How Much is Insurance for a Ford Fusion in Massachusetts?

Your chances of buying cheaper auto insurance for a Ford Fusion in Massachusetts depends on a lot of rating criteria like how you use your Fusion, if you have maintained coverage continuously, and deductibles for comprehensive and collision coverage. Drivers will pay on average $1,560 a year to buy Ford Fusion insurance, but that is a ballpark figure calculated based on a 30-year-old single female driver who requires both comprehensive and collision coverage and $100 deductibles.

The problem with using this number is the good chance you may not be 30 years old (or even female), maybe you are married instead of single, or you need different physical damage deductibles. Everone’s needs are different, and this illustrates why the best method for finding cheap auto insurance rates for your Ford is to get into the habit of shopping around regularly.

Cheapest Ford Fusion Insurance Rates

Vehicle trim level will likely have an effect on the yearly cost, so the price you pay to insure a Fusion S 4-Dr Sedan model will cost $310 less than the insurance cost for the more well-appointed Fusion Sport AWD 4-Dr Sedan trim level, as demonstrated by the prices below.

Data rating is based on single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Massachusetts minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Estimates do not factor in specific location information which can modify coverage prices noticeably.

Ending up with a highly-rated auto insurance company is difficult considering how many choices you have in Massachusetts. The company rank data displayed below could help you select which companies to look at when comparing auto insurance rates for a Ford Fusion. The ratings below are for companies with a national presence, so companies that only write business in Massachusetts or surrounding areas will not be included in the list.

Top 10 Large Auto Insurers Overall in Massachusetts

1. The Hartford
2. Progressive
3. Travelers
4. State Farm
5. Farmers Insurance
6. Safeco Insurance
7. USAA
8. GEICO
9. Liberty Mutual
10. AAA Insurance

Top Companies for Ford Fusion Insurance in Massachusetts

Discounts on cheap insurance for a Ford Fusion in Massachusetts

Insurance providers that provide coverage for a Ford Fusion may also give you discounts that could reduce prices by as much as 35% or more if you meet certain criteria. Larger insurance companies and some of the discounts include:

The diagram below visualizes the comparison of car insurance costs with and without discounts applied to the policy rates. The premium estimates are based on a male driver, no violations or accidents, Massachusetts state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with multiple vehicle, accident-free, anti-theft, safe-driver, multiple policy, and homeowner discounts applied. With discounts applied, the average savings per year on insurance for a Ford Fusion is 33% or $649.

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Violations and accidents raise rates

The ideal way to earn cheap insurance for a Ford Fusion in Massachusetts is to drive safe and maintain a clean driving record. The diagram below highlights how speeding tickets and at-fault collisions can impact car insurance rates for each age group. The premium estimates are based on a single female driver, full physical damage coverage, $500 deductibles, and no discounts are applied to the premium.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and One Accident’],[‘Age 20’, 3029,3305,4077],[‘Age 30’, 2089,2365,3137],[‘Age 40’, 1941,2215,2989],[‘Age 50’, 1699,1971,2745],[‘Age 60’, 1641,1915,2689],[‘Age 70’, 1917,2189,2961]]);var options = {title: ‘Impact of Citations and Accidents on Massachusetts 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 Massachusetts’,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);}

In the prior example, the average cost of car insurance per year with no accidents and a clean driving record is $2,053. Get written up for one speeding ticket and the average cost rises to $2,327, an increase of $274 each year. Then include one accident along with the one speeding ticket and the yearly cost of insurance for a Ford Fusion jumps again to an average of $3,100. That’s an increase of $1,047, or $87 per month, just for not driving carefully!

How to find cheap insurance for a Ford Fusion in Massachusetts

Here are a few money-saving ideas that can help drivers get lower-cost coverage.

• Raise deductibles
• Being accident-free can lower rates significantly
• Higher credit ratings may save you money
• Safer vehicles generally have cheaper insurance rates
• You will pay more if you get tickets or have at-fault accidents
• Shop your coverage around for the best deal

The last tip in the list is highly crucial, as we noted in this write-up. Rates can be modified anytime, so don’t hesitate to switch carriers if a more affordable price is available. Many drivers have brand loyalty and that’s fine, but it’s not a great idea if it’s costing you hundreds of dollars a year. In just a couple of minutes you could compare rates to find cheaper car insurance for a Ford Fusion.

Who has the cheapest Ford Fusion insurance quotes?

Consumers have many ways to quote insurance rates in Massachusetts, but the most frequently used are through a captive (or exclusive) agency such as Allstate or Auto-Owners, an independent or non-exclusive agent, or direct online or over the phone from a company like Progressive or Geico.

They all have the same end result, but it’s important to understand the differences in how they work.

Independent insurance agents work with multiple companies and can compare coverage rates with all of them. These types of agents can quote rates with many companies, which may give you a better overall rate comparison. If prices rise, they simply move your policy to a different company and you stay with the same agent.

A captive or exclusive agent is usually restricted to just one company like Farmers Insurance or State Farm agents. These agents usually cannot quote prices from more than just one company, so it’s a good idea to get additional price quotes.

Insurance from a direct company means you do not use an independent or exclusive agent and buy direct from companies such as Progressive or Geico. This option can be a good choice for drivers who have fewer assets and have some degree of understanding of what insurance covers and what it doesn’t.

What is the best way to find cheap insurance for a Ford Fusion in Massachusetts? The majority of people assume that buying direct yields the cheapest rates since there isn’t an agent involved, but in reality, that is not the case. We’d also like to say buying insurance from an independent agent guarantees the cheapest rates since they can quote with many companies, but that assumption is also not accurate. In many cases, exclusive agents may have very competitive prices that independents and direct companies can’t touch.

Because it’s impossible to say who has the best insurance rates, the one way to make sure you’re not overpaying for insurance is to get quotes and compare. It’s recommended that drivers get price quotes from independent, exclusive, and direct to give yourself the best selection. For a list of companies with online discounts, click here to view.