Cheap Insurance for a Ford Fusion in Alabama

Our editors have a joke that when writing about car insurance, the words “affordable” or “cheap” really should not be used anywhere to describe car insurance prices. Notwithstanding, cheap auto insurance for a Ford Fusion can be hard to find. But don’t let that discourage you, because we are going to tell you how you can find auto insurance that is more affordable than your current policy.

Finding the best cheap auto insurance for a Ford Fusion in Alabama depends on a lot of different factors like if you rent or own your home, if you have a coverage lapse, and if you have any chargeable driving offenses. Drivers in Alabama pay approximately $1,000 a year to buy Ford Fusion insurance, but that rate is a valuation using rate data for a 50-year-old married male who requires full physical damage coverage and $250 deductibles.

There is a high likelihood that you may not be 50 years old (or even male), you might be single instead of married, or maybe you want different physical damage deductibles. There is no “one size fits all” policy, so the most reliable method for finding affordable rates for your Ford is to compare as many rates as possible. Quotes are always free and you will receive prices from the best auto insurance companies available.

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The trim level of your Ford will most likely have an effect on price, so the rate you pay to insure a Fusion S 4-Dr Sedan will be $184 lower than the insurance cost for the more well-appointed Fusion Sport AWD 4-Dr Sedan trim level, as demonstrated by the prices below.

Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Alabama minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Information does not factor in zip code location which can decrease or increase coverage prices substantially.

Buying coverage from the right insurer can be rather challenging considering how many different companies insure vehicles in Alabama. The ranking data in the lists below could help you pick which coverage providers you want to consider when looking for cheaper rates. These ratings are only made up of the largest auto insurers in America, so companies without a large exposure are not factored into the list.

Top 10 Large Car Insurance Companies Overall in Alabama

1. Travelers
2. USAA
3. AAA Insurance
4. Nationwide
5. Allstate
6. State Farm
7. The Hartford
8. Safeco Insurance
9. Progressive
10. American Family

Top Companies for Ford Fusion Insurance in Alabama

Impact of careless driving on Alabama car insurance rates

The easiest way to earn low car insurance prices in Alabama for a Fusion is to be an attentive driver and avoid accidents and keep your driving record clean. The chart below shows how speeding tickets and at-fault accidents impact insurance prices for different age groups. The premiums assume a single male driver, comp and collision included, $1,000 deductibles, and no policy discounts are applied.

In the previous example, the average cost of a car insurance policy in Alabama per year with no violations or accidents is $1,910. Add in one speeding ticket and the average cost hikes up to $2,152, an increase of $242 each year. Now get one accident along with the one speeding ticket and the 12-month cost of car insurance for a Ford Fusion jumps again to an average of $2,836. That’s an increase of $926, or $77 per month, just for being a less-than-perfect driver!

Types of discounts on Alabama car insurance

Insurers that provide cheap insurance for a Ford Fusion in Alabama may provide premium discounts that may potentially lower prices by 35% or more if you meet certain criteria. Larger car insurance companies and some of the discounts include:

The information below visualizes the comparison of auto insurance costs with and without discounts applied to the rates. The premiums assume a female driver, no accidents or driving violations, Alabama state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with multiple policy, defensive driving course, safe-driver, marriage, multiple vehicle, and vehicle safety discounts applied. When drivers take advantage of discounts, the the amount saved on car insurance for a Ford Fusion is 42% or $634.

Allstate vs Progressive vs Geico vs State Farm

When comparing insurance for a Fusion in Alabama, the companies that insure more vehicles than anyone else are Allstate, Progressive, Geico, and State Farm. The following table rates pricing and service ratings, as well as optional policy coverages that are available.