Save on Ford Fusion Hybrid Insurance in Lubbock

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Insurance rates Ford Fusion Hybrid in LubbockHave you had enough of not being able to scrape enough together to make your auto insurance payment? You have the same problem as most other vehicle owners in Texas.

Regrettably, almost 70% of drivers renewed their policy with the same company for more than four years, and 38% of drivers have never compared rates from other carriers. With the average premium in Texas being $2,680, drivers could pocket almost 70% a year, but they don't believe how much they could save if they switched.

Steps to finding cheaper Ford Fusion Hybrid insurance in Lubbock

If you want to save the most money, the best way to get low-cost Ford Fusion Hybrid insurance in Lubbock is to start comparing prices regularly from different companies who provide car insurance in Texas.

First, read and learn about how auto insurance works and the measures you can take to keep rates in check. Many rating factors that are responsible for high rates such as speeding tickets, accidents and a low credit rating can be amended by making minor changes to your lifestyle.

Second, request price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only quote rates from one company like GEICO and State Farm, while independent agencies can provide price quotes from multiple insurance companies.

Third, compare the new rate quotes to your current policy to determine if you can save on Fusion Hybrid insurance in Lubbock. If you can save money and change companies, make sure there is no lapse in coverage.

One piece of advice is to compare identical coverage information on each quote request and and to analyze as many different insurance providers as possible. This helps ensure the most accurate price comparison and a better comparison of the market.

You have multiple insurance companies to choose from, and although it's nice to have a selection, it makes it harder to find the best rates for your vehicles.

You need to get comparison quotes occasionally since prices are variable and change quite frequently. Even if you got the lowest rates on Ford Fusion Hybrid insurance in Lubbock a few years ago you will most likely find a better premium rate today. There is too much inaccurate information about Fusion Hybrid insurance online, but we're going to give you some proven techniques to slash your auto insurance rates in Lubbock.

Cheapest car insurance in Lubbock, TX

The providers in the list below have been selected to offer free rate quotes in Lubbock, TX. If your goal is to find cheap car insurance in TX, we suggest you visit several of them to get the cheapest price.

Ford Fusion Hybrid insurance statistics and information

The rate table shown next outlines a range of coverage prices for Ford Fusion Hybrid models. Learning a little about how premiums are formulated is important to be able to make smart choices when buying a car insurance policy.

Ford Fusion Hybrid Insurance Rates in Lubbock, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion Hybrid 4-Dr Sedan $246 $500 $490 $30 $146 $1,412 $118
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Cost estimates assume married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Price estimates do not factor in zip code location which can modify insurance rates noticeably.

Where to set your deductibles

One of the more difficult decisions when buying auto insurance is where to set your physical damage deductibles. The comparison tables below can help illustrate the costs and benefits when you select higher and lower physical damage coverage deductibles. The first rate estimation uses a $100 physical damage deductible and the second set of prices uses a $1,000 deductible.

Ford Fusion Hybrid insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion Hybrid 4-Dr Sedan $370 $804 $476 $28 $142 $1,845 $154
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Ford Fusion Hybrid insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion Hybrid 4-Dr Sedan $206 $424 $476 $28 $142 $1,276 $106
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Information does not factor in specific zip code location which can alter coverage rates noticeably.

Using the data above, we can ascertain that using a $100 deductible costs an average of $48 more each month or $576 for a full year than buying the higher $1,000 deductible. Due to the fact that you would have to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to have at a minimum 19 months between claims, you would probably save some money if you elect the higher deductible. The illustration below shows how you can make your own decision.

Average monthly premium for $100 deductibles: $154
Average monthly premium for $1,000 deductibles (subtract): - $106
Monthly savings from raising deductible: $48
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $48
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 19 months

An important thing to remember is that a higher deductible level means you will have to pay more when you file a claim. It will be required that you have some extra savings in the event you need to pay more for the deductible.

The example below illustrates how your choice of deductibles and can affect Ford Fusion Hybrid insurance prices for each different age group. The prices are based on a married female driver, comp and collision included, and no discounts are factored in.

Cheaper Lubbock car insurance rates with discounts

Insurance can be prohibitively expensive, but there could be significant discounts that many people don't even know exist. Certain discounts will be triggered automatically when you complete an application, but some must be manually applied in order for you to get them. If you don't get every credit you deserve, you could be getting lower rates.

  • Claim Free - Drivers who don't have accidents are rewarded with significantly better rates on Lubbock auto insurance quote as compared to insureds who have frequent claims or accidents.
  • Low Mileage Discounts - Low annual miles could qualify for discounted car insurance rates on garaged vehicles.
  • Save with a New Car - Putting insurance on a new Fusion Hybrid can save up to 30% due to better safety requirements for new model year vehicles.
  • Discounts for Good Drivers - Insureds without accidents can get discounts for up to 45% lower rates than drivers with accident claims.
  • Air Bags and Passive Restraints - Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts up to 30%.
  • Accident Forgiveness Coverage - This isn't a discount exactly, but some companies like Allstate and State Farm will allow you to have one accident without getting socked with a rate hike with the catch being you have to be claim-free prior to the accident.
  • Theft Deterrent - Anti-theft and alarm system equipped vehicles prevent vehicle theft and will save you 10% or more on Fusion Hybrid insurance in Lubbock.

Discounts reduce rates, but you should keep in mind that some of the credits will not apply to the whole policy. The majority will only reduce the cost of specific coverages such as comp or med pay. Just because you may think all the discounts add up to a free policy, company stockholders wouldn't be very happy.

The information below illustrates the difference between Ford Fusion Hybrid auto insurance rates with and without discounts applied to the premium. The data is based on a male driver, no claims or driving violations, Texas state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, multi-policy, claim-free, safe-driver, and marriage discounts applied.

Larger car insurance companies and a summarized list of policyholder discounts are outlined below.

  • American Family offers discounts for Steer into Savings, defensive driver, multi-vehicle, good driver, accident-free, mySafetyValet, and TimeAway discount.
  • Farm Bureau has savings for multi-vehicle, good student, multi-policy, 55 and retired, and renewal discount.
  • State Farm policyholders can earn discounts including accident-free, passive restraint, safe vehicle, defensive driving training, Steer Clear safe driver discount, and driver's education.
  • Travelers includes discounts for driver training, new car, multi-car, student away at school, continuous insurance, and multi-policy.
  • The Hartford has discounts for air bag, anti-theft, bundle, driver training, defensive driver, vehicle fuel type, and good student.
  • GEICO offers premium reductions for driver training, multi-policy, multi-vehicle, seat belt use, and emergency military deployment.
  • Progressive discounts include multi-vehicle, homeowner, online quote discount, continuous coverage, online signing, and multi-policy.

When getting a coverage quote, ask all companies you are considering which discounts can lower your rates. Some discounts may not be available in Lubbock. For a list of car insurance companies that offer the discounts shown above in Lubbock, click here to view.

Insurance agencies are professional risk managers

Some consumers still like to have an agent's advice and doing so can bring peace of mind Insurance agents are highly skilled in risk management and help submit paperwork. One of the great benefits of comparing rate quotes online is you may find lower rates but still work with a licensed agent.

Insurance agents in LubbockTo help locate an agent, after submitting this form (opens in new window), your information is transmitted to insurance agents in Lubbock who want to provide quotes for your coverage. It's much easier because you don't need to even leave your home due to the fact that quote results will go instantly to you. If you want to compare prices from a specific insurance company, don't hesitate to jump over to their website and give them your coverage information.

Picking an company is decision based upon more than just a cheap quote. These are some valid questions you should ask.

  • How many companies do they write for?
  • Will high miles depreciate repair valuations?
  • Which insurance company do they prefer to write with?
  • Is their price quote a firm figure or are their hidden costs?
  • Do they have any clout with companies to ensure a fair claim settlement?
  • Is the agent CPCU or CIC certified?

After receiving positive responses to these questions and the cheapest Ford Fusion Hybrid insurance in Lubbock quotes, it's possible that you found an insurance company that meets the requirements to insure your vehicles.

Compare but don't skimp

When buying insurance coverage, never reduce coverage to reduce premium. In too many instances, drivers have reduced physical damage coverage to discover at claim time they didn't purchase enough coverage. Your objective should be to buy a smart amount of coverage for the lowest cost, but do not sacrifice coverage to save money.

You just learned many tips how you can save on Ford Fusion Hybrid insurance in Lubbock. The most important thing to understand is the more price quotes you have, the better chance you'll have of finding the cheapest Ford Fusion Hybrid rate quotes. Consumers could even find that the lowest priced insurance comes from an unexpected company. Some small companies may have significantly lower car insurance rates on certain market segments compared to the large companies like Progressive or GEICO.

Steps to buying low-cost Ford Fusion Hybrid insurance in Lubbock

If saving money is your primary concern, then the best way to find the cheapest price for Ford Fusion Hybrid insurance in Lubbock is to do a yearly price comparison from different companies in Texas.

  1. Get a basic knowledge of what is in your policy and the things you can change to keep rates in check. Many risk factors that cause high rates such as careless driving and your credit history can be eliminated by being financially responsible and driving safely.
  2. Get rate quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can provide rates from one company like Progressive or Allstate, while independent agencies can provide price quotes for many different companies. Begin your rate comparison
  3. Compare the quotes to your current policy to see if a cheaper price is available. If you find better rates and switch companies, make sure there is no lapse between the expiration of your current policy and the new one.
  4. Notify your company or agent of your intent to cancel your current auto insurance policy. Submit the signed application along with the required initial payment to your new carrier. As soon as you receive it, safely store the proof of insurance paperwork somewhere easily accessible.

One thing to point out is that you use the same level of coverage on every quote request and to quote with as many auto insurance providers as possible. Doing this guarantees an apples-to-apples comparison and many rates to choose from.

Additional information is located at the links below