Houston Car Insurance 101: The Ford Fusion Hybrid is a Sturdy Investment

ford-fusion-hybrid-09Looking for the best Houston car insurance policies is difficult enough with a traditional car, but what about car insurance for hybrid ones? Do you know what different car insurance companies have to offer, what your quote is, or how companies calculate rates? Probably not, especially if we are talking about hybrid cars. Today we would like to take a look at the Ford Fusion Hybrid, and help you understand how to easily get it insured.

With a manufacturer’s suggested retail price of 28.600$, the Ford Fusion Hybrid is one of the most affordable, yet most efficient hybrid sedans on the market right now. The vehicle can reach up to 47mph on electric power alone, and it will only use fuel for rapid acceleration, which means that it is environmentally friendly. If you are thinking of purchasing one for yourself, you should know that its technical specs include a 2.5 liter Atkinson-Cycle 4-cylinder engine and an electric motor that can generate an astonishing 191 horsepower. This makes it more powerful than a traditional 4-cylinder gasoline-powered Fusion.

The Environmental Protection Agency reports that the Fusion Hybrid gets somewhere close to 41 city/39 highway MPG. This means that a regular driver should expect to pay around 1.200 dollars for gas per year. There is also a gas powered Ford Fusion that uses 12 barrels of oil/year as opposed to its hybrid counter-part that only needs 9 barrels. You might be happy to hear that this particular vehicle model only emits 4.8 tons of CO2 under normal driving conditions (the regular Fusion emits 7.2 tons of CO2). Now that you know the basic specs, let’s take a look at average insurance coverage costs for it.

Ford Fusion Hybrid Insurance Rates

Although rates may vary from state to state, Houston specialists report that an average monthly auto insurance of about 100-120$ is estimated for the 2012 Fusion Hybrid, considering that the driver has at least six years of experience. This adds up to 1440$ per year and 7200$ over five years. Drivers who have only three years of experience will probably pay around 200-240$ per month, and rates can climb up to over 300$ for those with less than three years of experience. What do these rates mean, when compared to other hybrid cars?

The Nissan Altima Hybrid also costs approximately 100-120$ per month to insure, but the Honda Civic Hybrid only costs 92$ per month. More expensive models include the Hyundai Sonata Hybrid and Toyota Prius or Camry Hybrid. The differences in monthly costs may seem low, but they might help you save 900-1000 dollars over five years.

Ford Fusion Hybrid Repair Costs and Warranty

You should also know that the 2012 Fusion Hybrid receives a 36.000 miles/three years warranty, and its power-train is covered for an additional two years/24.000 miles. The other components receive an 8 years/100.000 miles insurance so you can sleep soundly at night. As far as repair costs go, they are regularly covered under warranty for the first two years of ownership. If the car is no longer under warranty, repair costs will consist of 400-450$ on average, during the third year. In the fourth and fifth year you should expect approximately 700$ dollars for each Ford Fusion Hybrid repair, and after the fifth year, prices will escalate to over 1.800$ per repair. We know what you are thinking: repair costs are quite high, and this might make you want to consider the Hyundai Sonata Hybrid, which is expected to total just 630$ per repair.