How long have you put off shopping around for the cheapest Ford Fusion Hybrid insurance in Cincinnati? If you’re shopping for cheaper insurance on the web, are you intimidated by the dozens of auto insurance choices in Cincinnati? Many other drivers are too. There are so many choices that it can quickly become a real challenge to find the lowest price for Ford Fusion Hybrid insurance in Cincinnati. If you’ve ever been there, you know that Cincinnati is a good city to live in, but high auto insurance rates can make it very difficult to afford proper coverage amounts.
Steps to quoting cheaper Ford Fusion Hybrid insurance in Cincinnati
The easiest way to find low-cost prices for Ford Fusion Hybrid insurance in Cincinnati is to do a yearly price comparison from insurers in Ohio. Drivers can shop around by following these guidelines.
First, take a little time to learn about how auto insurance works and the changes you can make to prevent high rates. Many things that cause high rates like inattentive driving and a not-so-good credit rating can be rectified by making minor driving habit or lifestyle changes. Read the full article for the details to find cheap prices and get bigger discounts that may have been overlooked.
Second, quote rates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can give quotes from one company like GEICO or Farmers Insurance, while independent agencies can provide prices for a wide range of insurance providers.
Third, compare the new rate quotes to your current policy and see if there is a cheaper rate. If you find better rates, make sure coverage does not lapse between policies.
Fourth, provide adequate notice to your current company of your intention to cancel your current auto insurance policy and submit a completed application and payment for your new policy. Don’t forget to place your new certificate of insurance with your registration paperwork.
The most important part of shopping around is that you’ll want to make sure you compare similar coverage information on every quote request and and to compare as many different companies as possible. This helps ensure the most accurate price comparison and a complete rate analysis.
Unthinkable but true, nearly 70% of consumers have bought auto insurance from the same company for at least the last four years, and almost half have never even shopped around for lower-cost coverage. Consumers in Ohio could save 55% every year by just comparing quotes, but they won’t spend time to compare rates online.
Low Cost Ford insurance rates in Cincinnati
The companies shown below provide free rate quotes in Ohio. If you want cheaper car insurance in Cincinnati, we suggest you compare several of them to get a more complete price comparison.
Premium rates and analysis
The premium table displayed next showcases a range of insurance coverage prices for Ford Fusion Hybrid models. Being more informed about how car insurance prices are formulated helps drivers make smart choices when selecting a coverage provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion Hybrid 4-Dr Sedan | $120 | $290 | $344 | $20 | $102 | $876 | $73 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Table data does not factor in specific location which can change coverage rates noticeably.
An analysis of deductible level
One of the more difficult decisions when buying auto insurance is what deductibles to buy. The comparison tables below can help show the premium difference of buying low and high insurance deductibles. The first data table uses a $100 deductible and the second set of prices uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion Hybrid 4-Dr Sedan | $220 | $478 | $284 | $16 | $84 | $1,107 | $92 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion Hybrid 4-Dr Sedan | $160 | $324 | $284 | $16 | $84 | $868 | $72 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Rate information does not factor in garaging location in Cincinnati which can affect price quotes greatly.
Using the premium rates above, we can conclude that using a $100 deductible would cost the average driver about $20 more each month or $240 for a full year across all Ford Fusion Hybrid models than buying the higher $500 deductible. Since you would pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you normally go at a minimum 20 months between claims, you would come out ahead if you choose a higher deductible.
The illustration below shows how different deductible levels and can influence Ford Fusion Hybrid insurance costs for different insured age categories. The costs are based on a married male driver, comp and collision included, and no discounts are applied.
Cost of full coverage
The diagram below shows the comparison of Ford Fusion Hybrid insurance rates when comparing full coverage to liability only. The premiums are based on no claims or driving violations, $1,000 deductibles, marital status is single, and no other discounts are factored in.
When to stop buying comprehensive and collision coverage
There is no definitive guideline for phasing out full coverage on your policy, but there is a general guideline. If the annual cost of comprehensive and collision coverage is more than about 10% of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.
For example, let’s pretend your Ford Fusion Hybrid replacement cost is $6,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most you would receive is $5,000 after the policy deductible has been paid. If you are paying more than $500 annually for comprehensive and collision coverage, then you might consider buying liability only.
There are a few situations where buying only liability insurance is not financially feasible. If you still owe money on your vehicle, you are required to maintain full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should maintain full coverage.
You may qualify for discounts for Ford Fusion Hybrid insurance in Cincinnati
Some providers don’t always publicize the entire discount list in an easy-to-find place, so below is a list some of the best known as well as some of the hidden credits that you can use to lower your rates.
- Auto/Life Discount – If the company offers life insurance, you could get better prices if you take out a life policy as well.
- Sign Online – Many companies provide a small discount just for signing your application digitally online.
- Drivers Education – Reduce the cost of insurance for teen drivers by having them enroll in driver’s education in high school.
- Driver Safety – Passing a course that instructs on driving safety could possibly earn you a 5% discount and make you a better driver.
- Early Switch Discount – Select companies give a discount for buying a new policy before your current Fusion Hybrid insurance policy expires. The savings is around 10%.
- Good Grades Discount – This discount can get you a discount of up to 25%. You can use this discount normally well after school through age 25.
- Payment Discounts – By making one initial payment instead of monthly or quarterly installments you can actually save on your bill.
As a disclaimer on discounts, some credits don’t apply to all coverage premiums. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like adding up those discounts means a free policy, companies wouldn’t make money that way.
The chart below shows the comparison of Ford Fusion Hybrid premium costs with and without discounts applied to the policy premium. The premium estimates are based on a female driver, no violations or accidents, Ohio state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, homeowner, marriage, multi-policy, and multi-car discounts applied.
If you would like to choose from a list of companies with the best Ford Fusion Hybrid insurance discounts in Cincinnati in Cincinnati, click here to view.
Different people need different car insurance coverages
When choosing the right insurance coverage, there really is no perfect coverage plan. Everyone’s situation is unique.
These are some specific questions may help you determine if your situation might need an agent’s assistance.
- How does medical payments coverage work?
- How can I force my company to pay a claim?
- When should I remove comp and collision on my Ford Fusion Hybrid?
- Do I have newly-acquired coverage?
- How do I insure my teen driver?
- Is my Ford Fusion Hybrid covered for smoke damage?
If it’s difficult to answer those questions then you might want to talk to a licensed agent. To find an agent in your area, take a second and complete this form.
Compare rates but work with a local Cincinnati insurance agency
Many people would prefer to get advice from a local agent and that is recommended in a lot of cases One of the best bonuses of price shopping on the web is you may find the lowest rates but also keep your business local. And buying from local insurance agents is definitely important in Cincinnati.
Upon completion of this form (opens in new window), your insurance coverage information is submitted to participating agents in Cincinnati that provide free Cincinnati auto insurance quotes for your coverage. You won’t need to even leave your home because quoted prices will be sent instantly to you. You can most likely find cheaper rates AND an agent nearby. In the event you want to get a comparison quote from a specific company, don’t hesitate to search and find their rate quote page and fill out their quote form.
If you want to buy car insurance from a reliable insurance agency, it’s helpful to know the types of insurance agents and how they operate. Cincinnati agents are categorized either exclusive or independent agents depending on their company appointments.
Independent Car Insurance Agencies or Brokers
Agents that choose to be independent are normally appointed by many insurers so they can quote policies with any number of different companies and possibly get better coverage at lower prices. If you want to switch companies, they simply switch companies in-house which makes it simple for you. If you need lower rates, we recommend you get quotes from several independent insurance agents to maximize your price options. Many independent agencies also insure through companies that do not advertise much that may have much lower rates than larger companies.
Below is a small list of independent insurance agencies in Cincinnati that may be able to give you price quotes.
- Kinker-Eveleigh Insurance Agency
7750 Montgomery Rd – Cincinnati, OH 45236 – (513) 891-6615 – View Map - Zimmer Insurance Agency
2148 Gilbert Ave – Cincinnati, OH 45206 – (513) 381-1919 – View Map - Iori Insurance Agency
3310 Westbourne Dr – Cincinnati, OH 45248 – (513) 661-2445 – View Map
Exclusive Car Insurance Agencies
Agents that choose to be exclusive can usually just insure with one company and some examples include State Farm, Allstate, or Farmers Insurance. These agents are unable to shop your coverage around so you need to shop around if the rates are high. Exclusive insurance agents are usually well trained on the products they sell and that can be a competitive advantage. Some consumers prefer to purchase coverage from exclusives primarily because of high brand loyalty rather than having low rates.
Below is a list of exclusive agencies in Cincinnati that can give you rate quotes.
- Eric Geiger – State Farm Insurance Agent
6900 Miami Ave – Cincinnati, OH 45243 – (513) 574-0321 – View Map - Dianne Michael – Allstate Insurance Agent
5062 Delhi Ave – Cincinnati, OH 45238 – (513) 451-8700 – View Map - Beth Wilker – State Farm Insurance Agent
8406 Winton Rd – Cincinnati, OH 45231 – (513) 521-0884 – View Map
Deciding on an insurance agent should include more criteria than just a cheap quote. These are some valid questions you should ask.
- Is the agency active in community causes in Cincinnati?
- Are there any discounts for paying up front?
- Is auto insurance their primary focus in Cincinnati?
- If you are a high risk driver, do they have special markets for your coverage?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Do they write coverage based solely on cost?
- Is insurance their full-time profession?
Car insurance coverage basics
Having a good grasp of car insurance can help you determine the best coverages for your vehicles. Car insurance terms can be confusing and even agents have difficulty translating policy wording.
Collision coverage – This coverage pays to fix your vehicle from damage resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder.
Collision insurance covers claims like hitting a mailbox, backing into a parked car, sideswiping another vehicle and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to increase the deductible on your Fusion Hybrid to save money on collision insurance.
Medical payments and PIP coverage – Med pay and PIP coverage provide coverage for expenses such as ambulance fees, hospital visits, surgery and rehabilitation expenses. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers you and your occupants and will also cover any family member struck as a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage
UM/UIM (Uninsured/Underinsured Motorist) coverage – This provides protection when other motorists are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants as well as damage to your Ford Fusion Hybrid.
Because many people only carry the minimum required liability limits (25/50/25), it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Normally these coverages do not exceed the liability coverage limits.
Comprehensive auto coverage – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for claims such as fire damage, theft and hail damage. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Liability coverages – This coverage protects you from damage that occurs to other people or property. It protects you against claims from other people. It does not cover your own vehicle damage or injuries.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.
Liability coverage protects against things like bail bonds, medical expenses, attorney fees, pain and suffering and emergency aid. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford. Ohio state law requires minimum liability limits of 25/50/25 but you should consider buying more liability than the minimum.
The illustration below shows why the minimum limit may not be adequate coverage.
Shop smart and save
We just covered quite a bit of information on how to compare Ford Fusion Hybrid insurance rates in Cincinnati. The key thing to remember is the more times you quote, the higher your chance of finding the cheapest Ford Fusion Hybrid rate quotes. Consumers could even find that the lowest rates come from a small mutual company.
Drivers switch companies for many reasons like unfair underwriting practices, policy cancellation, high prices and being labeled a high risk driver. Regardless of your reason for switching companies, switching companies is pretty simple and you could end up saving a buck or two.
Cheap Ford Fusion Hybrid insurance in Cincinnati is definitely available from both online companies and from local insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some insurance providers may not provide online rate quotes and these small, regional companies prefer to sell through independent agents.
Steps to buying affordable Ford Fusion Hybrid insurance in Cincinnati
To save the most money, the best way to find low-cost prices for Ford Fusion Hybrid insurance is to start comparing prices yearly from insurance carriers in Cincinnati.
- Gain an understanding of the coverage provided by your policy and the changes you can make to keep rates down. Many rating criteria that increase rates such as high-risk driving behaviors and a less-than-favorable credit rating can be controlled by being financially responsible and driving safely.
- Request rate estimates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give rate quotes from a single company like GEICO and State Farm, while independent agents can provide rate quotes from many different companies.
- Compare the new rate quotes to your existing policy to see if a cheaper price is available in Cincinnati. If you can save some money and change companies, ensure there is no coverage lapse between policies.
A good tip to remember is to use identical coverage information on every quote request and and to get price estimates from as many car insurance companies as possible. Doing this guarantees a fair rate comparison and plenty of rates choose from.
More learning opportunities
- Teen Driving and Texting (State Farm)
- What Auto Insurance is Cheapest for Drivers Under 21 in Cincinnati? (FAQ)
- How Much are Auto Insurance Quotes for Low Credit Scores in Cincinnati? (FAQ)
- How Much is Auto Insurance for Handicapped Drivers in Cincinnati? (FAQ)
- How Much are Cincinnati Car Insurance Rates for Business Use? (FAQ)
- What is a Telematics Device? (Allstate)
- Parking Tips to Reduce Door Dings (State Farm)
- What is Full Coverage? (Allstate)
- Safety Belts FAQ (iihs.org)