Affordable Insurance for a Ford Fusion Hybrid in Kansas City

The recommended way to get low-cost Ford Fusion Hybrid insurance is to begin comparing prices regularly from insurers in Kansas City.

• First, try to understand individual coverages and the changes you can make to prevent high rates. Many things that increase rates such as speeding and an unacceptable credit rating can be remedied by being financially responsible and driving safely. This article gives more details to lower rates and find discounts that you may qualify for.
• Second, compare rates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can give quotes from a single company like Progressive or Farmers Insurance, while independent agents can give you price quotes for a wide range of companies.
• Third, compare the new quotes to your current policy to determine if switching companies saves money. If you find a lower rate and make a switch, make sure there is no coverage gap between policies.

The most important part of this process is that you use the same physical damage deductibles and liability limits on each quote request and to quote with as many companies as you can. Doing this guarantees an apples-to-apples comparison and maximum price selection.

Unthinkable but true, over 70% of Missouri drivers have purchased from the same company for over three years, and almost half have never compared quotes from other companies. Many drivers in the United States could save an average of almost $859 each year just by comparing rates, but they think it’s difficult to save money by comparing rate quotes.

If you have a current auto insurance policy or need new coverage, use these tips to save money and still get good coverage. Our objective is to tell you how auto insurance companies operate and also save some money in the process Vehicle owners only need an understanding of the proper way to get comparison quotes using one simple form.

What Determines Ford Fusion Hybrid Insurance Costs?

Smart consumers have a good feel for the different types of things that aid in calculating your premiums. If you understand what impacts premium levels, this allows you to make good choices that could help you find lower premium levels. Lots of things are used when pricing auto insurance. Some are pretty understandable such as your driving history, but some are not quite as obvious such as your marital status or your vehicle rating.

• Impacts performance impacts auto insurance premiums – The performance level of the car you drive makes a significant difference in determining your rates. Smaller low performance passenger vehicles usually have the lowest rates, but many other things help determine your insurance rates.

  The next chart is based on a married male driver age 40, full coverage with $1000 deductibles, and no discounts or violations. It illustrates Ford Fusion Hybrid insurance premiums compared to other vehicles that have a range of risk factors.

• The higher your credit history the lower your prices – Your credit history is a big factor in your rate calculation. People with high credit scores tend to be more responsible as compared to drivers with bad credit. So if your credit history can be improved, you could be paying less to insure your Ford Fusion Hybrid by taking the time to improve your credit score.

• Prices for guys may be higher – Statistics demonstrate that women are safer drivers than men. This data doesn’t prove that males are worse at driving than females. Men and women are in fender benders in similar numbers, but the men have costlier accidents. Not only that, but men also get higher numbers of serious violations such as reckless driving.

  The example below illustrates the comparison of Ford Fusion Hybrid insurance prices for male and female drivers. The rate quotes are based on no claims or driving citations, full coverage, $1,000 deductibles, marital status is single, and no additional discounts are factored in.

• Don’t cancel your coverage without a new one in place – Driving without insurance coverage in place is against the law and your next policy will cost more because you let your insurance lapse for non-payment. Not only will you pay higher rates, being ticketed for driving with no insurance may earn you a license revocation or jail time. You may then have to file a SR-22 with the Missouri motor vehicle department.
• Cut rates and deter theft – Purchasing a vehicle with a theft deterrent system can help lower your premiums. Theft prevention devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help prevent your car from being stolen.
• What’s your car’s IIHS safety rating? – Vehicles with good safety scores get lower rates. These vehicles reduce occupant injuries and fewer serious injuries translates into fewer and smaller insurance claims passed on to you as lower rates. If your Ford Fusion Hybrid earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may be receiving a better rate.
• Rates can be impacted by your occupation – Occupations such as military generals, executives, and financial analysts tend to have the highest average rates attributed to stressful work requirements and extremely grueling work hours. Conversely, careers like farmers, historians and the unemployed get better rates.

• Loss probability for a Ford Fusion Hybrid – Insurers study historical loss data to help determine rates. Models that tend to have increased losses will have a higher cost to insure. The table below shows the historical insurance loss data for Ford Fusion Hybrid vehicles.

  For each policy coverage, the statistical loss for all vehicles as a whole is represented as 100. Numbers shown that are under 100 imply a favorable loss record, while values over 100 indicate more frequent losses 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

  BETTER

  AVERAGE

  WORSE

  Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Rates and data analysis

The price information shown next covers different insurance rates for Ford Fusion Hybrid models. Learning as much as possible about how insurance policy rates are formulated can be of help when making decisions on which insurance to purchase.

Table data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Missouri minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Rates do not factor in specific location which can lower or raise premium rates substantially.

Safe drivers pay less for car insurance

The illustration below demonstrates how citations and accident claims can affect Ford Fusion Hybrid premium costs for each different age group. The rates are based on a married female driver, comp and collision included, $250 deductibles, and no policy discounts are applied.

Should you buy full coverage?

The example below shows the difference between Ford Fusion Hybrid insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Missouri. The information is based on no violations or accidents, $100 deductibles, single status, and no policy discounts are applied.

When to drop full coverage

There is no set rule that works best for making the decision to drop full coverage on your policy, but there is a guideline you can use. If the yearly cost for physical damage coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.

For example, let’s say your Ford Fusion Hybrid settlement value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most you would receive is $8,000 after the deductible is paid. If you are currently paying more than $800 annually for full coverage, then you might want to think about dropping full coverage.

There are some cases where eliminating full coverage is not a good plan. If you still owe money on your vehicle, you are required to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should not eliminate full coverage.

Get cheaper rates on Ford Fusion Hybrid insurance in Kansas City with these discounts

Insurance can be prohibitively expensive, but discounts can save money and there are some available that can drop the cost substantially. Certain credits will be shown at the time you complete a quote, but occasionally some discounts must be inquired about before they will apply. If you do not double check each discount available, you’re just leaving money on the table.

• Membership in Organizations – Participating in qualifying clubs or civic groups may earn a discount on your policy.
• Multiple Policy Discount – If you have multiple policies with the same insurance company you could save as much as 10 to 15 percent.
• Student in College – Any of your kids who are attending college and do not have access to a covered vehicle can receive lower rates.
• Drivers Education – Have your child enroll and complete driver’s education if it’s offered in school.
• Save with a New Car – Adding a new car to your policy may earn a small discount because newer vehicles keep occupants safer.

While discounts sound great, it’s important to understand that many deductions do not apply to the entire cost. Most only cut specific coverage prices like liability and collision coverage. So even though you would think having all the discounts means you get insurance for free, companies wouldn’t make money that way.

The information below shows the difference between Ford Fusion Hybrid annual premium costs with and without discounts. The data is based on a male driver, no claims or driving violations, Missouri state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, claim-free, marriage, multi-policy, and multi-car discounts applied.

Auto insurance companies who may offer many of the previously listed discounts are:

• GEICO
• Mercury Insurance
• Farmers Insurance
• Auto-Owners Insurance
• Liberty Mutual
• SAFECO
• Progressive
• USAA

If you need lower rates, check with each insurance company how many discounts you can get. Some discounts might not be offered in Kansas City. If you would like to view providers that offer multiple discounts in Missouri, follow this link.

The best rates come from being thorough

When getting Kansas City car insurance quotes online, don’t be tempted to buy less coverage just to save a little money. There are many occasions where someone dropped collision coverage and found out when filing a claim that the small savings ended up costing them much more. The proper strategy is to purchase plenty of coverage at the best possible price but still have enough coverage for asset protection.

You just learned some good ideas how you can reduce Ford Fusion Hybrid insurance premium rates online in Kansas City. The key concept to understand is the more times you quote, the better your chances of lowering your prices. Consumers may even find the lowest priced insurance comes from an unexpected company.

Cheaper insurance in Kansas City is definitely available from both online companies and also from your neighborhood Kansas City agents, and you should be comparing both to have the best rate selection. Some insurance companies don’t offer online rate quotes and most of the time these smaller companies sell through local independent agencies.

Helpful resources

• What are my Rights when Filing a Claim? (Insurance Information Institute)
• What Auto Insurance is Cheapest for a Toyota Tacoma in Kansas City? (FAQ)
• Who Has Cheap Kansas City Car Insurance Quotes for Police Officers? (FAQ)
• Comprehensive Coverage (Liberty Mutual)
• Air Bags: Potential Dangers to Your Children (Insurance Information Institute)
• Vehicle Size and Weight FAQ (iihs.org)
• What does Personal Injury Protection (PIP) Cover? (Allstate)