Cheap Insurance for a Ford Fusion in Louisiana

The chances that you’ll find cheap insurance for a Ford Fusion in Louisiana depends on a complicated equation that takes into consideration things like your marital status, your address, and if you had any at-fault accidents in the last few years. Drivers pay on average $1,810 per year for Fusion insurance, but that amount is an estimate rating a 30-year-old single male driver that purchased full coverage including both comprehensive and collision and $250 policy deductibles.

It’s highly likely you may not be 30 years old (or even male), maybe you are married instead of single, and you want different coverage limits than the example. Even a very minor difference in rating variables can cause large differences in the price of coverage.

Each driver’s needs are different, and that demonstrates why the best method for finding cheap insurance prices for your Ford is to shop your policy around at every renewal.

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The trim level of your Fusion impacts the insurance rate, so the price you will pay to insure a Fusion S 4-Dr Sedan trim level will be $320 cheaper than the insurance cost for the more well-appointed Fusion Sport AWD 4-Dr Sedan version, as shown by the rates below.

Above prices assume single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Louisiana minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Rate information does not factor in zip code location which can influence premiums considerably.

Deciphering which company has the best car insurance rates for a Ford Fusion requires a tad more effort in order to find the best policy. Each company uses a little different formula for setting prices, so we need to take a look at the car insurance companies with the overall best prices in Louisiana.

It’s important to know that Louisiana car insurance rates are calculated based on many things that control the cost of having a policy. Simply improving your credit, having a teen driver, or getting a speeding ticket may cause policy rate changes resulting in some rates now being cheaper than competitors.

Best Car Insurance Prices for Your Fusion

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USAA offers some of the best car insurance rates in Louisiana at around $1,626 annually. MetLife, Progressive, GEICO, and Southern Farm Bureau would also make the list of some of the cheaper Louisiana car insurance companies.

In the above example, if you are insured with MetLife and switched to USAA, you might realize savings of approxmiately $210. Customers with Progressive may save as much as $320 a year, and GEICO customers might cut rates by $339 a year.

To see if your current coverage is too expensive, click here to start your custom quote or visit any of the companies below.

These estimates are averages for all types of drivers and the different vehicles they drive and do not factor in a specific rate factor for a Ford Fusion. So the car insurance company that is best for you may not even be featured in the company chart above. That helps illustrate why you need to compare rates from as many companies as possible using your own specific driver and vehicle information.

Does full coverage make sense?

Finding cheap insurance for a Ford Fusion in Louisiana is probably important to the majority of vehicle owners, and a good way to buy cheaper insurance is to only buy liability coverage. The illustration below illustrates the comparison of car insurance costs with full physical damage coverage compared to only buying liability only. The costs are based on no accidents or driving violations, $1,000 deductibles, marital status is single, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $1,000 Deductibles’, ‘Liability Only’],[‘Age 20’, 4201,1641],[‘Age 30’, 2189,897],[‘Age 40’, 2147,831],[‘Age 50’, 1959,777],[‘Age 60’, 1901,765],[‘Age 70’, 2355,1025]]);var options = {title: ‘Full Versus Liability Only Rates’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Ford Fusion in Louisiana’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibfcl’));chart.draw(data, options);}

As an average for all age groups, comp and collision coverage costs $2,459 per year over and above liability coverage. That is a large expense which might make you wonder if you should buy full coverage. There is no exact rule to eliminate full coverage on your policy, but there is a guideline you can consider. If the annual cost of coverage is more than about 10% of any settlement you would receive from your insurance company, then it could be time to drop full coverage.

For example, let’s pretend your vehicle’s replacement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company will settle for is $6,000 after paying the physical damage deductible. If you are currently paying more than $600 a year for your policy with full coverage, then you may need to consider dropping full coverage.

Types of discounts on Louisiana insurance rates

Car insurance companies that offer cheap insurance for a Ford Fusion in Louisiana may have rate discounts that could potentially reduce rates by 40% or more if you qualify for them. Popular car insurance companies and their possible discounts can be found below.

The chart below visualizes the comparison of insurance costs with and without discounts applied to the policy rates. The premium estimates are based on a female driver, no violations or claims, Louisiana state minimum liability limits, full physical damage coverage, and $100 deductibles.

The first bar for each age group shows the average rate with no discounts. The second shows the rates with passive restraint, safe-driver, defensive driving course, accident-free, anti-theft, and marriage discounts applied. When these discounts are applied to the policy premium, the average amount saved each year on car insurance for a Ford Fusion is % or $.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 4805,3455],[‘Age 30’, 3343,2425],[‘Age 40’, 3093,2241],[‘Age 50’, 2703,1961],[‘Age 60’, 2611,1891],[‘Age 70’, 3035,2187]]);var options = {title: ‘Insurance Rate Comparison for a Ford Fusion’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],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);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Cheap Ford Fusion insurance quotes

Due to technology, there are many ways to compare car insurance prices in Louisiana, but the most common are through an independent or non-exclusive agent, a captive (or exclusive) agent such as Liberty Mutual or State Farm, or buying direct from a company like Geico or Progressive. They all have the same basic principle, but each is different in how they give price quotes.

Independent insurance agencies have contracts with multiple insurance companies and can compare coverage rates with all of them. These types of agencies do not work for one specific company and can give you a larger rate selection, which may give you the best idea of how your rates compare. If the agent locates a cheaper price, it’s simple to move the policy which is easy for the insured.

An exclusive agent is only able to place business with a single insurance company, examples being Allstate or State Farm agents. Exclusive agents are unable to provide multiple price quotes, so if finding the cheapest coverage is your goal, you will need to shop around.

Opting to purchase car insurance direct means you forego a local agent and instead buy from a direct company like Geico or Esurance. Buying car insurance direct is good for consumers who do not have complex finances and understand what specific coverages and deductibles they need.

So which way is best for finding cheap insurance for a Ford Fusion in Louisiana? It would be obvious to point out buying from a direct company saves money because there is no agent involved, but unfortunately, it’s not that simple. We could also assume that an independent agent results in the best rates because you have more choices, but that is not necessarily true either. And often times, exclusive agencies may have prices that are well below what direct and independents offer.

Because it’s impossible to say who has the best car insurance rates, really the best method to ensure you are not overpaying for car insurance is to compare lots of quotes. If you want to save money, get prices from all three types to give yourself enough choices. For a list of companies offering online discounts, click here to view.