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

Whenever people write about car insurance, the words “affordable” or “cheap” should not be used as a descriptor for auto insurance rates. Unfortunately, cheap car insurance for a Ford Fusion is not easy to find. Don’t let that discourage you, because we will tell you how you can still get car insurance that is easy on your budget.

Your chances of buying cheaper car insurance for a Ford Fusion in Kentucky relies on a lot of rating factors such as your birth date, your geographic location, and blemishes on your driving record. Drivers pay approximately $1,120 annually for Fusion insurance, but that price is an estimate based on a 50-year-old single female that includes comprehensive and collision coverage and $250 physical damage deductibles.

It’s more than likely that you are not 50 and possibly not even female, you might be married instead of single, or maybe your driving record isn’t squeaky clean. Every insurance policy is unique to the driver, so the best way to find cheap car insurance rates for your Ford is to compare as many rates as you can. Comparing quotes is easy and you will get price quotes from some of the best companies around.

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The specific model of Fusion will have an impact the coverage cost, so the price to insure a Fusion S 4-Dr Sedan will be $206 less expensive the cost to insure the more well-appointed Fusion Sport AWD 4-Dr Sedan model, as shown by the rates below.

Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Kentucky minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Rate information does not factor in Kentucky location which can decrease or increase coverage rates considerably.

Establishing which insurers offer the cheapest insurance rates for a Ford Fusion will involve a little more effort in order to find the most economical policy.

Every car insurance company uses their own calculation for determining rates in each state, so let’s take a look at the most budget-friendly insurance companies in Kentucky. It’s important to understand that Kentucky insurance rates are determined by lots of factors which can substantially decrease or increase the policy premium. Simply having a birthday, marrying your spouse, or getting a speeding ticket can produce rate changes resulting in some rates now being more affordable than others.

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Cincinnati Insurance may have some of the cheapest car insurance rates in Kentucky at around $1,126 each year. Kentucky Farm Bureau, USAA, Auto-Owners, and Motorists Mutual also rank well as some of the cheaper Kentucky auto insurance companies.

In the above example, if you currently have a policy with Kentucky Farm Bureau and switched to Cincinnati Insurance, you could see an annual premium reduction of upwards of $48. Insureds with USAA might save as much as $49 a year, and Auto-Owners customers might see rate reductions of $273 a year.

To find cheap insurance for a Ford Fusion in Kentucky, click here to begin a quote or visit any of the low-priced companies below.

It’s important to note that these premiums are averages for all types of drivers and the different vehicles they drive and and are not calculated with a specific rate factor for a Ford Fusion. So the auto insurance company that fits you best may not even be included in the chart above. That emphasizes why you need to compare prices as often as possible using your own driver information and specific vehicle type.

Bad driving habits will cost you more

The ideal way to score the cheapest insurance rates in Kentucky for a Fusion is to drive attentively and avoid at-fault accidents and violations. The information below illustrates how speeding tickets and at-fault fender-benders can raise insurance premiums for different ages of insureds. The data is based on a single female driver, full coverage, $500 deductibles, and no discounts are applied to the premium.

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In the previous example, the average cost of auto insurance in Kentucky per year with no violations or accidents is $1,736. Receive one speeding ticket and the average cost hikes up to $1,969, an increase of $233 each year. Then add one accident along with the one speeding ticket and the 12-month cost of insurance for a Ford Fusion jumps again to an average of $2,615. That’s an increase of $879, or $73 per month, just for not driving responsibly!

Discounts on cheap insurance for a Ford Fusion in Kentucky

Insurers that provide policies for a Ford Fusion may also provide rate discounts that may potentially lower prices by as much as 35% or more if you are eligible. Companies and a summarized list of policyholder discounts are detailed below.

• Mercury Insurance may have discounts that include annual mileage, professional/association, location of vehicle, good student, low natural disaster claims, good driver, and multi-car.
• Farmers Insurance has savings for bundle discounts, business and professional, multi-car, pay in full, teen driver, distant student, and good student.
• Farm Bureau includes discounts for renewal discount, 55 and retired, multi-vehicle, multi-policy, and good student.
• State Farm may include discounts for driver’s education, defensive driving training, safe vehicle, anti-theft, good student, and multiple policy.
• Allstate offers discounts for defensive driver, multi-policy, good student, anti-lock brakes, teenSMART discount, auto/life discount, and 55 and retired.
• GEICO offers discounts including good student, anti-theft, five-year accident-free, defensive driver, air bags, seat belt use, and multi-policy.

The information below illustrates the difference between insurance prices with and without discounts applied. The data is based on a female driver, no violations or accidents, Kentucky state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with passive restraint, multiple vehicle, multiple policy, claim-free, anti-theft, and homeowner discounts applied. When taking advantage of discounts, the the amount saved on insurance for a Ford Fusion is 28% or $579.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 3089,2227],[‘Age 30’, 2143,1555],[‘Age 40’, 1987,1443],[‘Age 50’, 1737,1259],[‘Age 60’, 1679,1219],[‘Age 70’, 1955,1411]]);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 Kentucky’,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);}

Is Allstate, Geico, State Farm, or Progressive cheaper?

If you are looking for the best auto insurance, four companies to consider are Allstate, Geico, State Farm, and Progressive. Between them, they insure almost 50% of all policies written. The table below rates price, claims, and customer service ratings, as well as some optional coverages that you can purchase from each one.