How Much Is Auto Insurance for a Ford Fusion?
The average annual premium for a Ford Fusion is $336 for minimum coverage and $1,674 for full coverage. Full coverage is typically required if you are financing or leasing, while those who own can get away with the required state liability car insurance.
One is more expensive, but offers greater peace of mind, since it offers protection against collisions and also offers comprehensive, which protects you against things like theft.
The other is the cheapest coverage for a Fusion, and consists of the liability your state requires all drivers to carry. At Freeway, you can get several options to see which offers you the best protection with your budget.
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Comparing Costs to Other Vehicles
Insurance costs differ from rivals like the Honda Accord, Mazda 3, Toyota Camry, and Nissan Altima. Reasons include your model’s reliability record, safety features, model years, and the cost of parts and labor.
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Types of Coverage for Your Sedan
Besides full and state-required minimum, motorists can choose from a variety of other types of insurance. You may find that liability will work for you, however many drivers choose the better protection they get from an enhanced level of coverage.
Full coverage applies to policies with liability, plus comprehensive and collision. It protects drivers against scenarios not covered by a state minimum liability policy, such as repairs for at-fault damages and theft.
Adding full coverage to your policy will cost more than a liability-only policy. Premiums are subject to change based on your age, gender, make/model of vehicle, and opted deductible and liability limits. Fortunately, you can cut the cost of this policy by opting for higher deductibles and lower liability limits to pose less risk to your insurer.
We recommend full over a state minimum liability policy for greater peace of mind.
State Minimum Liability
Most drivers can enroll in a state minimum liability plan with bodily injury and property damage.
Each state has required minimum liability requirements. In some states, drivers are required to carry additional protection, such as uninsured motorist and some sort of medical payments like MedPay or Personal Injury Protection (PIP).
For example, Louisiana drivers must carry liability limits of $15,000 for bodily injury (per person), $30,000 for bodily injury (per accident), and $25,000 for property damage.
In turn, Texas drivers must meet liability limits of $30,000 for bodily injury per person), $60,000 for bodily injury (per accident), and $25,000 in property damage liability per accident.
Note, if you are determined to be at fault in a crash, state minimum liability helps to cover injuries or damages to others. However, it does not cover injuries or damages you or your vehicle sustained.
How Does a DUI Affect Rates for My Sedan?
If you are a driver convicted of a DUI, insurers now classify you as riskier to insure. As a result, you will be forced to pay for a more expensive policy, with premiums doubling or tripling.
Other consequences include one or more administrative fees, reinstatement fees, and suspension of your registration and driver’s license until proof of insurance is provided.
How much insurance rates increase after DUI convictions depend on several factors, including your age, gender, number of past accidents, and date of most recent claim. Insurers could even outright cancel your policy if you are convicted of two or more DUIs, speeding tickets, or other violations within a short period.
You may also be required to file an SR-22, a certificate of financial responsibility that tells your state you carry the minimum coverage required by law. Other reasons for filing SR-22 include too many at-fault accidents, repeated offenses within six months, and driving uninsured or underinsured.
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What Are Some Auto Insurance Discounts for Ford Drivers?
Most Ford Fusion drivers are eligible for auto insurance discounts.
- Arguably, the number one available is a “Good Driver” discount, which lowers rates in exchange for keeping a clean driving record for the past 3 to 5 years.
- Another one that might hold the title for having the largest impact on your rates is the bundling discount. Combining two or more policies with the same insurer results in significantly lower rates.
- Others are awarded based on drivers’ lowering risk profiles, such as installing an anti-theft device, driving less than 7,500 miles a year, and enrolling in defensive driving courses.
- Other types include policy-related discounts. For example, renewing your policy early, paying your entire premium upfront and enrolling in autopay and paperless billing are just three ways to save.
To see what, if any, discounts you qualify for, we recommend calling your provider every six months.
What Are Some of the Characteristics of the Fusion?
Discontinued for the 2021 model year, older versions place it in the midsize sedan segment. It comes in four trim levels: S, SE, SEL, and Titanium. In addition, it offers the choice of two engines: a 2.0-liter turbo-four and a turbocharged 1.5-liter EcoBoost four-cylinder engine.
All models come with an 8-inch touch screen, Apple Carplay, and Android Auto integration. Its highest-level trim, the Titanium, comes with a 12-speaker Sony stereo, moonroof, heated steering wheel, and ventilated front seats.
Main competitors are the Honda Accord, Mazda 3, Toyota Camry, and Nissan Altima.
Find the Best Car Insurance Rates Online for Ford Fusion Today
Freeway Insurance is more than ready to present several affordable policy options. Ready to request a quote? You can visit us online, stop by one of our offices, or call us at 800-777-5620 for a free, no-obligation consultation with one of our friendly agents.