Cheap Insurance for a Ford Fusion in Michigan

Finding affordable coverage for a Ford Fusion in Michigan relies on lots of different factors like if you rent or own your home, your address, and if you have a clean driving record. Drivers in Michigan on average pay approximately $1,820 every 12 months for Fusion insurance, but that rate is an approximation based upon a 50-year-old married male driver who needs full comprehensive and collision coverage and $500 deductibles.

It’s highly likely you are not 50 years old and maybe not even male, possibly single instead of married, or you want lower deductibles. Have just a small change in rating variables or coverage information can make a large difference in policy price.

Auto insurance is not the same for everyone, so your best shot at finding the most affordable coverage for your Ford is to compare as many rates as you can.

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Vehicle trim level will be a contributing factor to the cost of insurance, so the rate you will pay to insure a Fusion S 4-Dr Sedan model will be $308 less than the insurance cost for the high end Fusion Sport AWD 4-Dr Sedan model, as shown in the prices below.

Prices based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Michigan minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Table data does not factor in zip code location which can lower or raise price quotes noticeably.

Ending up with a highly-rated car insurance provider can be challenging considering how many different insurance companies sell coverage in Michigan. The information in the next section can help you analyze which companies you want to consider when insurance shopping for a Ford Fusion. These rankings include large nationwide companies, so companies with more of a regional focus will not be included in the list.

How careless driving impacts car insurance rates

The common sense way to maintain low car insurance premiums for a Fusion is to drive carefully and avoid tickets and accidents. The diagram below illustrates how violations and accidents can influence auto insurance costs for different insured age categories. The prices are based on a married female driver, full physical damage coverage, $500 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’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and Two Accidents’],[‘Age 20’, 4213,5453,10277],[‘Age 30’, 2919,4155,8987],[‘Age 40’, 2897,4135,8963],[‘Age 50’, 2549,3785,8613],[‘Age 60’, 2421,3661,8489],[‘Age 70’, 2619,3857,8685]]);var options = {title: ‘Impact of Tickets and Accidents on Michigan 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 Michigan’,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 data charted above shows the average cost of car insurance in Michigan per year with a clean driving record and no accidents is $2,936. Add in two speeding tickets and the average cost jumps to $4,174, an increase of $1,238 each year. Now include two accidents along with the two speeding tickets and the 12-month cost of car insurance for a Ford Fusion jumps again to an average of $9,002. That’s an increase of $6,066, or $506 per month, just for not being attentive to the road!

Does full coverage make sense?

Finding cheap insurance for a Ford Fusion in Michigan should be important to most people, and one of the best ways to pay lower rates for insurance is to buy only liability coverage. The illustration below illustrates the comparison of insurance costs with full phyical damage coverage and with liability coverage only. The costs are based on a clean driving record, no claims, $100 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 $100 Deductibles’, ‘Liability Only’],[‘Age 20’, 8849,2427],[‘Age 30’, 4523,1321],[‘Age 40’, 4517,1223],[‘Age 50’, 4095,1143],[‘Age 60’, 3955,1123],[‘Age 70’, 4775,1509]]);var options = {title: ‘Full Coverage Compared to Liability Only’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Ford Fusion in Michigan’,minValue: 0,format: ‘$###,###’},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);}

If averaged for all ages, full coverage costs an additional $5,119 per year more than insuring for liability only. That is a large expense and it proposes the question if paying for full coverage is a waste of money. There isn’t a written rule of when to phase out comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the yearly cost for physical damage coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it’s probably a good time to buy liability coverage only.

Best cheap Ford Fusion insurance quotes

Drivers have many ways to compare cheaper car insurance rates in Michigan, but the most common methods are from a captive (or exclusive) agency such as Allstate or State Farm, a non-exclusive or independent agent, or direct online or over the phone from a company like Progressive or Geico.

Each way has the same basic process, but it’s good to know the differences in how they work.

Independent agencies are appointed by several companies and can get rate quotes from all of them. These types of agents can compare multiple rates, which can give you a better chance of finding cheaper coverage. If your premiums go up, the business is moved internally which is easy for the insured.

A captive, or exclusive, agent is usually restricted to one company, two popular examples being an Allstate or State Farm agent. These guys and gals cannot quote prices from more than just one company, so if their prices are high, they cannot shop around.

The third popular method of shopping for car insurance is direct, which means you bypass an agent and instead shop buying direct from a company like Progressive or Geico. Shopping direct is good for drivers who do not need high amounts of coverage and have an above average understanding of what coverage options they need.

So which method is best to find cheap insurance for a Ford Fusion in Michigan? The majority of people assume that buying from a direct company results in the cheapest rates because there are no middleman commissions, but that does not always hold true. We’d also like to say an independent agency guarantees the lowest rates due to increased selection, but again, that’s not accurate. For the right applicant, the exclusive agents have price quotes that cannot be beaten by either independent or direct companies.

Because of the variability of car insurance rates, the only true way to get the lowest rate is to get quotes and compare. It’s a good idea to get prices from all three types in order to have enough rates to compare. For a list of companies offering online discounts in Michigan, click here to view.

How to find low-cost car insurance for a Ford Fusion

The list below summarizes a few thrifty ideas that can help you locate cheap car insurance.

• Accidents can significantly increase rates
• The safer your car, the less it costs to insure
• Full coverage may not be needed on older vehicles
• Bundle home or renters insurance to earn a discount on car insurance
• Pay for small claims rather than turning them in to your insurance company
• Be a safe driver
• Shop around for lower rates once a year

The last item on the list is notably significant, as we noted in the prior information. Coverage prices fluctuate constantly, so drivers shouldn’t hesitate to switch companies if you find a better deal. Brand loyalty is not necessarily bad, but we do not recommend it if that dedication is costing a small fortune year after year. Spend a few minutes and compare rates to find cheaper auto insurance for a Ford Fusion.