Truthfully, the best way to find affordable car insurance rates is to do a yearly price comparison from different companies that insure vehicles in Cleveland.
- Step 1: Read about the coverage provided by your policy and the things you can control to keep rates in check. Many factors that cause high rates such as traffic tickets, fender benders, and poor credit history can be rectified by paying attention to minor details. Continue reading for instructions to help prevent expensive coverage and find hidden discounts.
- Step 2: Compare price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only quote rates from a single company like Progressive or State Farm, while independent agencies can give you price quotes for a wide range of insurance providers. Compare rates
- Step 3: Compare the quotes to your current policy and see if there is a cheaper rate. If you find a lower rate quote, make sure there is no lapse between the expiration of your current policy and the new one.
- Step 4: Tell your current company to cancel your current policy and submit any necessary down payment along with the completed application for your new policy. Once the application is submitted, put the new certificate verifying coverage above your visor, in the console, or in the glove compartment.
A key point to remember is to make sure you’re comparing similar coverage information on each price quote and and to get price quotes from as many different insurance providers as possible. Doing this helps ensure an accurate price comparison and plenty of rates choose from.
Shockingly, most insurance policyholders renewed their policy with the same company for over three years, and about 40% of consumers have never compared quotes from other companies. Consumers in Ohio could save as much as $700 every year just by getting comparison quotes, but most just don’t grasp how much they could save if they switched to a cheaper policy.
The best way to compare car insurance rates for Ford Fusion Hybrid insurance in Cleveland is to know the trick most insurance companies allow for online access to compare their rates. The only thing you need to do is provide information like marital status, driver details, any included safety features, and how many miles driven. The data gets transmitted to insurance companies and you should receive rate quotes quickly.
To compare affordable Ford Fusion Hybrid insurance rates now, click here and enter your zip code.
The following companies are our best choices to provide price comparisons in Cleveland, OH. If you want the best cheap car insurance in Ohio, we suggest you visit two to three different companies to get the most affordable price.
Slash your auto insurance rates with these six discounts
Auto insurance can be pricey, but you may find discounts that could help you make your next renewal payment. Certain credits will be shown when you quote, but a few need to be asked about in order for you to get them.
- Accident Waiver – This one is not really a discount per se, but some insurance companies will forgive one accident without the usual rate increase with the catch being you have to be claim-free before the accident.
- Low Miles Discount – Driving fewer miles may allow you to get lower prices on the low mileage vehicles.
- Driver’s Ed – Have your child participate in a local driver’s education class as it will make them better drivers and lower rates.
- Discount for Life Insurance – Not all insurance carriers offer life insurance, but some may give you a lower premium rate if you buy life insurance.
- Pay Now and Pay Less – If you can afford to pay the entire bill rather than paying monthly you can avoid the installment charge.
- Save with a New Car – Adding a new car to your policy may earn a small discount because new vehicles keep occupants safer.
Just know that most of the big mark downs will not be given to the overall cost of the policy. Some only reduce the cost of specific coverages such as collision or personal injury protection. Just because it seems like having all the discounts means you get insurance for free, you won’t be that lucky.
The diagram below compares Ford Fusion Hybrid annual premium costs with and without policy discounts. The rate quotes are based on a male driver, no accidents or driving violations, Ohio state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, multi-policy, homeowner, marriage, and claim-free discounts applied.
A list of auto insurance companies and some of the premium reductions they offer are:
- State Farm may offer discounts for driver’s education, good driver, accident-free, passive restraint, Drive Safe & Save, safe vehicle, and anti-theft.
- Progressive policyholders can earn discounts including online quote discount, homeowner, multi-vehicle, good student, and online signing.
- Travelers has savings for new car, driver training, payment discounts, multi-car, continuous insurance, save driver, and hybrid/electric vehicle.
- American Family offers premium reductions for multi-vehicle, bundled insurance, Steer into Savings, good student, and good driver.
- Liberty Mutual offers discounts including newly retired, good student, new graduate, teen driver discount, and hybrid vehicle.
Check with every prospective company what discounts are available to you. Some discounts may not be offered in Cleveland.
Data for Ford Fusion Hybrid insurance
The premium table shown next outlines estimates of rate quotes for Ford Fusion Hybrid models. Being more informed about how prices are formulated is important for you to make informed decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion Hybrid 4-Dr Sedan | $126 | $274 | $272 | $16 | $82 | $770 | $64 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Information does not factor in vehicle garaging location which can influence price quotes greatly.
Deductible comparison
The hardest decision when buying coverage is where to set your physical damage deductibles. The data tables below approximate the price difference between high and low insurance deductibles. The first pricing table uses a $100 deductible for comp and collision and the second price chart 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 | |||||||
Table 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-vehicle, multi-policy, and claim-free. Price information does not factor in the specific area where the vehicle is garaged which can affect price quotes substantially.
We can estimate from the data above that using a $100 deductible could cost the average driver approximately $20 more each month or $240 annually than buying the higher $500 deductible. Since you would pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you normally go at least 20 months between claims, you would probably come out ahead if you choose the higher deductible.
The chart below illustrates how your deductible choice and can impact Ford Fusion Hybrid premium costs for different age groups. The data is based on a married male driver, comp and collision included, and no policy discounts are applied.
Careless driving habits raise auto insurance rates
The chart below shows how violations and accidents influence Ford Fusion Hybrid yearly insurance costs for each different age category. The rates are based on a single male driver, comp and collision included, $500 deductibles, and no discounts are factored in.
Insurance agent or online?
Some people would prefer to visit with an insurance agent and that is OK! Professional insurance agents can answer important questions and help file insurance claims. The best thing about price shopping on the web is that you can find the lowest rates and still choose a local agent. Buying from neighborhood insurance agencies is still important in Cleveland.
After completing this simple form, the quote information gets sent to insurance agents in Cleveland who will give you quotes to get your business. You won’t even need to contact any insurance agencies due to the fact that quote results will go immediately to you. If you wish to get a comparison quote from one company in particular, you just need to navigate to their website and submit a quote form there.
If you prefer to buy insurance from an insurance agent, there are a couple of different agency structures and how they function. Agencies in Cleveland are either independent or exclusive depending on the company they work for. Both types can sell and service insurance coverage, but it is a good idea to know why they differ since it can impact the selection process.
Independent Agents (or Brokers)
Agents that elect to be independent are not limited to a single company so as a result can place your coverage amongst many companies depending on which coverage is best. If they find a lower price, they simply move your policy to a different company which requires no work on your part.
If you are trying to find cheaper rates, you will want to include price quotes from at least one independent agent so that you can do a thorough price comparison. Many independent agencies also insure through smaller companies that many times have cheaper rates.
Below are Cleveland independent agents that can possibly get you comparison quotes.
- Furlong and Co Insurance Agency Inc
569 E 185th St – Cleveland, OH 44119 – (216) 486-4170 – View Map - Independent Insurance Agency of Ohio
2310 Superior Ave #215 – Cleveland, OH 44114 – (216) 472-8000 – View Map - Nationwide Insurance: Hec Wyatt Hixson
15705 Lorain Ave – Cleveland, OH 44111 – (216) 941-4400 – View Map
Exclusive Agents
Agents that choose to be exclusive normally can only provide a single company’s rates and some examples include Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agents cannot compare rates from other companies so keep that in mind. Exclusive insurance agents are usually well trained in insurance sales which helps them sell insurance even at higher premiums. Many people buy from exclusive agents mainly due to the brand name rather than low price.
Listed below are exclusive agencies in Cleveland who can help you get rate quotes.
- Jinisha Patel – State Farm Insurance Agent
4342 Ridge Rd – Brooklyn, OH 44144 – (216) 741-6100 – View Map - Farmers Insurance – Earl Soroka
1621 Euclid Ave #408 – Cleveland, OH 44115 – (216) 452-0885 – View Map - State Farm: Betsy Warner
2491 Lee Blvd – Cleveland Heights, OH 44118 – (216) 932-6900 – View Map
Choosing the best insurance agency should include more criteria than just the premium amount. Get answers to these questions too.
- Which insurance company do they prefer to write with?
- When do they do policy reviews?
- Will the quote change when the policy is issued?
- Is the agent and/or agency licensed to do business in Ohio?
- Do they have a Better Business Bureau rating in Cleveland?
- Does the agent recommend any additional coverage?
- Can you contact them at any time?
- Where are claims handled?
If you feel you receive positive responses to all your questions and inexpensive Ford Fusion Hybrid insurance in Cleveland quotes, chances are good that you have found an auto insurance agent that is reputable and can properly insure your vehicles.
It may be expensive, but it’s not optional
Even though it’s not necessarily cheap to insure a Ford in Cleveland, insuring your vehicle is a good idea for several reasons.
First, most states have minimum liability requirements which means you are required to carry specific minimum amounts of liability insurance coverage if you drive a vehicle. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if your vehicle has a loan, almost every bank will have a requirement that you buy full coverage to guarantee loan repayment. If you default on your policy, the lender may insure your Ford at a much higher rate and force you to pay for the much more expensive policy.
Third, auto insurance preserves both your assets and your car. It will also pay for many types of medical costs for you, any passengers, and anyone injured in an accident. One policy coverage, liability insurance, also pays expenses related to your legal defense if you are sued as the result of your driving. If your Ford gets damaged, your policy will pay to repair the damage.
The benefits of having insurance greatly outweigh the cost, particularly if you ever have a claim. The average driver in America is overpaying more than $830 a year so we recommend shopping around at least once a year to ensure rates are competitive.
What auto insurance coverages do you need?
Understanding the coverages of auto insurance helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and reading a policy is terribly boring.
Coverage for liability – Liability insurance can cover damage or injury you incur to other people or property in an accident. It protects YOU against claims from other people. It does not cover your injuries or vehicle damage.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.
Liability can pay for things like medical services, court costs, legal defense fees and emergency aid. How much coverage you buy is your choice, but buy higher limits if possible. Ohio requires drivers to carry at least 25/50/25 but you should consider buying more liability than the minimum.
The illustration below demonstrates why buying low liability limits may not be enough.
Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP pay for expenses such as funeral costs, hospital visits, prosthetic devices and surgery. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage
Collision coverage – Collision insurance pays for damage to your Fusion Hybrid from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.
Collision insurance covers claims like crashing into a ditch, driving through your garage door and hitting a parking meter. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also raise the deductible on your Fusion Hybrid to save money on collision insurance.
Comprehensive insurance – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.
Comprehensive insurance covers claims such as a broken windshield, vandalism and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Uninsured/Underinsured Motorist (UM/UIM) – This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.
Because many people have only the minimum liability required by law (Ohio limits are 25/50/25), their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently the UM/UIM limits are similar to your liability insurance amounts.
Persistent drivers can save
As you go through the steps to switch your coverage, it’s very important that you do not reduce coverage to reduce premium. There have been many situations where someone dropped physical damage coverage only to find out that the savings was not a smart move. The goal is to buy the best coverage you can find for the lowest cost but still have enough coverage for asset protection.
Insureds who switch companies do it for any number of reasons including delays in paying claims, poor customer service, not issuing a premium refund and delays in responding to claim requests. Regardless of your reason, switching auto insurance companies can be less work than you think.
The cheapest Ford Fusion Hybrid insurance in Cleveland can be purchased on the web and from local agencies, and you need to comparison shop both to have the best selection. Some insurance companies may not have rate quotes online and many times these small, regional companies work with independent agencies.
More tips and info about auto insurance can be read in these articles:
- Protect Yourself Against Auto Theft (Insurance Information Institute)
- Who Has Affordable Car Insurance Quotes for High Risk Drivers in Cleveland? (FAQ)
- Who Has the Cheapest Car Insurance for Postal Workers in Cleveland? (FAQ)
- How Much is Auto Insurance for State Employees in Cleveland? (FAQ)
- How to shop for a safer car (Insurance Institute for Highway Safety)
- Steps to Take After an Auto Accident (Insurance Information Institute)
- Parking Tips to Reduce Door Dings (State Farm)