Find Affordable Ford Fusion Hybrid Insurance in Boston

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It's safe to conclude that insurance companies don't want you shop around. Insureds who shop around once a year will most likely switch to a new company because the odds are good of finding lower prices. A recent survey found that drivers who regularly compared rates saved as much as $860 a year as compared to drivers who never shopped for cheaper rates.

If finding budget-friendly auto insurance is your ultimate objective, then having some knowledge of how to shop for insurance can make shopping around easier.

Discount Ford Fusion Hybrid insuranceThe preferred way to get affordable Ford Fusion Hybrid insurance in Boston is to compare quotes annually from companies who sell insurance in Massachusetts.

  • First, get an understanding of what coverages are included in your policy and the measures you can control to keep rates in check. Many things that increase rates such as traffic citations and an unacceptable credit rating can be improved by making minor driving habit or lifestyle changes.
  • Second, quote rates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give rate quotes from one company like Progressive or State Farm, while independent agencies can quote prices from multiple companies.
  • Third, compare the new rate quotes to the price on your current policy to see if a cheaper rate is available in Boston. If you find a better price and decide to switch, verify that coverage does not lapse between policies.

The key thing to remember is to compare the same liability limits and deductibles on every quote and and to get price estimates from as many companies as you can. This helps ensure a fair rate comparison and a thorough price selection.

Ford Fusion Hybrid detailed coverage information

The rate information below covers detailed analysis of rate quotes for Ford Fusion Hybrid models. Understanding more about how rate quotes are formulated can benefit drivers when making smart choices when purchasing an auto insurance policy.

Ford Fusion Hybrid Insurance Rates in Boston, MA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion Hybrid 4-Dr Sedan $154 $382 $472 $28 $142 $1,178 $98
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Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Massachusetts minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Premium costs do not factor in garaging location in Boston which can influence auto insurance rates noticeably.

Can higher deductibles save money?

One common question asked by Boston drivers is at what level do you set your deductibles. The tables below show the premium difference of buying low and high physical damage deductibles. The first set of prices uses a $100 deductible for physical damage and the second rate table uses a $1,000 deductible.

Ford Fusion Hybrid insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion Hybrid 4-Dr Sedan $324 $704 $418 $24 $126 $1,621 $135
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Ford Fusion Hybrid insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion Hybrid 4-Dr Sedan $180 $372 $418 $24 $126 $1,120 $93
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Massachusetts minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Rate quotes do not factor in your specific Boston location which can revise auto insurance rates significantly.

Based on this data, using a $100 deductible would cost the average driver about $42 more each month or $504 a year across all Ford Fusion Hybrid models than opting for the higher $1,000 deductible. Since you would pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you go at a minimum 21 months between claim filings, you would come out ahead by selecting a higher deductible.

Calculate deductible break even point

Average monthly premium for $100 deductibles: $135
Average monthly premium for $1,000 deductibles (subtract): - $93
Monthly savings from raising deductible: $42
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $42
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 21 months

One important issue to know is that increasing deductibles to lower your rates means you will have to pay more if you have a claim. That will require some extra funds in the event you need to pay the higher deductible in order to repair your vehicle.

Yearly insurance costs for men versus women

The example below shows the comparison of Ford Fusion Hybrid auto insurance rates for male and female drivers. Data assumes a clean driving record, no at-fault accidents, full physical damage coverage, $250 deductibles, marital status is single, and no discounts are applied.

Full coverage versus liability-only

The example below compares Ford Fusion Hybrid annual premium costs with full physical damage coverage and with liability coverage only. The information is based on no violations or claims, $100 deductibles, marital status is single, and no discounts are taken into consideration.

Should you be buying full coverage?

There is no exact formula to eliminate full coverage on your policy, but there is a broad guideline. If the yearly cost of comp and collision coverage is about 10% or more of any settlement you would receive from your insurance company, then you may need to consider dropping full coverage.

For example, let's say your Ford Fusion Hybrid book value is $8,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $7,000 after the deductible is paid. If it's costing in excess of $700 a year for comprehensive and collision coverage, then you might want to think about dropping full coverage.

There are some cases where dropping full coverage is not a good idea. If you haven't satisfied your loan, you have to carry full coverage to protect the lienholder's interest. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should not buy liability only.

Cheaper Boston auto insurance rates with discounts

Some providers don't always publicize all discounts very clearly, so the below list has some of the best known and also the more inconspicuous credits available to bring down your rates.Auto insurance discounts

  • Drivers Education - Teen drivers should enroll and complete driver's education in school.
  • Senior Citizen Rates - Drivers that qualify as senior citizens are able to get better auto insurance rates.
  • Service Members Pay Less - Being on active deployment in the military could trigger a small discount.
  • Discounts for Government Workers - Active or retired federal employment can save as much as 8% with a few auto insurance companies.
  • Professional Organizations - Being in certain professional organizations could trigger savings on your next auto insurance statement.
  • Pay Now and Pay Less - If paying your policy premium upfront rather than paying in monthly installments you can avoid the installment charge.
  • Discount for Home Ownership - Owning a house in Boston can save you money since home ownership is proof that your finances are in order.
  • Life Insurance - Not every insurance company offers life insurance, but if they do you may earn a discounted price on car insurance if you buy auto and life insurance together.
  • Save with a New Car - Buying a new car model can cost up to 25% less because newer vehicles are generally safer.
  • Bundle and Save - If you insure your home and vehicles with the same company you will save over 10 percent off each policy depending on the company.

Please keep in mind that most discount credits are not given to the entire policy premium. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think having all the discounts means you get insurance for free, it just doesn't work that way.

The chart below compares Ford Fusion Hybrid annual premium costs with and without some available policy discounts. The price estimates are based on a male driver, no accidents, no driving violations, Massachusetts state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, safe-driver, marriage, multi-car, and multi-policy discounts applied.

To view auto insurance companies who offer discounts in Massachusetts, click here.

What auto insurance coverages do you need?

Learning about specific coverages of your auto insurance policy can help you determine which coverages you need and the correct deductibles and limits. Auto insurance terms can be difficult to understand and reading a policy is terribly boring.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle's occupants when other motorists either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and damage to your Ford Fusion Hybrid.

Because many people carry very low liability coverage limits (Massachusetts limits are 20/40/5), it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Liability

This coverage protects you from damage that occurs to other's property or people. It protects YOU from legal claims by others, and doesn't cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 20/40/5 which stand for $20,000 bodily injury coverage, a per accident bodily injury limit of $40,000, and a total limit of $5,000 for damage to vehicles and property.

Liability insurance covers claims such as funeral expenses, legal defense fees, emergency aid, pain and suffering and medical expenses. How much liability should you purchase? That is up to you, but consider buying as large an amount as possible. Massachusetts requires minimum liability limits of 20/40/5 but you should consider buying more liability than the minimum.

The next chart shows why buying low liability limits may not provide you with enough coverage.

Comprehensive or Other Than Collision

This will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as a broken windshield, damage from flooding, theft, fire damage and hitting a bird. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Medical costs insurance

Med pay and PIP coverage reimburse you for bills for pain medications, nursing services, ambulance fees and dental work. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

This pays for damage to your Fusion Hybrid caused by collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like sustaining damage from a pot hole, sideswiping another vehicle, driving through your garage door, hitting a mailbox and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible on your Fusion Hybrid to bring the cost down.

How to find a good Boston auto insurance company

Insuring your vehicle with a highly-rated auto insurance provider can be rather challenging considering how many choices there are in Boston. The company ratings displayed below can help you select which providers to look at to insure your vehicles.

Top 10 Boston Car Insurance Companies Ranked by Customer Service

  1. Mercury Insurance
  2. Titan Insurance
  3. The Hartford
  4. American Family
  5. Progressive
  6. USAA
  7. Travelers
  8. State Farm
  9. GEICO
  10. Allstate

Top 10 Boston Car Insurance Companies Overall

  1. The General
  2. Mercury Insurance
  3. Titan Insurance
  4. The Hartford
  5. Progressive
  6. Travelers
  7. State Farm
  8. Farmers Insurance
  9. Safeco Insurance
  10. USAA

Quote often and quote early

As you quote Boston car insurance, make sure you don't reduce needed coverages to save money. There are many occasions where drivers have reduced uninsured motorist or liability limits only to discover later that the small savings ended up costing them much more. Your aim should be to purchase a proper amount of coverage at a price you can afford.

We just covered a lot of ways to lower your Ford Fusion Hybrid insurance premium rates in Boston. The key thing to remember is the more you quote Boston car insurance, the better your comparison will be. You may even be surprised to find that the lowest premium rates come from the least-expected company.

Discount Ford Fusion Hybrid insurance in Boston can be bought online as well as from independent agents in Boston, so you should be comparing quotes from both to have the best rate selection. A few companies do not offer internet price quotes and most of the time these regional carriers provide coverage only through independent agents.

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