Buying economical insurance for a Ford Fusion depends on a pretty complex algorithm that uses a lot of factors such as how you use your vehicle, your credit score, and driving citations. Drivers pay on average $1,449 each year to insure their Fusion, but that price is using a 30-year-old single female driver with full coverage and $250 deductibles.
But there is a good chance that you're not a 30-year-old female, married instead of single, or maybe you have a speeding ticket that needs to be factored in. Different coverage needs are the reason why the best method for finding the most affordable coverage for your Ford is to just compare rates yourself.
Your Ford's trim level tends to impact price, so the price you will be charged to insure a Fusion S 4-Dr Sedan model will cost $272 less than the cost to insure the higher-end 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||$292||$546||$460||$28||$138||$1,464||$122|
|Fusion SE 4-Dr Sedan||$330||$644||$460||$28||$138||$1,600||$133|
|Fusion Hybrid 4-Dr Sedan||$330||$742||$576||$34||$172||$1,854||$155|
|Fusion SEL 4-Dr Sedan||$330||$644||$460||$28||$138||$1,600||$133|
|Fusion Sport 4-Dr Sedan||$330||$644||$460||$28||$138||$1,600||$133|
|Fusion SEL AWD 4-Dr Sedan||$368||$742||$460||$28||$138||$1,736||$145|
|Fusion Sport AWD 4-Dr Sedan||$368||$742||$460||$28||$138||$1,736||$145|
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Table data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and South Carolina minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Estimates do not factor in specific South Carolina garaging location which can impact prices greatly.
Establishing which insurers offer the lowest-priced auto insurance rates for a Ford Fusion in South Carolina will involve more work in order to find the best policy.
Every car insurance company uses a little different formula to establish rates, so we need to take a look at the auto insurance companies with the overall best prices in South Carolina.
Find the Cheapest Car Insurance for Your Fusion
|Rank||Company||Cost Per Year|
|5||Southern Farm Bureau||$1,248|
|6||SC Farm Bureau Mutual||$1,286|
|7||National Grange Mutual||$1,321|
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The Hartford generally has some of the best car insurance rates in South Carolina at around $752 per year. This is $857 less than the average rate paid by South Carolina drivers of $1,609. USAA, State Auto, Auto-Owners, and Southern Farm Bureau would also make the list of some of the more affordable South Carolina car insurance companies.
In this example, if you buy coverage from USAA and switched to The Hartford, you could earn savings of about $243. Customers with State Auto could save as much as $353 a year, and Auto-Owners insureds might reduce rates by $401 a year.
Be aware that those premiums are averages across all types of insureds and vehicles and do not take into consideration a specific rate factor for a Ford Fusion. So the car insurance company that can offer the best rates for your situation may not even be in the list above. That's why you need to compare as many prices as possible using your own driver data and vehicle information.
The diagram below shows how choosing a deductible can influence insurance premiums when quoting cheap insurance for a Ford Fusion in South Carolina. The premiums assume a single male driver, full coverage, and no additional discounts are factored in.
The chart above illustrates that a 50-year-old driver could lower their policy premium by $434 a year by increasing from a $100 deductible to a $500 deductible, or save $652 by choosing a $1,000 deductible. Youthful drivers, like the 20-year-old, could reduce their rates as much as $1,452 annually just by choosing higher deductibles when buying full coverage. When insureds make the decision to increase the deductibles on their policy, it is a good idea to have plenty of savings on hand to offset the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.
Liability only or full coverage
Saving money when shopping for auto insurance should be important to most people, and an effective way to reduce the cost of insurance for a Ford Fusion in South Carolina is to not pay for full coverage. The diagram below illustrates the difference between annual premium costs when comparing full coverage to liability only. The premiums assume no violations or accidents, $500 deductibles, drivers are not married, and no policy discounts are applied.
As an average, comp and collision coverage costs $2,057 per year over and above liability coverage. That may make you wonder if paying for full coverage is worth it. There isn't a steadfast formula of when to eliminate physical damage insurance, but there is a general guideline. If the yearly cost of full coverage is about 10% or more of replacement cost minus your deductible, then it might be time to consider dropping full coverage.
Tips to find economical car insurance for a Ford Fusion in South Carolina
Below you'll find some money-saving suggestions that can help drivers quote low-cost coverage.
- Avoid price increases by not filing claims
- Do not pay for full coverage if not needed
- Maintain a safe distance and avoid accidents
- Buying car and homeowners insurance together can save money
- Keep your driving record clean
- Buy safe vehicles
- Shop around and save
That last tip is extraordinarily critical, as we noted in the article above. Car insurance rates fluctuate constantly, so don't be hesitant to buy a policy from a new company if a lower price can be found.
We understand brand loyalty, but it isn't a good idea if that dedication is costing thousands of dollars over the life of your policy. Now is a great time to compare prices to find cheaper insurance for a Ford Fusion.