Cheapest Insurance for a Ford Fusion in Ohio

Whether or not you can find the best cheap coverage for a Ford Fusion in Ohio is dependent upon a complex rating formula that takes into consideration things such as your age, if you are currently insured, and your choice of physical damage deductibles. Drivers in Ohio pay on average $870 per year to insure a Fusion, but that amount is based on cost data for a 40-year-old single male driver who requires full coverage and $250 policy deductibles.

But there is a high likelihood that you are not exactly 40 years old and possibly not even male, you might be married instead of single, or maybe you live in a different part of Ohio than the example. Having what appears to be a very minor change in the criteria used to calculate rates could end up in a significant change in rates.

Everyone has unique insurance needs, and this illustrates why your best shot at finding the most affordable coverage for your Ford is to compare rates from as many companies as possible.

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Vehicle trim level tends to have a direct effect on the cost of insurance, so the price you will be charged to insure a Fusion S 4-Dr Sedan will be $164 cheaper than the insurance cost for the more well-appointed Fusion Sport AWD 4-Dr Sedan model, as shown in the prices below.

Data rating is based on single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Rate information does not factor in garaging location in Ohio which can impact prices significantly.

Finding out which companies offer the cheapest insurance rates for a Ford Fusion takes a little more effort than just comparing rates from one or two companies. Every car insurance company uses different criteria to set premium rates, so let’s take a look at the most budget-friendly insurance companies in Ohio.

It’s important to know that Ohio insurance rates are based on many factors which can substantially decrease or increase the cost of a policy. Improving your credit score, buying a different home, or getting a speeding ticket may generate price changes that can cause some rates to be much cheaper than others.

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Utica National offers some of the cheapest car insurance rates in Ohio at around $647 per year. Erie, Allied, Frankenmuth, and Travelers also rank well as some of the most economical Ohio insurance companies.

As shown above, if you are a customer of Frankenmuth and switched to Utica National, you could realize a yearly price reduction of around $61. Ohio drivers with Travelers could save as much as $65 a year, and USAA customers might reduce prices by as much as $86 a year.

To find the cheapest insurance for a Ford Fusion in Ohio, click here to start your custom quote or click several companies below for low rates.

These policy rates are averaged for all insureds and vehicles and and are not calculated with a specific rate value for a Ford Fusion. So the insurer that can offer you the best price may not even be featured in the list above. That underscores the importance of why you need to compare as many prices as possible using your own specific driver information and vehicle.

The information below demonstrates how deductibles can influence insurance costs when quoting cheap insurance for a Ford Fusion. The price estimates are based on a single male driver, comp and collision included, and no policy discounts are applied.

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A 40-year-old driver could lower their car insurance rates by $298 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $448 by changing to a $1,000 deductible. Younger drivers, like the age 20 example, could roll back prices up to $986 or more by choosing larger deductibles on their policy. If you do raise deductibles, it is essential to have enough in a savings account to enable you to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.

Cost comparison with and without full coverage

Finding the cheapest insurance for a Ford Fusion in Ohio should be important to most vehicle owners, and one common way to pay lower rates for insurance is to not buy comprehensive and collision coverage. The chart below compares auto insurance costs when comparing full coverage to liability only. The data assumes no claims or driving citations, $500 deductibles, single status, and no policy discounts are applied.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $500 Deductibles’, ‘Liability Only’],[‘Age 20’, 2347,815],[‘Age 30’, 1227,451],[‘Age 40’, 1209,419],[‘Age 50’, 1103,393],[‘Age 60’, 1069,387],[‘Age 70’, 1303,513]]);var options = {title: ‘Price Comparison of Full Coverage Versus Liability Only’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Ford Fusion in Ohio’,minValue: 0,format: ‘$###,###’},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(‘qcibfcl’));chart.draw(data, options);}

On average, physical damage coverage on your policy costs $1,376 per year more than just buying liability insurance. That brings up the question if you should buy full coverage. There is no clear-cut rule for eliminating comprehensive and collision coverage on your policy, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is about 10% or more of replacement cost minus your deductible, then it may be the right time to buy liability only.

For example, let’s pretend your vehicle’s settlement value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, you would only receive $6,000 after the deductible is paid. If it’s costing in excess of $600 a year for your policy with full coverage, then it might be time to consider dropping full coverage.

There are some scenarios where only buying liability is not recommended. If you still have a loan on your vehicle, you have to maintain full coverage to satisfy the loan requirements. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage.