Cheapest Insurance Quotes for a Ford Fusion in Washington

Your chances of buying the best cheap car insurance for a Ford Fusion in Washington depends on a complex rating formula that takes into consideration things such as if you have purchased a home, whether or not you have filed claims in the past, and the level of deductible you choose. Drivers will pay on average $1,080 a year for Fusion insurance, but that price is a ballpark figure assuming a 40-year-old married female who needs full physical damage coverage and $100 policy deductibles.

There is a good possibility you’re not a 40-year-old female, single instead of married, or maybe your driving record has a blemish or two. Different coverage needs are the reason why the most reliable method for finding affordable rates for your Ford is to shop your policy around every couple of years.

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Vehicle trim level can impact the insurance rate, so the price to insure a Fusion S 4-Dr Sedan model will be $218 cheaper than the insurance cost for the fancier Fusion Sport AWD 4-Dr Sedan version, as shown in the table below.

Table data represents married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Washington minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Estimates do not factor in specific location which can decrease or increase premium rates significantly.

Buying coverage from a good quality car insurance company can be a challenge considering how many choices there are in Washington. The ranking data listed below can help you choose which auto insurance companies you want to consider purchasing from.

These rankings include insurance companies that insure vehicles in the majority of U.S. states, so companies that focus mainly on Washington business are not factored into the list. To view rates from these and other top-rated companies, click this link.

Discounts on the cheapest insurance for a Ford Fusion in Washington

Insurance providers that sell policies for a Ford Fusion could also offer price discounts that could lower prices by as much as 40% or more if you qualify for them. Larger insurance companies and their offered discounts can be found below.

• Mercury Insurance may include discounts for multi-car, ease of repair, accident-free, professional/association, and annual mileage.
• Farmers Insurance may have discounts that include alternative fuel, homeowner, distant student, electronic funds transfer, early shopping, and business and professional.
• Farm Bureau policyholders can earn discounts including youthful driver, 55 and retired, driver training, renewal discount, and safe driver.
• State Farm offers discounts for safe vehicle, anti-theft, accident-free, student away at school, driver’s education, and Steer Clear safe driver discount.
• Allstate discounts include early signing, senior citizen, good payer, auto/life discount, EZ pay plan discount, and good student.
• GEICO has discounts for emergency military deployment, driver training, membership and employees, five-year accident-free, good student, and federal employee.

The information below shows the comparison of annual premium costs with and without discounts applied to the policy rates. The data assumes a female driver, a clean driving record, no at-fault accidents, Washington state minimum liability limits, comp and collision included, and $250 deductibles.

The first bar for each age group shows premium with no discounts. The lower bar shows the rates with homeowner, claim-free, passive restraint, marriage, anti-theft, and vehicle safety discounts applied. In this example, the the average yearly reduction on insurance for a Ford Fusion is 28% or $615.

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Illustration showing the impact of accidents and violations

The common sense way to snag the cheapest insurance for a Ford Fusion in Washington is to drive carefully and not receive tickets or have accidents. The chart below shows how speeding tickets and at-fault claims can drive up insurance premiums for different age groups of insureds. The data assumes a single female driver, comp and collision included, $250 deductibles, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and One Accident’],[‘Age 20’, 3283,3575,4417],[‘Age 30’, 2247,2543,3385],[‘Age 40’, 2087,2383,3227],[‘Age 50’, 1825,2123,2965],[‘Age 60’, 1769,2061,2905],[‘Age 70’, 2071,2367,3209]]);var options = {title: ‘Impact of Citations and Accidents on Washington 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 Washington’,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);}

The chart shows that the average cost of an auto insurance policy in Washington per year with no violations or accidents is $2,214. Get one speeding ticket and the average cost hikes up to $2,509, an increase of $295 each year. Then include one accident along with the one speeding ticket and the annual cost of insurance for a Ford Fusion increases to an average of $3,351. That’s an increase of $1,138, or $95 per month, just for not maintaining a clean driving record!

Is the best company State Farm, Allstate, Progressive, or Geico?

When comparing car insurance, the first places to look would be State Farm, Allstate, Progressive, and Geico. If you combine them together, they insure over 45% of the entire U.S. market share. The next table compares and contrasts some of the different features shoppers can find with each company.