Save on Ford Fusion Hybrid Insurance in Lexington

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Discount Ford Fusion Hybrid insuranceReally, the only way to get more affordable Ford Fusion Hybrid insurance in Lexington is to start comparing rates regularly from insurers in Kentucky. Prices can be compared by following these steps.

  • Step 1: Spend some time learning about what is in your policy and the factors you can control to prevent high rates. Many risk factors that result in higher prices such as accidents, traffic violations, and a low credit rating can be improved by making minor changes in your lifestyle.
  • Step 2: Request price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only provide price estimates from one company like Progressive or Farmers Insurance, while agents who are independent can give you price quotes from many different companies.
  • Step 3: Compare the quotes to your current policy and determine if cheaper Fusion Hybrid coverage is available in Lexington. If you find better rates and decide to switch, make sure there is no lapse in coverage.

The most important part of shopping around is that you'll want to make sure you compare similar limits and deductibles on each quote and and to get prices from as many car insurance companies as possible. Doing this helps ensure an apples-to-apples comparison and the best price quote selection.

It's an obvious assumption that car insurance companies don't want you to look for a cheaper policy. Consumers who rate shop once a year are likely to buy a different policy because there is a good probability of getting low-cost coverage. A survey found that consumers who compared price quotes annually saved on average $3,500 over four years as compared to drivers who don't regularly compare prices.

If finding budget-friendly rates on car insurance is your intention, then having some insight into how to quote prices and compare cheaper coverage can save time, money, and frustration.

Just remember that quoting more helps locate the best offered rates.

The following companies have been selected to offer free quotes in Kentucky. To get cheap auto insurance in KY, we recommend you visit two to three different companies to get a more complete price comparison.

Rates and information analytics

The coverage information shown below showcases different insurance costs for Ford Fusion Hybrid models. Being more informed about how rates are determined can help customers make informed decisions when comparing rate quotes.

Ford Fusion Hybrid Insurance Rates in Lexington, KY
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion Hybrid 4-Dr Sedan $222 $490 $392 $24 $118 $1,246 $104
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Table data represents married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Kentucky minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Rates do not factor in the specific area where the vehicle is garaged which can influence coverage prices greatly.

Policy deductible comparison

When comparing car insurance rates, the most common question is which comprehensive and collision deductibles to buy. The comparisons below illustrate the price difference between high and low policy deductibles. The first rate estimation uses a $250 physical damage deductible and the second set of rates uses a $500 deductible.

Ford Fusion Hybrid insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion Hybrid 4-Dr Sedan $284 $576 $408 $24 $122 $1,439 $120
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Ford Fusion Hybrid insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion Hybrid 4-Dr Sedan $232 $466 $408 $24 $122 $1,252 $104
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Kentucky minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Price information does not factor in specific location information which can influence prices substantially.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost you roughly $16 more each month or $192 annually than quoting the higher $500 deductible. Since you would pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you tend to average at least 16 months between claim filings, you would come out ahead if you choose a higher deductible.

Cheaper Ford Fusion Hybrid insurance in Lexington

Companies that sell car insurance don't always list the complete list of policy discounts in an easy-to-find place, so the list below details both well-publicized and the more hidden ways to save on car insurance.Car insurance discounts

  • Multi-policy Discount - If you insure your home and vehicles and place coverage with the same company you could earn a discount of approximately 10% to 15%.
  • Service Members Pay Less - Having an actively deployed family member may lower your rates slightly.
  • Sign Early and Save - Some larger companies reward drivers for buying a new policy before your current coverage expires. You may see this discount when you get Lexington car insurance quotes online.
  • Good Student Discount - Performing well in school can be rewarded with saving of up to 25%. The discount lasts up to age 25.
  • Paperwork-free - A few larger online companies give back up to $50 for buying your policy over the internet.

Discounts lower rates, but most of the big mark downs will not be given to the entire policy premium. Most only cut the price of certain insurance coverages like comprehensive or collision. Even though it appears adding up those discounts means a free policy, it just doesn't work that way.

The information below illustrates the comparison of Ford Fusion Hybrid auto insurance costs with and without discounts applied to the premium. The rates are based on a male driver, a clean driving record, no at-fault accidents, Kentucky state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, claim-free, safe-driver, multi-car, and homeowner discounts applied.

To view insurance companies who offer cheap Ford Fusion Hybrid insurance quotes in Lexington in Lexington, click here.

Three reasons insurance is important

Despite the high cost of buying insurance for a Ford Fusion Hybrid in Lexington, paying for insurance may be required for several reasons.

  • Most states have mandatory liability insurance requirements which means it is punishable by state law to not carry a specific minimum amount of liability protection if you want to drive legally. In Kentucky these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
  • If you have a loan on your vehicle, most lenders will have a requirement that you buy insurance to protect their interest in the vehicle. If you do not keep the policy in force, the lender may have to buy a policy to insure your Ford at a much higher premium rate and make you pay the higher price.
  • Insurance preserves your vehicle and your assets. Insurance will also pay for hospital and medical expenses that are the result of an accident. One policy coverage, liability insurance, also covers all legal expenses up to the policy limit if you are sued as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive and collision coverage will cover the damage repairs after a deductible is paid.

The benefits of insuring your Fusion Hybrid definitely exceed the cost, especially when you need to use it. An average driver in America is wasting up to $810 a year so it's important to compare rates at every policy renewal to make sure the price is not too high.

Local Lexington car insurance agents

Some consumers would rather talk to a local agent and that is recommended in a lot of cases A good thing about comparing rates online is you may find better rates and also buy local. And buying from small agencies is important especially in Lexington.

After completing this quick form, the coverage information is submitted to participating agents in Lexington who will give competitive quotes for your coverage. There is no need to contact an agency because prices are sent to your email. Get lower rates and a licensed agent to talk to. In the event you want to quote rates from a specific auto insurance provider, you would need to navigate to their website and fill out the quote form the provide.

Picking the best provider requires you to look at more than just a cheap price. These are some valid questions you should ask.

  • Will the agent or a CSR service your policy?
  • How much can you save by raising your physical damage deductibles?
  • Are all drivers listed on the coverage quote?
  • Do they have any clout with companies to ensure a fair claim settlement?
  • Is assistance available after office hours?
  • How many years of experience in personal auto insurance do they have?