Cheapest Insurance for a Ford Fusion in New Jersey

Cheapest Insurance for a Ford Fusion in New Jersey

Since we’re writing about auto insurance, the word “cheap” really should not be used anywhere in the article as a descriptor for car insurance rates. It’s just reality that cheap car insurance for a Ford Fusion just does not exist. Don’t let that bother you, though, because we will show you how you can quote insurance that doesn’t break your budget.

Finding the best cheap auto insurance for a Ford Fusion in New Jersey is dependent upon lots of different rating factors like how far you commute, the performance level of your vehicle, and driving violations. New Jersey drivers pay an average of $1,430 annually to insure their Fusion, but that price is an estimation using rating data for a 30-year-old married female driver that wants full coverage including both comprehensive and collision and $500 physical damage deductibles.

There is a good chance you are not exactly 30 years old and possibly not even female, you might be single instead of married, or maybe you just want liability only instead of full coverage. What people think is a minor change in policy rating data may result in significant differences in rates.

Every policy is rated specifically for the driver, so the best method for finding the cheapest coverage for your Ford is to just take the time to do a thorough rate comparison. It’s really quite easy you can get prices from some of the best insurers that offer coverage in New Jersey.

Find Cheaper Ford Fusion Insurance

Your Ford’s trim level will be a contributing factor to the coverage cost, so the rate you pay to insure a Fusion S 4-Dr Sedan will cost $252 less than the insurance cost for the higher-priced Fusion Sport AWD 4-Dr Sedan trim level, as shown below.

Ford Fusion Insurance Rates in New Jersey
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $292 $494 $490 $30 $146 $1,452 $121
Fusion SE 4-Dr Sedan $330 $582 $490 $30 $146 $1,578 $132
Fusion Hybrid 4-Dr Sedan $330 $670 $612 $36 $184 $1,832 $153
Fusion SEL 4-Dr Sedan $330 $582 $490 $30 $146 $1,578 $132
Fusion Sport 4-Dr Sedan $330 $582 $490 $30 $146 $1,578 $132
Fusion SEL AWD 4-Dr Sedan $368 $670 $490 $30 $146 $1,704 $142
Fusion Sport AWD 4-Dr Sedan $368 $670 $490 $30 $146 $1,704 $142
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Cost estimates assume married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and New Jersey minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Price estimates do not factor in New Jersey location which can increase or decrease prices noticeably.

Buying coverage from a high-quality insurance provider can be rather challenging considering how many companies sell coverage in New Jersey. The information shown below could help you decide which car insurance companies to look at when trying find the best insurance for a Ford Fusion. The ratings below are for companies that insure vehicles across America, so smaller companies that only insure vehicles in New Jersey are not included in the list.

New Jersey Car Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Mercury Insurance 87 96 100 87% A+ 93.4
The Hartford 88 96 91 93% A+ 92.6
Progressive 84 94 99 90% A+ 92.4
Travelers 84 93 100 87% A++ 92.3
State Farm 84 93 95 87% A++ 91
Farmers Insurance 87 92 90 85% A 90.6
Safeco Insurance 85 91 87 86% A 88.4
USAA 71 93 98 87% A++ 88
GEICO 73 93 95 85% A++ 87.1
21st Century 85 85 91 89% A 86.9
Liberty Mutual 72 91 97 83% A 86.4
AAA Insurance 85 85 88 86% A 85.8
Nationwide 71 90 93 83% A+ 84.9
Allstate 69 92 92 83% A+ 84.4
American Family 77 96 80 85% A 83.8
Esurance 70 80 89 77% A+ 79.2
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Data Source: Insure.com Best Car Insurance Companies

Illustration showing the impact of accidents and violations

The recommended way to find the cheapest insurance for a Ford Fusion in New Jersey is to drive safely and avoid at-fault accidents and violations. The diagram below shows how speeding tickets and accidents can drive up insurance premiums for each age group. The premium estimates are based on a single male driver, full coverage, $1,000 deductibles, and no discounts are taken into consideration.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and One Accident’],[‘Age 20’, 4347,5161,5991],[‘Age 30’, 2267,3083,3915],[‘Age 40’, 2219,3033,3865],[‘Age 50’, 2027,2841,3671],[‘Age 60’, 1967,2781,3613],[‘Age 70’, 2435,3251,4083]]);var options = {title: ‘Effect of Violations and Accidents on New Jersey Ford Fusion Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Ford Fusion in New Jersey’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the chart above, the average cost of auto insurance per year with no accidents and a clean driving record is $2,544. Add in two speeding tickets and the average cost swells to $3,358, an increase of $815 each year. Now add in one accident along with the two speeding tickets and the yearly cost of car insurance for a Ford Fusion jumps again to an average of $4,190. That’s an increase of $1,646, or $137 per month, just for not being attentive to the road!

The information below highlights how deductible choice can affect insurance prices when quoting cheap insurance for a Ford Fusion. The data assumes a single male driver, comp and collision included, and no discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 6729,6057,5329,4645],[‘Age 30’, 3419,3111,2753,2407],[‘Age 40’, 3435,3101,2727,2369],[‘Age 50’, 3109,2813,2479,2161],[‘Age 60’, 3001,2717,2399,2095],[‘Age 70’, 3605,3279,2921,2583]]);var options = {title: ‘Effect of Higher Deductibles on Ford Fusion Insurance Rates in New Jersey’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Ford Fusion’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

The chart above illustrates that a 50-year-old driver could cut expenses by $630 a year by changing from a $100 deductible to a $500 deductible, or save $948 by selecting a $1,000 deductible. Even younger insureds, like the 20-year-old category, have the ability to save as much as $2,084 every year by choosing larger deductibles on their policy. If you do raise deductibles, it’s a good idea to have enough spare savings to pay the extra out-of-pocket expense, which deters some people from using high deductibles.