Who Has Cheap Insurance Quotes for a Ford Fusion in Oregon?

Your chances of finding affordable auto insurance for a Ford Fusion in Oregon relies on a complicated formula that considers factors like how long your commute is, if you have a lapse in coverage, and deductible levels for physical damage coverage. Drivers pay around $1,120 every 12 months for Fusion insurance, but that rate is an approximation based upon a 50-year-old single male that wants full physical damage coverage and $250 policy deductibles.

That rate won’t apply to everyone, because more than likely you are not exactly 50 years old and possibly not even male, maybe you are married instead of single, and maybe your credit level is not the same as what was rated. Insurance prices are based on the driver profile your best chance at finding cheap insurance prices for your Ford is to do a thorough rate comparison.

Compare Ford Fusion Insurance Rates

The specific trim level has an effect on price, so the price to insure a Fusion S 4-Dr Sedan trim level will be $208 cheaper than the insurance cost for the more well-appointed Fusion Sport AWD 4-Dr Sedan version, as shown in the chart below.

Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Oregon minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Price estimates do not factor in specific Oregon garaging location which can revise price quotes noticeably.

Buying coverage from a highly-rated company is hard considering how many companies provide coverage in Oregon. The company ratings shown below can help you choose which insurers you want to consider comparing price quotes from. These ratings are for insurance companies that insure vehicles in the majority of U.S. states, so companies that may only write in Oregon are not taken into consideration for this list.

Violations and accidents raise rates

The easiest way to enjoy good insurance prices in Oregon for a Fusion is to be a safe driver and avoid traffic citations and accidents. The example below shows how violations and accident claims drive up insurance premiums for each different age category. The information is based on a married male driver, full coverage, $1,000 deductibles, and no discounts are applied.

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The data above shows the average cost of car insurance per year with no violations or accidents is $1,350. Receive one speeding ticket and the average cost rises to $1,555, an increase of $205 each year. Then add in two accidents along with the one speeding ticket and the annual cost of insurance for a Ford Fusion increases to an average of $3,473. That’s an increase of $2,122, or $177 per month, just for a couple of infractions!

The information below highlights how deductible choice can change annual premium costs when getting quotes for cheap insurance for a Ford Fusion. The information is based on a married male driver, full coverage, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 4119,3749,3343,2959],[‘Age 30’, 2137,1943,1723,1513],[‘Age 40’, 2049,1871,1669,1477],[‘Age 50’, 1879,1717,1535,1359],[‘Age 60’, 1845,1685,1505,1333],[‘Age 70’, 2127,1951,1757,1575]]);var options = {title: ‘Impact of Deductibles on Ford Fusion Insurance Rates in Oregon’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Ford Fusion’,minValue: 0,format: ‘$###,###’},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 50-year-old driver could lower their car insurance rates by $344 a year by increasing from a $100 deductible to a $500 deductible, or save $520 by selecting a $1,000 deductible. Even younger insureds, such as the 20-year-old example, could save up to $1,160 or more by choosing larger deductibles on their policy. When raising deductibles, it is essential to have enough in a savings account to enable you to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

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

When it comes to insurance for a Fusion in Oregon, the first places to look would be Geico, State Farm, Progressive, and Allstate. Each one has unique features and discounts that shoppers can select from. The table below ranks ratings for price and service, as well as some optional coverages you can expect with each one.