How to Save on Ford Fusion Insurance in Honolulu

Unimaginable but true, the vast majority of drivers have purchased from the same company for at least the last four years, and almost 40% of drivers have never quoted auto insurance rates at all. Many drivers in Hawaii could cut their rates by up to $360 a year by just shopping around, but they just don’t understand the large savings they would see if they replace their high priced policy.

Insurance for Ford FusionIf saving the most money is your goal, then the best way to get budget auto insurance rates is to annually compare prices from different companies that insure vehicles in Honolulu.

  1. It will benefit you to learn about car insurance and the factors you can control to drop your rates. Many things that increase rates such as accidents, traffic violations, and a low credit score can be rectified by paying attention to minor details.
  2. Compare price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only quote rates from a single company like Progressive or Allstate, while independent agencies can quote rates from many different companies.
  3. Compare the new rates to your existing coverage to see if a cheaper rate is available in Honolulu. If you can save some money and buy the policy, make sure coverage does not lapse between policies.
  4. Give notification to your agent or company of your intent to cancel the current policy and submit a down payment along with a completed application to the new insurer. Once coverage is bound, keep the new proof of insurance certificate in an easily accessible location.

One piece of advice is to compare identical deductibles and limits on each price quote and and to get rates from as many companies as feasibly possible. Doing this guarantees the most accurate price comparison and maximum price selection.

Smart Choices Result in Lower Insurance Rates

Many factors are part of the calculation when you get your auto insurance bill. Some are pretty understandable like an MVR report, although some other factors are less apparent like your vehicle usage or how financially stable you are. A large part of saving on insurance is knowing the rating factors that aid in calculating the rates you pay for insurance. If you have some idea of what positively or negatively impacts your premiums, this enables informed choices that could help you find better insurance rates.

The following companies provide price quotes in Honolulu, HI. If multiple companies are shown, it’s a good idea that you visit two to three different companies to get the most competitive price.

Ford Fusion insurance statistics and information

The price information shown below covers a range of policy rates for Ford Fusion models. Having knowledge of how auto insurance policy rates are established is important for you to make smart choices when comparing insurance rates.

Ford Fusion Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $152 $256 $272 $16 $82 $778 $65
Fusion SE 4-Dr Sedan $170 $302 $272 $16 $82 $842 $70
Fusion Hybrid 4-Dr Sedan $170 $346 $340 $20 $102 $978 $82
Fusion SEL 4-Dr Sedan $170 $302 $272 $16 $82 $842 $70
Fusion Sport 4-Dr Sedan $170 $302 $272 $16 $82 $842 $70
Fusion SEL AWD 4-Dr Sedan $190 $346 $272 $16 $82 $906 $76
Fusion Sport AWD 4-Dr Sedan $190 $346 $272 $16 $82 $906 $76
Get Your Own Custom Quote Go

Data rating is based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Rate information does not factor in your specific Honolulu location which can modify rates noticeably.

Safe drivers Honolulu pay cheaper rates

The example below demonstrates how traffic citations and accident claims can increase Ford Fusion yearly insurance costs for different age groups. The data assumes a single male driver, full coverage, $100 deductibles, and no other discounts are factored in.

Full coverage versus liability-only in Honolulu

The information below shows the comparison of Ford Fusion car insurance rates with and without physical damage coverage. The data assumes no claims or driving citations, $1,000 deductibles, single marital status, and no other discounts are factored in.

When to stop paying for full coverage

There is no definitive rule to eliminate comp and collision coverage, but there is a guideline you can use. If the yearly cost of full coverage is more than 10% of the replacement cost minus the deductible, then you might want to consider buying only liability coverage.

For example, let’s assume your Ford Fusion settlement value is $7,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most your company will settle for is $6,000 after the deductible is paid. If you are paying more than $600 a year for your policy with full coverage, then it might be time to consider dropping full coverage.

There are some conditions where buying only liability insurance is not advised. If you haven’t paid off your loan, you have to maintain full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should not consider dropping full coverage.

Insurance is not optional in Hawaii

Even though Honolulu Fusion insurance rates can get expensive, buying insurance is mandatory in Hawaii but it also protects more than you think.

The benefits of carrying adequate insurance are definitely more than the cost, especially if you ever need it. According to a recent study, the average American driver overpays more than $800 each year so it’s important to compare rates once a year at a minimum to make sure the price is not too high.

Score discounts on Honolulu car insurance

Some companies don’t always publicize every possible discount in a way that’s easy to find, so we took the time to find both the well known and also the lesser-known discounts that may be available.Save money with discounts

Keep in mind that most credits do not apply to the overall cost of the policy. Some only reduce specific coverage prices like medical payments or collision. Just because you may think you could get a free car insurance policy, companies don’t profit that way.

The information below shows the comparison of Ford Fusion insurance rates with and without discounts applied to the rates. The prices are based on a male driver, no claims, a clean driving record, Hawaii state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, multi-policy, marriage, multi-car, and claim-free discounts applied.

Some companies that have these money-saving discounts include:

When getting free Honolulu auto insurance quotes, it’s a good idea to each insurance company which credits you are entitled to. Discounts might not be available to policyholders in Honolulu.

Local insurance agents

Many people prefer to visit with an insurance agent and that is just fine! Most agents can help you build your policy and help in the event of a claim. The biggest benefit of comparing rate quotes online is you may find better rates and still have a local agent. Buying from local insurance agencies is important particularly in Honolulu.

By using this form (opens in new window), the coverage information is immediately sent to companies in Honolulu who will give you quotes for your insurance coverage. You won’t even need to contact an agency due to the fact that quote results will go to you instantly. If you want to quote rates from a specific insurance company, you can always jump over to their website to submit a rate quote request.

Picking an insurance company requires more thought than just a cheap price quote. Get answers to these questions too.

When do I need an agent’s advice?

Always remember that when buying a policy for your vehicles, there really is not a cookie cutter policy. Your situation is unique and a cookie cutter policy won’t apply.Auto insurance savings
For instance, these questions might point out if your insurance needs might need professional guidance.

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.

What is YOUR best insurance company?

In this article, we covered many ways to compare Ford Fusion insurance car insurance rates in Honolulu. It’s most important to understand that the more price quotes you have, the more likely it is that you will get a better rate. You may even find the lowest car insurance rates are with a small mutual company. Regional companies can often provide lower premium rates in certain areas as compared to the big name companies such as Allstate and Progressive.

As you prepare to switch companies, it’s very important that you do not skimp on coverage in order to save money. There are too many instances where drivers have reduced collision coverage only to find out that the few dollars in savings costed them thousands. The aim is to find the BEST coverage at the best cost, but do not skimp to save money.

Additional detailed information can be found in these articles: