Finding economical insurance for a Ford Fusion hinges on a lot of things such as the safety rating of your vehicle, your profession, and driving violations. New York drivers pay approximately $1,032 each year for Fusion insurance, but that amount is a projection based upon a 30-year-old single male driver with both comprehensive and collision coverage and $250 deductibles.
More likely than not, you are not 30 years old and maybe not even male, you might be married instead of single, or maybe your Fusion doesn’t need full coverage. Just a very minor change in the rating criteria used to formulate rates could end up with a large change in policy price.
Different coverage needs are the reason why the way we recommend to find cheap insurance prices for your Ford is to do a thorough rate comparison.
The specific model of Fusion tends to have a direct effect on the annual cost of coverage, so the rate you pay to insure a Fusion S 4-Dr Sedan trim level will be $184 less than the price to insure the higher-priced Fusion Sport AWD 4-Dr Sedan model, as demonstrated by the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Fusion S 4-Dr Sedan||$234||$344||$346||$20||$104||$1,048||$87|
|Fusion SE 4-Dr Sedan||$264||$406||$346||$20||$104||$1,140||$95|
|Fusion Hybrid 4-Dr Sedan||$264||$468||$434||$26||$130||$1,322||$110|
|Fusion SEL 4-Dr Sedan||$264||$406||$346||$20||$104||$1,140||$95|
|Fusion Sport 4-Dr Sedan||$264||$406||$346||$20||$104||$1,140||$95|
|Fusion SEL AWD 4-Dr Sedan||$294||$468||$346||$20||$104||$1,232||$103|
|Fusion Sport AWD 4-Dr Sedan||$294||$468||$346||$20||$104||$1,232||$103|
|Get Your Own Custom Quote Go|
Above prices assume single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and New York minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Rates do not factor in specific location which can decrease or increase rates noticeably.
Insuring your vehicle with a highly-rated insurance provider is hard considering how many different insurance companies sell coverage in New York. The rank data shown next may help you pick which providers you want to consider when comparing rate quotes.
The rankings below are only comprised of major nationwide insurance companies, so companies without a large exposure are not included in this list. If you’d like to compare prices from these top-rated insurers and more, click here.
Top 10 Large Auto Insurance Providers Overall in Buffalo
- The General
- Mercury Insurance
- The Hartford
- State Farm
- Farmers Insurance
- Erie Insurance
- Safeco Insurance
Top 10 Large Auto Insurance Providers in Buffalo Ranked by Claims Service
- Liberty Mutual
- State Farm
- The General
- The Hartford
- 21st Century
Rate comparison of full coverage and liability-only
Saving money when shopping for car insurance is probably important to the majority of vehicle owners, and one good way to save on the cost of insurance for a Ford Fusion is to not buy comprehensive and collision coverage. The example below illustrates the difference between premium costs with and without physical damage coverage. The premiums are based on a clean driving record, no claims, $500 deductibles, single marital status, and no discounts are taken into consideration.
Averaged for all age groups, physical damage coverage costs $1,719 per year more than just buying liability insurance. That is a large expense and it proposes the question if full coverage is worth the money. There is no definitive guideline to eliminate comprehensive and collision coverage on your policy, but there is a guideline you can use. If the annual cost of coverage is more than about 10% of replacement cost minus your deductible, then you might want to think about dropping full coverage.
For example, let’s pretend your vehicle’s book value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most you would receive is $4,000 after you pay the deductible. If you are paying more than $400 annually for physical damage coverage, then you may want to consider only buying liability coverage.
Insurance rate increases from tickets or accidents
The ideal way to receive low car insurance premiums for a Fusion is to be a good driver and avoid traffic citations and accidents. The chart below illustrates how violations and accidents raise insurance prices for different age categories. Data assumes a married male driver, comp and collision included, $1,000 deductibles, and no other discounts are factored in.
In the previous example, the average cost of auto insurance in New York per year with no accidents and a clean driving record is $1,281. Receive one speeding ticket and the average cost swells to $1,472, an increase of $191 each year. Then throw in two accidents along with the one speeding ticket and the yearly cost of car insurance for a Ford Fusion goes up to an average of $3,185. That’s an increase of $1,905, or $159 per month, just for not driving safely!
How to find more affordable car insurance for a Ford Fusion
The list below summarizes a few thrifty suggestions that can help New York drivers locate cheaper coverage.
- Increase deductibles to save money
- Buying home and auto insurance together can earn discounts
- Save money by insuring older vehicles for liability only
- Higher credit ratings may save you money
- Vehicles with safetly features generally cost less to insure
- Earn a discount by not filing claims
- Comparison shop at least every other year
That last idea is especially important, as we stressed in this piece. Insurance prices can be modified anytime, so don’t hesitate to switch to a new company if a more affordable price is available.
Many drivers have brand loyalty and that’s fine, but it isn’t a good idea if that devotion results in you overpaying several hundred dollars every year. Take a couple minutes and shop around and find cheaper car insurance for a Ford Fusion in Buffalo.
The agents below can most likely help you decide which car insurance policy is best, as some drivers aren’t sure which coverage they need and prefer to get some help when shopping for the best coverage for a Fusion. It’s not always simple to find the cheapest rate yourself, and insurance agents can bring satisfaction knowing your coverage gives you enough coverage when you need it. To find an auto insurance agency by location nearest to you, click the button following the list.
Niagara Montauk Insurance
1547 Hertel Ave – Buffalo, NY 14216 – (716) 800-4282
Cielinski Richard Insurance Agency
2916 William St – Buffalo, NY 14227 – (716) 892-5154
361 Delaware Ave – Buffalo, NY 14202 – (716) 849-8618