Finding competitive coverage for a Ford Fusion in Florida is dependent upon a complicated rating formula that uses factors such as your financial responsibility, whether or not you have filed claims in the past, and any past driving violations you may have had. Drivers in Florida will pay on average $1,565 per year to insure their Fusion, but that amount is a valuation based upon a 30-year-old single female driver with both comprehensive and collision coverage and $500 deductibles.
When making auto insurance estimates, the issue arises that you are not 30 years old and maybe not even female, possibly married instead of single, and maybe you want higher deductibles. There is no perfect policy for every driver, so the only way to find the cheapest insurance price for your Ford is to compare rates from as many companies as possible. To start saving now, get free quotes and you will receive prices from some of the best insurers that sell coverage in Florida.
Your vehicle’s trim level tends to have a direct effect on the annual cost of coverage, so the price to insure a Fusion S 4-Dr Sedan model will be $268 less expensive the insurance cost for the high end Fusion Sport AWD 4-Dr Sedan version, as shown in the chart below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Fusion S 4-Dr Sedan||$290||$538||$564||$34||$168||$1,594||$133|
|Fusion SE 4-Dr Sedan||$328||$634||$564||$34||$168||$1,728||$144|
|Fusion Hybrid 4-Dr Sedan||$328||$730||$704||$42||$210||$2,014||$168|
|Fusion SEL 4-Dr Sedan||$328||$634||$564||$34||$168||$1,728||$144|
|Fusion Sport 4-Dr Sedan||$328||$634||$564||$34||$168||$1,728||$144|
|Fusion SEL AWD 4-Dr Sedan||$366||$730||$564||$34||$168||$1,862||$155|
|Fusion Sport AWD 4-Dr Sedan||$366||$730||$564||$34||$168||$1,862||$155|
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Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Table data does not factor in specific location which can influence insurance rates considerably.
Locating low-priced insurance is easier said than done, and finding out which companies have the best auto insurance rates for a Ford Fusion will take even more rate comparisons.
Each company has their own unique process for determining rates in each state, so let’s begin by examining the auto insurance companies with the overall cheapest rates in Orlando, FL. Keep in mind that Orlando, FL auto insurance rates are influenced by many factors that may substantially change the cost of having a policy. This price variability is why consumers need to take the time to perform an extensive rate comparison when trying to get the best insurance rates for a Ford Fusion. Auto insurance prices consist of many things and change frequently, so the best price the last time you checked may now be one of the more expensive options.
Find the Cheapest Car Insurance for Your Fusion
|Rank||Company||Cost Per Year|
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USAA has some of the lowest car insurance rates in Orlando at around $948 a year. This is $1,500 less than the average price paid by Florida drivers of $2,448. Electric, Amica, Progressive, and Travelers also make the cut as some of the most economical Orlando, FL auto insurance companies.
As the example above demonstrates, if you are currently insured with Amica and switched to USAA, you might realize a yearly price reduction of roughly $764. Florida drivers with Progressive could save as much as $881 a year, and Travelers policyholders might reduce prices by as much as $921 a year.
To get a fast rate comparison, click here or quote rates from the companies below.
Understand that those policy rates are averages for all types of insureds and vehicles and do not factor in a specific vehicle garaging location for a Ford Fusion. So the company that is best suited for you may not even be in the list above. That’s why you need to compare prices as often as possible using your own specific driver and vehicle information.
Careless drivers pay higher rates
In a perfect world, the best way to find affordable auto insurance premiums in Florida for a Fusion is to pay attention while driving and avoid at-fault accidents and violations. The diagram below demonstrates how citations and at-fault accidents can impact insurance costs for each different age group. The rate quotes are based on a married female driver, comp and collision included, $250 deductibles, and no discounts are taken into consideration.
The data in the chart shows the average cost of a car insurance policy per year with no accidents and a clean driving record is $2,353. Get two speeding tickets and the average cost swells to $3,363, an increase of $1,010 each year. Now include one accident along with the two speeding tickets and the annual cost of auto insurance for a Ford Fusion jumps again to an average of $4,377. That’s an increase of $2,024, or $169 per month, just for not driving responsibly!
Rate difference between full and liability-only coverage
Saving on auto insurance should be important to most people, and one good way to pay less for insurance for a Ford Fusion is to not buy full coverage. The chart below illustrates the difference between annual premium costs with full coverage compared to only the Florida minimum liability coverage. Data assumes no claims or driving violations, $250 deductibles, single marital status, and no policy discounts are applied.
If the expense is averaged for all age categories, physical damage coverage costs an additional $3,052 per year more than just buying liability only. That is a large expense which might make you wonder if buying full coverage is a waste of money. There is no clear-cut rule for eliminating physical damage coverage on your policy, but there is a broad guideline. If the annual cost of your full coverage insurance is 10% or more of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.
For example, let’s say your vehicle’s settlement value is $8,500 and you have $1,000 deductibles. If your vehicle is destroyed, the most your company will settle for is $7,500 after the deductible is paid. If you are currently paying more than $750 a year for full coverage, then it’s probably a good time to buy liability coverage only.
There are some circumstances where dropping full coverage is not a good idea. If you still have a lienholder on your title, you have to maintain full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should not consider dropping full coverage.
Ideas to find the cheapest auto insurance for a Ford Fusion
Below you’ll find some of the better penny-pinching solutions that can help you buy more affordable coverage.
- Save money by insuring older vehicles for liability only
- Serious violations like DUI or careless driving can make car insurance unaffordable
- Being accident-free can lower rates significantly
- Better credit scores save money
- Increase your comprehensive and collision deductibles
- Get cheaper liability coverage by choosing a safer vehicle
- Shop around for cheaper prices
The last item on the list is particularly necessary, as we stressed in the prior information. Prices charged by auto insurers change a lot, so drivers shouldn’t hesitate to buy from a different company if you can find a cheaper rate.
Loyalty to a specific company is fine, but is isn’t recommended if that devotion results in you overpaying major coinage every year. Take a few minutes and compare rates and find cheaper insurance for a Ford Fusion in Orlando.
The insurance agencies listed below can aid you in deciding which is the best policy, since many consumers aren’t sure which coverage to buy and prefer to get some professional advice when shopping for the best coverage for a Fusion. It’s not always easy to find the best rates on your own, so getting advice from a licensed Florida insurance agent can add satisfaction knowing you have suitable coverage if you ever need to use it.
To locate an Orlando car insurance agency by location nearest to you, click the button following the list.
JCJ Insurance Agency LLC
2208 Hillcrest St – Orlando, FL 32803 – (321) 445-1117
J Meyers Insurance Agency
5003 Old Cheney Hwy – Orlando, FL 32807 – (407) 273-0230
All Insurance Able
2319 S Goldenrod Rd – Orlando, FL 32822 – (407) 243-9700