How Much Does Insurance Cost for a Ford Fusion in Alaska?

When talking about car insurance, the word cheap should not be used as a descriptor for auto insurance rates. It’s just reality that cheap car insurance for a Ford Fusion can be difficult to find. Don’t let that bother you, though, because we are going to tell you how you can quote auto insurance that most people can afford.

The chances of finding the cheapest coverage for a Ford Fusion in Alaska depends upon a lot of things such as the mileage of your daily commute, if you are currently insured, and if you had any at-fault accidents in the last few years. Drivers in Alaska pay an average of $870 a year to insure a Fusion, but that figure is an estimation based on rate data for a 50-year-old married female that wants comprehensive and collision coverage and $100 policy deductibles.

There is a very good chance that you are not 50 and possibly not even female, possibly single instead of married, or you need different physical damage deductibles. Every driver’s needs are different, and that is why the only way to find cheap auto insurance rates for your Ford is to compare rates from as many companies as possible.

Compare Rates and Save

The trim level of your Ford can impact the insurance rate, so the price you pay to insure a Fusion S 4-Dr Sedan model will cost $172 less than the price to insure the high end Fusion Sport AWD 4-Dr Sedan trim level, as shown in the chart below.

Data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Alaska minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Premium costs do not factor in specific garaging location which can affect price quotes substantially.

Alaska auto insurance company ratings

Selecting the best insurance provider can be challenging considering how many companies there are in Alaska. The information in the next section may help you decide which auto insurance companies you want to consider shopping prices with. These rankings include large nationwide companies, so companies that may only write in Alaska are not factored into the list.

The diagram below shows how choosing a deductible can raise or lower insurance costs when trying to find cheap insurance for a Ford Fusion. The prices are based on a married male driver, comp and collision included, and no discounts are applied to the premium.

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In the chart above, a 40-year-old driver could pocket $264 a year by increasing from a $100 deductible to a $500 deductible, or save $400 by choosing a $1,000 deductible. Youthful drivers, like the 20-year-old example, could drop their prices $884 each year just by choosing larger deductibles. If you do raise deductibles, it is a good idea to have additional funds in a savings account to enable you to pay the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.

Careless driving habits raise Alaska auto insurance rates

The best way to get cheap insurance for a Ford Fusion in Alaska is to be a good driver and avoid tickets and accidents. The diagram below shows how speeding tickets and accidents can impact insurance prices for each different age group. The costs are based on a married female driver, full coverage, $250 deductibles, and no discounts are applied.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and Two Accidents’],[‘Age 20’, 1871,2087,3937],[‘Age 30’, 1309,1523,3375],[‘Age 40’, 1293,1507,3361],[‘Age 50’, 1137,1353,3205],[‘Age 60’, 1085,1297,3149],[‘Age 70’, 1163,1379,3229]]);var options = {title: ‘Accidents, Violations, and Alaska 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 Alaska’,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);}

In the prior example, the average cost of a car insurance policy in Alaska per year with no accidents and a clean driving record is $1,310. Get written up for one speeding ticket and the average cost jumps to $1,524, an increase of $215 each year. Now include two accidents along with the one speeding ticket and the yearly cost of auto insurance for a Ford Fusion goes up to an average of $3,376. That’s an increase of $2,066, or $172 per month, just for not driving responsibly!

Which major car insurance company is best?

When comparing insurance for a Fusion in Alaska, the first places to look would be Allstate, Progressive, State Farm, and Geico. If you combine them together, they insure about half of all car insurance policies in America. All of them offer liability and physical damage protection, but each on has a slightly different mix of options and features that policyholders can choose from. The data below compares and contrasts price and claims rank as well as some different options you can buy with each company.