Who Has the Cheapest Insurance for a Ford Fusion in Kansas?

Buying the cheapest insurance for a Ford Fusion in Kansas is contingent on a complex rating formula that takes into consideration things such as your financial responsibility, whether or not you are currently insured, and if you have any chargeable driving offenses. Drivers in Kansas on average pay around $650 a year to buy Ford Fusion insurance, but that amount is an estimate based upon a 50-year-old married female driver that includes full coverage and $1,000 deductibles.

Odds are that you are not 50 years old and maybe not even female, single instead of married, or maybe you want more liability coverage than is required by law in Kansas. Making minor changes in the factors used in pricing a policy can produce large changes in the rate quoted for a Ford Fusion.

There is no one cookie-cutter policy that works for everyone, so the most reliable method for finding affordable rates for your Ford is to take your time and compare rates from as many companies as possible. Price quotes are quick and you will be able to compare rates from some of the best insurers that offer coverage in Kansas.

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Your Ford’s trim level will have an impact the cost of insurance, so the price you pay to insure a Fusion S 4-Dr Sedan model will be $96 less than the price to insure the high end Fusion Sport AWD 4-Dr Sedan model, as shown in the chart below.

Data rating is based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Kansas minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Information does not factor in zip code location which can influence prices greatly.

Buying low-priced car insurance is not easy, and figuring out which insurers offer the cheapest auto insurance rates for a Ford Fusion requires even more shopping around. Every insurance provider uses a different method to determine rates, so let’s begin by examining the lowest cost auto insurance companies in Kansas.

It’s important that readers know that Kansas auto insurance rates are impacted by many factors that may substantially change the price of coverage. That is why Kansas drivers need to shop around when trying to find the most budget-friendly auto insurance rates for a Ford Fusion. Insurance prices are made up of many risk factors and change dramatically, so the lowest-price company the last time you shopped your coverage around may now cost much more than other companies.

Cheap Insurance Rates for Your Fusion

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USAA has some of the cheapest car insurance rates in Kansas at around $743 per year. The Hartford, Allied, Travelers, and Auto-Owners would also be considered some of the more affordable Kansas insurance companies.

As depicted above, if you are insured with Allied and switched to USAA, you might realize an annual savings of approxmiately $311. Drivers with Travelers could save as much as $330 a year, and Auto-Owners policyholders might lower prices by up to $352 a year.

To see how much you can save, click here to start your free quote or visit several of the following companies.

Bear in mind that those policy rates are averages for all ages of drivers and types of vehicles and do not take into consideration a specific rating modification for a Ford Fusion. So the insurer that fits you best may not even be shown in the rate chart shown above. That underscores the importance of why you need to get quotes using your own driver information and specific vehicle type.

Discounts on Kansas insurance

Auto insurance companies that offer the cheapest insurance for a Ford Fusion in Kansas may also provide special discounts that may potentially lower prices by 30% or more if you are eligible to receive them. Companies and a summarized list of policyholder discounts are outlined below.

The example below compares auto insurance rates with and without discounts applied. The information is based on a male driver, no violations or claims, Kansas state minimum liability limits, comp and collision included, and $250 deductibles.

The first bar for each age group shows the price with no discounts. The lower bar shows the rates with homeowner, multiple vehicle, vehicle safety, defensive driving course, anti-theft, and safe-driver discounts applied. When these discounts are applied to the policy premium, the average amount saved each year on auto insurance for a Ford Fusion is 17% or $237.

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Violations and accidents raise rates

The ideal way to earn the cheapest insurance for a Ford Fusion in Kansas is to drive cautiously and avoid accidents and traffic citations. The chart below shows how violations and at-fault claims can impact car insurance costs for different categories of driver ages. Data assumes a single female driver, full coverage, $100 deductibles, and no additional discounts are factored in.

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’, 2971,3239,4005],[‘Age 30’, 2071,2341,3103],[‘Age 40’, 1915,2187,2951],[‘Age 50’, 1675,1947,2711],[‘Age 60’, 1619,1885,2653],[‘Age 70’, 1879,2147,2913]]);var options = {title: ‘Impact of Violations and Accidents on Kansas 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 Kansas’,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 example above, the average cost of auto insurance per year with no accidents and a clean driving record is $2,022. Get written up for one speeding ticket and the average cost surges to $2,291, an increase of $269 each year. Now throw in one accident along with the one speeding ticket and the yearly cost of auto insurance for a Ford Fusion jumps again to an average of $3,056. That’s an increase of $1,034, or $86 per month, just for not driving carefully!

Allstate, Geico, State Farm, and Progressive: Who is cheapest?

If you are shopping around for auto insurance, four of the best places to start are Allstate, Geico, State Farm, and Progressive. They all offer your standard coverages, but each one has unique features and discounts that add value to each policy. The data below compares and contrasts some of the different options and features .