Who Has Cheap Insurance for a Ford Fusion in Montana?

When writing about shopping for car insurance, the word cheap should not appear anywhere to describe car insurance prices. Despite the oxymoron, cheap car insurance for a Ford Fusion can be difficult to find. Don’t let that get you down, though, because there may be ways you can get car insurance that you can afford.

Your ability to find the cheapest car insurance for a Ford Fusion in Montana depends upon a complex formula that factors things like how you use your vehicle, whether or not you are currently insured, and driving violations. Drivers in Montana on average pay around $1,900 per year to buy insurance for a Ford Fusion, but that rate is a valuation using rating data for a 50-year-old married male who purchased full physical damage coverage and $100 policy deductibles.

It’s highly likely that you’re not a 50-year-old male, maybe you are single instead of married, or maybe you want more liability coverage than is required by law in Montana. Even a slight difference in quote information can result in a large change in rates.

Different coverage needs are the reason why your best chance at finding cheap insurance prices for your Ford is to get into the habit of comparing rates once a year.

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The trim level of your Fusion will be a contributing factor to the cost of insurance, so the price you will be charged to insure a Fusion S 4-Dr Sedan will be $372 lower than the cost to insure the high end Fusion Sport AWD 4-Dr Sedan model, as shown in the prices below.

Prices based on married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Montana minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Rates do not factor in specific zip code location which can raise or lower premiums greatly.

Choosing the right company can be challenging considering how many companies are available to choose from in Montana. The information in the lists below could help you choose which companies you want to consider when comparing rates.

These ratings are only comprised of companies that insure vehicles nationwide, so companies with more of a regional focus are not included in this list. To get rate quotes from the most competitive companies in Montana, click here.

The information below shows how choosing a deductible can increase or decrease insurance rates when researching cheap insurance for a Ford Fusion. The data assumes a married male driver, full coverage, and no additional discounts are factored in.

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A 40-year-old driver could lower their policy premium by $562 a year by switching from a $100 deductible to a $500 deductible, or save $848 by using a $1,000 deductible. Even younger drivers, such as the 20-year-old chart data, could drop their prices as much as $1,882 annually by choosing larger deductibles on their policy.

When using a larger deductible, it is necessary to have emergency funds available to allow you to pay the extra out-of-pocket expense that comes with higher deductibles.

Types of discounts on Montana auto insurance

Insurance providers that provide cheap insurance for a Ford Fusion in Montana may also give you special discounts that could lower prices by 30% or more if you are eligible to receive them. A list of auto insurance companies and a partial list of their discounts include:

• State Farm offers discounts including accident-free, Steer Clear safe driver discount, safe vehicle, good student, and driver’s education.
• GEICO offers discounts for military active duty, five-year accident-free, federal employee, driver training, daytime running lights, air bags, and membership and employees.
• Allstate has savings for EZ pay plan discount, good payer, premier plus, auto/life discount, anti-lock brakes, early signing, and premier discount.
• SAFECO may include discounts for teen safe driver, homeowner, accident prevention training, bundle discounts, teen safety rewards, anti-lock brakes, and anti-theft.
• Farm Bureau policyholders can earn discounts including driver training, 55 and retired, renewal discount, good student, multi-policy, and youthful driver.
• Progressive may have discounts that include online signing, multi-policy, homeowner, good student, and multi-vehicle.
• AAA includes discounts for anti-theft, multi-car, good student, multi-policy, education and occupation, and AAA membership discount.

The illustration below visualizes the comparison of car insurance rates with and without discounts being applied to the rates. The prices are based on a male driver, no violations or claims, Montana state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.

The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with defensive driving course, anti-theft, vehicle safety, safe-driver, multiple vehicle, and homeowner discounts applied. When discounts are applied, the the average amount saved on auto insurance for a Ford Fusion is 28% or $803.

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

When comparing rates for insurance for a Fusion, four of the larger companies to compare rates for are Progressive, Allstate, State Farm, and Geico. When added together, they insure 48.5% of all auto insurance policies in force. The following table shows pricing and service ratings, as well as optional policy coverages offered by each company.

Who has the cheapest Ford Fusion insurance quotes?

Drivers have a lot of different ways to find lower-cost auto insurance in Montana, but the three most common ways are through an independent agent, an exclusive insurance agent like Allstate or Auto-Owners, or from a direct company like Progressive.

Each way has the same basic steps, but they are slightly different in how they price policies.

Independent agents are appointed by several companies and can do rate comparisons with every one. These types of agencies are not limited to a single company and can compare multiple rates, which can give you the best chance of saving money. If your premiums go up, your policy can be moved which prevents you from having to find a new agency.

Exclusive agencies are only able to quote rates with just one company, two of the more popular are a State Farm or Farmers agent. They generally cannot place coverage with different providers, so if finding the cheapest coverage is your goal, you will need to shop around.

If you choose to buy auto insurance direct, you forego local insurance agents and instead shop direct online or over the phone from a company like Esurance or Progressive. Buying auto insurance direct is a good choice for families who do not need high amounts of coverage and know how their policy works.

So out of those three methods, which one works best to find cheap insurance for a Ford Fusion in Montana? Most people would assume that buying direct results in the cheapest price since no commissions are paid to an agent, but unfortunately, that is not always true. It would also be easy to say going through an independent agent guarantees the best prices because you have more choices, but again, it’s not a sure thing. And occasionally, exclusive agents may have very competitive prices that other companies cannot beat.

Due to the fact that auto insurance rates vary so much, the best way to buy the cheapest policy is to get quotes and compare the rates. To find the best rates, be sure to get quotes from all three types in order to have enough rates to compare. For a list of companies offering online discounts in Montana, click here to view.