Cheapest Insurance Quotes for a Ford Fusion in West Virginia

When writing about shopping for car insurance, the word “cheap” should not be used anywhere in the article as a descriptor for car insurance rates. Regardless, cheap auto insurance for a Ford Fusion can be extremely hard to find. But don’t let us ruin your dream, because we will tell you how you can still find coverage that you are able to afford.

Your odds of finding the best cheap coverage for a Ford Fusion in West Virginia is contingent on a calculation that uses factors such as the age of the Fusion, the performance level of your vehicle, and if you have tickets or violations. Drivers pay an average of $1,290 per year to insure a Fusion, but that amount is using a 50-year-old single male driver who needs comprehensive and collision coverage and $250 deductibles.

But there is a high likelihood that you are not 50 and possibly not even male, you might be married instead of single, and you probably do not live in the same zip code as the example. Everone’s needs are different, and this illustrates why your best chance at finding cheap auto insurance rates for your Ford is to just compare rates yourself.

View Ford Fusion Insurance Rates

Your Ford’s trim level impacts the cost of insurance, so the rate you pay to insure a Fusion S 4-Dr Sedan will cost $238 less than the price to insure the more well-appointed Fusion Sport AWD 4-Dr Sedan version, as shown below.

Table data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and West Virginia minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Rate quotes do not factor in specific zip code location which can impact insurance rates noticeably.

Figuring out which companies offer the cheapest car insurance rates for a Ford Fusion requires a bit more effort in order to find coverage that fits your buget. Each auto insurance company used slightly different criteria for determining prices, so we’ll take a look at the overall cheapest car insurance companies in West Virginia.

It’s important that readers know that West Virginia car insurance rates are impacted by many factors which can substantially decrease or increase the cost of your policy. Turning one year older, getting married, or getting a few speeding tickets can trigger rate changes that may make certain companies more affordable than before.

Find Cheaper Auto Insurance for Your Fusion

Compare Rates Now

Erie quotes some of the most affordable car insurance rates in West Virginia at around $940 annually. The Hartford, State Auto, USAA, and Westfield would also make the list of some of the cheaper West Virginia insurance companies.

As illustrated above, if you currently buy coverage from The Hartford and switched to Erie, you could realize savings of around $78. Drivers with State Auto could save as much as $326 a year, and USAA insureds might cut rates by $373 a year.

Understand that those estimates are averaged across all types of insureds and vehicles and do not take into consideration a specific rate factor for a Ford Fusion. So the company that is most affordable for your situation may not even be in the above list. That illustrates why you need to quote rates from as many companies as possible using your own driver data and vehicle information.

Discounts on the cheapest insurance for a Ford Fusion in West Virginia

Car insurance companies that provide policies for a Ford Fusion could also offer rate discounts that could reduce prices by as much as 35% or more if you meet eligibility requirements. Larger car insurance companies and their offered discounts are shown below.

• State Farm may have discounts that include Drive Safe & Save, anti-theft, good student, safe vehicle, and defensive driving training.
• Progressive may offer discounts for homeowner, multi-vehicle, continuous coverage, online signing, and good student.
• Travelers policyholders can earn discounts including multi-policy, continuous insurance, good student, driver training, new car, and early quote.
• American Family offers discounts for Steer into Savings, air bags, accident-free, mySafetyValet, early bird, and defensive driver.
• Liberty Mutual includes discounts for hybrid vehicle, good student, newly retired, multi-policy, new move discount, newly married, and exclusive group savings.

The chart below illustrates the difference between insurance costs with and without discounts applied. The data is based on a female driver, no claims or violations, West Virginia state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with passive restraint, homeowner, defensive driving course, multiple vehicle, marriage, and vehicle safety discounts applied. When discounts are factored in, the the amount saved on car insurance for a Ford Fusion is 28% or $583.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 3111,2237],[‘Age 30’, 2135,1549],[‘Age 40’, 1985,1437],[‘Age 50’, 1737,1259],[‘Age 60’, 1681,1215],[‘Age 70’, 1963,1415]]);var options = {title: ‘Insurance Rate Comparison 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: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Insurance Cost for a Ford Fusion in West Virginia’,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);}

The diagram below shows how choosing a deductible can raise or lower insurance prices when trying to find cheap insurance for a Ford Fusion. The costs are based on a single female driver, comp and collision included, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 3803,3473,3111,2769],[‘Age 30’, 2649,2409,2135,1873],[‘Age 40’, 2449,2231,1985,1749],[‘Age 50’, 2143,1953,1737,1529],[‘Age 60’, 2073,1889,1681,1483],[‘Age 70’, 2403,2193,1963,1745]]);var options = {title: ‘Effect of Deductibles on Ford Fusion Insurance Rates in West Virginia’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Ford Fusion’,minValue: 0,format: ‘$###,###’},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 cut expenses by $406 a year by switching from a $100 deductible up to a $500 deductible, or save $614 by switching to a $1,000 deductible. Young drivers, such as the Age 20 example, could potentially save up to $1,034 or more just by choosing larger deductibles. When insureds make the decision to increase the deductibles on their policy, it will be required to have enough savings to offset the extra out-of-pocket expense that deters many people from opting for higher deductibles.

Geico vs State Farm vs Allstate vs Progressive

When shopping for car insurance, the four most popular companies are Geico, State Farm, Allstate, and Progressive. The table below compares some of the different options .