Buying competitive auto insurance for a Ford Fusion depends on a very complex rating algorithm that uses multiple factors such as whether you own a home, where your vehicle is garaged, and any past driving violations you may have had. Drivers pay on average $783 each year for Fusion insurance, but that figure is an approximation based on a 40-year-old married female driver with full coverage and $500 deductibles.
More likely than not, you’re not a 40-year-old female, you might be single instead of married, or maybe you have a speeding ticket or two that will increase rates. Car insurance coverage is unique to each driver, so this is why the best method for finding the cheapest insurance price for your Ford is to do a thorough rate comparison. Quotes are always free and you will receive price comparisons from some of the best insurers that offer coverage in Missouri.
Your Ford’s trim level can impact the cost of insurance, so the price you will pay to insure a Fusion S 4-Dr Sedan will be $134 less than the cost to insure the higher-priced Fusion Sport AWD 4-Dr Sedan trim level, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Fusion S 4-Dr Sedan||$144||$274||$280||$16||$84||$798||$67|
|Fusion SE 4-Dr Sedan||$162||$322||$280||$16||$84||$864||$72|
|Fusion Hybrid 4-Dr Sedan||$162||$372||$350||$20||$104||$1,008||$84|
|Fusion SEL 4-Dr Sedan||$162||$322||$280||$16||$84||$864||$72|
|Fusion Sport 4-Dr Sedan||$162||$322||$280||$16||$84||$864||$72|
|Fusion SEL AWD 4-Dr Sedan||$180||$372||$280||$16||$84||$932||$78|
|Fusion Sport AWD 4-Dr Sedan||$180||$372||$280||$16||$84||$932||$78|
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Data variables include married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Missouri minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Premium costs do not factor in the specific area where the vehicle is garaged which can revise premiums considerably.
Picking the highest-rated insurance company can be challenging considering how many different companies insure vehicles in Missouri. The ranking data listed below could help you pick which car insurance providers you want to consider when insurance shopping for a Ford Fusion. The ratings below only include the largest auto insurers in America, so companies that only write business in Missouri or surrounding areas are not factored into this list.
Top 10 Large Auto Insurers in Kansas City Ranked by Claims Service
- Liberty Mutual
- AAA Insurance
- Safeco Insurance
- The General
The information below illustrates how your deductible choice can change insurance premiums when searching for cheap insurance for a Ford Fusion. The data is based on a single female driver, comprehensive and collision coverage, and no additional discounts are factored in.
In the chart above, a 50-year-old driver could pocket $336 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $508 by using a $1,000 deductible. Younger drivers, like the Age 20 category, can cut up to $860 annually by choosing larger deductibles on their policy.
If you make the decision to raise deductibles, it will now be necessary to have emergency funds available to cover the extra out-of-pocket expense, which is the main drawback of higher deductibles.
Get discounts on Kansas City insurance rates
Insurers that offer coverage for a Ford Fusion may also give you discounts that could reduce prices by as much as 25% or more if you are eligible. Larger insurance companies and a summarized list of policyholder discounts are outlined below.
- 21st Century has discounts for student driver, defensive driver, anti-lock brakes, 55 and older, teen driver, automatic seat belts, and air bags.
- Progressive policyholders can earn discounts including online quote discount, multi-vehicle, continuous coverage, online signing, homeowner, and good student.
- State Farm discounts include accident-free, driver’s education, safe vehicle, passive restraint, good student, defensive driving training, and anti-theft.
- Nationwide may offer discounts for accident-free, multi-policy, easy pay, good student, business or organization, defensive driving, and family plan.
- Esurance may include discounts for online quote, paid-in-full, good driver, multi-car, and anti-theft.
- The Hartford offers premium reductions for driver training, bundle, anti-theft, vehicle fuel type, and defensive driver.
The example below shows the difference between annual premium costs with and without discounts applied to the rates. The costs are based on a female driver, no violations or claims, Missouri state minimum liability limits, full physical damage coverage, and $250 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with claim-free, vehicle safety, defensive driving course, safe-driver, homeowner, and multiple vehicle discounts applied. When drivers qualify for the discounts, theaverage amount saved on insurance for a Ford Fusion is 28% or $510.
Last year’s bargain might be this year’s rip off
Missouri insurance rates are determined by lots of factors which can significantly increase or decrease your annual premium. Simply turning a year older, buying a home instead of renting, or having an at-fault accident may cause policy rate changes that can cause some rates to be cheaper than others. Also, insurance companies change the rates they charge in Missouri as often as every quarter to ensure their profitability. Heavy losses can result in additional price hikes, while a better claims history can cause lower-priced Fusion insurance rates.
For instance, the chart below analyzes the cheapest car insurance in Kansas City, MO for a 35-year-old female driver with a clean driving record, no accidents, and a high credit rating. Based on her current risk factors, USAA may have the best car insurance rates in Kansas City at $850 annually. This is $412 less than the average policy premium paid by Missouri drivers of $1,262. The Hartford, Allied, Electric, and Travelers also make the list of the cheapest Kansas City, MO auto insurance companies.
The chart below compares rates after we give the driver from above an at-fault accident, a lower credit rating, and a stop sign violation. Since each company uses their own formula for establishing rates, analyzing rate quotes may now present a completely different list of the cheapest companies as shown below.
MO Farm Bureau now has the best price in Kansas City, MO with Farmers, Nationwide, Cameron Mutual, and Allied completing the list. This shows why it is so important to spend some time comparing rates when trying to get the most budget-friendly insurance rates for a Ford Fusion.
Insurance rates consist of many different factors and change dramatically, so the best price the last time you shopped your coverage around may now be quite expensive.
How to find economical insurance for a Ford Fusion
Below you’ll find some of the recommended thrifty solutions that can help drivers quote cheap coverage.
- Remove physical damage coverage on older vehicles
- Buying home and auto insurance together can earn discounts
- Avoid at-fault accidents and claims
- Improve your credit score
- Buy a vehicle with excellent safety ratings
- Compare rate quotes frequently
The last tip in the list is very vital, as was affirmed in this piece. Auto insurance prices in Kansas City fluctuate considerably, so drivers shouldn’t be reluctant to change insurance companies if a cheaper price is available.
Many drivers have brand loyalty and that’s fine, but it’s not a great idea if that loyalty results in overpaying a small fortune year after year. It only takes a couple minutes to compare prices to find cheaper car insurance for a Ford Fusion.
The professional agents shown below can provide answers to your questions and help you determine which auto insurance policy fits you best, as some drivers have questions and prefer to have some professional guidance when shopping for cheaper insurance for a Fusion. It can be time-consuming to find the best rates on your own, and professional agents can add peace of mind knowing your coverage gives you adequate asset protection.
To find a Kansas City insurance agent closest to you, click the button link following the list.
Farmers Insurance – Tim Presko
7817 N Oak Trafficway – Kansas City, MO 64118 – (816) 436-6000
Joe Nowatzki – State Farm Insurance Agent
10201 N Oak Trafficway #400 – Kansas City, MO 64155 – (816) 420-0200
David Krough – State Farm Insurance Agent
600 W 103rd St #206 – Kansas City, MO 64114 – (816) 943-6166