How Much are Insurance Quotes for a Ford Fusion in Indiana?

When the topic is auto 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 hard to find. But don’t despair, because we will show you how you can quote and buy car insurance that is easier on your budget.

The odds of finding cheaper car insurance for a Ford Fusion in Indiana is dependent upon things such as your marital status, your credit history, and the level of deductible you choose. Drivers in Indiana pay on average $960 a year to insure a Ford Fusion, but that figure is a valuation that uses rate data for a 50-year-old single female that included comprehensive and collision coverage and $250 deductibles.

Odds are that you may not be 50 years old (or even female), possibly married instead of single, or you need different physical damage deductibles. Just a minor change in policy rating factors can make a big difference in the policy rate.

Every driver’s needs are different, and that is why the best method for finding cheap car insurance rates for your Ford is to do your own rate comparisons.

Cheapest Ford Fusion Insurance Rates

The trim level of your Ford impacts the coverage cost, so the price to insure a Fusion S 4-Dr Sedan will be $176 less expensive the insurance cost for the higher-end Fusion Sport AWD 4-Dr Sedan version, as shown below.

Cost estimates assume single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Indiana minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Price information does not factor in specific zip code location which can revise premiums considerably.

Buying coverage from the best insurance company can be difficult considering how many companies are available to choose from in Indiana. The company rank data below may help you select which providers you want to consider when buying insurance for a Ford Fusion. The ratings below only include companies with a national presence, so smaller regional companies are not factored into this list.

Top 10 Major Auto Insurers in Indiana Ranked by Claims Service

1. Progressive
2. Travelers
3. Liberty Mutual
4. Nationwide
5. USAA
6. GEICO
7. AAA Insurance
8. Safeco Insurance
9. Esurance
10. The General

Top 10 Major Auto Insurers Overall in Indiana

1. USAA
2. 21st Century
3. GEICO
4. Nationwide
5. AAA Insurance
6. Liberty Mutual
7. Safeco Insurance
8. State Farm
9. Travelers
10. American Family

Top Companies for Ford Fusion Insurance in Indiana

Get discount Indiana insurance rates

Auto insurance companies that provide cheap insurance for a Ford Fusion in Indiana may provide price discounts that could potentially reduce rates by 25% or more if you are eligible. Large auto insurance companies and a selection of discounts include:

The diagram below visualizes the comparison of car insurance rates with and without discounts applied. The prices are based on a female driver, no claims, a clean driving record, Indiana state minimum liability limits, full coverage, and $500 deductibles.

The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with anti-theft, accident-free, defensive driving course, passive restraint, multiple vehicle, and marriage discounts applied. When discounts are factored in, the the average amount saved on auto insurance for a Ford Fusion is % or $.

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Safe drivers pay cheaper rates

The best way to maintain cheap insurance for a Ford Fusion in Indiana is to be a safe driver and avoid accidents and violations. The diagram below highlights how speeding tickets and accident claims can affect car insurance rates for each different age group. The data is based on a single male driver, full physical damage coverage, $250 deductibles, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and One Accident’],[‘Age 20’, 3269,3893,4521],[‘Age 30’, 1695,2319,2945],[‘Age 40’, 1681,2305,2931],[‘Age 50’, 1527,2151,2779],[‘Age 60’, 1477,2101,2729],[‘Age 70’, 1789,2415,3039]]);var options = {title: ‘Impact of Violations and Accidents on Indiana 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 Indiana’,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);}

The chart shows that the average cost of auto insurance in Indiana per year with no accidents or violations is $1,906. Add in two speeding tickets and the average cost increases to $2,531, an increase of $624 each year. Next add one accident along with the two speeding tickets and the yearly cost of auto insurance for a Ford Fusion increases to an average of $3,157. That’s an increase of $1,251, or $104 per month, just for being a less-than-perfect driver!

Who has the cheapest Ford Fusion insurance quotes?

You have many ways to purchase auto insurance in Indiana, but the three most common ways are from an exclusive insurance agency like Auto-Owners or State Farm, an independent agent, or direct online or over the phone from a company like Progressive or Geico.

All three ways can provide auto insurance quotes, but each is different in how they function.

Independent agencies are appointed by several companies and can compare rates with each one. Agents of this type have the option to give you more rates, which can give you better odds of saving money. If a cheaper price is found, the business is moved internally without having to get a different agent.

An exclusive ageny is only able to quote rates with just one company, two of the more popular are a Farmers or Allstate agent. They usually cannot shop your coverage around, so if finding the cheapest auto insurance is your goal, you will want to shop around.

Buying direct means you do not use an exlusive or independent agent and instead shop from a direct company like Esurance. This option may be the best choice families who have limited assets and know more than average about what auto insurance covers and what it doesn’t.

Which method works best to find cheap insurance for a Ford Fusion in Indiana? Most drivers assume that buying from a direct company results in the cheapest rates because you bypass the middleman, but unfortunately, that is not always true. We could also say that buying from an independent agent results in the cheapest rates since they can quote with many companies, but that assumption is also not necessarily accurate. For some people, exclusive agencies have price quotes that other companies cannot beat.

Due to the large number of rating factors, the only true way to make sure you’re not overpaying for auto insurance is to get quotes and compare. The best approach is to get rate quotes from all three to give yourself the best selection. For a list of auto insurance companies with low rates, click here to view.

How to get cheap insurance for a Ford Fusion in Indiana

It’s not impossible to find cheaper rates, and here are a few penny-pinching solutions that can help Indiana drivers locate more affordable car insurance.

• Good credit scores may make rates cheaper
• Vehicles with good safety ratings have lower liability rates
• Increase physical damage deductibles
• Full coverage is expensive so only insure older vehicles for liability only
• Accident-free drivers may qualify for discounts
• Just one traffic violation will increase your rates
• Look for cheaper rates once a year by shopping around

The last tip is incredibly valuable, as we pointed out in the article above. Prices charged by auto insurers change frequently, so don’t be hesitant to buy from a different company if a lower price can be found.

Having brand loyalty is commendable, but is isn’t recommended if that loyalty results in overpaying thousands of dollars over several years. Spend a few minutes and compare prices and find cheaper car insurance for a Ford Fusion.