Are you doing reasearch to find lower-priced Ford Fusion insurance in Mesa? Wish you could get out of an expensive auto insurance policy? Trust us when we tell you many Mesa drivers feel the same as you.
Remarkably, a study showed that nearly 70% of drivers have been with the same company for four years or more, and approximately 40% of consumers have never compared rates to find lower-cost insurance. Consumers in Mesa could save themselves roughly 50% a year by just comparing rate quotes, but they just don't understand how easy it is to shop around.
Popular companies such as Allstate, Progressive and GEICO promote their brand names with ads and it is difficult to ignore the flashy ads and effectively compare rates to find the best deal.
It's smart to check auto insurance prices at least once a year because prices change frequently. Just because you had the best rates on Ford Fusion insurance in Mesa six months ago a different company probably has better premium rates today. Forget all the misinformation about auto insurance because you're about to find out one of the quickest ways to find the best coverage while lowering your premiums.
Most larger insurance companies such as Allstate, GEICO and Progressive provide prices for coverage on their websites. Getting Ford Fusion insurance prices online is quite easy because it's just a matter of typing in the amount of coverage you want into the form. When complete, the system obtains your driving record and credit report and provides a quote based on the information you submitted. Getting online quotes for Ford Fusion insurance in Mesa makes it a lot easier to compare rates and it is important to perform this step if you want to get the lowest possible payments on car insurance.
In order to fill out one form to compare multiple rates now, take a look at the companies shown below. If you have coverage now, it's recommended you duplicate the limits and deductibles as close as possible to your current policy. Doing this guarantees you are getting rate comparison quotes for exact coverage.
The companies shown below are our best choices to provide free quotes in Arizona. To get cheap car insurance in Arizona, we recommend you click on several of them to get the best price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Fusion S 4-Dr Sedan||$158||$302||$404||$24||$122||$1,010||$84|
|Fusion SE 4-Dr Sedan||$332||$548||$392||$24||$118||$1,414||$118|
|Fusion Hybrid 4-Dr Sedan||$126||$284||$360||$22||$108||$900||$75|
|Fusion SEL 4-Dr Sedan||$194||$342||$308||$18||$92||$954||$80|
|Fusion Sport 4-Dr Sedan||$204||$420||$390||$24||$116||$1,154||$96|
|Fusion SEL AWD 4-Dr Sedan||$164||$306||$308||$18||$92||$888||$74|
|Fusion Sport AWD 4-Dr Sedan||$216||$392||$308||$18||$92||$1,026||$86|
|Get Your Own Custom Quote Go|
Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Prices do not factor in zip code location which can change rates greatly.
Auto insurance rates based on gender
The example below shows the difference between Ford Fusion auto insurance costs for male and female drivers. The prices are based on no claims, a clean driving record, full physical damage coverage, $500 deductibles, single marital status, and no discounts are applied to the premium.
Price comparison of only insuring for liability
The example below visualizes the comparison of Ford Fusion insurance costs with full physical damage coverage compared to only buying liability only. The prices are based on a clean driving record, no at-fault accidents, $1,000 deductibles, married male driver, and no discounts are factored in.
Should you buy full coverage or liability only?
There is no exact rule to delete full coverage on your policy, but there is a general guideline you can use. If the yearly cost for physical damage coverage is more than about 10% of the vehicle's replacement cost less your deductible, then it may be the right time to buy liability only.
For example, let's assume your Ford Fusion claim settlement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most your company would pay you is $5,000 after you pay the deductible. If it's costing in excess of $500 a year for full coverage, then it may be the right time to buy liability only.
There are some conditions where dropping full coverage is not recommended. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage in order to satisfy the requirements of the loan. Also, if you don't have enough money to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage on your policy.
Car insurance discounts help lower rates for Ford Fusion insurance in Mesa
Some insurers don't necessarily list every disount available in a way that's easy to find, so here is a list some of the more common in addition to some of the lesser obvious ways to save on car insurance.
- Discounts for Multiple Vehicles - Buying a policy with multiple vehicles on the same car insurance policy can reduce the rates for all insured vehicles.
- Smart Student Discounts - Maintaining excellent grades can save 20 to 25%. Many companies even apply the discount to college students up until you turn 25.
- Defensive Driver Discount - Successfully completing a class that teaches driver safety techniques may get you a small discount and make you a better driver.
- Driver's Education for Students - Reduce the cost of insurance for teen drivers by having them complete a driver education course if offered at their school.
- Discounts for Government Workers - Having worked for a branch of the government can earn a discount up to 10% with a few car insurance companies.
- Lower Rates for Military - Having an actively deployed family member could qualify you for better rates.
A little disclaimer on discounts, most credits do not apply to all coverage premiums. The majority will only reduce specific coverage prices like liability, collision or medical payments. Just because you may think having all the discounts means you get insurance for free, insurance companies wouldn't stay in business.
A few of the larger companies and a summarized list of policyholder discounts can be found below.
- State Farm offers premium reductions for good driver, passive restraint, Drive Safe & Save, anti-theft, driver's education, and good student.
- Progressive policyholders can earn discounts including online signing, continuous coverage, multi-vehicle, good student, and homeowner.
- Travelers may have discounts that include new car, multi-policy, save driver, multi-car, early quote, and continuous insurance.
- American Family may offer discounts for mySafetyValet, multi-vehicle, defensive driver, bundled insurance, and good driver.
- Liberty Mutual includes discounts for good student, multi-policy, hybrid vehicle, multi-car, and exclusive group savings.
Double check with every prospective company the best way to save money. All car insurance discounts may not apply to policyholders in your state. To choose car insurance companies who offer cheap Ford Fusion insurance quotes in Mesa, click here to view.
Auto insurance is available from local agents
Many drivers still prefer to buy from a licensed agent and we recommend doing that An additional benefit of comparing insurance prices online is you may find cheap auto insurance rates but also keep your business local. And buying from neighborhood insurance agencies is definitely important in Mesa.
To make it easy to find an agent, after completing this quick form, the coverage information gets sent to local insurance agents in Mesa who want to provide quotes and help you find cheaper coverage. You won't need to even leave your home since rate quotes are delivered to you directly. You'll get the best rates without requiring a lot of work. If you want to compare prices from a particular provider, you just need to navigate to their website and complete a quote there.
Listed below are agents in Mesa willing to provide rate quotes for Ford Fusion insurance in Mesa.
Deciding on an insurance company is decision based upon more than just a low price. These are some questions your agent should answer.
- Will your rates increase after a single accident?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Which companies do they recommend if they are an independent agency?
- Can they give you a list of client referrals?
- Do they have any clout with companies to ensure a fair claim settlement?
Insurance can be complex
When it comes to buying proper insurance coverage, there is no single plan that fits everyone. Your needs are unique to you.
For example, these questions may help highlight if your insurance needs would benefit from professional advice.
- Is my nanny covered when transporting my kids?
- Is extra glass coverage worth it?
- Do I have coverage if my license is suspended?
- Is other people's property covered if stolen from my vehicle?
- When should I not buy collision coverage?
- Am I covered if hit by an uninsured driver?
- Are my custom wheels covered?
If you're not sure about those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form.
How Car Insurance Companies Calculate Ford Fusion Insurance Costs
A large part of saving on auto insurance is knowing the factors that help determine auto insurance rates. When you understand what determines base rates, this helps enable you to make changes that could help you find lower auto insurance prices.
The following are most of the major factors that factor into your rate level.
Urban areas may pay more - Choosing to live in small towns and rural areas has definite advantages when buying auto insurance. Lower population means less chance of accidents in addition to lower liability claims Drivers in populated Arizona areas have more road rage incidents and longer commutes to work. More time behind the wheel means more chances of being involved in an auto accident.
Too many policy claims drive up auto insurance rates - Car insurance companies in Arizona generally give the best rates to people who do not file claims often. If you're an insured who likes to file claims you can expect increased rates or even have your policy non-renewed. Insurance coverage is designed for major claims that would cause financial hardship.
You might have higher premiums if you are single - Having a spouse can actually save you money on your auto insurance bill. It usually means you are less irresponsible it has been statistically shown that married couples file fewer claims.
Females tend to cost less - Over time, data shows that men are more aggressive behind the wheel. However, don't assume that males are worse at driving than females. Women and men have accidents in similar numbers, but the males cause more damage. Not only are claims higher, but men get more serious tickets like DUI and reckless driving. Male drivers age 16 to 19 are several times more likely to be in an accident and thus pay the highest rates.
Raise physical damage deductibles and save - Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your Ford. Some coverage claims could be a windshield shattered by a rock, hail damage, or theft. The deductibles define the amount you are required to spend out-of-pocket in the event of a claim. The more of the claim the insured has to pay upfront, the less money you will pay for auto insurance.
Proper usage rating affects prices - The more miles you rack up on your Ford in a year the higher the price you pay to insure it. Many insurance companies charge to insure your cars determined by how the vehicle is used. Cars and trucks left parked in the garage can get a lower rate as compared to vehicles used primarily for driving to work. Having an incorrect usage rating on your Fusion can cost quite a bit. Verify your policy reflects how each vehicle is driven.
Experienced drivers save more - Older people are shown to be more cautious, are lower risk to insure, and are safer drivers.Teenage drivers are known to be inattentive when at the wheel of a vehicle so auto insurance rates are higher.
Ford Fusion historical loss data - Insurers factor in historical loss data as a tool for profitable underwriting. Models that statistically have increased losses will cost more for specific coverages. The next table shows the historical insurance loss data for Ford Fusion vehicles.
For each policy coverage, the loss probability for all vehicles averaged together is considered to be 100. Values that are 100 or less suggest a positive loss record, while values that are above 100 point to more losses or an increased likelihood of larger losses.
Auto Insurance Loss Data for Ford Fusion Models
|Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Ford Fusion 2WD||110||95||108||116||111||105|
|Ford Fusion 4WD||115||85||120||88||77||71|
|Ford Fusion Hybrid||125||97||98||92||93||95|
|Ford Fusion Plug-in Hybrid||128||87||91||88||91||107|
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Choosing Ford Fusion insurance is an important decision
Despite the high insurance cost for a Ford Fusion in Mesa, insuring your vehicle may be mandatory for several reasons.
First, just about all states have compulsory liability insurance requirements which means the state requires a minimum amount of liability insurance in order to license the vehicle. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you took out a loan on your vehicle, it's guaranteed your bank will have a requirement that you have insurance to guarantee loan repayment. If you cancel or allow the policy to lapse, the bank will be required to insure your Ford at a much higher premium rate and require you to fork over the higher price.
Third, auto insurance protects both your assets and your vehicle. It also can pay for all forms of medical expenses for not only you but also any passengers injured in an accident. As part of your policy, liability insurance also pays expenses related to your legal defense if someone files suit against you as the result of an accident. If your car is damaged in a storm or accident, comprehensive and/or collision insurance will pay to repair the damage minus the deductible amount.
The benefits of insuring your Fusion more than cancel out the cost, especially when you need to use it. But the average American driver is overpaying more than $865 each year so you should quote rates at least once a year to ensure rates are competitive.
Persistence is the key to cheaper rates
People who switch companies do it for a variety of reasons including high rates after DUI convictions, policy non-renewal, unfair underwriting practices and denial of a claim. Regardless of your reason, finding a new company is actually quite simple.
The cheapest Ford Fusion insurance in Mesa can be purchased online and from local agencies, and you should compare rates from both so you have a total pricing picture. Some insurance companies may not provide the ability to get a quote online and most of the time these smaller providers sell through local independent agents.
We just covered many ideas to reduce Ford Fusion insurance prices online in Mesa. It's most important to understand that the more providers you compare, the better your chances of lowering your rates. Consumers may even find the best prices are with a smaller regional carrier.
Additional information can be found on the following sites:
- Self-driving cars won't replace humans (Insurance Institute for Highway Safety)
- Who Has Cheap Auto Insurance Quotes for Drivers Over Age 70 in Arizona? (FAQ)
- Determining Your Vehicle's Value and Repair Cost (Insurance Information Institute)
- Alcohol Impaired Driving FAQ (iihs.org)