Best Cheap Insurance for a Ford Fusion in Vermont

When we talk about auto insurance, the words “affordable” or “cheap” should not appear as a descriptor for car insurance rates. It’s just a fact that cheap car insurance for a Ford Fusion just does not exist. Don’t let that get you down, though, because we will teach you how you can find and buy coverage that is affordable.

The likelihood of finding cheap auto insurance for a Ford Fusion in Vermont depends upon a complex calculation that is influenced by things like whether you are married, whether or not you have prior claims, and if your driving record is clean. Drivers pay approximately $710 per year for Fusion insurance, but that rate is using rate data for a 50-year-old married male that has both comprehensive and collision coverage and $250 policy deductibles.

But there is a high likelihood that you are not exactly 50 years old and possibly not even male, possibly single instead of married, or maybe you want different physical damage deductibles. Auto insurance is not “one size fits all”, so the most reliable way to find the cheapest rates for your Ford is to do the rate comparisons yourself.

Cheapest Ford Fusion Insurance Rates

The trim level of your Ford tends to impact the annual cost of coverage, so the rate you will pay to insure a Fusion S 4-Dr Sedan model will be $128 cheaper than the price to insure the more costly Fusion Sport AWD 4-Dr Sedan version, as shown in the table below.

Above prices assume married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Vermont minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Information does not factor in garaging location in Vermont which can revise rates significantly.

Which car insurance company is best in Vermont?

Selecting the best insurer can be challenging considering how many companies are available to choose from in Vermont. The company ratings in the next section can help you pick which car insurance companies to look at purchasing from. The ratings below include large insurance companies, so companies that may only write in Vermont are not included in these rankings.

Top 10 Large Auto Insurance Providers in Vermont Ranked by A.M. Best Rating

1. GEICO – A++
2. Travelers – A++
3. State Farm – A++
4. USAA – A++
5. Allstate – A+
6. Nationwide – A+
7. Esurance – A+
8. Progressive – A+
9. The Hartford – A+
10. The General – A-

Top 10 Large Auto Insurance Providers in Vermont Ranked by Customer Service

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

Top Companies for Ford Fusion Insurance in Vermont

The information below illustrates how choosing a deductible can influence annual premium costs when researching cheap insurance for a Ford Fusion. The data assumes a single female driver, comp and collision included, and no discounts are applied.

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The data above shows that a 50-year-old driver could lower their policy premium by $294 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $440 by using a $1,000 deductible. Even younger drivers, like the Age 20 chart data, can save as much as $750 annually just by choosing higher deductibles when buying full coverage. When raising deductibles, it is a good idea to have enough in a savings account to offset the extra out-of-pocket expense that deters many people from opting for higher deductibles.

Get discount Vermont car insurance rates

Car insurance companies that provide the best cheap insurance for a Ford Fusion in Vermont may also offer rate discounts that could potentially reduce rates by as much as 40% or more if you are eligible. A few of the larger companies and some of the discounts can be found below.

• Farmers Insurance offers premium reductions for teen driver, switch companies, homeowner, business and professional, good student, and alternative fuel.
• State Farm has discounts for multiple autos, student away at school, multiple policy, accident-free, and passive restraint.
• Liberty Mutual may include discounts for newly retired, multi-policy, new vehicle discount, teen driver discount, and exclusive group savings.
• MetLife offers discounts including good driver, defensive driver, multi-policy, good student, claim-free, and accident-free.
• Progressive offers discounts for homeowner, multi-policy, good student, online signing, multi-vehicle, and online quote discount.

The information below illustrates the comparison of insurance premiums with and without discounts applied to the policy premium. The rate quotes are based on a female driver, no claims or violations, Vermont state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.

The first bar for each age group shows premium with no discounts. The second bar shows the rates with defensive driving course, multiple policy, passive restraint, multiple vehicle, claim-free, and homeowner discounts applied. When taking advantage of discounts, the the amount saved on car insurance for a Ford Fusion is 28% or $335.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 1799,1295],[‘Age 30’, 1221,883],[‘Age 40’, 1141,825],[‘Age 50’, 999,723],[‘Age 60’, 965,703],[‘Age 70’, 1139,823]]);var options = {title: ‘Comparison of Insurance Rates 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 in Vermont’,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);}

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

When comparing car insurance, four companies you’ll want quotes from are Progressive, State Farm, Allstate, and Geico. Between them, they make up about half of all vehicles in the U.S.. The table below compares price and claims rank as well as some different options that you can purchase from each one.

Who has the cheapest Ford Fusion insurance quotes?

Drivers have a lot of ways to shop around for car insurance in Vermont, but the most frequently used ways are using an independent or non-exclusive agent, an exclusive insurance agency such as State Farm or Auto-Owners, or from a direct company like Geico. You can use whichever method you prefer, 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 quote with many companies and give you more rates, which can help you get a better chance of saving money. If they find a cheaper price, the business is moved internally and you can remain with the same agent.

An exclusive ageny is restricted to quoting rates for just one company, for example State Farm and Auto-Owners agents. Exclusive agents are unable to provide other companys’ prices, so you will not be able to compare multiple prices.

Direct car insurance buyers forego an agent and instead buy from a direct company like Esurance. Buying car insurance direct can be good for drivers who have limited assets and know what coverage options they need.

So which one of the three ways works best to buy the best cheap insurance for a Ford Fusion in Vermont? Our initial answer would be buying from a direct company saves the most money since there is no need to pay agent commissions, but in reality, that argument does not hold true. We could also assume that an independent agent is the best way to go since they can quote with many companies, but that assumption is also not necessarily accurate. In the right set of circumstances, exclusive agents have very competitive rates that other companies cannot beat.

Since car insurance prices are based on many different factors, the best way to get the lowest rate is to do a thorough rate comparison. To cover all the bases, get price quotes from all three to give yourself the best selection. We compiled a list of companies with some of the cheapest online rates that you can click here to view.