Best Cheap Insurance Quotes for a Ford Fusion in Nevada

The likelihood of finding affordable insurance for a Ford Fusion in Nevada hinges on dozens of factors like the age of the Fusion, if you are currently insured, and if your driving record shows any at-fault accidents. Drivers in Nevada pay on average $900 each year to insure a Fusion, but that rate is an estimation that rates a 50-year-old married female driver that included both comprehensive and collision coverage and $250 deductibles.

If we were betting, you are not 50 years old and maybe not even female, you might be single instead of married, and you want different coverage limits than the example. Even a very minor difference in the rating input factors can produce large changes in the cost of insurance for a Ford Fusion.

Auto insurance requires individual risk assessment, so your best shot at finding cheap insurance rates for your Ford is to get into the habit of shopping around regularly. Compare rate quotes now and you will be able to see rates from the cheapest companies around.

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Your vehicle’s trim level will likely have an effect on price, so the rate you pay to insure a Fusion S 4-Dr Sedan model will be $164 cheaper than the cost to insure the more costly Fusion Sport AWD 4-Dr Sedan model, as shown by the rates below.

Data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Nevada minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Price estimates do not factor in specific Nevada garaging location which can alter coverage prices considerably.

Picking a highly-rated auto insurance provider can be a challenge considering how many choices you have in Nevada. The ranking information displayed below can help you decide which insurers you want to consider when trying find the best insurance for a Ford Fusion.

These ratings are for the largest auto insurers in America, so companies without a large exposure are not included in this list. If you would like to check rates from many more Nevada auto insurance companies, just click here.

Top 10 Major Car Insurance Companies in Nevada Ranked by Value

1. USAA
2. American Family
3. The Hartford
4. Titan Insurance
5. The General
6. AAA Insurance
7. State Farm
8. Mercury Insurance
9. Nationwide
10. Safeco

Top Companies for Ford Fusion Insurance in Nevada

Does full coverage make sense?

Finding the best cheap insurance for a Ford Fusion in Nevada is the goal of the majority of people, and one of the best ways to reduce the cost of insurance is to only buy liability insurance. The illustration below illustrates the difference between premium costs with full physical damage coverage compared to only buying liability only. Data assumes no claims, a clean driving record, $250 deductibles, single status, and no discounts are applied to the premium.

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If we average all the age groups together, physical damage insurance costs an extra $2,091 per year over having just liability coverage. That is a significant amount which raises the question if it’s worth it to buy full coverage. There is no set rule of when to exclude physical damage coverage, but there is a general school of thought. 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 might be time to buy liability only.

There are some circumstances where dropping full coverage is not a good idea. If you haven’t satisfied your loan, you have to carry full coverage in order to prevent your loan from defaulting. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should not consider dropping full coverage.

Careless Nevada drivers pay higher rates

The ideal way to get low auto insurance premiums for a Fusion is to be an attentive driver and avoid tickets and accidents. The chart below illustrates how traffic citations and at-fault collisions impact auto insurance costs for different ages of insureds. The premium estimates are based on a single female driver, full physical damage coverage, $500 deductibles, and no discounts are applied.

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 One Accident’],[‘Age 20’, 2431,2985,3541],[‘Age 30’, 1659,2213,2769],[‘Age 40’, 1545,2101,2659],[‘Age 50’, 1353,1907,2463],[‘Age 60’, 1309,1859,2421],[‘Age 70’, 1537,2089,2647]]);var options = {title: ‘Impact of Violations and Accidents on Nevada 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 Nevada’,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 per year with no violations or accidents is $1,639. Receive two speeding tickets and the average cost hikes up to $2,192, an increase of $553 each year. Then throw in one accident along with the two speeding tickets and the annual cost of auto insurance for a Ford Fusion jumps again to an average of $2,750. That’s an increase of $1,111, or $93 per month, just for not driving safely!

State Farm, Geico, Progressive, and Allstate: Who is best?

If you are looking for the best car insurance, the four most popular companies are State Farm, Geico, Progressive, and Allstate. All of them offer liability and physical damage protection, but each on has a different combination of discounts, features, and options that add value to each policy. The data below compares and contrasts ratings for price and service, as well as some optional coverages that you can purchase from each one.

Who has the cheapest Ford Fusion insurance quotes?

There are many ways to compare cheaper auto insurance rates in Nevada, but the most prevalent methods are through an independent or non-exclusive agent, an exclusive insurance agent like Allstate or Auto-Owners, or direct from companies such as Geico or Progressive. All three ways can provide auto insurance quotes, but they are slightly different in how they give price quotes.

Independent agents can place your business with multiple 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 more rate choices, which may give you improved odds of finding cheaper coverage. If they find a cheaper price, the agent simply finds a different carrier and you do not have to find a new agent.

A captive or exclusive agent is limited to a single insurance company, two examples are State Farm and Allstate agents. Exclusive agents cannot quote rates from more than one company, so if rates are high, they cannot give you alternative choices.

Consumers who buy auto insurance direct forego either of the other two types of agents and instead buy direct from companies such as Geico or Esurance. Shopping for auto insurance direct can be a good choice for consumers who have limited assets and have some degree of understanding of what specific coverages and deductibles they need.

So which of the methods works best to buy the best cheap insurance for a Ford Fusion in Nevada? We wish we could say buying from a direct company results in the cheapest rates since it doesn’t require paying agent commissions, but in reality, that argument does not hold true. And we’d like to say going through an independent agent saves the most money because they can shop around, but again, that’s not a true statement. In the right set of circumstances, exclusive agents have extremely competitive rates that independents and direct companies can’t touch.

Since auto insurance companies use so many rating factors, the only real way to ensure the lowest rates is to compare lots of quotes. If you have the time, get prices from all three types to have the best rate selection. For a list of companies with some of the cheapest Nevada auto insurance rates, click here to view.