Finding competitive auto insurance for a Ford Fusion hinges on a lot of factors such as whether you are single or married, the size of your vehicle, and driving violations and tickets. Drivers will pay around $1,076 per year for Fusion insurance, but that cost is an approximation calculated using a 40-year-old married male driver with both comprehensive and collision coverage and $100 deductibles.
The issue that arises when projecting rates is that it’s very likely that you may not be 40 years old (or even male), possibly single instead of married, and maybe you have sub-par credit that needs to be factored in. Even a slight change in rating criteria may result in a big change in the policy rate.
Everone’s needs are different, and this illustrates why the way we recommend to find the most affordable coverage for your Ford is to compare as many rates as you can.
Vehicle trim level can impact the cost of insurance, so the rate you will pay to insure a Fusion S 4-Dr Sedan trim level will be $216 less than the insurance cost for the high end Fusion Sport AWD 4-Dr Sedan version, as shown below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Fusion S 4-Dr Sedan||$234||$428||$308||$18||$92||$1,080||$90|
|Fusion SE 4-Dr Sedan||$264||$506||$308||$18||$92||$1,188||$99|
|Fusion Hybrid 4-Dr Sedan||$264||$582||$386||$22||$116||$1,370||$114|
|Fusion SEL 4-Dr Sedan||$264||$506||$308||$18||$92||$1,188||$99|
|Fusion Sport 4-Dr Sedan||$264||$506||$308||$18||$92||$1,188||$99|
|Fusion SEL AWD 4-Dr Sedan||$296||$582||$308||$18||$92||$1,296||$108|
|Fusion Sport AWD 4-Dr Sedan||$296||$582||$308||$18||$92||$1,296||$108|
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Table data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Premium amounts do not factor in specific location which can increase or decrease insurance rates substantially.
Deciding which insurers offer the best car insurance rates for a Ford Fusion calls for a little more effort in order to find the lowest price quote.
Every insurance provider has their own process to set policy rates, so we will examine the most affordable car insurance companies in Tucson. It’s important that readers know that Arizona car insurance rates are impacted by many factors which can substantially change the cost of your policy. Turning one year older, increasing deductibles, or getting into an accident may cause policy rate changes that can make some companies cheaper than competitors.
Best Insurance Companies for Your Fusion
|Rank||Company||Cost Per Year|
|12||Farm Bureau Mutual||$1,285|
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The Hartford generally has some of the lowest car insurance rates in Tucson at around $820 per year. Auto-Owners, Safeco, USAA, and Travelers also qualify as some of the best Tucson, AZ auto insurance companies.
In the above example, if you are insured with USAA and switched to The Hartford, you could see a yearly savings of roughly $293. Policyholders with Travelers could save as much as $299 a year, and GEICO insureds might lower prices by $322 a year.
To see if your current coverage is too expensive, click here to start your free quote or quote prices from the following companies.
Be aware that those premium estimates are averaged across all types of insureds and vehicles and and are not figured with a specific zip code for a Ford Fusion. So the car insurance company that is best suited for you may not even be in the top 28 companies shown above. That affirms the importance of why you need to get rate quotes from many companies using your own personalized driver profile and vehicle information.
The illustration below illustrates how your deductible choice can increase or decrease insurance rates when searching for cheap insurance for a Ford Fusion. The rate quotes are based on a married female driver, full coverage, and no additional discounts are factored in.
The chart above illustrates that a 40-year-old driver could reduce rates by $284 a year by increasing from a $100 deductible up to a $500 deductible, or save $430 by choosing a $1,000 deductible. Youthful drivers, such as the Age 20 example, could roll back prices as much as $708 each year by choosing larger deductibles on their policy. When increasing deductibles, it is important to have additional funds in a savings account to allow you to cover the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.
Cost of full coverage
Lowering the price of car insurance is important to most vehicle owners, and one of the best ways to save on the cost of insurance for a Ford Fusion is to not pay for full coverage. The information below shows the comparison of insurance prices with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The information is based on no accidents or driving violations, $500 deductibles, single marital status, and no policy discounts are applied.
Averaged for all ages 20 through 70, physical damage coverage on your policy costs an additional $1,676 per year over having just liability coverage. Many drivers may wonder if buying full coverage is worth the expense. There is no specific rule for excluding physical damage insurance, but there is a guideline you can consider. If the yearly cost for physical damage coverage is more than around 10% of replacement cost minus your deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s assume your vehicle’s claim settlement value is $8,500 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, you would only receive $7,500 after the deductible is paid. If you are paying in excess of $750 annually for full coverage, then you might want to think about dropping full coverage.
The importance of shopping around for Fusion insurance
Tucson car insurance rates are influenced by many factors that can increase the policy price. Getting older, filing a claim, or getting a speeding ticket can cause premium changes that may make certain companies more affordable than before. Not only may things change on your end, but insurance companies change the rates they charge in Arizona without warning to adjust for gains or losses. Higher than usual claims can cause high rates, while long-term profits may cause more affordable Fusion insurance rates.
The bar chart below analyzes the cheapest car insurance in Tucson, AZ for a 30-year-old male driver with no prior claims, no tickets, and a good credit history. When comparing rates based on his personal profile, The Hartford quotes the best car insurance rates in Tucson at $1,063 annually. This is $365 less than the average rate paid by Arizona drivers of $1,428. Auto-Owners, Safeco, USAA, and Travelers are also included in the top five cheapest Tucson, AZ auto insurance companies.
Let’s now give the driver in the first chart a claim surcharge, slightly worse credit, and a few blemishes on his driving record. Since each company has a unique formula for setting prices, comparing insurance quotes may result in a different set of cheap Tucson auto insurance companies as shown below.
GEICO now has the lowest price on auto insurance in Tucson with Ameriprise Group, Allied, Auto-Owners, and CSAA also being competitive. This shows why drivers need to shop around with many companies when trying to get the most economical auto insurance rates for a Ford Fusion.
Prices can be altered by many factors and can change substantially, so the most affordable company the last time you compared rates may now cost much more than other companies.
Tips for finding cheaper auto insurance for a Ford Fusion
It’s not impossible to find cheaper rates, and here are some penny-pinching suggestions that can help Arizona drivers get cheap coverage.
- Prevent price hikes by avoiding at-fault accidents
- Safe vehicles cost less to insure
- Claim-free drivers earn discounts
- Good credit can help you save money
- Avoid getting tickets or violations
- Shop around once a year for cheaper rates
That last idea is particularly vital, as was affirmed in the prior article. Auto insurance rates in Tucson can change considerably based on profitability, so drivers shouldn’t be reluctant to buy from a different company if a better rate can be found. We understand brand loyalty, but is isn’t recommended if that inflexibility results in costing you big bucks every year. If you have a few minutes, compare rates and find cheaper insurance for a Ford Fusion.
If you prefer to get some guidance when shopping for the best coverage for a Fusion, the agents below can help you determine which auto insurance coverages would be the best in your situation. To locate a Tucson auto insurance agent by location nearest to you, click the button at the bottom of the list or click here to compare price quotes.
Tim Brown: Farmers Insurance Agent
70 W Franklin St – Tucson, AZ 85701 – (520) 322-3924
405 E Wetmore Rd g115 – Tucson, AZ 85705 – (520) 888-5000
AZ Insurance Center
8880 E Speedway Blvd #101 – Tucson, AZ 85710 – (520) 722-0665