Vehicles > Ford > Fusion

Ford Fusion Insurance Rates

Buying auto insurance from online companies is easy and at the same time you might just save a little. The key is to take the time to get as many rate quotes as possible in order to have the lowest prices.

People who are new to comparison shopping may think purchasing cheap Fusion insurance can be quite difficult. Cutting your Fusion insurance cost is actually quite simple. Drivers just need to take a couple of minutes to get quotes from different insurance companies. This can be accomplished by comparing rates here.

What factors impact your insurance rates?

Auto insurance rates for a Ford Fusion can vary widely based upon several criteria. Taken into consideration are:

  • Your driving record
  • Credit rating
  • Male rates may be higher
  • Deductible amount directly impacts your rate
  • Your vehicle's safety rating
  • Claims drive up premiums
  • No coverage lapses saves money
  • Whether you rent or own your home

A final factor that helps determine Fusion insurance rates is the model year. Newer models cost more in comparison to later models so repair costs are higher which can inflate annual premiums. Conversely, newer vehicles may have a trim level with safety features such as anti-lock brakes, pedestrian detection, active head restraints, and an advanced theft deterrent system which can lower rates.

To get a better idea how rates are influenced for your specific model year, select the year of your vehicle from available model years below.

Liability coverage - Liability insurance can cover damages or injuries you inflict on other people or property in an accident. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so consider buying higher limits if possible.

Collision - Collision insurance covers damage to your Ford caused by collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder. Fusion collision insurance is rather expensive coverage, so consider dropping it from vehicles that are older. You can also bump up the deductible to bring the cost down.

Comprehensive coverage - Comprehensive insurance pays for damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by your Ford Fusion comprehensive insurance. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

UM/UIM Coverage - This protects you and your vehicle's occupants from other drivers when they either are underinsured or have no liability coverage at all. Since many drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Medical payments coverage and PIP - Coverage for medical payments and/or PIP provide coverage for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They are often used to fill the gap from your health insurance policy or if you do not have health coverage. PIP is not an option in every state and gives slightly broader coverage than med pay.

How Much are Ford Fusion Insurance Rates?