Buying cheaper insurance for a Ford Fusion is pretty simple, but it relies on a fairly complex equation with a lot of factors such as your marital status, what you do for a living, and any past driving violations you may have had. Drivers will pay on average $1,087 a year to insure their Fusion, but that price is based upon a 50-year-old single male driver with full comprehensive and collision coverage and $500 deductibles.
There’s a high likelihood you are not 50 and maybe not even a male, maybe you are married instead of single, and you might want liability-only or different deductibles. Just a slight change in the criteria used to calculate rates may result in a big change in the cost of insurance for a Ford Fusion.
Auto insurance is not the same for everyone, so the best way to find cheap auto insurance rates for your Ford is to just compare rates yourself. It takes less than five minutes and you will get price quotes from some of the best insurers available.
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Your vehicle’s trim level impacts the insurance rate, so the price you will pay to insure a Fusion S 4-Dr Sedan model will be $184 less than the insurance cost for the higher-priced Fusion Sport AWD 4-Dr Sedan model, as shown by the rates below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Fusion S 4-Dr Sedan||$190||$380||$396||$24||$118||$1,108||$92|
|Fusion SE 4-Dr Sedan||$214||$448||$396||$24||$118||$1,200||$100|
|Fusion Hybrid 4-Dr Sedan||$214||$516||$496||$30||$148||$1,404||$117|
|Fusion SEL 4-Dr Sedan||$214||$448||$396||$24||$118||$1,200||$100|
|Fusion Sport 4-Dr Sedan||$214||$448||$396||$24||$118||$1,200||$100|
|Fusion SEL AWD 4-Dr Sedan||$238||$516||$396||$24||$118||$1,292||$108|
|Fusion Sport AWD 4-Dr Sedan||$238||$516||$396||$24||$118||$1,292||$108|
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Cost estimates assume single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Premium costs do not factor in vehicle garaging location which can revise premium rates significantly.
Shopping around for reasonably-priced insurance is not always easy, and finding out which companies quote the cheapest car insurance rates for a Ford Fusion requires even more shopping around. Each insurer has their own formula to set premium rates, so we need to take a look at the most budget-friendly car insurance companies in Aurora.
Best Cheap Insurance Rates for Your Fusion
|Rank||Company||Cost Per Year|
|14||Colorado Farm Bureau||$1,592|
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The Hartford normally has some of the cheapest car insurance rates in Aurora at around $834 per year. Grange, USAA, Nationwide, and Auto-Owners also rank well as some of the most economical Aurora, CO auto insurance companies.
As depicted above, if you are insured with Grange and switched to The Hartford, you could see a yearly savings of approximately $124. Customers with USAA might save as much as $165 a year, and Nationwide customers might reduce rates by $321 a year.
To get a fast rate comparison, click here to start your free quote or visit any of the low-priced companies below.
Be aware that those premium estimates are averages across all drivers and vehicles in Colorado and do not factor in an exact zip code location for a Ford Fusion. So the company that fits your needs best may not even be in the top 21 companies in the list above. That is why you need to quote rates from many companies using your own specific driver and vehicle information.
Rate increases following a ticket or accident
The recommended way to earn low car insurance premiums in Aurora for a Fusion is to be an attentive driver and avoid accidents and traffic citations. The chart below shows how traffic citations and at-fault collisions can affect auto insurance rates for each different age group. The premiums are based on a married female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied to the premium.
In the chart above, the average cost of auto insurance per year with no accidents and a clean driving record is $1,750. Get one speeding ticket and the average cost increases to $2,037, an increase of $287 each year. Now get two accidents along with the one speeding ticket and the 12-month cost of car insurance for a Ford Fusion goes up to an average of $4,493. That’s an increase of $2,744, or $229 per month, just for not keeping your driving record clean!
Get discount Aurora insurance rates
Car insurance companies that sell policies for a Ford Fusion may have special discounts that could reduce prices by 40% or more if you meet certain criteria. Companies and their offered discounts include:
- State Farm offers discounts including multiple autos, safe vehicle, student away at school, good driver, and good student.
- Nationwide policyholders can earn discounts including good student, defensive driving, business or organization, easy pay, anti-theft, and accident-free.
- GEICO includes discounts for military active duty, defensive driver, anti-theft, good student, emergency military deployment, and anti-lock brakes.
- AAA offers discounts for education and occupation, good student, AAA membership discount, multi-policy, pay-in-full, and multi-car.
- 21st Century discounts include homeowners, good student, air bags, student driver, and teen driver.
- The Hartford may include discounts for driver training, vehicle fuel type, anti-theft, good student, bundle, defensive driver, and air bag.
The example below illustrates the difference between yearly insurance costs with and without some available policy discounts. The rates are based on a female driver, no claims or driving citations, Colorado state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second shows the rates with homeowner, accident-free, anti-theft, marriage, multiple policy, and safe-driver discounts applied. When drivers qualify for the discounts, theaverage yearly reduction on car insurance for a Ford Fusion is 28% or $802.
Comparison of full coverage and liability-only policies
Finding the cheapest car insurance is important to most vehicle owners, and one way to buy cheaper insurance for a Ford Fusion is to not buy comprehensive and collision coverage. The chart below illustrates the difference between insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. Data assumes no accidents, no driving violations, $100 deductibles, drivers are not married, and no policy discounts are applied.
Averaged for all ages 20 through 70, physical damage coverage on your policy costs $3,041 per year more than buying just liability insurance. Many people question if paying for full coverage is worth it. There is no set guideline of when to drop comp and collision coverage, but there is a general school of thought. If the annual cost of having full coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.
For example, let’s assume your vehicle’s replacement cost is $11,000 and you have $1,000 deductibles. If your vehicle is totaled, the most you would get paid by your company is $10,000 after paying the physical damage deductible. If you are currently paying more than $1,000 annually for comprehensive and collision coverage, then you may want to consider only buying liability coverage.
There are some cases where buying only liability insurance is not a good plan. If you still owe money on your vehicle, you have to keep full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should not consider dropping full coverage.