a large claim. The average driver in Arizona is currently overpaying as much as $750 every year so you should quote your policy with other companies each time the policy renews to ensure rates are competitive.
You may qualify for discounts for Ford Fusion Hybrid insurance in Phoenix
Companies that sell car insurance do not advertise all possible discounts very clearly, so below is a list both the well known and the more hidden credits available to bring down your rates.
- Federal Employees – Active or retired federal employment could qualify for a slight premium decrease with select insurance companies.
- No Claim Discounts – Drivers who don’t have accidents are rewarded with significantly better rates on Phoenix auto insurance quote in comparison with drivers who are more careless.
- Air Bags and Passive Restraints – Factory options such as air bags or motorized seat belts can get savings of 25 to 30%.
- Lower Rates for Military – Being deployed with a military unit could trigger a small discount.
- No Charge for an Accident – Not really a discount, but a handful of insurance companies allow you one accident without raising rates so long as you haven’t had any claims for a certain period of time.
- Good Student – A discount for being a good student can save 20 to 25%. Most companies allow this discount well after school through age 25.
- Low Mileage Discounts – Low annual miles can earn lower prices due to less chance of an accident.
- Driver Safety – Participating in a class that teaches defensive driving techniques may get you a small discount depending on where you live.
Consumers should know that some of the credits will not apply to the entire cost. Most only apply to the price of certain insurance coverages like liability and collision coverage. Even though it appears it’s possible to get free car insurance, companies wouldn’t make money that way.
Larger insurance companies and a partial list of their discounts can be found below.
- Progressive may have discounts that include multi-policy, continuous coverage, online signing, multi-vehicle, homeowner, good student, and online quote discount.
- Farmers Insurance has discounts for homeowner, bundle discounts, alternative fuel, teen driver, electronic funds transfer, and pay in full.
- Farm Bureau may include discounts for driver training, multi-vehicle, safe driver, good student, and 55 and retired.
- State Farm may offer discounts for student away at school, safe vehicle, anti-theft, multiple policy, good student, defensive driving training, and Steer Clear safe driver discount.
- GEICO policyholders can earn discounts including five-year accident-free, seat belt use, federal employee, multi-policy, military active duty, and driver training.
- SAFECO has savings for bundle discounts, anti-theft, safe driver, teen safety rewards, accident prevention training, and homeowner.
- Liberty Mutual discounts include newly married, new graduate, good student, newly retired, and new move discount.
Before buying, ask every prospective company which discounts you may be entitled to. All car insurance discounts may not apply to policies in every state. To view providers who offer insurance discounts in Arizona, follow this link.
Insurance quotes from neighborhood Phoenix auto insurance agents
Some people still prefer to buy from a licensed agent and often times that is recommended An additional benefit of price shopping on the web is the fact that drivers can get cheaper premium rates but also keep your business local.
Once you complete this form (opens in new window), your information is instantly submitted to insurance agents in Phoenix who can give free rate quotes for your coverage. There is no need to even leave your home since rate quotes are delivered to the email address you provide. You can most likely find cheaper rates and a licensed agent to talk to. If you wish to get a rate quote from a specific insurance provider, feel free to navigate to their website and complete a quote there.
Deciding on an provider shouldn’t rely on just the bottom line cost. Any agent in Phoenix should be willing to answer these questions.
- Is there a Errors and Omissions policy in force?
- How long has their agency been open in Phoenix?
- Will high miles depreciate repair valuations?
- Can they provide you with a list of referrals?
- Will a damage claim use OEM or aftermarket replacement parts?
- Do they review policy coverages at every renewal?
- Which insurance company do they prefer to write with?
- Do they see any coverage gaps in your plan?
If you would like to find a local agent, there are two different agency structures and how they are distinctly different. Agencies in Phoenix are categorized either independent agents or exclusive agents.
Exclusive Insurance Agents
Exclusive agencies can only place business with one company like State Farm or Allstate. They generally cannot shop your coverage around so if the price isn’t competitive there isn’t much they can do. Exclusive insurance agents are highly trained in insurance sales and that allows them to sell at a higher price point. Some people will only buy from exclusive agents mainly due to the brand name rather than low price.
Listed below is a short list of exclusive agents in Phoenix willing to provide price quotes.
- John Abercrombie III – State Farm Insurance Agent
7207 N 7th St – Phoenix, AZ 85020 – (602) 906-0299 – View Map - Martha Bueti – State Farm Insurance Agent
3540 E Baseline Rd #115 – Phoenix, AZ 85042 – (602) 243-9209 – View Map - Douglas Cheung – State Farm Insurance Agent
2600 N 44th St #110 – Phoenix, AZ 85008 – (602) 840-6655 – View Map
Independent Insurance Agents
These agents often have many company appointments and that enables them to quote your coverage with a variety of different insurance companies enabling the ability to shop coverage around. To transfer your coverage to a different company, your policy is moved internally which makes it simple for you.
If you need cheaper insurance rates, it’s a good idea to compare prices from a couple of independent agencies to get the best comparison. A lot of them also have access to companies that do not advertise much that may provide cheaper insurance rates.
The following are Phoenix independent agencies that are able to give price quote information.
- LA Insurance Agency
7602 S Central Ave – Phoenix, AZ 85042 – (602) 276-0002 – View Map - Farmer-Leavitt Insurance Agency
919 N 1st St – Phoenix, AZ 85004 – (602) 264-0566 – View Map - Rodriguez Insurance
5720 N 27th Ave – Phoenix, AZ 85017 – (602) 242-5303 – View Map
A little work can save a LOT of money
Insureds who switch companies do it for a number of reasons such as an unsatisfactory settlement offer, not issuing a premium refund, policy cancellation or denial of a claim. Regardless of your reason, finding a great new company can be pretty painless.
Budget-friendly car insurance in Phoenix can be sourced both online in addition to local insurance agencies, and you should be comparing both to get a complete price analysis. There are still a few companies who do not provide rates over the internet and most of the time these smaller providers prefer to sell through independent insurance agents.
Throughout this article, we presented some good ideas how you can find lower-cost Ford Fusion Hybrid insurance in Phoenix. The key thing to remember is the more providers you compare, the better chance you’ll have of finding affordable Ford Fusion Hybrid insurance quotes. You may even find the best premium rates are with a small mutual company.
More tips and info about car insurance is available at these sites:
- Insurance losses by make and model (Insurance Institute for Highway Safety)
- How Much are Phoenix Car Insurance Quotes for a Toyota Camry? (FAQ)
- Vehicle Insurance (Wikipedia)
- Auto Insurance Basics (Insurance Information Institute)
- Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)
- Can I Drive Legally without Insurance? (Insurance Information Institute)