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How much is car insurance for the Ford Fusion Hybrid?

The Ford Fusion Hybrid offers a successful combination of fuel-efficiency, midsize comfort and confident performance on the road. To find out what a Ford Fusion Hybrid costs to insure, simply type in your zip code above.

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Read on to get a better understanding of the Ford Fusion Hybrid’s features, safety equipment and insurance costs, as well as a sampling of the many outstanding reviews and accolades this sedan has received during its first two years of sales.

Mainstream Success for a Green Car

When the all-new 2010 Ford Fusion Hybrid arrived in 2009, it was an immediate success. With EPA estimates of 41 mpg city and 36 mpg highway, the Fusion Hybrid was praised as an excellent Green Car by the likes of Mother Earth News, HybridCARS, Kelly Blue Book and Consumer Reports. By late 2010, it surpassed the Honda Insight to become the second best selling gas-electric hybrid, outsold by only the Toyota Prius. Even more impressive is how the Ford Fusion Hybrid fares against mainstream competition: The 2010 and 2011 model years rank near the top in U.S. News & World Report’s Best Affordable Midsize Car category. The Fusion Hybrid was also named the 2010 North American Car of the Year at the Detroit Auto Show, and, along with its gas-only sibling lineup, the 2010 Motor Trend Car of the Year.

Equipped with front-wheel drive, regenerative braking, a continuously-variable transmission and a combined 191 horsepower, the Fusion Hybrid features Ford’s second-generation, full-hybrid system, whose electric motor runs independently for short distances before the 2.5-liter four cylinder gas engine kicks in. When the gas engine does engage, it has the least amount of noise and vibration of any hybrid available, according to reviewers. Upscale 2011 Fusion options such as leather, navigation and Ford’s SYNC infotainment system are all available on the Hybrid model. The starting price before options is $29,165.

Safety Design Features and Crash Testing Results

The Ford Fusion Hybrid addresses safety through a number of features, including anti-lock brakes, electronic stability control, tire pressure monitoring, seat belt pretensioners, a LATCH child safety seat system and a crash alert feature. In addition, the Fusion Hybrid has dual front airbags, front side airbags, a driver’s knee airbag, and side curtain airbags for the front and rear seats. Additional available safety options include a blind spot warning system, a rearview camera and rain-sensing wipers.

The National Highway Traffic Safety Administration tested the 2011 Ford Fusion Hybrid according to its newly-revised crash evaluation criteria, and awarded it four stars overall out of a possible five stars. Front impact was weakest at three stars, while side impact and rollover both rated four stars. According to the NHTSA’s older criteria, which are not directly comparable to its present crash evaluation standards, the 2010 Fusion Hybrid received five stars for front driver impact, front passenger impact and side driver impact. Four stars were awarded for side passenger impact and front-wheel drive rollover. These ratings are generally reassuring; however, expect that Ford will try to improve on the three-star front impact rating in future years, because optimal safety is an important selling point in the car industry.

The Insurance Institute for Highway Safety performed independent crash evaluations on the gas-only Ford Fusion, and awarded it a Top Safety Pick designation for 2011. U.S. News & World Report asserts that the same ratings ought to apply to the Fusion Hybrid because of strong similarities between the two models. In addition, 2010 Ford Fusion cars built after April of that year were named a 2010 Top Safety Pick. Prior model years of the gas-only Fusion earned strong crash evaluation ratings as well, indicating a consistent and reassuring record of safety design.

How much is car insurance for the Ford Fusion Hybrid?

There is a wide range in average predicted insurance costs for the Ford Fusion Hybrid, so it’s a good idea to be aware of the extremes before you begin shopping for your best rate. At the lower end, Edmunds.com predicts average insurance costs for the Fusion Hybrid of just under $1000 annually. At the other extreme is Motor Trend, with a predicted annual cost of $1556 on average. Other sources such as Yahoo, Kelly Blue Book and AOL all calculate insurance costs for the Fusion Hybrid between these two extremes.

Why such a discrepancy? One reason is probably a difference in opinion about the added cost of hybrid technology. The battery that powers the electric engine, like any expensive component, increases the average cost of repairs; this in part accounts for higher estimates such as Motor Trend’s. However, the Ford Fusion Hybrid also features extensive upscale features and technology that can add to average repair costs, as they would in any car. For those sources that cite a lower average insurance cost, they may emphasize the fact that the Fusion Hybrid is built on a mainstream sedan platform and has greater substance and visibility than smaller hybrids such as the Toyota Prius. Whatever the reasoning, it’s best to know as much as you can about potential price variables before you shop for car insurance.

Insurance industry averages don’t always reflect the quotes you can expect from various car insurance companies. Your annual mileage, age, gender, credit history, driving record and location are just some of the factors that can have a strong negative or positive effect on your premium. For example, some states have much lower average insurance premiums than the national average, while others can be almost double. In addition, teenage drivers or drivers with poor driving records can increase your premium hundreds of dollars a year, whereas a history of safe driving or purchasing multiple policies from one insurer can lower premiums noticeably.

To get a better idea of what it will cost you to insure a Ford Fusion Hybrid, enter your zip code now and begin shopping for the best car insurance rates available.

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