Cheapest Ford Fusion Insurance in San Antonio

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Insurance rates Ford Fusion in San AntonioDo you think you bought high-priced Ford Fusion insurance in San Antonio? It's quite common and many San Antonio consumers are in the same pinch.

It's safe to conclude that auto insurance companies don't want you to compare rates. Consumers who shop around for better prices will most likely switch to a new company because there is a significant possibility of finding discount prices. A recent survey revealed that people who compared rates once a year saved approximately $3,500 over four years compared to people who never shopped around for lower prices.

If finding the best rates on car insurance is the reason for your visit, then having an understanding of how to find and compare coverages can help you succeed in finding affordable rates. Vehicle owners have so many insurance companies to insure vehicles with, and although it's nice to have a choice, lots of choices makes it harder to compare rates and cut insurance costs.

The companies shown below have been selected to offer price quotes in Texas. If several companies are displayed, we recommend you visit as many as you can to get a more complete price comparison.

Premium rates and analysis

The coverage table below outlines estimates of prices for Ford Fusion models. Understanding more about how car insurance prices are calculated is important for you to make smart buying decisions.

Ford Fusion Insurance Rates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $182 $312 $382 $22 $114 $1,012 $84
Fusion SE 4-Dr Sedan $206 $368 $382 $22 $114 $1,092 $91
Fusion Hybrid 4-Dr Sedan $206 $424 $476 $28 $142 $1,276 $106
Fusion SEL 4-Dr Sedan $206 $368 $382 $22 $114 $1,092 $91
Fusion Sport 4-Dr Sedan $206 $368 $382 $22 $114 $1,092 $91
Fusion SEL AWD 4-Dr Sedan $228 $424 $382 $22 $114 $1,170 $98
Fusion Sport AWD 4-Dr Sedan $228 $424 $382 $22 $114 $1,170 $98
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Rates do not factor in the specific area where the vehicle is garaged which can revise premiums greatly.

Physical damage deductibles: Should you raise them?

The hardest decision when buying coverage is where should you set your physical damage deductibles. The following insurance rates can help illustrate the difference in cost of buying low and high comp and collision deductibles. The first rate comparisons uses a $100 physical damage coverage deductible and the second rate table uses a $500 deductible.

Ford Fusion insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $328 $592 $382 $22 $114 $1,463 $122
Fusion SE 4-Dr Sedan $370 $698 $382 $22 $114 $1,611 $134
Fusion Hybrid 4-Dr Sedan $370 $804 $476 $28 $142 $1,845 $154
Fusion SEL 4-Dr Sedan $370 $698 $382 $22 $114 $1,611 $134
Fusion Sport 4-Dr Sedan $370 $698 $382 $22 $114 $1,611 $134
Fusion SEL AWD 4-Dr Sedan $412 $804 $382 $22 $114 $1,759 $147
Fusion Sport AWD 4-Dr Sedan $412 $804 $382 $22 $114 $1,759 $147
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Ford Fusion insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $240 $400 $382 $22 $114 $1,158 $97
Fusion SE 4-Dr Sedan $270 $472 $382 $22 $114 $1,260 $105
Fusion Hybrid 4-Dr Sedan $270 $542 $476 $28 $142 $1,458 $122
Fusion SEL 4-Dr Sedan $270 $472 $382 $22 $114 $1,260 $105
Fusion Sport 4-Dr Sedan $270 $472 $382 $22 $114 $1,260 $105
Fusion SEL AWD 4-Dr Sedan $300 $542 $382 $22 $114 $1,360 $113
Fusion Sport AWD 4-Dr Sedan $300 $542 $382 $22 $114 $1,360 $113
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Premium costs do not factor in specific location which can impact coverage rates noticeably.

Based on the above data, using a $100 deductible will cost you approximately $30 more each month or $360 for a full year than choosing the higher $500 deductible. Since the policyholder would be required to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you tend to go more than 13 months between claim filings, you would more than likely save some money by selecting a higher deductible. The table below shows an example of how you can make this decision for your own policy.

Average monthly premium for $100 deductibles: $139
Average monthly premium for $500 deductibles (subtract): - $109
Monthly savings from raising deductible: $30
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $30
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 13 months

The illustration below demonstrates how choosing different deductibles and can increase or decrease Ford Fusion yearly insurance costs for each age group. The rate quotes are based on a single female driver, comp and collision included, and no discounts are taken into consideration.

Careless San Antonio drivers pay higher rates

The chart below demonstrates how traffic citations and at-fault fender-benders can impact Ford Fusion insurance rates for different ages of insureds. The costs are based on a married female driver, full physical damage coverage, $1,000 deductibles, and no discounts are taken into consideration.

Discount San Antonio car insurance rates

Insurance can be prohibitively expensive, but you may find discounts that you may not even be aware of. Some of these discounts will be visible when you quote, but lesser-known reductions have to be manually applied before you get the savings.Cheaper car insurance with discounts

  • Anti-theft System - Cars with anti-theft systems help deter theft so companies will give you a small discount.
  • Waiver for an Accident - This isn't a discount exactly, but some companies like State Farm and Progressive may permit one accident before raising your premiums as long as you don't have any claims before the accident.
  • Discount for Multiple Policies - When you combine your homeowners and auto insurance with the same insurance company you could earn a discount of up to 20% off your total Fusion insurance premium.
  • Full Payment Discount - By paying your entire bill at once rather than paying in monthly installments you can actually save on your bill.
  • Paperless Signup - A few larger online companies give back up to $50 shop San Antonio auto insurance on their website.
  • Multiple Cars - Drivers who insure all your vehicles with one company qualifies for this discount.
  • Seat Belt Usage - Buckling up and requiring all passengers to wear their seat belts can save up to 10 percent (depending on the company) off the personal injury premium cost.
  • Passive Restraint Discount - Vehicles equipped with air bags or automatic seat belts may qualify for discounts of 20 to 30 percent.
  • Drivers Education - Cut your cost by having your teen driver complete a driver education course in school.
  • Include Life Insurance and Save - Not every insurance company offers life insurance, but if they do you may earn a break if you buy a life insurance policy as well.

Discounts reduce rates, but you should keep in mind that most discount credits are not given to the entire cost. Most cut specific coverage prices like physical damage coverage or medical payments. Even though it appears adding up those discounts means a free policy, nobody gets a free ride.

The chart below shows the difference between Ford Fusion auto insurance costs with and without some available policy discounts. The premiums assume a female driver, no driving violations, no at-fault accidents, Texas state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, homeowner, marriage, claim-free, and multi-car discounts applied.

Car insurance companies that may have most of these discounts possibly include:

If you need lower rates, check with every prospective company which credits you are entitled to. Depending on the company, some discounts may not be available everywhere. To see insurance companies that can offer you the previously mentioned discounts in San Antonio, click here to view.

Buying the right Fusion insurance in Texas is an important decision

Even though San Antonio Fusion insurance rates can get expensive, insurance serves an important purpose.

  • The majority of states have minimum mandated liability insurance limits which means the state requires a minimum amount of liability coverage if you want to drive legally. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
  • If you took out a loan on your Ford, most lenders will stipulate that you have physical damage coverage to guarantee their interest in the vehicle. If the policy lapses, the bank may insure your Ford at a significantly higher premium and require you to fork over for the much more expensive policy.
  • Auto insurance protects both your vehicle and your personal assets. It will also cover medical transport and hospital expenses for you, your passengers, and anyone else injured in an accident. Liability insurance also pays for attorney fees and expenses if you are sued as the result of your driving. If your Ford gets damaged, collision and comprehensive (also known as other-than-collision) coverage will pay to restore your vehicle to like-new condition.

The benefits of insuring your car more than offset the price you pay, particularly if you ever have a claim. Unknowingly, the average driver overpays more than $750 every year so smart consumers compare quotes at least once a year to ensure rates are competitive.

Different people need different auto insurance coverages

When quoting and comparing the best auto insurance coverage, there is no best way to insure your cars. Everyone's needs are different.Drive safe and save

Here are some questions about coverages that may help highlight if your insurance needs might need an agent's assistance.

  • Does my insurance cover my expensive audio equipment?
  • Am I covered by my employer's commercial auto policy when driving my personal car for business?
  • What is medical payments coverage?
  • When do I need to add a new car to my policy?
  • What does PIP insurance cover?
  • What is glass protection for?
  • Does my policy cover me if I wreck while driving under the influence?

If it's difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you don't have a local agent, simply complete this short form. It's fast, doesn't cost anything and can provide invaluable advice.

Compare prices but work with a neighborhood San Antonio auto insurance agent

Many drivers prefer to buy from a local agent and that can be a great decision Agents will help you protect your assets and help submit paperwork. An additional benefit of getting online price quotes is you can get cheaper car insurance rates and still buy from a local agent.

Insurance agency in San AntonioTo find an agent, once you fill out this form (opens in new window), your coverage information is immediately sent to insurance agents in San Antonio who will give you quotes for your coverage. You never need to contact any agents as quotes are delivered instantly to you. If you need to compare rates for a specific company, you can always navigate to their website and fill out their quote form.

Finding the right insurance company needs to be determined by more than just a cheap price. These are valid questions to ask:

  • Does the agency have a current Errors and Omissions policy?
  • How long has the business existed?
  • Does the agency support the community they serve?
  • Does the agency have a good rating with the Better Business Bureau?
  • Can they provide you with a list of referrals?