How Much are Insurance Quotes for a Ford Fusion in Minnesota?

Our staff writers always rib each other than when writing about auto insurance, the words “cheap” or “affordable” should not appear anywhere in the article to describe car insurance prices. Regardless, cheap auto insurance for a Ford Fusion does not exist. But don’t despair, because we are going to show you how you can find and buy auto insurance that is cheaper than what you are paying now.

The chances of buying cheap auto insurance for a Ford Fusion in Minnesota is contingent on a complicated equation that takes into consideration things such as whether you are married, where your vehicle is garaged, and citations on your driving record. Minnesota drivers pay approximately $860 each year to insure a Ford Fusion, but that price is an estimate based on a 50-year-old single male driver that included full coverage including both comprehensive and collision and $1,000 deductibles.

Chances are that you are not 50 and maybe not even a male, maybe you are married instead of single, or possibly you just want cheap liability coverage. Making even small differences in rating variables or coverage information could result in a significant change in the amount insurance costs for a Ford Fusion.

Auto insurance is not “one size fits all”, so the only way to find cheap insurance rates for your Ford is to shop around at every renewal for lower rates. Quotes only take a few minutes and you will receive rate quotes from some of the best insurers in Minnesota.

Compare Ford Fusion Insurance Rates

The specific trim level has an effect on price, so the price to insure a Fusion S 4-Dr Sedan trim level will be $128 less expensive the price to insure the fancier Fusion Sport AWD 4-Dr Sedan model, as demonstrated by the prices below.

Prices based on single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Minnesota minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Premium amounts do not factor in zip code location which can impact premiums considerably.

Determining which company offers the lowest-priced auto insurance rates for a Ford Fusion will involve more time than just picking a company at random. Each insurer used slightly different criteria for setting rates, so let’s take a look at the auto insurance companies that tend to be cheaper in Minnesota.

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Travelers quotes some of the cheapest car insurance rates in Minnesota at around $647 per year. USAA, Farm Bureau Mutual, Western National, and The Hartford would also be considered some of the lowest-priced Minnesota car insurance companies.

In the above example, if you currently have a policy with Western National and switched to Travelers, you could earn a yearly savings of roughly $290. Drivers with The Hartford may save as much as $307 a year, and West Bend Mutual insureds might realize rate reductions of up to $325 a year.

Bear in mind that those rates are averages across all drivers and vehicles and are not factoring in a specific rating modification for a Ford Fusion. So the insurer that fits your age and vehicle best may not even be shown in the rate chart shown above. That points out the importance of why you need to get auto insurance quotes using your own individual information.

Discounts on Minnesota auto insurance rates

Insurance providers that provide cheap insurance for a Ford Fusion in Minnesota may provide premium discounts that could lower prices by 30% or more if you can meet the requirements. Popular auto insurance companies and some of the premium reductions they offer are detailed below.

The illustration below illustrates the comparison of annual premium costs with and without discounts applied to the premium. The costs are based on a female driver, a clean driving record, no at-fault accidents, Minnesota state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.

The first bar for each age group shows the price with no discounts. The second bar shows the rates with homeowner, anti-theft, multiple vehicle, accident-free, multiple policy, and vehicle safety discounts applied. When drivers qualify for the discounts, the the amount saved on auto insurance for a Ford Fusion is 15% or $260.

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

When comparing insurance for a Fusion in Minnesota, the first places to look would be Geico, State Farm, Progressive, and Allstate. When added together, they insure about half of the car insurance market in the United States. They all have your normal coverages like liability, comprehensive, and collision, but each one offers slightly different options that may influence your choice. The next table ranks ratings for price and service, as well as some optional coverages that may be available in your state.

How to find more affordable auto insurance for a Ford Fusion

The list below shows many money-saving suggestions that can help Minnesota drivers locate the cheapest auto insurance.

• Increase your credit rating
• Raise your deductibles
• Do not get traffic violations
• Save money by staying claim-free
• Do not get into accidents that are your fault
• Multi-policy discounts save money
• Compare prices as often as possible

The last tip is extremely critical, as was pointed out in the prior article. Rates in Minnesota can be modified anytime, so drivers shouldn’t be reluctant to switch carriers if a more affordable rate is found.

Being loyal to a particular company is commendable, but we do not recommend it if that dedication is costing money that could be used for better things. Take a couple minutes and compare rates and find cheaper car insurance for a Ford Fusion.