We don’t have to tell you that auto insurance companies don’t want customers comparing rates. People who shop for lower prices are inclined to switch insurance companies because there is a good chance of finding a more affordable policy premium. Remarkably, a study showed that drivers who shopped around annually saved approximately $3,500 over four years compared to other drivers who never shopped around for cheaper prices.
If finding the best price on insurance is your ultimate objective, then having some insight into the best way to compare cheaper coverage can make it easier for you to save money.
If you want to save money, the best way to save money on car insurance rates in Pittsburgh is to regularly compare prices from insurers in Pennsylvania.
- First, gain an understanding of the different coverages in a policy and the changes you can make to drop your rates. Many policy risk factors that drive up the price like traffic citations, accidents, and a not-so-good credit score can be eliminated by making minor driving habit or lifestyle changes.
- Second, compare prices from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only quote rates from one company like GEICO or Farmers Insurance, while independent agents can provide price quotes from multiple insurance companies. View prices
- Third, compare the quotes to your existing rates to see if a cheaper rate is available in Pittsburgh. If you find a lower rate quote, make sure coverage is continuous and does not lapse.
- Fourth, notify your agent or company to cancel your current coverage. Submit the application along with any required down payment to your new agent or company. Once the paperwork is finalized, put the certificate of insurance in an accessible location in your vehicle.
A valuable tip to remember is to make sure you’re comparing identical coverage information on each quote request and and to get prices from as many carriers as you can. This provides a fair rate comparison and many rates to choose from.
When comparing car insurance rates, know that comparing more quotes will increase your chances of finding a better price. Some insurance companies are not set up to provide online Pittsburgh Fusion Hybrid insurance quotes, so you need to compare price estimates from them as well.
The companies shown below can provide free quotes in Pennsylvania. To get the best auto insurance in Pittsburgh, we suggest you visit as many as you can in order to find the cheapest rates.
Save money on Ford Fusion Hybrid insurance in Pittsburgh with these discounts
Some providers do not list every discount they offer in a way that’s easy to find, so the list below details both the well known as well as some of the hidden credits available to bring down your rates.
- Professional Memberships – Joining specific professional or occupational memberships or organizations could qualify you for a break on your bill.
- Senior Citizen Discount – Drivers over the age of 55 can possibly qualify for a discount up to 10%.
- Distant Student Discount – Children who live away from home to go to college and won’t have access to an insured vehicle could get you a discount.
- Good Grades Discount – Performing well in school could provide a savings of up to 20% or more. This discount can apply up to age 25.
- Multi-Vehicle Discounts – Buying insurance for more than one vehicle on one policy may reduce the rate for each vehicle.
- Accident Free – Pittsburgh drivers who stay claim-free pay much less compared to accident-prone drivers.
- Defensive Driving Course – Completing a safe driver class could save 5% or more and also improve your driving technique.
- No Charge for an Accident – Not necessarily a discount, but some companies like Progressive, Allstate, and Liberty Mutual will forgive one accident without the usual rate increase if your claims history is clear prior to being involved in the accident.
- Air Bag Discount – Vehicles with factory air bags can receive discounts of 20 to 30 percent.
A little note about advertised discounts, some credits don’t apply to the overall cost of the policy. Most cut individual premiums such as comprehensive or collision. Just because you may think having all the discounts means you get insurance for free, you’re out of luck.
The example below illustrates the difference between Ford Fusion Hybrid insurance costs with and without discounts applied to the policy rates. The information is based on a female driver, no driving violations, no at-fault accidents, Pennsylvania 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 safe-driver, multi-car, claim-free, marriage, homeowner, and multi-policy discounts applied.
To find companies that offer the discounts shown above in Pennsylvania, click this link.
Facts and figures for Ford Fusion Hybrid insurance
The rate information displayed next covers estimates of insurance coverage prices for Ford Fusion Hybrid models. Being more informed about how insurance quotes are formulated can help drivers make decisions on which insurance to purchase.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion Hybrid 4-Dr Sedan | $152 | $358 | $432 | $26 | $130 | $1,098 | $92 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Table data does not factor in zip code location which can increase or decrease prices noticeably.
The illustration below demonstrates how choosing different deductibles and can raise or lower Ford Fusion Hybrid annual premium costs for different insured age categories. The rate quotes are based on a married female driver, full physical damage coverage, and no discounts are factored in.
Tickets and at-fault accidents raise rates
The example below highlights how traffic violations and at-fault accidents can impact Ford Fusion Hybrid insurance prices for different ages of insureds. Data assumes a married female driver, comp and collision included, $500 deductibles, and no discounts are applied to the premium.
Rate comparison of males versus females in Pittsburgh
The example below illustrates the difference between Ford Fusion Hybrid premium costs for male and female drivers. The rates are based on no violations or accidents, comprehensive and collision coverage, $100 deductibles, drivers are not married, and no policy discounts are applied.
Full coverage or liability only
The information below illustrates the comparison of Ford Fusion Hybrid insurance rates with full physical damage coverage and with liability coverage only. The prices are based on a clean driving record, no at-fault accidents, $100 deductibles, single status, and no discounts are factored in.
When to buy liability coverage only
There isn’t a steadfast formula of when to exclude physical damage insurance, but there is a general guideline you can use. If the annual cost of having full coverage is 10% or more of the vehicle’s replacement cost less your deductible, then it might be time to buy liability only.
For example, let’s assume your Ford Fusion Hybrid replacement cost is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most your company will settle for is $4,000 after paying your policy deductible. If it’s costing in excess of $400 a year for comprehensive and collision coverage, then you might want to think about dropping full coverage.
There are some scenarios where dropping physical damage coverage is not advised. If you haven’t satisfied your loan, you have to keep full coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should not opt for liability only.
The Ford Fusion Hybrid Insurance Price Equation
A large part of saving on insurance is knowing the rating factors that are used to determine your premiums. When you understand what controls the rates you pay, this allows you to make educated decisions that may result in lower rates.
The factors shown below are a partial list of the pieces that factor into your rates.
- More people means more accidents – Living in less populated areas of the country has definite advantages when insuring your vehicles. City drivers have to deal with much more traffic and longer commutes to work. Fewer people corresponds to lower accident rates in addition to fewer liability claims.
- Alarm systems save money – Driving a car that has a built-in theft deterrent system can help lower your premiums. Theft prevention features like OnStar, LoJack tracking, and tamper alarms can thwart auto theft and help lower rates.
- Remove unneeded add-on coverages – Insurance companies have many additional extra coverages that may not really be needed if you aren’t diligent. Coverage for things like rental car coverage, towing coverage, and additional equipment coverage are examples of these. These may sound like a good investment when talking to your agent, but your needs may have changed so eliminate the coverages to reduce your premium.
- Getting married is a bonus – Having a spouse may earn you lower rates on insurance. It is viewed as being more stable financially and statistics prove married drivers get in fewer accidents.
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Insurance loss probability for a Ford Fusion Hybrid – Insurers use historical loss data to calculate a rate that offsets possible losses. Models that the statistics show to have a higher amount or frequency of claims will have increased rates.
The table below illustrates the insurance loss data for Ford Fusion Hybrid vehicles. For each coverage type, the claim probability for all vehicles combined as an average is represented as 100. Numbers that are below 100 indicate better than average losses, while numbers that are greater than 100 indicate a higher chance of having a claim or a tendency for claims to be larger.
Ford Fusion Hybrid Insurance Loss Statistics Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Ford Fusion Hybrid 125 97 98 92 93 95 BETTERAVERAGEWORSEStatistics from IIHS.org for 2013-2015 Model Years
You may need help from a local insurance agent
A lot of people still prefer to get advice from a local agent and that is recommended in a lot of cases One of the best bonuses of comparing insurance prices online is you can get better rates but still work with a licensed agent.
After completing this form (opens in new window), the quote information is emailed to companies in Pittsburgh who want to provide quotes for your coverage. There is no need to do any legwork because prices are sent to the email address you provide. It’s the lowest rates and work with a local agent. If you need to get a price quote from a particular provider, don’t hesitate to visit that company’s website to submit a rate quote request.
Picking an insurer shouldn’t rely on just the price. These questions are important to ask:
- What companies can they write with?
- Do they see any coverage gaps in your plan?
- Does the agency have a positive business rating?
- How is replacement cost determined on your vehicle?
- Is there any savings for paying the full premium?
- How long has the business existed?
- What insurance companies do they recommend if they are an independent agent?
Shown below is a short list of insurance companies in Pittsburgh that may be willing to give comparison quotes for Ford Fusion Hybrid insurance in Pittsburgh.
- Darlene Shelton-Lamot – State Farm Insurance Agent
911 Western Ave – Pittsburgh, PA 15233 – (412) 322-1064 – View Map - Riley Insurance
2544 Library Rd # 205 – Pittsburgh, PA 15234 – (412) 563-2390 – View Map - Nationwide Insurance: Barry Lumsden
600 Grant St – Pittsburgh, PA 15219 – (412) 415-1954 – View Map - Joe Vojtas Agency – ERIE Insurance
9800B McKnight Rd #226 – Pittsburgh, PA 15237 – (412) 847-3743 – View Map
After receiving good responses to these questions and a low price estimate, you have narrowed it down to an provider that can adequately provide auto insurance.
Will just any policy work for me?
When it comes to buying adequate coverage for your personal vehicles, there really isn’t a “perfect” insurance plan. Every insured’s situation is different so this has to be addressed.
Here are some questions about coverages that may help highlight whether your personal situation may require specific advice.
- Do I have any recourse if my insurance company denies a claim?
- Do I need PIP (personal injury protection) coverage in Pennsylvania?
- Does my policy cover me when driving someone else’s vehicle?
- Does my policy cover my teen driver if they drive my company car?
- How much liability coverage do I need in Pennsylvania?
- Do I have coverage if I rent a car in Mexico?
- When should I not buy collision coverage?
If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.
In the end, you can save money
As you prepare to switch companies, it’s not a good idea to reduce coverage to reduce premium. There have been many situations where someone dropped liability limits or collision coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The goal is to find the BEST coverage at a price you can afford but still have enough coverage for asset protection.
You just read quite a bit of information on how to shop for Ford Fusion Hybrid insurance online. The key thing to remember is the more price quotes you have, the higher your chance of finding affordable Pittsburgh car insurance quotes. Drivers may even discover the lowest rates come from some of the lesser-known companies. Regional companies may often insure only within specific states and give better rates than their larger competitors like Progressive or GEICO.
More detailed auto insurance information is available in the articles below:
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)
- Who Has Affordable Car Insurance for Immigrants in Pittsburgh? (FAQ)
- Who Has Affordable Car Insurance for Hybrid Vehicles in Pittsburgh? (FAQ)
- How Much are Pittsburgh Auto Insurance Quotes for a Subaru Outback? (FAQ)
- What Insurance is Cheapest for Lyft Drivers in Pittsburgh? (FAQ)
- Prom Night Tips for Teen Drivers (State Farm)
- Should I Buy a New or Used Car? (Allstate)
- Side Impact Crash Tests (iihs.org)