Auto Insurance Rates for a Ford Fusion Hybrid in Philadelphia

Do you want a faster way to compare cheaper auto insurance rates in Philadelphia, PA? Philadelphia buyers have many options when searching for affordable Ford Fusion Hybrid insurance. You can either spend your time driving around getting price quotes or utilize the internet to get rate quotes. There is a better way to buy auto insurance so we’re going to tell you the absolute fastest way to price shop coverage for a Ford and obtain the lowest possible price from Philadelphia insurance agents and online providers.

Buying affordable insurance in Philadelphia is actually quite simple. If you have a policy now, you will surely be able to get lower rates using these techniques. Smart shoppers just need to understand the fastest way to quote multiple rates from many different companies online.

Lower-cost Philadelphia car insurance quotes with discounts

Some providers do not list all discounts in an easy-to-find place, so the list below gives a summary of both well-publicized as well as some of the hidden credits available to you.

• Military Deployment Discount – Having a deployed family member could qualify you for better rates.
• Accident-Free Discounts – Philadelphia drivers who stay claim-free have much lower rates in comparison to accident-prone drivers.
• Discounts for Cautious Drivers – Accident-free drivers could pay up to 40% less than drivers with accidents.
• Discounts for Federal Employees – Federal government employees can earn a discount up to 10% with a few car insurance companies.
• Multi-line Discount – Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase auto and life insurance together.
• Professional Memberships – Participating in a professional or civic organization may earn a discount on car insurance.
• Smart Student Discounts – Being a good student can save 20 to 25%. Many companies even apply the discount to college students until age 25.
• ABS Braking Discount – Anti-lock brake equipped vehicles can avoid accidents and earn discounts up to 10%.
• Passive Restraints – Factory options such as air bags or motorized seat belts could see savings of 25 to 30%.
• Save with a New Car – Insuring a vehicle that is new may earn a small discount because new model year vehicles keep occupants safer.

Policy discounts save money, but most discounts do not apply to your bottom line cost. Most only apply to specific coverage prices like liability and collision coverage. If you do the math and it seems like it’s possible to get free car insurance, you’re out of luck.

The diagram below shows the comparison of Ford Fusion Hybrid insurance costs with and without policy discounts. Data assumes a female driver, no claims, a clean driving record, Pennsylvania state minimum liability limits, full 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, multi-policy, multi-car, and marriage discounts applied.

To see insurers with discount rates in Philadelphia, follow this link.

Cheapest Ford Fusion Hybrid insurance rate quotes in Philadelphia, Pennsylvania

Cutting your Philadelphia car insurance rates is actually easier than you may think. The only thing you need to do is spend a few minutes on the computer getting comparison quotes to discover which company has low cost Philadelphia car insurance quotes.

The providers in the list below can provide free quotes in Pennsylvania. If more than one company is shown, we recommend you visit as many as you can to get the best price comparison.

Coverage information

The premium table displayed next highlights estimates of rate quotes for Ford Fusion Hybrid models. Being more informed about how insurance premiums are calculated can be of help when making smart choices when selecting a coverage provider.

Above prices assume married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Premium costs do not factor in specific location information which can affect coverage rates significantly.

An analysis of deductible level

One common question asked by Philadelphia drivers is which deductible level should you buy. The following insurance rates can help show the differences in price when you select higher and lower insurance deductibles. The first data set uses a $100 deductible for comprehensive and collision coverage and the second data table uses a $1,000 deductible.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Rate quotes do not factor in vehicle garaging location which can alter premium rates substantially.

Based on the data above, we can derive that using a $100 deductible costs roughly $41 more each month or $492 every year than choosing the higher $1,000 deductible. Due to the fact that you would have to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you usually have at least 22 months between claim filings, you would most likely save money if you elect the higher deductible. Here is the way you can perform this determination yourself.

The illustration below shows how different deductible levels and can change Ford Fusion Hybrid yearly insurance costs for different age groups. The data is based on a single male driver, comp and collision included, and no discounts are applied.

Impact of speeding/accidents on car insurance rates

The chart below illustrates how speeding tickets and at-fault claims can impact Ford Fusion Hybrid yearly insurance costs for different age groups of insureds. Data assumes a single male driver, full physical damage coverage, $1,000 deductibles, and no discounts are taken into consideration.

Car insurance cost for men versus women

The diagram below illustrates the comparison of Ford Fusion Hybrid insurance premiums for male and female drivers. Data assumes no accidents, no driving violations, full physical damage coverage, $100 deductibles, drivers are not married, and no additional discounts are factored in.

When to get advice from an insurance agent

Some people still prefer to go talk to an agent. Experienced insurance agents are very good at helping people manage risk and help submit paperwork. A good thing about getting free rate quotes online is the fact that drivers can get the lowest rates and still choose a local agent.

Upon completion of this form (opens in new window), your insurance coverage information gets sent to companies in Philadelphia that provide free Philadelphia car insurance quotes for your business. You don’t have to contact any insurance agencies because prices are sent to your email. If for some reason you want to compare rates from a particular provider, you would need to go to their quote page and submit a quote form there.

Deciding on an insurance company should depend on more than just the quoted price. The answers to these questions are important, too.

• How much experience to they have in personal lines coverages?
• Is coverage determined by price?
• Do they have a Better Business Bureau rating in Philadelphia?
• Do they have any clout with companies to ensure a fair claim settlement?
• If you have an accident, will your rates go up?
• Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
• Which insurance companies are they affiliated with?
• What company do they have the most business with?

After receiving answers to your satisfaction to these questions and an affordable coverage quote, it’s possible that you found an provider that meets the criteria to properly insure your vehicles.

Auto insurance coverage information

Understanding the coverages of a auto insurance policy can help you determine the best coverages and the correct deductibles and limits. Auto insurance terms can be impossible to understand and reading a policy is terribly boring.

Coverage for liability

This will cover injuries or damage you cause to a person or their property by causing an accident. This coverage protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 15/30/5 which means $15,000 bodily injury coverage, a total of $30,000 of bodily injury coverage per accident, and a total limit of $5,000 for damage to vehicles and property.

Liability can pay for things such as legal defense fees, bail bonds, repair costs for stationary objects and medical services. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible. Pennsylvania requires drivers to carry at least 15/30/5 but drivers should carry higher limits.

The chart below shows why buying low liability limits may not be enough.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for bills such as ambulance fees, pain medications, funeral costs, doctor visits and EMT expenses. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection from other motorists when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Ford Fusion Hybrid.

Because many people only purchase the least amount of liability that is required (Pennsylvania limits are 15/30/5), their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things such as colliding with a tree, scraping a guard rail, hitting a parking meter, rolling your car and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible on your Fusion Hybrid to bring the cost down.

Comprehensive coverage (or Other than Collision)

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as fire damage, damage from a tornado or hurricane and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

In the end, you can save money

Cheaper Ford Fusion Hybrid insurance in Philadelphia can be bought both online as well as from insurance agents, so you should compare both to have the best chance of lowering rates. Some companies may not provide rate quotes online and these smaller companies prefer to sell through independent agents.

In this article, we presented many ways to lower your Ford Fusion Hybrid insurance car insurance rates in Philadelphia. It’s most important to understand that the more providers you compare, the better your comparison will be. Drivers may even discover the best car insurance rates are with an unexpected company.

As you quote Philadelphia car insurance, do not skimp on coverage in order to save money. In many cases, someone dropped collision coverage only to discover later they didn’t purchase enough coverage. Your objective should be to buy the best coverage you can find at the best possible price while not skimping on critical coverages.

Additional information

• Teen Driver Licensing Information (iihs.org)
• Who Has Cheap Car Insurance Quotes for Low Income Drivers in Philadelphia? (FAQ)
• How Much is Philadelphia Auto Insurance for Drivers Requiring a SR22? (FAQ)
• Who Has the Cheapest Auto Insurance for State Employees in Philadelphia? (FAQ)
• Who Has Cheap Auto Insurance for a School Permit in Philadelphia? (FAQ)
• Older Drivers FAQ (iihs.org)
• If I File a Claim will My Insurance Go Up? (Insurance Information Institute)
• Vehicle Insurance (Wikipedia)