Who Has the Cheapest Insurance Quotes for a Ford Fusion in Maine?

Your chances of buying cheaper coverage for a Ford Fusion in Maine depends on an enormous amount of rating factors like if you own the home you live in, your credit rating, and whether or not you are a good driver. Drivers pay around $630 per year to insure a Ford Fusion, but that rate is an estimate using rate data for a 40-year-old single female that wants full physical damage coverage and $1,000 deductibles.

More than likely, you’re not a 40-year-old female, married instead of single, or maybe you just want to insure for liability only. What seems to be a minor change in rating variables or coverage information can result in a large change in the coverage rate.

Different coverage needs are the reason why the only real way to find the cheapest insurance price for your Ford is to get into the habit of shopping around regularly.

Cheapest Ford Fusion Insurance Rates

The specific model of Fusion will likely have an effect on the insurance rate, so the rate you will pay to insure a Fusion S 4-Dr Sedan will be $92 less than the price to insure the fancier Fusion Sport AWD 4-Dr Sedan model, as shown below.

Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Maine minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Premium costs do not factor in your specific Maine location which can modify premiums noticeably.

Finding dependable, cheap auto insurance is easier said than done, and determining which company has the cheapest auto insurance rates for a Ford Fusion calls for even more diligence.

Each auto insurance company uses their own calculation for setting prices, so first let’s look at the rankings for the auto insurance companies that tend to have lower prices in Maine.

Best Insurance Companies for Your Fusion

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Travelers offers some of the lowest car insurance rates in Maine at around $606 each year. USAA, Countryway Insurance, Patriot, and Vermont Mutual would also make the list of some of the more affordable Maine insurance companies.

As the example above demonstrates, if you buy coverage from Patriot and switched to USAA, you might see savings of in the vicinity of $81. Drivers with Vermont Mutual might save as much as $85 a year, and The Hartford policyholders might reduce rates by $113 a year.

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

Remember that these policy prices are averages for all ages of drivers and types of vehicles and do not factor in a specific rate value for a Ford Fusion. So the auto insurance company that fits your age and vehicle best may not even be included in the above list. That point stresses why you need to quote rates from as many companies as possible using your own driver information and specific vehicle type.

Discount Maine car insurance

Car insurance companies that sell the cheapest insurance for a Ford Fusion in Maine may provide price discounts that could potentially reduce rates by 30% or more if you meet certain criteria. A list of companies and their possible discounts are detailed below.

The illustration below shows the comparison of yearly insurance costs with and without discounts applied to the policy premium. The premiums are based on a female driver, no claims, a clean driving record, Maine state minimum liability limits, comp and collision included, and $100 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second shows the rates with claim-free, anti-theft, passive restraint, safe-driver, multiple policy, and multiple vehicle discounts applied. When these discounts are applied to the policy premium, the the average yearly reduction on auto insurance for a Ford Fusion is % or $.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 2297,1659],[‘Age 30’, 1609,1171],[‘Age 40’, 1487,1085],[‘Age 50’, 1303,949],[‘Age 60’, 1261,917],[‘Age 70’, 1457,1055]]);var options = {title: ‘Effect of Discounts on Insurance Rates 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’,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);}

Are you paying too much for car insurance?

Maine auto insurance rates are influenced by many factors which can significantly increase or decrease the price you have to pay. Simply having a birthday, moving to a different location, or getting a ticket for careless driving can produce rate changes that may make certain companies cheaper than others.

Not only that, but insurers amend premium rates as often as every three months in order to remain profitable. Higher than normal claim frequency or severity can cause rate increases, while profitable underwriting may produce cheaper Fusion insurance rates.

As an example, the bar chart below shows rates for the cheapest car insurance in Maine for a 30-year-old male driver with a good driving record, no prior claims, and excellent credit. If we look at prices based on his current risk profile, Travelers may have the lowest car insurance rates in Maine at $606 each year. This is $438 less than the average policy premium paid by Maine drivers of $1,044. USAA, Countryway Insurance, Vermont Mutual, and Patriot are the rest of the cheapest Maine auto insurance companies.

google.charts.setOnLoadCallback(drawMEWitcqcibChart);function drawMEWitcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘Travelers’, 606, ‘#09836F’],[‘USAA’, 641, ‘#076D5C’],[‘Countryway Insurance’, 713, ‘#055A4C’],[‘Vermont Mutual’, 714, ‘#044B3F’],[‘Patriot’, 738, ‘#033E34’]]);var options = {title: ‘Best Cheap Auto Insurance for a Ford Fusion’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:838,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwitc’));chart.draw(view, options);}

Let’s now give the driver from above an accident claim, less-than-perfect credit, and a speeding ticket. Since each insurance company uses a different method for determining rates, getting updated rate quotes could result in a substantially altered list of affordable Maine car insurance companies as shown below.

google.charts.setOnLoadCallback(drawMEWcqcibChart);function drawMEWcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘MetLife’, 847, ‘#DB7900’],[‘Concord’, 924, ‘#B66400’],[‘OneBeacon’, 944.9, ‘#975300’],[‘MMG Insurance’, 975.7, ‘#7D4500’],[‘USAA’, 1025.6, ‘#683900’]]);var options = {title: ‘Best Rates with Accidents and Violations’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 300,’chartArea’:{left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1125.6,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwc’));chart.draw(view, options);}

MetLife now has the best price on car insurance in Maine with Concord, OneBeacon, MMG Insurance, and USAA completing the list. This example demonstrates why Maine drivers need to do a thorough rate comparison to get the cheapest insurance rates for a Ford Fusion. Auto insurance prices are influenced by many factors and can increase or decrease at any time, so the best company two years ago may now be an over-priced policy.

How to find economical auto insurance for a Ford Fusion

The list below details some thrifty solutions that can help Maine drivers get cheap coverage.

• Increase physical damage deductibles
• Full coverage is expensive so only insure older vehicles for liability only
• Being accident-free can lower rates significantly
• Avoid getting tickets or violations
• If possible, pay for small claims out-of-pocket
• Comparison shop at least every other year

That last tip is particularly significant, as was stressed in the prior article. Rates can change in a short period of time, so don’t be unwilling to buy from a different company if you can find a cheaper rate.

Staying with the same car insurance company is fine, but it isn’t a good idea if it’s costing you money that could be spent on other things. It only takes a couple minutes to compare rates and find cheaper insurance for a Ford Fusion.

Cheapest Ford Fusion insurance quotes

You have a lot of ways to shop around for auto insurance in Maine, but the three most common are through an independent or non-exclusive agent, an exlusive agent such as Liberty Mutual or State Farm, or direct from companies such as Progressive or Geico.

Each way has the same basic process, but shoppers should understand the differences in how they function.

Independent insurance agents work for many companies and can provide price quotes from each one. These agents are not restricted to one company and can give you more rate choices, which can give you the best chance of finding a lower price. If your agent finds a cheaper company, it’s easy for the agent to move the policy without having to get a different agent.

Exclusive agencies are only able to write business for just one company like an Auto-Owners or State Farm agent. Exclusive agents cannot provide prices from multiple companies, so always compare other rates.

If you choose to buy auto insurance direct, you skip an agent and buy direct online or over the phone from a company like Progressive or Geico. This option is a good choice for consumers who do not have complex finances and know more than average about what specific coverages and deductibles they need.

What is the best method to buy the cheapest insurance for a Ford Fusion in Maine? Most drivers assume that buying from a direct car insurance company yields the cheapest rates since it doesn’t require paying agent commissions, but that does not always hold true. We could also assume that using an independent agent is the best way to go since they can provide multiple quotes, but again, it’s not necessarily true. For some people, the exclusive agents have extremely competitive rates that are the cheapest.

Since auto insurance companies use so many rating factors, the guaranteed way to get the lowest rate is to obtain price quotes and compare them. Experts recommend getting rate quotes from all three to give yourself enough choices. To see some of the cheapest online companies available, click here to view.