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

Our editors have a joke that when writing about car insurance, the words cheap or affordable really should not be used anywhere in the article to describe car insurance rates. Nonetheless, cheap auto insurance for a Ford Fusion is not always easy to find. But fear not, because we will show you how you can still get insurance that you are able to afford.

Your ability to find cheaper auto insurance for a Ford Fusion in Wisconsin hinges on lots of different factors like if you are married or single, if you are currently insured, and deductible levels for physical damage coverage. Drivers in Wisconsin pay an average of $520 every 12 months to buy Ford Fusion insurance, but that policy rate is using rate data for a 50-year-old married female driver that has full physical damage coverage and $1,000 policy deductibles.

It’s highly likely that you are not 50 and maybe not even a female, maybe you are single instead of married, or maybe you’re a renter instead of a homeowner. Auto insurance requires individual risk assessment, so the only real way to find cheap car insurance rates for your Ford is to put in the effort to do a thorough rate comparison. Quotes only take a couple of minutes and you will receive rate quotes from some of the best companies that sell coverage in Wisconsin.

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The trim level of your Ford will likely have an effect on the yearly cost, so the price to insure a Fusion S 4-Dr Sedan will be $78 less than the insurance cost for the more well-appointed Fusion Sport AWD 4-Dr Sedan model, as shown in the chart below.

Premium data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Wisconsin minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Rate quotes do not factor in the specific area where the vehicle is garaged which can change premiums considerably.

Figuring out which companies have the cheapest car insurance rates for a Ford Fusion requires more work in order to find the lowest price.

Each auto insurance company has their own unique process for filing rates in each state, so we need to take a look at the car insurance companies with the most affordable rates in Wisconsin.

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USAA may have some of the cheapest car insurance rates in Wisconsin at around $586 a year. Partners Mutual, Erie, Pekin Insurance, and Nationwide also are some of the lowest-priced Wisconsin insurance companies.

As the example above demonstrates, if you are a customer of Erie and switched to USAA, you might achieve an annual savings of in the neighborhood of $138. Drivers with Pekin Insurance could save as much as $159 a year, and Nationwide customers might see rate reductions of $166 a year.

If you want to find out if you’re overpaying, click here to get a free quote or visit any of the low-priced companies below.

It’s important to note that these policy prices are averages across all drivers and vehicles in Wisconsin and do not factor in a specific rate factor for a Ford Fusion. So the company that can offer you the best price may not even be featured in the list of companies shown earlier. That point stresses why you need to get rate quotes from many companies using your own personal information and vehicle type.

The diagram below shows how choosing a deductible can increase or decrease insurance costs when researching cheap insurance for a Ford Fusion. The price estimates are based on a single male driver, comp and collision included, and no discounts are applied.

As shown above, a 40-year-old driver could lower their policy premium by $266 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $398 by choosing a $1,000 deductible. Young drivers, like the 20-year-old category, can save $872 or more just by using higher deductibles. When choosing a higher deductible, it’s a good idea to have enough savings set aside to enable you to pay the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.

Here’s why you should compare rates often

Wisconsin car insurance rates are impacted by many things that control the cost of coverage. Improving your credit score, moving across town, or getting a reckless driving citation can trigger changes in premium that can now make some companies more affordable than before.

And not only may your rating factors change, but insurers file new Wisconsin auto insurance rates every year in order to be able to pay unexpected claims. Higher than normal claims may cause additional premium costs, while lower claims can cause cheaper Fusion insurance rates.

For instance, the bar chart below shows which companies have the cheapest car insurance in Wisconsin for a 40-year-old male driver with a clear driving record, no claims, and a good credit history. If we estimate prices based on his current risk profile, USAA may have the best car insurance rates in Wisconsin at $580 a year. This is $581 less than the average price paid by Wisconsin drivers of $1,161. Partners Mutual, Erie, Rural Mutual Insurance, and Rockford Mutual round out the rest of the most affordable Wisconsin auto insurance companies.

Let’s now give the driver in the first chart a chargeable claim, poor credit, and a traffic citation. Since every insurance provider uses their own calculation for establishing rates, analyzing rates most likely will result in a significantly different list of the cheapest companies as shown below.

Nationwide now has the cheapest car insurance in Wisconsin with Pekin Insurance, Western National, Travelers, and West Bend Mutual also having competitive pricing. This example shows why consumers need to compare many different companies to find the best insurance rates for a Ford Fusion.

Prices consist of many things and can decrease or increase without notice, so the most economical company when you bought your policy may now be costing you a lot of money.

How to find cheaper car insurance for a Ford Fusion

The list below shows some of the better penny-pinching suggestions that can help Wisconsin drivers quote low-cost car insurance.

• Do not insure for full coverage
• Pay for small claims rather than turning them in to your insurance company
• Buying your home and auto policies from the same company can earn a discount
• Increase your policy deductibles
• Vehicles with good safety ratings are usually cheaper to insure
• Improve your credit
• Check for cheaper rates once a year

That final tip is especially crucial, as we hit on in the article above. Car insurance rates in Wisconsin fluctuate considerably, so don’t be unwilling to switch companies if you find a better deal.

Brand loyalty is not necessarily bad, but we do not recommend it if that loyalty ends up costing big bucks every year. Now is a great time to compare rates to find cheaper auto insurance for a Ford Fusion.