Finding affordable car insurance for a Ford Fusion in Indiana hinges on a pretty complex algorithm that uses a lot of factors such as how far you commute, whether or not you have prior claims, and your choice of deductibles. Drivers will pay on average $1,103 a year to insure their Fusion, but that amount is calculated using a 40-year-old single female driver with both comprehensive and collision coverage and $250 deductibles.
There is a good probability you’re not a 40-year-old female, married instead of single, or maybe you’re a renter instead of a homeowner. There is no perfect policy for every driver, so the best way to find cheap auto insurance rates for your Ford is to do the rate comparisons yourself. Quotes only take a couple of minutes and you will receive prices from some of the best insurers that sell coverage in Indiana.
Your vehicle’s trim level will likely have an effect on the insurance rate, so the cost to insure a Fusion S 4-Dr Sedan will be $200 less expensive the cost to insure the higher-end Fusion Sport AWD 4-Dr Sedan trim level, as demonstrated by the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion S 4-Dr Sedan | $208 | $414 | $364 | $22 | $110 | $1,118 | $93 |
| Fusion SE 4-Dr Sedan | $236 | $486 | $364 | $22 | $110 | $1,218 | $102 |
| Fusion Hybrid 4-Dr Sedan | $236 | $560 | $456 | $28 | $136 | $1,416 | $118 |
| Fusion SEL 4-Dr Sedan | $236 | $486 | $364 | $22 | $110 | $1,218 | $102 |
| Fusion Sport 4-Dr Sedan | $236 | $486 | $364 | $22 | $110 | $1,218 | $102 |
| Fusion SEL AWD 4-Dr Sedan | $262 | $560 | $364 | $22 | $110 | $1,318 | $110 |
| Fusion Sport AWD 4-Dr Sedan | $262 | $560 | $364 | $22 | $110 | $1,318 | $110 |
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Data rating is based on single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Indiana minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Price estimates do not factor in vehicle location which can change insurance rates considerably.
Car insurance companies ranked
Selecting a highly-rated insurer can be rather challenging considering how many different companies there are to choose from in Indiana. The company rank data displayed below may help you choose which companies you want to consider when trying to find the cheapest insurance for a Ford Fusion.
These ratings include large, nationwide insurance companies, so companies without a large exposure are not included in the list. If you’d like to compare prices from the most competitive companies in Indiana, click this link.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 99 | 100 | 90 | 92% | A++ | 97.4 |
| 21st Century | 89 | 86 | 100 | 88% | A | 92.7 |
| GEICO | 97 | 91 | 88 | 85% | A++ | 92.5 |
| Nationwide | 88 | 94 | 91 | 88% | A+ | 91.3 |
| AAA Insurance | 93 | 87 | 88 | 87% | A | 90.8 |
| Liberty Mutual | 91 | 91 | 92 | 87% | A | 90.7 |
| Safeco Insurance | 90 | 93 | 88 | 86% | A | 90.2 |
| State Farm | 91 | 94 | 80 | 88% | A++ | 90.2 |
| Travelers | 89 | 91 | 94 | 79% | A++ | 90.1 |
| American Family | 88 | 92 | 83 | 88% | A | 89.4 |
| Titan Insurance | 89 | 91 | 83 | 86% | A+ | 89.3 |
| Allstate | 90 | 90 | 84 | 85% | A+ | 89.1 |
| Progressive | 83 | 85 | 99 | 87% | A+ | 88.7 |
| Erie Insurance | 92 | 90 | 82 | 88% | A+ | 88.5 |
| The Hartford | 87 | 89 | 84 | 87% | A+ | 88 |
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Data Source: Insure.com Best Car Insurance Companies
Rate comparison of full coverage and liability-only
Reducing the cost of car insurance should be important to the majority of people, and one easy way to find cheaper insurance for a Ford Fusion is to buy liability only. The illustration below shows the difference between annual premium costs when comparing full coverage to liability only. The rate quotes are based on a clean driving record, no claims, $250 deductibles, single status, and no discounts are taken into consideration.
Averaged out for all age groups, full coverage costs $1,906 per year over liability only. That is a big expense that brings up the question if physical damage coverage is worth the money. There isn’t a steadfast formula of when to drop physical damage insurance, but there is a general school of thought. If the annual cost of having full coverage is about 10% or more of the replacement cost minus the deductible, then you might want to think about dropping full coverage.
There are a few situations where eliminating full coverage is not a good idea. If you still have a lienholder on your title, you have to keep full coverage to satisfy the loan requirements. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should keep full coverage.
Get discounts on Fort Wayne car insurance
Car insurance companies that provide policies for a Ford Fusion may additionally offer rate discounts that could potentially reduce rates by as much as 35% or more if you can meet the requirements. Large car insurance companies and their offered discounts include:
- Progressive may include discounts for good student, continuous coverage, online signing, multi-vehicle, homeowner, online quote discount, and multi-policy.
- The Hartford policyholders can earn discounts including air bag, anti-theft, good student, vehicle fuel type, defensive driver, driver training, and bundle.
- Mercury Insurance has discounts for multi-policy, good driver, type of vehicle, location of vehicle, anti-theft, and low natural disaster claims.
- GEICO includes discounts for air bags, seat belt use, multi-vehicle, defensive driver, good student, and multi-policy.
- AAA may offer discounts for pay-in-full, anti-theft, good student, multi-policy, and education and occupation.
- State Farm offers premium reductions for Steer Clear safe driver discount, good student, multiple autos, passive restraint, and good driver.
The illustration below illustrates the comparison of insurance rates with and without some available policy discounts. The data is based on a female driver, no claims or driving citations, Indiana state minimum liability limits, full coverage, and $250 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second shows the rates with claim-free, anti-theft, multiple vehicle, defensive driving course, safe-driver, and vehicle safety discounts applied. In this example, theamount saved on car insurance for a Ford Fusion is 28% or $539.
How to find the cheapest car insurance for a Ford Fusion
Lowering your rates is not difficult, and here are some of the recommended penny-pinching ideas that can help drivers buy cheap car insurance.
- Drive vehicles with five-star safety ratings
- Home or renters coverage can save on auto insurance
- Avoid filing small claims
- Do not get into accidents that are your fault
- Do not get traffic violations
- Save money by insuring older vehicles for liability only
- Shop around for cheaper prices often
That final tip is notably critical, as we hit on in the prior information. Coverage prices in Fort Wayne can change considerably in a year, so don’t hesitate to switch companies if you find a better deal. Many drivers tend to have loyalty to a certain company, but it’s not a great idea if that devotion results in you overpaying lots of hard earned cash every month. Now is a great time to shop around and find cheaper car insurance for a Ford Fusion.
The agencies below can help you determine which coverages you need, since many people would rather have a little guidance when trying to find lower insurance rates for a Ford Fusion. It can be challenging to find the cheapest auto insurance company, and professional agents can provide you peace of mind knowing your policy gives you suitable coverage if you have an accident.
To find an agent in your neighborhood, click the link at the bottom or click here to compare price quotes now.
- Sam Till Jr – State Farm Insurance Agent
615 Goshen Ave – Fort Wayne, IN 46808 – (260) 482-9623 - Nationwide Insurance: Thompson Insurance and Financial Services Inc
10355 Dawsons Creek Blvd A – Fort Wayne, IN 46825 – (260) 347-4722 - The DeHayes Group
5150 W Jefferson Blvd – Fort Wayne, IN 46804 – (260) 424-5600 - Melissa Satterthwaite – State Farm Insurance Agent
7757 Coldwater Rd – Fort Wayne, IN 46825 – (260) 489-5503