Best Cheap Insurance for a Ford Fusion in Tennessee

Our editors keep telling us that when writing about car insurance, the word cheap shouldn’t be used anywhere in the article. It’s a simple fact that cheap auto insurance for a Ford Fusion is pretty hard to find. We’ll try to make it up to you, because we will teach you how you can quote car insurance that doesn’t break your budget.

Your chances of buying the best cheap coverage for a Ford Fusion in Tennessee relies on things like when you were born, whether or not you have prior claims, and whether or not you are a good driver. Drivers pay approximately $1,230 a year to buy insurance for a Ford Fusion, but that price is an estimation based on rates for a 30-year-old single male who needs comprehensive and collision coverage and $100 policy deductibles.

More likely than not, you aren’t exactly 30 years old or even a male, possibly married instead of single, or maybe you need higher liability limits than the state minimum. Every driver has a different risk profile, so your best shot at finding the most affordable coverage for your Ford is to shop your policy around at every renewal. Price quotes are quick and you can get prices from the best auto insurance companies that insure Ford vehicles in Tennessee.

Compare Rates and Save

The specific model of Fusion will influence the annual cost of coverage, so the cost to insure a Fusion S 4-Dr Sedan model will be $232 less than the insurance cost for the high end Fusion Sport AWD 4-Dr Sedan version, as shown below.

Premium data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Tennessee minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Price estimates do not factor in specific location information which can lower or raise rates substantially.

Buying coverage from a high-quality car insurance provider can be rather challenging considering how many choices there are in Tennessee. The company information shown below could help you choose which insurers you want to consider comparing price quotes from.

These rankings include large, nationwide insurance companies, so companies that have a smaller presence are not taken into consideration for these rankings. If you wish to compare rates and find cheaper insurance for a Ford Fusion, click here.

Top 10 Large Auto Insurers in Tennessee Ranked by Customer Satisfaction

1. USAA – 91%
2. AAA Insurance – 90%
3. Esurance – 90%
4. Nationwide – 89%
5. Travelers – 88%
6. Progressive – 88%
7. Safeco Insurance – 88%
8. State Farm – 88%
9. Allstate – 88%
10. The Hartford – 87%

Top 10 Large Auto Insurers in Tennessee Ranked by Claims Service

1. Travelers
2. Nationwide
3. Allstate
4. State Farm
5. Liberty Mutual
6. GEICO
7. American Family
8. Esurance
9. AAA Insurance
10. Titan Insurance

Top Companies for Ford Fusion Insurance in Tennessee

Full coverage rates compared to liability only

Finding the best cheap insurance for a Ford Fusion in Tennessee should be important to the majority of people, and one good way to save on the cost of insurance is to not insure for full coverage. The information below illustrates the comparison of car insurance costs with full coverage and liability only. The prices are based on no claims, a clean driving record, $250 deductibles, marital status is single, and no other discounts are factored in.

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If averaged out across all ages, physical damage insurance costs an additional $2,287 per year more than insuring for liability only. At some point, every insured wonders if buying full coverage is worth the money. There is no clear-cut rule of when to phase out physical damage coverage, but there is a general convention. If the annual cost of having full coverage is about 10% or more of replacement cost minus your deductible, then it may be the right time to buy liability only.

Discounts on Tennessee auto insurance

Insurance providers that offer the best cheap insurance for a Ford Fusion in Tennessee could also offer rate discounts that could potentially reduce rates by 30% or more if you meet specific criteria. Large insurance companies and a selection of discounts are shown below.

• State Farm may include discounts for driver’s education, anti-theft, Steer Clear safe driver discount, defensive driving training, and multiple policy.
• Farmers Insurance has savings for distant student, teen driver, early shopping, multi-car, alternative fuel, electronic funds transfer, and business and professional.
• Progressive offers discounts including homeowner, multi-policy, online quote discount, online signing, continuous coverage, and good student.
• GEICO discounts include five-year accident-free, seat belt use, good student, daytime running lights, federal employee, membership and employees, and military active duty.
• Auto-Owners Insurance offers discounts for good student, paid in full, safe vehicle, safe driver, air bags, and student away at school.
• The Hartford includes discounts for vehicle fuel type, bundle, driver training, anti-theft, and good student.
• Farm Bureau offers premium reductions for 55 and retired, safe driver, youthful driver, multi-vehicle, driver training, good student, and renewal discount.
• USAA may offer discounts for safe driver, defensive driver, annual mileage, good student, and driver training.

The example below illustrates the difference between annual premium costs with and without discounts applied to the policy rates. Data assumes a male driver, no accidents or driving violations, Tennessee state minimum liability limits, comp and collision included, and $250 deductibles.

The first bar for each age group shows the average rate with no discounts. The second shows the rates with passive restraint, defensive driving course, claim-free, anti-theft, accident-free, and homeowner discounts applied. When taking advantage of discounts, the average amount saved each year on insurance for a Ford Fusion is 28% or $541.

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

When it comes to insurance for a Fusion, four companies you’ll want quotes from are Allstate, Progressive, State Farm, and Geico. If you combine them together, they insure nearly half of all car insurance policies in America. They all have your normal coverages like liability, comprehensive, and collision, but each one offers a distict selection of optional coverages and features that shoppers can select from. The following table breaks down price, claims, and customer service ratings, as well as some optional coverages that may be available in Tennessee.