How Much are Insurance Quotes for a Ford Fusion in North Carolina?

Because the topic is car insurance, the words cheap or affordable really should not be used anywhere to describe car insurance prices. Be that as it may, cheap auto insurance for a Ford Fusion is almost non-existent. Don’t let that get you down, though, because we will teach you how you can still find and buy coverage that won’t break the bank.

Your chances of buying affordable coverage for a Ford Fusion in North Carolina depends on things such as the safety features of your vehicle, if you currently have coverage, and your policy deductibles. North Carolina drivers pay around $1,060 every 12 months to buy Ford Fusion insurance, but that figure is a valuation using cost data for a 30-year-old single female driver who requires full coverage including both comprehensive and collision and $250 policy deductibles.

Chances are good that you are not 30 years old and maybe not even female, possibly married instead of single, and maybe you want higher deductibles. Each driver has unique rating factors, so the most reliable way to find cheap insurance rates for your Ford is to make a habit of comparing rates at every renewal. Price quotes are quick and you will be able to see rates from top-rated companies in North Carolina.

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The specific model of Fusion tends to have a direct effect on price, so the price you will pay to insure a Fusion S 4-Dr Sedan trim level will be $196 lower than the cost to insure the fancier Fusion Sport AWD 4-Dr Sedan version, as shown by the rates below.

Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and North Carolina minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Premium amounts do not factor in vehicle location which can decrease or increase prices considerably.

Ending up with the best insurance provider can be difficult considering how many companies sell coverage in North Carolina. The information shown next may help you pick which insurers you want to consider when trying to find the cheapest insurance for a Ford Fusion.

These rankings are only made up of companies that write coverage in many states, so companies without a large exposure are not factored into this list. To check prices from these and other companies in North Carolina, click this link.

The example below shows how different deductible levels can increase or decrease premium costs when quoting cheap insurance for a Ford Fusion. The rates are based on a single male driver, comp and collision included, and no discounts are taken into consideration.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 3207,2903,2573,2263],[‘Age 30’, 1649,1509,1345,1187],[‘Age 40’, 1643,1495,1323,1163],[‘Age 50’, 1493,1359,1207,1061],[‘Age 60’, 1443,1313,1169,1029],[‘Age 70’, 1737,1589,1427,1273]]);var options = {title: ‘Effect of Deductibles on Ford Fusion Insurance Rates in North Carolina’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Ford Fusion’,minValue: 0,format: ‘$###,###’},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);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

As shown above, a 40-year-old driver could lower their car insurance rates by $286 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $432 by using a $1,000 deductible. Youthful drivers, like the 20-year-old, could potentially save up to $944 or more just by choosing larger deductibles. If you make the decision to raise deductibles, it will be important to have plenty of money set aside to be able to pay the extra out-of-pocket expense, which is the main drawback of higher deductibles.

Discounts on cheap insurance for a Ford Fusion in North Carolina

Auto insurance companies that offer coverage for a Ford Fusion may also offer special discounts that could potentially reduce rates by as much as 35% or more if you meet specific eligibility requirements. Popular insurance companies and a summarized list of policyholder discounts are included below.

• State Farm offers discounts for accident-free, defensive driving training, safe vehicle, student away at school, and good student.
• Farmers Insurance includes discounts for early shopping, homeowner, switch companies, electronic funds transfer, and teen driver.
• GEICO offers discounts including five-year accident-free, anti-lock brakes, multi-vehicle, emergency military deployment, and defensive driver.
• American Family has discounts for TimeAway discount, mySafetyValet, good driver, defensive driver, and bundled insurance.
• Nationwide may offer discounts for anti-theft, business or organization, good student, Farm Bureau membership, and accident-free.
• Progressive offers premium reductions for multi-policy, online signing, online quote discount, homeowner, continuous coverage, and multi-vehicle.

The diagram below illustrates the difference between insurance prices with and without discounts applied to the policy premium. The costs are based on a male driver, no claims or driving citations, North Carolina state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with vehicle safety, defensive driving course, multiple vehicle, marriage, anti-theft, and accident-free discounts applied. When discounts are applied, the average amount saved each year on insurance for a Ford Fusion is 28% or $429.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 2657,1913],[‘Age 30’, 1391,1013],[‘Age 40’, 1369,995],[‘Age 50’, 1247,907],[‘Age 60’, 1207,875],[‘Age 70’, 1469,1061]]);var options = {title: ‘Effect of Discounts on 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: [‘#6791b9’, ‘#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Ford Fusion in North Carolina’,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);}

Find cheap insurance for a Ford Fusion in North Carolina

Lowering your rates is not difficult, and here are some of the better thrifty suggestions that can help North Carolina drivers get cheaper car insurance.

• Raise your physical damage coverage deductibles
• Good credit can mean cheaper rates
• Speeding tickets and other violations increase rates
• Choose a safer vehicle and pay lower rates
• Staying accident-free helps keep rates low
• Do not insure for full coverage
• Keep rates low by comparing prices once a year

That last piece of advice is extremely crucial, as we pointed out in the prior information. Auto insurance prices adjust often, so drivers shouldn’t be reluctant to buy a different policy if a lower price can be found. We understand brand loyalty, but it’s not recommended if that loyalty ends up costing several hundred dollars every year. In just a few minutes you could compare rates and find cheaper car insurance for a Ford Fusion.

Who has the cheapest Ford Fusion insurance quotes?

Due to technology, there are many ways to find affordable insurance in North Carolina, but the most preferred ways are through an independent insurance agent, an exclusive insurance agent such as State Farm or Auto-Owners, or buying direct from a company like Progressive or Geico.

All three ways are similar, but shoppers should understand the differences in how they function.

Independent agencies can place your business with multiple companies and can provide price quotes from every one. Agents of this type do not sell for just one brand and can provide you with more rates, which can give you improved chances of finding a lower rate. If your agent finds better pricing, they simply move your policy to a different company and you can remain with the same agent.

A captive or exclusive agent is limited to a single company, a couple examples are a Liberty Mutual or State Farm agent. Exclusive agents generally are unable to provide a range of price quotes, which necessitates shopping around.

When you buy insurance direct, you do not use an independent or exclusive agent and buy direct online or over the phone from a company like Progressive or Geico. This insurance option may be a decent choice consumers who do not need high levels of coverage and have an above average understanding of what coverages they need.

So which of the methods works best for finding cheap insurance for a Ford Fusion in North Carolina? It would be obvious to point out shopping direct results in the cheapest rates because there isn’t an agent involved, but that is generally not the case. A valid argument could also be made that an independent agency guarantees the cheapest rates since there are more companies to choose from, but that is not accurate either. In the right set of circumstances, exclusive agents have very competitive rates that independents and direct companies can’t touch.

Due to the fact that insurance rates vary so much, really the best method to buy the cheapest policy is to obtain price quotes and compare them. We highly recommend getting price quotes from all three in order to find the best price. For a list of companies with cheap rates in North Carolina, click here to view.