If you want to save money, the best way to get more affordable Ford Fusion Hybrid insurance in Columbus is to annually compare prices from providers who sell auto insurance in Ohio.
- Try to comprehend individual coverages and the steps you can take to prevent expensive coverage. Many rating criteria that are responsible for high rates like tickets, at-fault accidents, and poor credit rating can be eliminated by making lifestyle changes or driving safer.
- Compare price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can provide rates from one company like Progressive or Allstate, while independent agents can quote rates for a wide range of companies. View prices
- Compare the new rate quotes to the price on your current policy to see if switching to a new carrier will save money. If you find a lower rate and switch companies, make sure there is no coverage gap between policies.
- Tell your current agent or company of your intention to cancel your current car insurance policy. Submit the required down payment along with the signed application to the newly selected company. Once received, put the certificate of insurance with the vehicle registration.
A tip to remember is to use identical coverages on every quote and and to get price estimates from as many different companies as possible. Doing this ensures the most accurate price comparison and a thorough price selection.
A recent survey discovered that the vast majority of insurance customers have remained with the same insurance company for more than four years, and almost 40% of drivers have never quoted rates to find cheap coverage. Ohio drivers could save $730 every year by just comparing rate quotes, but most tend to underestimate the large savings they would see if they moved their coverage to a different company.
Cheap Ford insurance prices in Columbus
The auto insurance companies shown below provide comparison quotes in Ohio. If the list has multiple companies, we suggest you visit two to three different companies in order to find the most affordable rates.
Coverage analysis
The price information displayed next showcases detailed analysis of policy rates for Ford Fusion Hybrid models. Knowing how auto insurance premiums are calculated can be useful when making decisions on the best policy coverages.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion Hybrid 4-Dr Sedan | $140 | $252 | $372 | $22 | $112 | $898 | $75 |
| Get Your Own Custom Quote Go | |||||||
Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Price estimates do not factor in the specific area where the vehicle is garaged which can impact prices considerably.
Should you raise deductibles?
When buying car insurance, a common question is which deductible level should you buy. The comparisons below may aid in understanding the rate differences when you buy lower versus higher comp and collision deductibles. The first data table uses a $250 deductible for physical damage and the second data table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion Hybrid 4-Dr Sedan | $198 | $400 | $284 | $16 | $84 | $1,007 | $84 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion Hybrid 4-Dr Sedan | $160 | $324 | $284 | $16 | $84 | $868 | $72 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Information does not factor in specific garaging location which can lower or raise insurance rates greatly.
Based on this data, using a $250 deductible costs approximately $12 more each month or $144 each year across all Ford Fusion Hybrid models than buying the higher $500 deductible. Because you would be required to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you average more than 21 months between claim filings, you would probably be better off if you decide on a higher deductible.
Cost difference between full coverage and liability
The chart below shows the comparison of Ford Fusion Hybrid auto insurance rates with full coverage and liability only. The data assumes no tickets, no at-fault accidents, $1,000 deductibles, single marital status, and no discounts are applied to the premium.
When to drop comprehensive and collision
There is no exact formula that is best for determining when to drop full coverage, but there is a broad guideline. If the annual cost of having full coverage is about 10% or more of the replacement cost minus the deductible, then it may be the right time to buy liability only.
For example, let’s pretend your Ford Fusion Hybrid book value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most you would receive is $5,000 after paying your deductible. If you are currently paying more than $500 a year for your policy with full coverage, then you might want to think about dropping full coverage.
There are some conditions where dropping full coverage is not advised. If you haven’t satisfied your loan, you must maintain physical damage coverage in order to satisfy the requirements of the loan. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should not drop full coverage.
Nine discounts for cheap insurance quotes
Insurance is expensive, but you may be missing some discounts that could drop your premiums quite a bit. Some discounts apply automatically at the time of quoting, but occasionally some discounts must be asked about before you will receive the discount.
- Discount for Life Insurance – Some companies give lower rates if you buy some life insurance too.
- Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them enroll and complete driver’s education in school.
- Accident Free – Drivers who don’t have accidents are rewarded with significantly better rates on Columbus auto insurance quote as compared to bad drivers.
- Savings for New Vehicles – Buying a new car model can be considerably cheaper because new vehicles are generally safer.
- Driver Safety – Taking a class that teaches safe driver techniques could save 5% or more and make you a better driver.
- Auto/Home Discount – If you combine your home and auto policies with the same insurance company you will save at least 10% off all policies.
- Discounts for Multiple Vehicles – Drivers who insure multiple vehicles with the same company can get a discount for every vehicle.
- College Student Discount – Older children who are enrolled in a college that is more than 100 miles from Columbus and do not have a car may qualify for this discount.
- Theft Deterrent Discount – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft and therefore earn up to a 10% discount.
Drivers should understand that some credits don’t apply to the entire policy premium. Most only apply to specific coverage prices like liability, collision or medical payments. So even though you would think you could get a free insurance policy, you’re out of luck.
The chart below illustrates the difference between Ford Fusion Hybrid car insurance costs with and without discounts applied to the policy rates. The data assumes a male driver, no violations or accidents, Ohio state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, multi-policy, homeowner, safe-driver, and marriage discounts applied.
If you would like to view insurance companies who offer cheap Ford Fusion Hybrid insurance quotes in Columbus in Ohio, click this link.
Are auto insurance agents used anymore?
A small number of people would prefer to talk to an insurance agent and that is not a bad decision One of the great benefits of comparing rate quotes online is that drivers can save money and get cheap auto insurance rates but still work with a licensed agent. Supporting neighborhood agents is still important in Columbus.
To help locate an agent, after submitting this short form, the coverage information gets sent to local insurance agents who will give you quotes to get your business. There is no need to contact any insurance agencies because prices are sent to you instantly. It’s the lowest rates and work with a local agent. If you need to compare rates from a specific insurance company, you would need to visit that company’s website and fill out the quote form the provide.
The following is a short list of insurance companies in Columbus that may be willing to give price quote information for Ford Fusion Hybrid insurance in Columbus.
- Gary Bepler – State Farm Insurance Agent
3246 Noe Bixby Rd – Columbus, OH 43232 – (614) 837-4379 – View Map - Bud Kulp – State Farm Insurance Agent
1707 Bethel Rd – Columbus, OH 43220 – (614) 459-2424 – View Map - Cornerstone Insurance Services
1505 Stonecreek Drive S, Suite 103 – Pickerington, OH 43147 – (614) 524-4248 – View Map - Russell A Popp – State Farm Insurance Agent
2844 Johnstown Rd – Columbus, OH 43219 – (614) 471-5557 – View Map
Finding the right insurer is decision based upon more than just the premium amount. Some important questions to ask are:
- Are they properly licensed to sell insurance in Ohio?
- What are the financial ratings for the companies they represent?
- Will the agent help in case of a claim?
- Do they make recommendations based only on price?
- How much training do they have in personal risk management?
- Does the agency provide any after hours assistance?
- Will they make sure you get an adequate claim settlement?
Once you have received acceptable answers to all your questions and a good coverage price, it’s possible that you found an provider that can be relied on to properly insure your vehicles.
Your situation helps dictate your coverage
Always keep in mind that when comparing your policy for your vehicles, there really is not a one size fits all plan. Your needs are unique to you.
Here are some questions about coverages that might point out whether your personal situation would benefit from professional advice.
- Do I benefit by insuring my home with the same company?
- Do I need replacement cost coverage?
- I have health insurance so do I need medical payments coverage?
- Should I have combined single limit or split liability limits?
- Is my vehicle covered by my employer’s policy when using it for work?
- Do I need more liability coverage?
If it’s difficult to answer those questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form.
Auto insurance coverages and their meanings
Knowing the specifics of a auto insurance policy can help you determine the best coverages for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement.
Uninsured/Underinsured Motorist coverage – This protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and damage to your Ford Fusion Hybrid.
Due to the fact that many Ohio drivers only carry the minimum required liability limits (Ohio limits are 25/50/25), their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally these coverages are identical to your policy’s liability coverage.
Medical payments coverage and PIP – Coverage for medical payments and/or PIP pay for expenses for ambulance fees, funeral costs and doctor visits. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage
Comprehensive coverage – Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.
Comprehensive coverage pays for things such as rock chips in glass, vandalism, damage from flooding and falling objects. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.
Coverage for liability – This coverage can cover injuries or damage you cause to a person or their property. It protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.
Liability insurance covers things such as legal defense fees, emergency aid and structural damage. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford. Ohio requires minimum liability limits of 25/50/25 but it’s recommended drivers buy more liability than the minimum.
The next chart demonstrates why buying low liability limits may not be enough coverage.
Collision coverage – Collision coverage covers damage to your Fusion Hybrid from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.
Collision coverage pays for things like crashing into a building, hitting a mailbox, driving through your garage door and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also raise the deductible on your Fusion Hybrid to bring the cost down.
Quote more to save more
Lower-priced Ford Fusion Hybrid insurance in Columbus can be bought online in addition to local insurance agencies, so get free Columbus auto insurance quotes from both of them in order to have the best price selection to choose from. Some insurance companies may not provide price quotes online and usually these smaller companies provide coverage only through local independent agents.
As you restructure your insurance plan, don’t be tempted to reduce needed coverages to save money. In many cases, drivers have reduced collision coverage and learned later that the savings was not a smart move. The ultimate goal is to buy enough coverage at the best cost, not the least amount of coverage.
You just learned a lot of techniques to shop for Ford Fusion Hybrid insurance online. It’s most important to understand that the more price quotes you have, the better your comparison will be. Consumers may even find the biggest savings come from an unexpected company.
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