Save Money on Ford Fusion Hybrid Insurance in Chicago

Insurance quote for Ford Fusion Hybrid in ChicagoHow many years has it been since you compared lower-priced Ford Fusion Hybrid insurance in Chicago? Searching for cheaper insurance for a Ford Fusion Hybrid in Illinois can be a lot of work, but you can use these tips to make it easier.

There is a better way to compare insurance rates so we’re going to tell you the proper way to quote coverages for a Ford and obtain the best price possible from Chicago insurance agents and online providers.

A recent survey discovered that most consumers in Illinois have been with the same company for at least four years, and nearly half have never compared rates with other companies. U.S. consumers could save nearly 47% a year, but most undervalue the large savings they would see if they switch to a new company.

Lower rate quotes by getting discounts

Insurance is neither fun to buy or cheap, but you may find discounts that you may not even be aware of. Many of these discounts will be applied automatically at the time you complete a quote, but a few must be requested specifically before you get the savings.

Don’t be shocked that most discount credits are not given to the whole policy. Most only reduce specific coverage prices like comprehensive or collision. Just because you may think you could get a free insurance policy, it just doesn’t work that way. Any qualifying discounts will reduce the cost of your policy.

To locate insurance companies who offer cheap Ford Fusion Hybrid insurance quotes in Chicago in Illinois, click here to view.

Finding cheaper Chicago insurance prices is a fairly straight forward process. You just have to take time getting comparison quotes from online providers.

The companies shown below are our best choices to provide price quotes in Chicago, IL. If more than one company is shown, we suggest you visit two to three different companies to get the most affordable price.

Ford Fusion Hybrid Insurance Costs in Chicago, IL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion Hybrid 4-Dr Sedan $140 $290 $326 $20 $98 $874 $73
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Illinois minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Price estimates do not factor in specific garaging location which can lower or raise auto insurance rates substantially.

How accidents and tickets impact rates in Chicago

The illustration below demonstrates how citations and at-fault accidents increase Ford Fusion Hybrid yearly insurance costs for each different age group. Data assumes a married male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are taken into consideration.

Ford Fusion Hybrid Insurance Premiums Can Be Cheaper

Lots of things are taken into consideration when quoting car insurance. Some are pretty understandable such as your driving record, but others are less obvious like where you live and annual miles driven.

City traffic equals higher premiums – Living in a rural area may provide you with better prices if you are looking for the lowest rates. Fewer people means a lower chance of having an accident and lower theft and vandalism rates. Drivers who live in large Illinois cities regularly have congested traffic and longer commutes to work. Spending more time driving means more chances of being involved in an auto accident.

Does your job raise your rates? – Occupational choices like judges, air traffic controllers, and financial analysts tend to have the highest average rates attributed to intense work requirements and lots of time spent away from family. On the other hand, jobs like actors, historians and performers have lower than average premiums.

Insurance rates and age – Inexperience drivers tend to get distracted easily with other occupants in the car so they pay higher insurance rates. Parents adding a inexperienced driver onto your insurance can be quite pricey. Older, more experienced drivers have been proven to be more responsible, statistically cause fewer accidents, and get fewer tickets.

Liability protection is critical – A critical coverage on your policy, liability insurance kicks in if you are determined to be liable for causing personal injury or damage in an accident. Your liability coverage provides legal defense coverage which can cost a lot. This coverage is relatively inexpensive compared to physical damage coverage, so insureds should have plenty of protection for their assets.

Loss statistics for a Ford Fusion Hybrid – Auto insurance companies use past insurance losses to help set a rate to offset losses. Vehicles that the data shows to have a trend towards higher claims will cost more to insure.

The table below shows the collected loss data for Ford Fusion Hybrid vehicles. For each coverage category, the claim amount for all vehicles, as an average, is considered to be 100. Values below 100 indicate a favorable loss history, while values over 100 indicate more frequent claims 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

Statistics from for 2013-2015 Model Years

Insurance agencies are professional risk managers

Certain consumers just want to get professional advice from a licensed agent and that is a smart decision Experienced insurance agents can help determine the best coverages and help file insurance claims. The biggest benefit of comparing car insurance online is that you can obtain cheap rate quotes and still choose a local agent. Putting coverage with small agencies is definitely important in Chicago.

Chicago insurance agentsFor easy comparison, once you complete this quick form, the coverage information is transmitted to insurance agents in Chicago who will give competitive quotes for your coverage. It’s much easier because you don’t need to find an agent on your own because prices are sent to the email address you provide. If you wish to compare prices from a specific insurance company, just find their quoting web page and submit a quote form there.

If you prefer to buy car insurance from a reputable insurance agent or broker, it helps to know the two different agency structures and how they differ in how they quote coverages. Agencies in Chicago are either independent agents or exclusive agents. Both types can provide car insurance policies, but it’s important to know the difference between them because it can influence the kind of agent you use.

Independent Car Insurance Agents (or Brokers)

These type of agents do not work for one specific company and that gives them the ability to insure with lots of companies and find you the best rates. If your premiums go up, they can switch companies in-house and you don’t have to do anything. When comparing rate quotes, you will definitely want to get insurance quotes from at a minimum one independent agency for the best price selection. Many can place coverage with small regional insurance companies that many times have cheaper rates.

The following is a small list of independent insurance agents in Chicago who may be able to give you free car insurance rate quotes.

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Exclusive Insurance Agents

Exclusive agencies work for only one company and examples are Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agents cannot provide rate quotes from other companies so keep that in mind. These agents are well trained on their company’s products which helps offset the inability to provide other markets. Drivers often buy from the same agent for years mostly because of the brand rather than low rates.

Listed below are exclusive insurance agents in Chicago that are able to give price quote information.

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Picking an insurance agent is decision based upon more than just a cheap quote. Agents should be asked these questions:

If you get good responses to any questions you may have as well as the cheapest Ford Fusion Hybrid insurance in Chicago quotes, chances are good that you have found an insurance agent that is professional and can adequately provide car insurance. Just be aware that you are able to cancel your coverage whenever you choose to so never feel you are locked into any specific agency for a certain time period.

Three reasons car insurance is important

Despite the high cost of buying insurance for a Ford Fusion Hybrid in Chicago, maintaining insurance is required in Illinois but also provides important benefits.

The benefits of buying car insurance definitely exceed the cost, particularly when you have a large claim. But the average American driver overpays as much as $750 every year so you should quote and compare rates at least once a year to save money.

How much can you save?

Drivers switch companies for any number of reasons including policy non-renewal, poor customer service, questionable increases in premium or even lack of trust in their agent. Whatever your reason, finding a great new company is less work than it seems.

We covered many tips how you can compare Ford Fusion Hybrid insurance auto insurance rates in Chicago. The key thing to remember is the more price quotes you have, the higher the chance of saving money. Drivers may even discover the best auto insurance rates are with the smaller companies.

When getting Chicago car insurance quotes online, you should never reduce coverage to reduce premium. In too many instances, someone sacrificed liability coverage limits and discovered at claim time that their decision to reduce coverage ended up costing them more. The aim is to get the best coverage possible at the best cost, but don’t skip important coverages to save money.

Much more information about car insurance in Illinois can be found on the following sites: