Cheap Insurance for a Ford Fusion in Missouri

Finding the cheapest insurance for a Ford Fusion in Missouri is contingent on many factors such as your date of birth, whether or not you are currently insured, and citations or violations on your driving record. Missouri drivers on average pay approximately $980 a year to buy Ford Fusion insurance, but that policy rate is a ballpark figure calculated using a 40-year-old married female driver with full comprehensive and collision coverage and $100 policy deductibles.

There is a good possibility you’re not a 40-year-old female, maybe you are single instead of married, or maybe you’ve had an at-fault accident or two. Every car insurance policy is unique to the driver, so the only real way to find the cheapest coverage for your Ford is to just take the time to compare rates yourself.

Compare Rates Now

The trim level of your vehicle can impact the cost of insurance, so the price you will be charged to insure a Fusion S 4-Dr Sedan model will be $194 cheaper than the price to insure the fancier Fusion Sport AWD 4-Dr Sedan version, as shown in the chart below.

Table data represents married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Missouri minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Information does not factor in specific Missouri garaging location which can influence premium rates noticeably.

Insuring your vehicle with a high-quality insurance company can be rather challenging considering how many companies sell insurance in Missouri. The company rank data shown below may help you analyze which car insurance companies to look at purchasing from. These rankings are for the largest companies in America, so smaller companies are not included in this list.

How careless driving impacts car insurance rates

The recommended way to snag the best car insurance prices in Missouri for a Fusion is to be a safe driver and not have accidents or get tickets. The illustration below shows how violations and accident claims impact yearly insurance costs for each age group. The price estimates are based on a single male driver, full physical damage coverage, $100 deductibles, and no other 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 Two Accidents’],[‘Age 20’, 3427,3679,5717],[‘Age 30’, 1759,2009,4045],[‘Age 40’, 1757,2005,4043],[‘Age 50’, 1595,1843,3879],[‘Age 60’, 1539,1787,3827],[‘Age 70’, 1857,2107,4143]]);var options = {title: ‘Accidents, Violations, and Missouri 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 Missouri’,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);}

The data in the chart shows the average cost of a car insurance policy in Missouri per year with a clean driving record and no accidents is $1,989. Add in one speeding ticket and the average cost surges to $2,238, an increase of $249 each year. Now include two accidents along with the one speeding ticket and the 12-month cost of car insurance for a Ford Fusion increases to an average of $4,276. That’s an increase of $2,287, or $191 per month, just for not keeping your driving record clean!

The chart below demonstrates how deductibles can impact premium costs when searching for cheap insurance for a Ford Fusion. The premiums assume a single male driver, comprehensive and collision coverage, and no discounts are applied.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 3739,3369,2963,2583],[‘Age 30’, 1905,1735,1535,1343],[‘Age 40’, 1915,1729,1523,1325],[‘Age 50’, 1733,1571,1385,1209],[‘Age 60’, 1673,1515,1339,1169],[‘Age 70’, 2009,1827,1629,1441]]);var options = {title: ‘Impact of Higher Deductibles on Ford Fusion Insurance Rates in Missouri’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Ford Fusion’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

A 40-year-old driver could save $348 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $524 by changing to a $1,000 deductible. Even younger insureds, like the age 20 example, could possibly save up to $1,156 each year just by using higher deductibles.

When increasing deductibles, it will be necessary to have additional funds in a savings account to enable you to pay the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.