Cheap Insurance Quotes for a Ford Fusion in Illinois

Your chances of finding the best cheap insurance for a Ford Fusion in Illinois depends upon many rating factors like driver age, if you currently have coverage, and driving citations. Drivers in Illinois on average pay around $670 annually to insure a Fusion, but that figure is based on a 50-year-old married female driver who purchased both comprehensive and collision coverage and $500 physical damage deductibles.

There is a very good chance that you may not be 50 years old (or even female), maybe you are single instead of married, or maybe you have a couple of speeding tickets. Insurance prices are based on the driver profile the best way to quote the cheapest insurance price for your Ford is to just compare rates yourself. Quotes only take a few minutes and you will receive price comparisons from the best companies available.

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Your vehicle’s trim level tends to impact the coverage cost, so the rate you will pay to insure a Fusion S 4-Dr Sedan trim level will be $112 cheaper than the insurance cost for the more costly Fusion Sport AWD 4-Dr Sedan trim level, as shown in the table below.

Prices based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Illinois minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Premium amounts do not factor in garaging location in Illinois which can change auto insurance rates greatly.

Buying low-cost auto insurance is difficult, and deciding which company offers the best insurance rates for a Ford Fusion takes additional perseverance. Each company has a unique approach for determining prices, so first we will examine the insurance companies that tend to have lower prices in Illinois.

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The Hartford may offer some of the cheapest car insurance rates in Illinois at around $769 annually. Rockford Mutual, Titan, Cincinnati Insurance, and Erie would also be considered some of the best Illinois insurance companies.

As illustrated above, if you have coverage with Cincinnati Insurance and switched to The Hartford, you might achieve annual savings of upwards of $119. Customers with Erie might save as much as $136 a year, and USAA policyholders might lower prices by up to $190 a year.

To get a fast rate comparison, click here to get a free quote or visit several of the following companies.

These policy rates are averages for all types of drivers and the different vehicles they drive and are not factoring in a specific rate value for a Ford Fusion. So the auto insurance company that is best for you may not even be in the list of companies above. That points out the importance of why you need to get quotes using your own driver information and specific vehicle type.

Full coverage rates compared to liability-only

Finding cheap insurance for a Ford Fusion in Illinois is the goal of most vehicle owners, and a great way to find cheaper insurance is to only buy liability insurance. The example below shows the comparison of yearly insurance costs with full physical damage coverage compared to only buying liability only. The premiums are based on a clean driving record, no at-fault accidents, $100 deductibles, single marital status, and no additional discounts are factored in.

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If all age groups are averaged, comp and collision coverage costs $2,120 per year over and above liability only. That may make you wonder if full coverage is worth the money. There is no definitive rule of when to eliminate physical damage coverage, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is more than 10% of the vehicle’s replacement cost less your deductible, then you may need to consider dropping full coverage.

For example, let’s assume your vehicle’s replacement value is $9,500 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most you would receive is $8,500 after the policy deductible has been paid. If it’s costing in excess of $850 annually for full coverage, then you may need to consider dropping full coverage.

There are some situations where dropping full coverage is not in your best interest. If you haven’t paid off your loan, you have to keep full coverage to protect the lienholder’s interest in the vehicle. Also, if you don’t have enough money to buy a different vehicle in case of an accident, you should not opt for liability only.

The information below demonstrates how deductible levels can raise or lower premium costs when researching cheap insurance for a Ford Fusion. The price estimates are based on a single female driver, full coverage, and no discounts are applied to the premium.

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In the chart above, a 40-year-old driver could pocket $288 a year by switching from a $100 deductible to a $500 deductible, or save $434 by changing to a $1,000 deductible. Young drivers, like the Age 20 chart data, have the ability to save up to $734 every year just by choosing higher deductibles when buying full coverage. When raising deductibles, it’s a good idea to have plenty of discretionary funds to be able to cover the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.

Tips for finding the cheapest car insurance for a Ford Fusion

The list below shows some of the recommended money-saving solutions that can help Illinois drivers quote cheap coverage.

• Speeding tickets and other violations increase rates
• Buying car and homeowners insurance together can save money
• Remain accident-free and save
• Try to remain claim-free
• Buy safe vehicles
• Compare quotes from other companies often

The last suggestion is extraordinarily crucial, as we noted in this piece. Auto insurance prices in Illinois can change in a short period of time, so don’t be unwilling to buy from a new company if a lower price can be found.

Having a favorite company is fine, but is isn’t recommended if that faithfulness ends up costing you lots of hard earned cash every month. Spend a few minutes and compare prices to find cheaper car insurance for a Ford Fusion.

Who is cheaper: Geico, State Farm, Progressive, or Allstate?

If you want the best insurance for a Fusion in Illinois, four of the larger companies to compare rates for are Geico, State Farm, Progressive, and Allstate. The data below ranks some of the ratings and options you can buy with each company.