Cheap Rate Quotes for Ford Fusion Insurance in Fort Worth

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Discount Ford Fusion insuranceReally, the only way to find affordable quotes for auto insurance rates in Fort Worth is to compare prices regularly from insurers who sell insurance in Texas.

  1. Learn about how insurance companies determine prices and the factors you can control to prevent rate increases. Many risk factors that cause rate increases such as accidents, traffic violations, and an unacceptable credit score can be rectified by making minor changes to your lifestyle. Keep reading for instructions to keep prices down and get additional discounts.
  2. Request rate estimates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from a single company like GEICO or Allstate, while independent agencies can quote rates from multiple companies.
  3. Compare the quotes to your current policy to see if you can save by switching companies. If you find a lower rate quote and switch companies, make sure there is no lapse between the expiration of your current policy and the new one.

The most important part of shopping around is to use the same deductibles and limits on every price quote and to quote with as many companies as you can. Doing this helps ensure a fair price comparison and a complete price analysis.

Unbelievable but true according to a study most insurance policyholders in Texas have remained with the same insurance company for at least four years, and nearly the majority have never shopped around. American drivers can cut their rates by as much as 46.5% a year by just shopping around, but they just don't understand how easy it is to save money by comparing rate quotes.

If you are already insured or just want cheaper coverage, you can learn to get lower rates without sacrificing coverage. Finding the cheapest auto insurance coverage in Fort Worth can initially seem challenging. Shoppers just have to learn the tricks to shop for auto insurance on the web.

Low Cost companies for Ford Fusion insurance in Texas

The providers in the list below can provide free quotes in Texas. If the list has multiple companies, we suggest you visit as many as you can to get a more complete price comparison.

Analysis of Ford Fusion rates

The coverage table shown below showcases different policy rates for Ford Fusion models. Having a good understanding how insurance prices are calculated can assist in making informed coverage decisions.

Ford Fusion Insurance Rates in Fort Worth, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $322 $682 $462 $28 $138 $1,632 $136
Fusion SE 4-Dr Sedan $362 $802 $462 $28 $138 $1,792 $149
Fusion Hybrid 4-Dr Sedan $362 $924 $576 $34 $172 $2,068 $172
Fusion SEL 4-Dr Sedan $362 $802 $462 $28 $138 $1,792 $149
Fusion Sport 4-Dr Sedan $362 $802 $462 $28 $138 $1,792 $149
Fusion SEL AWD 4-Dr Sedan $404 $924 $462 $28 $138 $1,956 $163
Fusion Sport AWD 4-Dr Sedan $404 $924 $462 $28 $138 $1,956 $163
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Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Rates do not factor in vehicle garaging location which can affect prices noticeably.

Raise deductibles and save

One of the most common insurance questions is the level to set your comp and collision deductibles. The tables below highlight how much more you'll pay when you buy lower versus higher deductibles. The first set of rates uses a $250 deductible for physical damage and the second price grid uses a $500 deductible.

Ford Fusion insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $294 $496 $382 $22 $114 $1,333 $111
Fusion SE 4-Dr Sedan $332 $584 $382 $22 $114 $1,459 $122
Fusion Hybrid 4-Dr Sedan $332 $672 $476 $28 $142 $1,675 $140
Fusion SEL 4-Dr Sedan $332 $584 $382 $22 $114 $1,459 $122
Fusion Sport 4-Dr Sedan $332 $584 $382 $22 $114 $1,459 $122
Fusion SEL AWD 4-Dr Sedan $370 $672 $382 $22 $114 $1,585 $132
Fusion Sport AWD 4-Dr Sedan $370 $672 $382 $22 $114 $1,585 $132
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Ford Fusion insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $240 $400 $382 $22 $114 $1,158 $97
Fusion SE 4-Dr Sedan $270 $472 $382 $22 $114 $1,260 $105
Fusion Hybrid 4-Dr Sedan $270 $542 $476 $28 $142 $1,458 $122
Fusion SEL 4-Dr Sedan $270 $472 $382 $22 $114 $1,260 $105
Fusion Sport 4-Dr Sedan $270 $472 $382 $22 $114 $1,260 $105
Fusion SEL AWD 4-Dr Sedan $300 $542 $382 $22 $114 $1,360 $113
Fusion Sport AWD 4-Dr Sedan $300 $542 $382 $22 $114 $1,360 $113
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Table data does not factor in vehicle garaging location which can revise auto insurance rates considerably.

Using the data above, we can ascertain that using a $250 deductible will cost you about $17 more each month or $204 each year averaged for all Fusion models than selecting the higher $500 deductible. Since you would pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you normally go at a minimum 15 months between claims, you would probably save some money by selecting a higher deductible. The table below shows how this determination is made.

Average monthly premium for $250 deductibles: $126
Average monthly premium for $500 deductibles (subtract): - $109
Monthly savings from raising deductible: $17
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $17
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 15 months

One important caveat is that increasing deductibles to save money means you will have to pay more of your own money when you have a claim. You need to have enough money put aside in order to pay the higher deductible in order to repair your vehicle.

The information below illustrates how your deductible choice and can increase or decrease Ford Fusion premium costs for different categories of driver ages. The rates are based on a married male driver, comprehensive and collision coverage, and no policy discounts are applied.

Get lower-cost rates by earning discounts

Companies that sell car insurance don't necessarily list every discount they offer very well, so the following list contains some of the more common and the more hidden credits available to you. If you don't get every credit you deserve, you could be saving more on your car insurance.Cheaper car insurance with discounts

  • Safety Restraint Discount - Drivers who require all vehicle occupants to buckle up before driving can save up to 15% off the personal injury premium cost.
  • Government Employee Discount - Active or former government employment can save as much as 8% with a few car insurance companies.
  • Homeowners Savings - Owning your own home or condo can save a few bucks since home ownership is proof that your finances are in order.
  • Defensive Driving Course - Taking a course teaching driver safety skills may get you a small discount and make you a better driver.
  • Theft Prevention Discount - Vehicles that have factory alarm systems and tracking devices are stolen less frequently and therefore earn up to a 10% discount.
  • Bundled Policy Discount - If you insure your home and vehicles and insure them both with the same insurance company you could earn a discount of at least 10 to 15 percent or more.
  • ABS Brakes - Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.
  • Discount for Life Insurance - Not every insurance company offers life insurance, but if they do you may earn a discounted rate on car insurance if you buy some life insurance too.
  • Student Discount for Driver Training - Make teen driver coverage more affordable by requiring them to take driver's ed class if it's offered in school.
  • Smart Student Discounts - Excelling in school can earn a discount of 20% or more. You can use this discount normally up until you turn 25.

Don't be surprised that most discounts do not apply to the overall cost of the policy. Most only reduce specific coverage prices like liability and collision coverage. Even though it may seem like having all the discounts means you get insurance for free, car insurance companies aren't that generous.

The illustration below compares Ford Fusion car insurance costs with and without discounts applied to the policy rates. The premium estimates are based on a male driver, no claims or driving violations, Texas state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, homeowner, marriage, multi-car, and claim-free discounts applied.

For a list of car insurance companies with discount rates in Fort Worth, click here.

Fort Worth Insurance Costs are Influenced by These Factors

Multiple criteria are part of the equation when you quote your car insurance policy. Some factors are common sense like a motor vehicle report, but other factors are more obscure like your vehicle usage or your commute time.

  • Gender and insurance - Statistics demonstrate females are less aggressive when driving. Now that doesn't mean women are BETTER drivers than men. Both genders are responsible for auto accidents in similar numbers, but the male of the species tend to have more serious accidents. Men also tend to receive more major tickets like reckless driving and DUI.

    The example below shows the comparison of Ford Fusion annual premium costs for male and female drivers. Data assumes no claims or driving citations, full coverage, $250 deductibles, single marital status, and no other discounts are factored in.

  • Do you really need the extra coverages? - There are many extra bells and whistles that may not really be needed if you aren't diligent. Insurance for things like rental car coverage, high-cost glass coverage, and extra equipment coverage are some examples. They may seem like a good idea initially, but your money might be better spent on other coverage so get rid of them and save.
  • Influences performance influences auto insurance costs - The make and model of the car you own makes a big difference in your premium level. The lowest base rates are usually found on smaller low performance passenger vehicles, but many other things help determine your insurance rates.

    The data below uses these assumptions: single female driver age 40, full coverage with $250 deductibles, and no discounts or violations. It illustrates Ford Fusion insurance rates compared to other vehicles that have different performances.

  • Don't get traffic citations - Attentive drivers have lower premiums than their less careful counterparts. Even a single moving violation can bump up the cost substantially. Drivers who get flagrant tickets like DUI or reckless driving are required to submit a SR-22 or proof of financial responsibility with their state's department of motor vehicles in order to continue driving.

    The chart below highlights how traffic violations and at-fault collisions can increase Ford Fusion insurance premiums for each different age group. Data assumes a married male driver, full physical damage coverage, $1,000 deductibles, and no discounts are factored in.

  • Lower rates by staying claim free - If you frequently file small claims, you can expect either policy cancellation or increased premiums. Auto insurance companies in Texas provide better rates to drivers who do not file claims often. Insurance coverage is intended to be relied upon for the large, substantial claims.
  • More people means more accidents - Living in areas with lower population has definite advantages when trying to find low car insurance rates. Less people living in that area translates into fewer accident claims and also fewer theft and vandalism claims. People in densely populated areas regularly have more traffic problems and much longer commute distances. Higher commute times means more chances of being involved in an auto accident.
  • Claims statistics for a Ford Fusion - Companies use historical loss data to calculate a price that will offset losses. Models that the statistics show to have higher losses will have a higher premium rate.

    The table below outlines the insurance loss data used by companies for Ford Fusion vehicles. For each type of coverage, the statistical loss for all vehicles compiled together is a value of 100. Values that are 100 or less represent a good loss history, while numbers above 100 indicate more frequent losses or an increased likelihood of larger losses.

    Insurance Loss Ratings for Ford Fusion Vehicles
    Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
    Ford Fusion 2WD 110 95 108 116 111 105
    Ford Fusion 4WD 115 85 120 88 77 71
    Ford Fusion Hybrid 125 97 98 92 93 95
    Ford Fusion Plug-in Hybrid 128 87 91 88 91 107

    Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Insurance agents near you

Many people just prefer to have an agent's advice and that can be a great decision Licensed agents are very good at helping people manage risk and give you someone to call. A good thing about getting free rate quotes online is the fact that you can find cheap insurance quotes but still work with a licensed agent.

Insurance agents in Fort WorthTo find an agent, once you fill out this simple form, the coverage information is transmitted to companies in Fort Worth that can give you free Fort Worth auto insurance quotes for your business. It's much easier because you don't need to drive around since price quotes are sent to you. If you want to compare prices from a specific insurance provider, feel free to visit that company's website to submit a rate quote request.

Selecting an insurer requires you to look at more than just the premium amount. Here are some questions you should ask.

  • Do they prorate repair cost based on vehicle mileage?
  • Can they provide you with a list of referrals?
  • Do they review policy coverages at every renewal?
  • Do they carry Errors and Omissions coverage?
  • Does the agency support the community they serve?

Upon receiving positive feedback to these questions as well as a affordable price, most likely you have located an insurance company that will service your policy.

In the end, you can save money

Some insurance providers do not provide online rate quotes and most of the time these smaller companies sell through independent agents. Low-cost Ford Fusion insurance in Fort Worth can be purchased from both online companies and also from your neighborhood Fort Worth agents, so you should be comparing quotes from both to have the best selection.

We just presented some good ideas how you can save on Ford Fusion insurance in Fort Worth. The key thing to remember is the more providers you compare, the better likelihood of getting affordable Ford Fusion insurance quotes. Drivers may even discover the lowest car insurance rates come from the smaller companies. They may often insure only within specific states and give better rates compared to the large companies like GEICO and State Farm.

When trying to cut insurance costs, make sure you don't buy less coverage just to save a little money. In too many instances, someone dropped full coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. The goal is to buy enough coverage for the lowest price, but do not sacrifice coverage to save money.

Much more information about auto insurance in Texas can be read on the following sites: