Auto Insurance Quotes for a Ford Fusion Hybrid in Seattle

How many times have you said it’s time to compare more affordable Ford Fusion Hybrid insurance in Seattle? Scraping up a payment for high-priced Ford Fusion Hybrid insurance in Seattle can bottom out your personal savings, especially in this economy. Comparing cost estimates is free, only takes a few minutes, and is a good way to make sure you’re not throwing money away.

A study showed that the vast majority of consumers have purchased from the same company for a minimum of four years, and just under half have never even shopped around for cheap coverage. Washington drivers can save hundreds of dollars each year by just shopping around, but most tend to underestimate the amount of savings they would get if they switched to a more affordable policy. You have so many car insurance companies to buy insurance from, and although it’s a good thing to have multiple companies, having more insurance companies makes it harder to find the best rates for your vehicles.

The quickest way to compare rates for Ford Fusion Hybrid insurance in Seattle takes advantage of the fact auto insurance companies pay for the opportunity to give you rate quotes. The only thing you need to do is provide the companies a bit of rating information like whether or not you need a SR-22, whether your vehicle is owned or leased, how you use your vehicles, and how many miles driven. Your rating data is automatically sent to insurance carriers in your area and you should receive rate quotes almost instantly.

To start a quote now, click here then complete the form.

The car insurance companies shown below can provide free rate quotes in Washington. If multiple companies are listed, we suggest you visit two to three different companies in order to get a fair rate comparison.

Table data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Washington minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Prices do not factor in zip code location which can affect premium rates considerably.

Deductible comparison

The illustration below demonstrates how choosing different deductibles and can raise or lower Ford Fusion Hybrid insurance costs for each age group. The rates are based on a married female driver, full coverage, and no discounts are applied to the premium.

Comparison of car insurance rates by gender and age in Seattle

The example below shows the difference between Ford Fusion Hybrid car insurance rates for male and female drivers. The prices are based on no violations or accidents, comp and collision included, $100 deductibles, drivers are single, and no discounts are applied.

Where to set your deductibles

One of the hardest decisions when shopping for car insurance is how low should you set your deductibles. The comparisons below can help you understand the rate differences when you buy lower versus higher physical damage coverage deductibles. The first rate comparisons uses a $250 deductible for comprehensive and collision coverage and the second data table uses a $500 deductible.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Table data does not factor in vehicle location which can decrease or increase insurance rates greatly.

We can estimate from the data above that using a $250 deductible will cost in the ballpark of $15 more each month or $180 annually than requesting the higher $500 deductible. Due to the fact that you would have to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you usually have at least 17 months between claim filings, you would save money if you decide on a higher deductible.

An important thing to remember is that a higher deductible level means you will have to pay more when you have a comprehensive or collision claim. That will require some extra savings in order to pay the higher deductible.

When to get professional advice

When it comes to a policy for your vehicles, there is no “perfect” insurance plan. Your financial needs are unique.

Here are some questions about coverages that can help discover if you would benefit from professional advice.

• Are my custom wheels covered?
• What companies insure drivers after a DUI or DWI?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Am I covered when driving on a suspended license?
• Does insurance cover tools stolen from my truck?
• What is glass protection for?
• How can I get the company to pay a claim?

If you’re not sure about those questions then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and may give you better protection.

Auto insurance agents near you

A lot of people just prefer to get advice from a local agent and doing so can bring peace of mind Good agents can help you build your policy and help you file claims. A nice benefit of comparing insurance prices online is the fact that drivers can get lower rates and also buy local.

Once you complete this form (opens in new window), the coverage information is submitted to participating agents in Seattle who want to provide quotes for your business. You won’t even need to find an agent because quoted prices will be sent instantly to you. If you need to get a comparison quote for a specific company, you just need to visit that company’s website and submit a quote form there.

Finding a good provider requires more thought than just the quoted price. Before buying a policy in Seattle, get answers to these questions.

• Has the agent ever had any license suspensions?
• Can glass repairs be made at your home?
• How many years have they been established?
• Do they regularly work with personal auto policies in Seattle?
• Which companies do they recommend if they are an independent agency?
• Will they take your side in the event of a claim?
• If you have an accident, will your rates go up?
• Do the companies they represent have a solid financial rating?

The difference between Seattle car insurance agents

If you want a local Seattle insurance agency, there are two different agency structures and how they differ in how they can insure your vehicles. Agencies in Seattle can be categorized as either independent (non-exclusive) or exclusive. Both can sell affordable insurance policies, but it’s good to learn the subtle differences since it could factor into which type of agent you select.

Exclusive Insurance Agents

Exclusive agents can usually just insure with one company like Farmers Insurance, American Family, State Farm and Allstate. Exclusive agents cannot provide other company’s prices so you might not find the best rates. Exclusive agencies are very knowledgeable in insurance sales which can be an advantage.

Shown below is a list of exclusive insurance agencies in Seattle that can give you comparison quotes.

More Seattle agents

Independent Insurance Agents

Agents that elect to be independent are not required to write business for one company and that gives them the ability to insure with any number of different companies and possibly get better coverage at lower prices. If you are not satisfied with one company, they simply move the coverage in-house and the insured can keep the same agent. When comparing rate quotes, you absolutely need to include price quotes from a few independent agents to maximize your price options.

Shown below is a short list of independent insurance agencies in Seattle that can give you price quotes.

More Seattle agents