Tired of trying to scrape together enough money to pay your auto insurance bill each month? You're in the same situation as many other drivers in Alabama.
Shocking but true, a large majority of drivers in Alabama have remained with the same auto insurance company for a minimum of four years, and about 40% of consumers have never quoted rates to find cheap coverage. American drivers could save themselves as much as $850 a year, but they don't believe the amount of savings they would get if they just switched companies.
Due to the abundance of different company options, it can be diffult for people to pick the cheapest insurer.
Buying the cheapest auto insurance in Mobile is not as confusing as people think. Practically every car owner who carries auto insurance will most likely find a lower price. But Alabama consumers must learn how companies compete online and apply this information to your search.
The fastest way that we advise to get policy rate comparisons for Ford Fusion insurance in Mobile is to know the fact most insurance companies pay for the opportunity to compare rate quotes. To begin a comparison, all you need to do is take a few minutes to give details like your occupation, if you require a SR-22, how you use your vehicles, and the ages of drivers. That rating information gets transmitted to multiple companies and they return quotes with very little delay.
To start a rate quote now, click here and complete the quick form.
The providers in the list below are ready to provide free rate quotes in Mobile, AL. If more than one company is shown, we suggest you visit two to three different companies to get the best price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Fusion S 4-Dr Sedan||$250||$540||$382||$22||$114||$1,308||$109|
|Fusion SE 4-Dr Sedan||$282||$636||$382||$22||$114||$1,436||$120|
|Fusion Hybrid 4-Dr Sedan||$314||$804||$548||$32||$164||$1,862||$155|
|Fusion SEL 4-Dr Sedan||$156||$318||$354||$20||$106||$954||$80|
|Fusion Sport 4-Dr Sedan||$182||$326||$338||$20||$100||$966||$81|
|Fusion SEL AWD 4-Dr Sedan||$230||$374||$442||$26||$132||$1,204||$100|
|Fusion Sport AWD 4-Dr Sedan||$284||$604||$324||$20||$96||$1,328||$111|
|Get Your Own Custom Quote Go|
Data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Alabama minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Rate quotes do not factor in your specific Mobile location which can alter prices significantly.
Can higher deductibles save money?
The diagram below shows how choosing a deductible and can change Ford Fusion premium costs for each different age group. The prices are based on a married female driver, full physical damage coverage, and no other discounts are factored in.
Why you need insurance for your Ford Fusion
Despite the high insurance cost for a Ford Fusion in Mobile, buying auto insurance may be required and benefits you in several ways.
First, just about all states have mandatory liability insurance requirements which means the state requires specific minimum amounts of liability coverage in order to drive the car legally. In Alabama these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you have a loan on your Ford Fusion, more than likely the lender will require that you buy full coverage to guarantee payment of the loan. If you do not keep the policy in force, the bank may insure your Ford at an extremely high rate and require you to reimburse them the higher premium.
Third, auto insurance preserves not only your car but also your financial assets. Insurance will also pay for most medical and hospital costs for yourself as well as anyone injured by you. One policy coverage, liability insurance, will also pay for a defense attorney if you cause an accident and are sued. If damage is caused by hail or an accident, collision and comprehensive coverages will pay to restore your vehicle to like-new condition.
The benefits of buying enough insurance definitely exceed the price paid, particularly for liability claims. Unknowingly, the average driver overpays more than $830 a year so it's recommended you shop around at least once a year to help ensure money is not being wasted.
Get Cheaper Insurance Premiums by Understanding These Factors
Part of the auto insurance buying process is learning the factors that are used to determine auto insurance rates. If you have a feel for what determines base rates, this enables you to make decisions that may reward you with cheaper rates.
Do you really need the incidental coverages? - There are a ton of extra add-on coverages you can purchase on your auto insurance policy. Things like replacement cost coverage, death and dismemberment, and Farm Bureau memberships may not be needed and are just wasting money. They may seem good when buying your policy, but if you have no use for them eliminate them to save money.
Is you job costing you more? - Did you know that where you work can have an impact on rates? Occupations like fire fighters, architects and medical professionals generally pay the highest average rates because of intense work situations and lengthy work days. On the other hand, professions such as farmers, athletes and retirees pay lower than average rates.
Pay lower prices if you're married - Having a significant other may cut your premiums when buying auto insurance. Having a significant other may mean you are more responsible it has been statistically shown that married drivers tend to have fewer serious accidents.
Lower rates come with age - Older drivers tend to be more responsible, are lower risk to insure, and are safer drivers.Inexperience drivers are statistically shown to be inattentive when at the wheel of a vehicle so they pay higher auto insurance rates.
Gender and insurance coverage prices - Statistics have proven females are less aggressive when driving. However, this does not mean females are better at driving than males. They both cause accidents in similar percentages, but men have costlier accidents. Not only that, but men also get higher numbers of serious violations such as driving while intoxicated (DWI) or driving recklessly. Youthful male drivers are several times more likely to be in an accident so they pay the highest premiums.
When should you not file a auto insurance claims? - If you tend to file frequent claims, you can pretty much guarantee higher rates. Auto insurance companies in Alabama provide most affordable rates to insureds who only file infrequent claims. Your car insurance is intended for larger claims.
Multi-policy discounts can save money - Most larger auto insurance companies apply a discount to people that purchase more than one policy in the form of a multi-policy discount. Discounts can add up to as much as ten percent or more Even if you already get this discount, drivers will still want to shop around to guarantee you are still saving the most.
Claims statistics for a Ford Fusion - Insurers take into consideration insurance loss statistics for every vehicle when they calculate premium costs for each model. Models that statistically have a trend towards higher claims will cost more for specific coverages.
The table shown below demonstrates the compiled insurance loss statistics for Ford Fusion vehicles. For each type of coverage, the loss probablilty for all vehicles, regardless of manufacturer or model, is set at 100. Numbers shown that are under 100 imply a favorable loss record, while numbers that are greater than 100 point to more claims or larger claims.
Auto Insurance Loss Data for Ford Fusion Models
|Vehicle Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Ford Fusion 2WD||110||95||108||116||111||105|
|Ford Fusion 4WD||115||85||120||88||77||71|
|Ford Fusion Hybrid||125||97||98||92||93||95|
|Ford Fusion Plug-in Hybrid||128||87||91||88||91||107|
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Auto insurance policy discounts for Ford Fusion insurance in Mobile
Auto insurance is neither fun to buy or cheap, but you might be missing out on some discounts to help bring down the price. Certain discounts will be applied when you complete an application, but a few must be specifically requested in order for you to get them.
- Savings for New Vehicles - Insuring a vehicle that is new can get you a discount due to better safety requirements for newer vehicles.
- Renewal Discounts - Some larger companies give discounts for buying a new policy prior to your current Fusion insurance policy expiring. This can save 10% or more.
- Anti-lock Brake System - Cars and trucks with anti-lock braking systems can reduce accidents and qualify for as much as a 10% discount.
- Home Ownership Discount - Owning a home in Mobile can earn you a little savings since owning and maintaining a home is proof that your finances are in order.
- Professional Memberships - Having an affiliation with a civic or occupational organization in Mobile could earn you a nice discount on your next renewal.
- Passive Restraints - Vehicles with factory air bags or automatic seat belts can receive discounts of 20 to 30 percent.
- Theft Deterrent - Vehicles equipped with anti-theft or alarm systems can help prevent theft and that can save you a little bit as well.
Discounts save money, but please remember that many deductions do not apply to the entire policy premium. The majority will only reduce individual premiums such as comprehensive or collision. Even though it may seem like all those discounts means the company will pay you, companies don't profit that way. But any discount will definitely lower your policy cost.
If you would like to view insurers that offer multiple discounts in Alabama, click here to view.
Which policy gives me the best coverage?
When buying your policy for your personal vehicles, there really is not a "perfect" insurance plan. Coverage needs to be tailored to your specific needs.
For example, these questions may help highlight if your insurance needs would benefit from professional advice.
- Is my Ford Fusion covered for flood damage?
- Do I have coverage if my license is suspended?
- Can my babysitter drive my car?
- When should I remove my kid from my policy?
- Do I benefit by insuring my home with the same company?
- Should I sign the liability waiver when renting a car?
- Should I have a commercial auto policy?
If you're not sure about those questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form.
Insurance agencies can help
Many people would prefer to buy from a licensed agent and that is a personal choice. The biggest benefit of getting online price quotes is you can get cheap rate quotes and also buy local. Buying from and supporting neighborhood insurance agencies is important especially in Mobile.
To make it easy to find an agent, after completing this form (opens in new window), the coverage information is sent to insurance agents in Mobile that can give you free Mobile auto insurance quotes to get your business. You never need to find an agent since rate quotes are delivered to the email address you provide. You can find the lowest rates and a licensed agent to work with. If you have a need to quote rates from a particular provider, you can always search and find their rate quote page and give them your coverage information.
Selecting a insurance company should include more criteria than just a cheap quote. The following questions are important to ask.
- Will they take your side in the event of a claim?
- What insurance company do they write the most business with?
- How long have they been in business?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Do you need full coverage on every vehicle?
The most affordable rates come from being thorough
When you buy Mobile auto insurance online, it's very important that you do not skimp on coverage in order to save money. Too many times, someone dropped liability coverage limits and found out when filing a claim that they should have had better coverage. Your focus should be to purchase a proper amount of coverage for the lowest cost, but do not skimp to save money.
People change insurance companies for a variety of reasons including extreme rates for teen drivers, high prices, policy cancellation and even poor customer service. It doesn't matter what your reason, choosing a new insurance company can be easy and end up saving you some money.
You just learned a lot of techniques to find affordable Ford Fusion insurance in Mobile. The key concept to understand is the more rate quotes you have, the better likelihood of getting the cheapest Ford Fusion rate quotes. Consumers could even find that the lowest premium rates come from a small local company.
Even more information can be read at these sites: