How Much is Insurance for a Ford Fusion in Maryland?

Whenever people write about car insurance, the word cheap should never appear anywhere in the article to describe car insurance rates. Despite the oxymoron, cheap car insurance for a Ford Fusion can be hard, if not impossible, to find. But fear not, because there may be ways you can find and buy car insurance that is more budget-friendly.

Buying cheaper coverage for a Ford Fusion in Maryland depends upon a pretty complex algorithm that uses a lot of factors like whether you use your Fusion for business use, the likelihood of vehicle theft, and if you have any chargeable driving offenses. Drivers in Maryland on average pay around $1,100 per year to buy insurance for a Ford Fusion, but that cost is a ballpark figure based on cost data for a 50-year-old single male that wants full comprehensive and collision coverage and $1,000 policy deductibles.

There is a good probability you are not exactly 50 years old and possibly not even male, maybe you are married instead of single, or maybe you just want different deductibles. Changing even a minor factor in the rating criteria used to formulate rates can cause big changes in how much coverage for a Ford Fusion costs.

Everyone has different rating factors, so the best way to find the cheapest insurance price for your Ford is to just compare rates yourself.

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The specific model of Fusion will have an impact the yearly cost, so the price you pay to insure a Fusion S 4-Dr Sedan model will be $166 less than the cost to insure the fancier Fusion Sport AWD 4-Dr Sedan trim level, as demonstrated by the prices below.

Table data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Maryland minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Table data does not factor in specific zip code location which can modify auto insurance rates significantly.

Choosing the highest-rated auto insurance company can be difficult considering how many companies are available to choose from in Maryland. The ranking information shown next could help you decide which auto insurers to look at when comparing insurance rates for a Ford Fusion.

These rankings are only comprised of companies who write in the majority of U.S. states, so companies with more of a regional focus are not taken into consideration for these rankings. To compare price quotes from the most competitive companies in Maryland, follow this link.

Top 10 Major Car Insurance Companies Overall in Maryland

1. Travelers
2. USAA
3. AAA Insurance
4. Nationwide
5. Allstate
6. State Farm
7. The Hartford
8. Safeco Insurance
9. Progressive
10. American Family

Top Companies for Ford Fusion Insurance in Maryland

The information below illustrates how your choice of deductibles can change insurance costs when searching for cheap insurance for a Ford Fusion. The costs are based on a single female driver, comprehensive and collision coverage, and no policy discounts are applied.

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A 50-year-old driver could lower their car insurance rates by $500 a year by switching from a $100 deductible to a $500 deductible, or save $750 by selecting a $1,000 deductible. Even younger insureds, like the Age 20 category, could drop their prices up to $1,282 every year just by using higher deductibles.

When raising deductibles, it will now be necessary to have plenty of money set aside to satisfy the extra out-of-pocket expense that comes with higher deductibles.

Liability only or full coverage

Finding cheap insurance for a Ford Fusion in Maryland is probably important to most drivers, and one good way to reduce the cost of insurance is to only pay for liability coverage. The illustration below illustrates the difference between insurance prices with full physical damage coverage compared to only buying liability only. The price estimates are based on no claims, a clean driving record, $500 deductibles, drivers are not married, and no policy discounts are applied.

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Averaged for all age groups, physical damage insurance costs $2,623 per year more than just insuring for liability. That may make you wonder if buying full coverage is worth the money. There is no exact rule of when to phase out physical damage insurance, but there is a general convention. If the annual cost of coverage is 10% or more of replacement cost minus your deductible, then you may want to consider only buying liability coverage.

Who has the cheapest Ford Fusion insurance quotes?

Consumers have many ways to find affordable insurance in Maryland, but the three most common are either through an exclusive agency like State Farm or Allstate, a non-exclusive or independent agent, or direct either online or via phone. They all follow the same basic process, but they are slightly different in how they provide rate quotes.

Independent agencies write for multiple companies and can compare rates with all of them. Agents of this type have the ability to get prices from more than one company, which can help you get the best idea of how your rates compare. If they quote lower rates, your policy can be moved and you stay with the same agent.

Exclusive agents are able to place business with a single company, two examples being a State Farm or Liberty Mutual agent. Exclusive agents generally are unable to provide a range of price quotes, so you will not be able to compare multiple prices.

Consumers who buy insurance direct bypass either of the other two types of agents and buy direct from companies such as Esurance or Geico. Shopping direct can be a good choice for consumers who do not need advice for asset protection and know more than average about the exclusions of a policy.

Out of those three methods, which one works best for finding cheap insurance for a Ford Fusion in Maryland? It would be obvious to point out buying from a direct company yields the cheapest rates since that prevents the need to pay agent commissions, but unfortunately, that is not the case. We could also say that an independent agent guarantees the lowest rates because you have more choices, but that assumption is not true either. For some people, exclusive agents may have very competitive prices that are well below what direct and independents offer.

Due to that fact that insurance uses so many rating variables, the only true way to get the lowest rate is to compare, compare, and compare some more. To cover all the bases, get price quotes from independent, exclusive, and direct to have enough rates to compare. For a list of companies with some of the cheapest Maryland insurance rates, click here to view.

Find cheap insurance for a Ford Fusion in Maryland

Here are some of the recommended money-saving ideas that can help drivers get low-cost car insurance.

• Frequent claims may make car insurance unaffordable
• Ensure your driving record is clean
• Do not insure for full coverage
• Avoid preventable accidents
• Increase your deductibles
• Comparison shop at least every other year

That last tip is especially significant, as we discussed in this write-up. Prices charged by auto insurers fluctuate constantly, so don’t be tentative to buy from a new company if a lower price can be found. Many drivers tend to have loyalty to a certain company, but it’s not recommended if that inflexibility results in costing you lots of money. Spend a few minutes and shop around to find cheaper car insurance for a Ford Fusion.