Finding cheaper coverage for a Ford Fusion is dependent upon a large number of rating criteria such as how many years you have been driving, where your vehicle is garaged, and any driving offenses on your record. Drivers pay around $1,497 a year to insure their Fusion, but that amount is a projection calculated based on a 40-year-old single female driver with both comprehensive and collision coverage and $250 deductibles.
When estimating a car insurance rate like we just did, the issue is that you are not 40 years old and maybe not even female, possibly married instead of single, or maybe you rent instead of own your home. This demonstrates why the only way to find the cheapest insurance price for your Ford is to do a thorough rate comparison.
The trim level of your Fusion has an effect on the yearly cost, so the rate you pay to insure a Fusion S 4-Dr Sedan will be $274 less expensive the price to insure the more costly Fusion Sport AWD 4-Dr Sedan model, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Fusion S 4-Dr Sedan||$282||$560||$496||$30||$148||$1,516||$126|
|Fusion SE 4-Dr Sedan||$318||$660||$496||$30||$148||$1,652||$138|
|Fusion Hybrid 4-Dr Sedan||$318||$760||$620||$36||$186||$1,920||$160|
|Fusion SEL 4-Dr Sedan||$318||$660||$496||$30||$148||$1,652||$138|
|Fusion Sport 4-Dr Sedan||$318||$660||$496||$30||$148||$1,652||$138|
|Fusion SEL AWD 4-Dr Sedan||$356||$760||$496||$30||$148||$1,790||$149|
|Fusion Sport AWD 4-Dr Sedan||$356||$760||$496||$30||$148||$1,790||$149|
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Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Rates do not factor in specific location information which can impact coverage rates noticeably.
Ending up with a high-quality auto insurance provider can be a challenge considering how many companies are available to choose from in Texas. The rank data listed below can help you choose which auto insurers to look at shopping your coverage with.
The rankings below are for large insurance companies, so companies that focus mainly on Texas business are not taken into consideration for these rankings. If you wish to compare prices and find the cheapest rates for a Ford Fusion, click this link.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
Driving violations and accidents
In a perfect world, the ideal way to find the best car insurance premiums in Texas for a Fusion is to drive attentively and avoid accidents and keep your driving record clean. The chart below illustrates how speeding tickets and fender-benders raise insurance costs for each different age category. The data assumes a married male driver, full coverage, $1,000 deductibles, and no policy discounts are applied.
The data charted above shows the average cost of auto insurance per year with a clean driving record and no accidents is $1,833. Get one speeding ticket and the average cost increases to $2,108, an increase of $276 each year. Then add one accident along with the one speeding ticket and the annual cost of car insurance for a Ford Fusion increases to an average of $2,880. That’s an increase of $1,047, or $87 per month, just for not maintaining a clean driving record!
The benefits of price comparisons
San Antonio car insurance rates are calculated based on many things that will increase or decrease the price of coverage. Getting older, buying a different home, or getting a speeding ticket can produce rate changes that can make some companies cheaper than others.
Not only may your risk profile change, but companies modify rates every year or even multiple times each year in order to remain profitable. Higher than usual claims can result in higher priced premiums, while a profitable period may result in lower-priced Fusion insurance rates.
For example, the data below analyzes the cheapest car insurance in San Antonio, TX for a 35-year-old female driver with a clean driving record, no accidents, and good financial standing. When quoting prices based on her current rating profile, Travelers may offer the best car insurance rates in San Antonio at $1,205 annually. This is $699 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty are the remaining cheapest San Antonio, TX auto insurance companies.
Now let’s give the driver from the above example a claim surcharge, a lower credit rating, and a blemish on her driving record. Since each insurance company has a proprietary method for determining prices, getting updated rate quotes may result in a different set of the cheapest car insurance companies in San Antonio as shown below.
State Farm now has the best car insurance rate in San Antonio, TX with Mercury, Nationwide, Safe Auto, and Texas Farm Bureau completing the list. This example demonstrates why drivers need to compare as many rates as possible when trying to find the cheapest car insurance rates for a Ford Fusion. Auto insurance prices are calculated by many different factors and can change substantially, so the lowest-price company six months ago may now not even be in the top five.
Ideas for finding economical car insurance for a Ford Fusion
The list below shows many money-saving suggestions that can help you locate cheaper coverage.
- Drivers with good credit ratings often pay less
- Frequent claims may make car insurance unaffordable
- Drive attentively and avoid accidents
- Buy a car with high safety ratings
- Keep your driving record clean
- Compare rates regularly to ensure the best deal
That last tip is very necessary, as was discussed in this write-up. Prices charged by auto insurers can change considerably in a year, so don’t be unwilling to buy from a new company if a lower-cost policy is available. Having a favorite company is fine, but it’s not a good idea if that faithfulness ends up costing you thousands of dollars over the life of your policy. In just a couple of minutes you could compare prices to find cheaper auto insurance for a Ford Fusion in San Antonio.