Find Cheaper Ford Fusion Hybrid Insurance in Scottsdale

Insurance rates Ford Fusion Hybrid in ScottsdaleHow long has it been since you compared cheaper Ford Fusion Hybrid insurance in Scottsdale? Nobody that owns a car loves paying for auto insurance, especially when they know they could find better rates elsewhere.

Inconceivable but true, nearly 70% of customers have remained with the same auto insurance company for more than four years, and 38% of drivers have never compared rates to find cheaper insurance. Drivers in Arizona could pocket nearly $700 a year, but they don’t believe how much they could save if they changed companies.

How to save money on Ford Fusion Hybrid insurance in Scottsdale

The best way we recommend to find cheaper prices for car insurance rates is to make a habit of comparing prices annually from insurance carriers in Scottsdale.

One key aspect of rate comparisons is that you use similar deductibles and liability limits on each price quote and and to analyze as many carriers as you can. This provides an apples-to-apples comparison and a complete selection of prices.

There is such a variety of insurers to buy insurance from, and though it is a good thing to be able to choose, more choices can make it harder to adequately compare rates for Ford Fusion Hybrid insurance in Scottsdale.

Cheap Ford insurance rate quotes in Scottsdale

The companies in the list below offer quotes in Arizona. To get cheap car insurance in Arizona, it’s highly recommended you visit several of them to get the most affordable price.

Data for Ford Fusion Hybrid insurance

The rate information displayed below showcases a range of insurance policy prices for Ford Fusion Hybrid models. Being able to understand how insurance premiums are formulated helps drivers make smart choices when comparing insurance quotes.

Ford Fusion Hybrid Insurance Rates in Scottsdale, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion Hybrid 4-Dr Sedan $206 $418 $382 $22 $114 $1,142 $95
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Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Estimates do not factor in the specific area where the vehicle is garaged which can affect premium rates substantially.

Cautious Scottsdale drivers save money

The example below illustrates how speeding tickets and fender-benders raise Ford Fusion Hybrid auto insurance rates for each age group. The data assumes a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied.

Ford Fusion Hybrid annual premiums for males versus females

The illustration below shows the comparison of Ford Fusion Hybrid auto insurance rates for male and female drivers. The data is based on no claims, a clean driving record, full physical damage coverage, $250 deductibles, marital status is single, and no other discounts are factored in.

Difference between full coverage and liability only rates

The diagram below shows the difference between Ford Fusion Hybrid insurance prices with full physical damage coverage and with liability coverage only. The rate quotes are based on no claims or violations, $250 deductibles, single marital status, and no discounts are applied.

Should you buy full coverage or liability only?

There isn’t a written rule that works best for making the decision to drop full coverage on your policy, but there is a guideline you can consider. If the annual cost of your full coverage insurance is 10% or more of the settlement you would receive from your company, then you might want to consider buying only liability coverage.

For example, let’s pretend your Ford Fusion Hybrid settlement value is $7,000 and you have $1,000 deductibles. If your vehicle is severely damaged, you would only receive $6,000 after the policy deductible has been paid. If premium cost is more than $600 a year for your policy with full coverage, then it might be time to buy liability only.

There are some conditions where only buying liability is not in your best interest. If you still owe a portion of the original loan, you are required to maintain 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 totaled, you should not buy liability only.

Discounts for cheaper auto insurance rates

Insuring your vehicles can cost a lot, but you might find some hidden discounts that you may not know about. Some of these discounts will be visible when you complete an application, but some need to be requested specifically in order for you to get them.Discount auto insurance

You can save money using discounts, but most of the big mark downs will not be given to the whole policy. Some only reduce the cost of specific coverages such as liability, collision or medical payments. Just because it seems like all those discounts means the company will pay you, you won’t be that lucky.

The illustration below shows the comparison of Ford Fusion Hybrid insurance costs with and without discounts applied to the policy rates. The rates are based on a female driver, no accidents or driving violations, Arizona state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, homeowner, safe-driver, marriage, and multi-car discounts applied.

To find companies that have a full spectrum of discounts in Scottsdale, follow this link.

Cut Insurance Costs with These Tips

Multiple criteria are used in the calculation when pricing auto insurance. Most are fairly basic like a motor vehicle report, although some other factors are more obscure like where you live or your commute time. When buying auto insurance it’s important to understand the rating factors that go into determining your premiums. When you know what positively or negatively impacts premium levels, this enables you to make decisions that can earn you lower auto insurance prices.

Special considerations

When it comes to a policy, there really is not a “perfect” insurance plan. Your financial needs are unique.Higher deductibles save money

For example, these questions could help you determine if your situation might need professional guidance.

If you’re not sure about those questions, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form. It is quick, free and you can get the answers you need.

When should I get advice from an insurance agency?

Certain consumers still prefer to buy from a local agent and that can be a smart move Good insurance agents can point out coverage gaps and help you file claims. The biggest benefit of comparing rate quotes online is the fact that you can find better rates and still have an agent to talk to. And buying from small agencies is important particularly in Scottsdale.

Scottsdale insurance agentsTo help locate an agent, after submitting this short form, the coverage information gets sent to local insurance agents who can give free rate quotes for your business. You won’t even need to contact any insurance agencies since rate quotes are delivered directly to your email. If you want to get a rate quote for a specific company, feel free to search and find their rate quote page and give them your coverage information.

When finding local Scottsdale agents, you must know there are a couple different types of agencies that differ in how they can insure your vehicles. Insurance agencies in Scottsdale are considered either exclusive agents or independent agents. Both handle car insurance, but it’s worth learning the difference in how they write coverage because it can factor into buying decisions.

Independent Car Insurance Agencies

Agents that choose to be independent do not work for one specific company and that gives them the ability to insure with an assortment of companies and help determine which has the cheapest rates. To move your coverage to a new company, the business is moved internally and you don’t have to find a new agent.

When comparing car insurance rates, it’s recommended you contact several independent agencies for the best price selection.

Featured below is a small list of independent insurance agents in Scottsdale that can give you free car insurance rate quotes.

13802 N Scottsdale Rd #106Scottsdale, AZ 85254(480) 607-7537View Map

8700 E Pinnacle Peak Rd # 110Scottsdale, AZ 85255(480) 515-5223View Map

17470 N Pacesetter WayScottsdale, AZ 85255(480) 657-2800View Map

More Scottsdale agents

Exclusive Agencies

Exclusive agents are contracted to one company like AAA, Allstate, and State Farm. They are unable to compare other company’s rates so keep that in mind. Exclusive agents receive a lot of sales training on what they offer and that allows them to sell at a higher price point.

Listed below are Scottsdale exclusive agencies that are able to give price quote information.

Dennis Dowling – State Farm Insurance Agent
5310 E Shea Blvd #3Scottsdale, AZ 85254(602) 996-8811View Map

8170 N 86th Pl #105Scottsdale, AZ 85258(480) 398-1266View Map

10814 N Scottsdale RdScottsdale, AZ 85254(480) 905-1019View Map

More Scottsdale agents

Finding a good auto insurance agent needs to be determined by more than just a cheap price. Any agent in Scottsdale should be forthright in answering these questions:

After you get acceptable answers to your questions and a good coverage price, chances are good that you have found an auto insurance agent that can be trusted to service your policy.

Arizona auto insurance companies ranked

Buying coverage from the top company is hard considering how many companies provide coverage in Arizona. The ranking information in the next section could help you decide which auto insurers to look at comparing price quotes from.

Scottsdale, Arizona Auto Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Best Car Insurance Companies

Persistence will pay off

Discount Ford Fusion Hybrid insurance in Scottsdale is attainable on the web as well as from independent agents in Scottsdale, and you should be comparing both to have the best chance of lowering rates. Some insurance providers do not offer price quotes online and usually these regional carriers sell through independent insurance agencies.

In this article, we covered many ways to find affordable Ford Fusion Hybrid insurance in Scottsdale. The key concept to understand is the more companies you get premium rates for, the better chance you’ll have of finding the cheapest Ford Fusion Hybrid rate quotes. Drivers may even discover the best car insurance rates are with a small local company.

Insureds who switch companies do it for many reasons like poor customer service, not issuing a premium refund, being labeled a high risk driver and extreme rates for teen drivers. Whatever your reason, switching auto insurance companies can be easy and end up saving you some money.

Steps to finding low-cost Ford Fusion Hybrid insurance in Scottsdale

If saving the most money is your goal, then the best way to save money on Ford Fusion Hybrid insurance is to start comparing prices yearly from different companies that sell auto insurance in Scottsdale.

Step 1: Read and learn about what coverages are included in your policy and the measures you can take to keep rates low. Many rating factors that cause high rates such as careless driving and your credit history can be improved by making minor driving habit or lifestyle changes.

Step 2: Obtain price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give rate quotes from a single company like Progressive or Farmers Insurance, while independent agencies can give you price quotes for a wide range of insurance providers.

Step 3: Compare the quotes to your current policy premium to see if a cheaper price is available. If you find better rates and buy the policy, make sure coverage is continuous and does not lapse.

Step 4: Give proper notification to your current agent or company of your intent to cancel your current car insurance policy and submit a down payment along with a signed application for your new coverage. As soon as you can, keep your new proof of insurance certificate above your visor, in the console, or in the glove compartment.

An important part of this process is to use similar coverage information on every price quote and and to get rates from every company you can. Doing this guarantees a fair rate comparison and a complete price analysis.

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