6 Ways to Save Money on Ford Fusion Insurance in Las Vegas

Paying for high-priced Ford Fusion insurance can drain your personal savings and force you to make sacrifices. Comparing price quotes is free, only takes a few minutes, and is a good way to slash your bill and have more diposable income.

Companies like Allstate, Liberty Mutual and State Farm increase brand awareness with advertising and it can be hard to separate fact from fiction and find the best price available.

Fast and Easy Las Vegas Car Insurance Quotes

Most companies such as State Farm and Allstate allow you to get pricing directly from their websites. Getting quotes is fairly simple as you just enter the coverages you want into the quote form. Once you submit the form, their system will obtain your credit score and driving record and gives you a price quote. Quoting online makes it a lot easier to compare rates but the time required to go to several different sites and enter the same data into a form gets old quite quickly. But it’s absolutely necessary to get many rate quotes in order to get the lowest car insurance rates.

A more efficient way to get multiple rate quotes makes use of a single form to obtain quotes from a lot of companies. The form is fast, reduces the work, and makes quoting online much more enjoyable. Immediately after you send the form, it gets priced and you are able to buy your choice of the quotes that you receive. If you find a better price you can click and sign and buy the policy. The whole process takes 15 minutes at the most and may result in a nice savings.

To compare rates using this form now, click here to open in a new tab and complete the simple form. If you have coverage now, it’s recommended that you enter as close as possible to your current policy. This ensures you’re receiving a price comparison for exact coverage.

Are you getting all your discounts?

Companies don’t necessarily list every discount in a way that’s easy to find, so we break down some of the best known and the more hidden car insurance savings.

  • Drive Safe and Save – Insureds without accidents can pay as much as 50% less on Fusion insurance than their less cautious counterparts.
  • Accident Waiver – Certain companies will allow you to have one accident before your rates go up if your claims history is clear for a certain period of time.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of monthly or quarterly installments you could save 5% or more.
  • Bundle and Save – If you insure your home and vehicles with one insurance company you may save 10% to 20% off each policy.
  • Accident Free – Drivers who don’t have accidents pay less compared to frequent claim filers.
  • Homeowners Savings – Simply owning a home may trigger a car insurance policy discount because maintaining a house shows financial diligence.

It’s important to note that most credits do not apply to all coverage premiums. Most only apply to the price of certain insurance coverages like collision or personal injury protection. So despite the fact that it appears all those discounts means the company will pay you, companies don’t profit that way.

For a list of companies offering car insurance discounts in Nevada, click here.

When might I need an agent?

When choosing the right insurance coverage for your vehicles, there is no cookie cutter policy. Every situation is different so your insurance needs to address that. These are some specific questions could help you determine whether you will benefit from professional help.

  • Am I covered when pulling a rental trailer?
  • At what point should I drop full coverage?
  • Can I afford low physical damage deductibles?
  • Does my personal policy cover me when driving my company car?
  • Are rental cars covered under my policy?
  • I have good health insurance, so how much medical payments coverage do I need?

If you’re not sure about those questions, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies.

Even more information can be found at the Nevada Division of Insurance website. Nevada drivers can find out which companies have the most complaints, find out industry alerts, read industry bulletins, and get help finding coverage.

Don’t be fooled by advertising claims

State Farm and Allstate continually stream ads in print and on television. All the companies make an identical promise that you’ll save big after switching your policy. How do they all make the same claim? This is how they do it.

Different companies can use profiling for the type of customer they prefer to insure. A good example of a desirable insured might be between 25 and 40, has no driving citations, and has great credit. A customer that hits that “sweet spot” will get very good rates and most likely will save quite a bit of money when switching.

Consumers who don’t measure up to these standards will have to pay a more expensive rate which leads to business going elsewhere. The ad wording is “customers who switch” not “people who quote” save that kind of money. That is how companies can advertise the savings. Because of the profiling, it’s extremely important to get a wide range of price quotes. Because you never know the company that will have the lowest rates.

Car insurance coverages and their meanings

Learning about specific coverages of car insurance can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Shown next are the usual coverages available from car insurance companies.

Medical expense insurance

Med pay and PIP coverage provide coverage for immediate expenses for things like nursing services, hospital visits, EMT expenses, chiropractic care and ambulance fees. The coverages can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants in addition to if you are hit as a while walking down the street. PIP is not universally available but can be used in place of medical payments coverage

Collision insurance

This coverage pays for damage to your Fusion from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as crashing into a building, colliding with another moving vehicle, crashing into a ditch and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Liability auto insurance

This coverage protects you from damages or injuries you inflict on a person or their property in an accident. This coverage protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for things such as repair costs for stationary objects, attorney fees, legal defense fees, bail bonds and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible. Nevada state law requires minimum liability limits of 15,000/30,000/10,000 but it’s recommended drivers buy more liability than the minimum.

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

compare Ford Fusion insurance prices

Comprehensive insurance covers things like damage from a tornado or hurricane, fire damage, hitting a bird, rock chips in glass and a broken windshield. The highest amount your car insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Because many people have only the minimum liability required by law (15/30/10), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Better coverage you can count on

As you go through the steps to switch your coverage, it’s not a good idea to reduce coverage to reduce premium. There are a lot of situations where drivers have reduced uninsured motorist or liability limits only to discover later that saving that couple of dollars actually costed them tens of thousands. The aim is to find the BEST coverage at the best price, not the least amount of coverage.

Throughout this article, we presented many ways to compare Ford Fusion insurance prices online. The key concept to understand is the more quotes you get, the better likelihood of reducing your rate. Consumers could even find that the best price on car insurance is with some of the smallest insurance companies. Some small companies often have lower prices on specific markets than their larger competitors like Progressive and GEICO.