Cheap Insurance Quotes for a Ford Fusion in Virginia

Whether or not you can find affordable auto insurance for a Ford Fusion in Virginia depends upon a lot of rating factors such as your marital status, whether or not you are currently insured, and deductibles for comprehensive and collision coverage. Drivers in Virginia on average pay approximately $1,100 per year to buy Ford Fusion insurance, but that figure is an approximation that uses a 30-year-old single male that includes full physical damage coverage and $100 deductibles.

There is a good possibility you are not 30 and maybe not even a male, maybe you are married instead of single, and you probably do not live in the same zip code as the example. Insurance is an individual thing, so the best way to quote cheap insurance prices for your Ford is to quote often and with as many companies as possible.

Insure Your Ford for Less

Your vehicle’s trim level will have an impact the cost of insurance, so the price to insure a Fusion S 4-Dr Sedan will be $208 less than the cost to insure the high end Fusion Sport AWD 4-Dr Sedan trim level, as shown below.

Data variables include single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Virginia minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Rates do not factor in the specific area where the vehicle is garaged which can affect insurance rates significantly.

Buying budget car insurance is not easy, and finding out which company has the cheapest auto insurance rates for a Ford Fusion takes even more rate comparisons. Every insurance company uses slightly different criteria for establishing rates, so we need to take a look at the auto insurance companies with the overall best prices in Virginia.

Best Auto Insurance Prices for Your Fusion

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Travelers offers some of the most affordable car insurance rates in Virginia at around $673 a year. USAA, Penn National, Cincinnati Insurance, and Auto-Owners would also make the list of some of the most economical Virginia auto insurance companies.

In the above example, if you are insured with Cincinnati Insurance and switched to Travelers, you might see annual savings of upwards of $82. Insureds with Auto-Owners may save as much as $108 a year, and Utica National customers might reduce rates by $115 a year.

Understand that those rates are averaged across all drivers and vehicles and are not factoring in a specific rate value for a Ford Fusion. So the insurer that fits your needs best may not even be in the above list. That is why you need to compare as many prices as possible using your own personalized driver profile and vehicle information.

How to get discounts on Virginia car insurance rates

Insurance companies that sell cheap insurance for a Ford Fusion in Virginia could also offer premium discounts that could lower prices by 25% or more if you can meet the requirements. Large auto insurance companies and some of the premium reductions they offer can be found below.

The chart below shows the comparison of insurance prices with and without discounts being applied to the rates. Data assumes a male driver, no violations or claims, Virginia state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows the price with no discounts. The second shows the rates with homeowner, marriage, accident-free, multiple vehicle, passive restraint, and multiple policy discounts applied. With discounts applied, the the average amount saved on auto insurance for a Ford Fusion is % or $.

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Who is cheaper: Allstate, Progressive, State Farm, or Geico?

If you are looking for the best car insurance, probably the best companies to start with are Allstate, Progressive, State Farm, and Geico. If you add them together, they insure 48.5% of all policies written. All four offer physical damage and liability coverage, but each has unique coverages that can influence your buying decision. The table below compares and contrasts pricing and service ratings, as well as optional policy coverages offered by each one.

Find cheap insurance for a Ford Fusion in Virginia

It’s not impossible to find cheaper rates, and here are a few money-saving suggestions that can help Virginia drivers quote the cheapest auto insurance.

• You will pay more if you get tickets or have at-fault accidents
• Don’t waste money on full coverage for older vehicles
• Buy your auto and home insurance from the same company and save
• Avoid price increases by not filing claims
• At-fault accidents can raise rates significantly
• Drive safe vehicles
• Compare prices as often as possible

That final tip is remarkably valuable, as was stressed in this piece. Auto insurance prices vary considerably, so don’t be hesitant to switch companies if a more affordable rate is found. Having brand loyalty is commendable, but is isn’t recommended if that dedication is costing major coinage every year. In just a few minutes you could compare rates to find cheaper insurance for a Ford Fusion.