How Much Does Insurance Cost for a Ford Fusion in Connecticut?

Because the topic is car insurance, the words cheap or affordable really should not be used as a descriptor for car insurance rates. Please forgive the oxymoron, but cheap auto insurance for a Ford Fusion is not always easy to find. Don’t let that get you down, though, because we are going to show you some ways you can quote and buy auto insurance that is more budget-friendly.

Buying the cheapest car insurance for a Ford Fusion in Connecticut hinges on a complicated formula that considers factors such as if you are married or single, if you currently have coverage, and driving violations. Connecticut drivers pay on average $1,350 annually to buy Ford Fusion insurance, but that price is a valuation that rates a 40-year-old single female that included full comprehensive and collision coverage and $250 deductibles.

There is a good possibility you may not be 40 years old (or even female), possibly married instead of single, or maybe you have a speeding ticket that needs to be factored in. Having different needs demonstrates why your best shot at finding cheap insurance prices for your Ford is to regularly compare rates at renewal.

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Your Ford’s trim level can impact the cost of insurance, so the rate you pay to insure a Fusion S 4-Dr Sedan trim level will be $246 less than the cost to insure the higher-priced Fusion Sport AWD 4-Dr Sedan model, as shown in the table below.

Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Connecticut minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Rates do not factor in vehicle location which can alter auto insurance rates greatly.

Finding out which companies quote the most affordable insurance rates for a Ford Fusion will involve more work in order to find the best price. Every car insurance company has their own process for setting prices, so we’ll go over the lowest cost insurance companies in Connecticut.

It’s important to understand that Connecticut insurance rates are based on many factors that control the price you have to pay. Getting older, adding a teenager to your policy, or getting a DUI can trigger changes in premium resulting in some companies being cheaper than before.

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Utica National generally has some of the cheapest car insurance rates in Connecticut at around $965 a year. Travelers, USAA, Amica, and Nationwide also rank well as some of the best Connecticut insurance companies.

As the rates illustrate above, if you buy coverage from Travelers and switched to Utica National, you may realize yearly savings of roughly $160. Insureds with USAA may save as much as $256 a year, and Amica customers might see rate reductions of $292 a year.

Bear in mind that those policy rates are averaged for all drivers and vehicles and do not take into consideration a specific rating modification for a Ford Fusion. So the auto insurance company that is best suited for you may not even be in the above list. That is why you need to get auto insurance quotes using your own driver information and specific vehicle type.

Discount Connecticut car insurance rates

Insurance providers that offer cheap insurance for a Ford Fusion in Connecticut may have discounts that can reduce rates by 40% or more if you meet specific criteria. A list of insurance companies and the discounts they provide can be found below.

• GEICO offers premium reductions for military active duty, federal employee, good student, multi-policy, emergency military deployment, and five-year accident-free.
• Travelers may have discounts that include home ownership, driver training, multi-policy, IntelliDrive, hybrid/electric vehicle, continuous insurance, and student away at school.
• Nationwide has savings for Farm Bureau membership, anti-theft, business or organization, multi-policy, easy pay, defensive driving, and accident-free.
• Farmers Insurance offers discounts including good student, mature driver, alternative fuel, business and professional, and switch companies.
• Esurance policyholders can earn discounts including online quote, online shopper, Switch & Save, good driver, good student, and multi-policy.
• State Farm offers discounts for good student, defensive driving training, student away at school, multiple policy, Drive Safe & Save, safe vehicle, and Steer Clear safe driver discount.
• Progressive may include discounts for online quote discount, continuous coverage, good student, homeowner, and multi-policy.
• Mercury Insurance may offer discounts for type of vehicle, anti-theft, low natural disaster claims, good driver, and ease of repair.

The illustration below compares yearly insurance costs with and without some available policy discounts. The prices are based on a male driver, a clean driving record, no at-fault accidents, Connecticut state minimum liability limits, full physical damage coverage, and $100 deductibles.

The first bar for each age group shows the price with no discounts. The second bar shows the rates with multiple policy, passive restraint, marriage, defensive driving course, anti-theft, and vehicle safety discounts applied. When discounts are factored in, the the amount saved on insurance for a Ford Fusion is 28% or $832.

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Which major car insurance company is best?

When comparing insurance for a Fusion, the companies with the most market share are State Farm, Geico, Progressive, and Allstate. If you put them all together, they insure about half of all car insurance policies in America. The next table ranks some of the different options offered by each company.

Best cheap Ford Fusion insurance quotes

There are many ways to quote insurance rates in Connecticut, but the three most common methods are using a non-exclusive or independent agent, an exclusive insurance agent such as State Farm or Allstate, or buying direct from a company like Geico or Progressive. Each way has the same basic process, but they differ slightly in how they give price quotes.

Independent insurance agents are appointed by several companies and can compare coverage rates with every one. These types of agents are not limited to a single company and can get prices from more than one company, which can give you a better chance of finding cheaper coverage. If you want to switch companies, they simply move the coverage in-house and you stay with the same agent.

An exclusive ageny is usually just provide rates from one insurance company, for example an Auto-Owners or Allstate agent. They are unable to quote prices from more than a single company, so it’s a good idea to get additional price quotes.

Opting to purchase insurance direct means you bypass local insurance agents and instead buy direct online or over the phone from a company like Geico or Progressive. This insurance option can be a good choice for consumers who do not have a complex risk profile and understand the exclusions of a policy.

So comparing independent agents, exclusive agents, and direct, which one works best to buy cheap insurance for a Ford Fusion in Connecticut? Most people assume that shopping direct saves money since there is no need to pay agent commissions, but unfortunately, it’s not that simple. We could also assume that buying insurance from an independent agent saves the most money because they can quote many companies, but again, it’s not necessarily true. And occasionally, exclusive agents may have prices that are the lowest in Connecticut.

Because there are so many factors that make up insurance rates, the best way to make sure you’re not overpaying for insurance is to get quotes and compare the rates. To find the best rates, be sure to get rate quotes from independent agents, exclusive agents, and direct companies to give yourself plenty of rates to compare. To see some of the cheapest online companies available, click here to view.

How to find budget-friendly insurance for a Ford Fusion

Lowering your rates is not difficult, and here are some of the recommended penny-pinching solutions that can help Connecticut drivers quote cheap coverage.

• Increase deductibles to save money
• Drive safe vehicles
• Increase your credit rating
• Prevent rate increases by staying accident-free
• Maintain a clean driving record
• Compare price quotes at least once a year

The last tip is especially valuable, as was noted in this write-up. Auto insurance rates fluctuate constantly, so don’t be hesitant to switch companies if a lower-cost policy is available.

Having brand loyalty is commendable, but it’s not recommended if that devotedness results in you overpaying hundreds of dollars year after year. Spend a few minutes and compare rates and find cheaper car insurance for a Ford Fusion.