Finding economical auto insurance for a Ford Fusion is fairly simple, but it hinges on a large number of rating criteria such as the age of the Fusion, the size of your vehicle, and any prior driving citations you have received. Florida drivers pay approximately $1,533 a year to insure their Fusion, but that price is an estimation using a 40-year-old married female driver with both comprehensive and collision coverage and $100 deductibles.
The issue that arises when projecting rates is that it’s very likely that you may not be 40 years old (or even female), you might be single instead of married, or maybe you prefer higher deductibles. Even a slight change in rating variables may result in significant differences in the cost of insurance.
Not every driver requires the same auto insurance coverages, so the best method for finding cheap car insurance rates for your Ford is to just take the time to compare rates yourself.
The trim level of your Ford will influence the cost of coverage, so the cost to insure a Fusion S 4-Dr Sedan model will be $306 less expensive the price to insure the high end Fusion Sport AWD 4-Dr Sedan version, as shown below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Fusion S 4-Dr Sedan||$308||$636||$438||$26||$132||$1,540||$128|
|Fusion SE 4-Dr Sedan||$348||$748||$438||$26||$132||$1,692||$141|
|Fusion Hybrid 4-Dr Sedan||$348||$862||$548||$32||$164||$1,954||$163|
|Fusion SEL 4-Dr Sedan||$348||$748||$438||$26||$132||$1,692||$141|
|Fusion Sport 4-Dr Sedan||$348||$748||$438||$26||$132||$1,692||$141|
|Fusion SEL AWD 4-Dr Sedan||$388||$862||$438||$26||$132||$1,846||$154|
|Fusion Sport AWD 4-Dr Sedan||$388||$862||$438||$26||$132||$1,846||$154|
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Data variables include married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Table data does not factor in garaging location in Jacksonville which can impact premiums noticeably.
Buying coverage from the best insurance provider can be a challenge considering how many companies there are to choose from in Jacksonville. The company information shown below may help you decide which coverage providers to look at when buying insurance for a Ford Fusion.
The ratings below include insurance companies that insure vehicles in the majority of U.S. states, so companies that may only write in Florida will not be included in this list. If you wish to compare rates and find the cheapest rates for a Ford Fusion, simply click here.
Top 10 Major Auto Insurers in Jacksonville Ranked by A.M. Best Rating
- Travelers – A++
- USAA – A++
- GEICO – A++
- State Farm – A++
- Titan Insurance – A+
- Esurance – A+
- Progressive – A+
- The Hartford – A+
- Allstate – A+
- Nationwide – A+
Top 10 Major Auto Insurers in Jacksonville Ranked by Customer Service
- Mercury Insurance
- AAA Insurance
- Safeco Insurance
- State Farm
- The Hartford
- The General
Drive responsibly or pay higher rates
The best way to obtain affordable car insurance premiums in Florida for a Fusion is to drive cautiously and not receive tickets or have accidents. The illustration below demonstrates how traffic citations and accident claims impact yearly insurance costs for different age groups of insureds. The rate quotes are based on a married male driver, full coverage, $100 deductibles, and no policy discounts are applied.
In the previous chart, the average cost of auto insurance per year with no violations or accidents is $2,884. Receive one speeding ticket and the average cost surges to $3,305, an increase of $421 each year. Now include two accidents along with the one speeding ticket and the yearly cost of car insurance for a Ford Fusion increases to an average of $6,680. That’s an increase of $3,797, or $316 per month, just for being a little careless behind the wheel!
How to get discounts on Jacksonville car insurance rates
Car insurance companies that offer quotes for a Ford Fusion may also give you price discounts that could reduce prices by 40% or more if you meet certain criteria. Large car insurance companies and a partial list of their discounts are included below.
- 21st Century offers premium reductions for homeowners, driver training, good student, automatic seat belts, and anti-lock brakes.
- Progressive includes discounts for good student, homeowner, continuous coverage, online signing, multi-vehicle, and multi-policy.
- State Farm discounts include multiple autos, good student, safe vehicle, Steer Clear safe driver discount, and good driver.
- Nationwide offers discounts including good student, easy pay, business or organization, defensive driving, family plan, and accident-free.
- Esurance may include discounts for DriveSense, renters, good student, multi-car, Pac-12 alumni, and online shopper.
- The Hartford may offer discounts for good student, bundle, vehicle fuel type, air bag, and defensive driver.
The example below illustrates the difference between premium costs with and without policy discounts. The rate quotes are based on a male driver, no violations or claims, Florida state minimum liability limits, comp and collision included, and $250 deductibles.
The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with homeowner, passive restraint, anti-theft, multiple vehicle, vehicle safety, and defensive driving course discounts applied. When these discounts are applied, theaverage amount saved on car insurance for a Ford Fusion is 28% or $718.
The illustration below illustrates how choosing a deductible can change insurance costs when researching cheap insurance for a Ford Fusion. Data assumes a single male driver, comprehensive and collision coverage, and no discounts are factored in.
The chart above illustrates that a 50-year-old driver could lower rates by $410 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $618 by choosing a $1,000 deductible. Even younger insureds, like the 20-year-old example, could shave as much as $1,354 annually by choosing a higher deductible. If you do make the decision to raise your deductibles, it is a good idea to have additional savings on hand to be able to cover the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.