Who Has Cheap Insurance Quotes for a Ford Fusion in South Carolina?

Our editors always tell us that when writing about auto insurance, the words cheap or affordable should never be used anywhere to describe car insurance prices. It’s just reality that cheap car insurance for a Ford Fusion can be hard, if not impossible, to find. Don’t let that get you down, though, because there may be ways you can find and buy coverage that works with your budget.

Your chances of buying cheaper insurance for a Ford Fusion in South Carolina depends on a whole bunch of rating criteria like your birth date, whether or not you garage your vehicle, and your driving record. South Carolina drivers pay an average rate of $930 annually to buy insurance for a Ford Fusion, but that policy rate is a ballpark figure based on cost data for a 50-year-old single male that included full coverage and $1,000 deductibles.

But there is a high likelihood that you’re not a 50-year-old male, you might be married instead of single, and you need different coverage limits than the sample rates. There is no “one size fits all” policy, so the best way to quote the cheapest insurance price for your Ford is to just take the time to compare rates yourself. Quotes are free and easy and you can get prices from some of the best insurers that insure Ford vehicles in South Carolina.

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The trim level of your vehicle tends to have a direct impact on the cost of coverage, so the price to insure a Fusion S 4-Dr Sedan will be $138 less than the insurance cost for the more costly Fusion Sport AWD 4-Dr Sedan model, as shown by the rates below.

Table data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and South Carolina minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Price estimates do not factor in specific South Carolina garaging location which can decrease or increase premiums substantially.

Deciding which companies offer the best auto insurance rates for a Ford Fusion may require a little more effort in order to find the most economical policy. Each company uses different criteria to set policy rates, so let’s look at the rankings for the most competitive auto insurance companies in South Carolina.

It’s important to understand that South Carolina auto insurance rates are impacted by many factors that may substantially change the price of your policy. Simply improving your credit, buying a different home, or getting a DUI may prompt premium changes that can make some companies affordable when they were higher priced.

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The Hartford has some of the most affordable car insurance rates in South Carolina at around $768 a year. USAA, State Auto, Auto-Owners, and SC Farm Bureau Mutual also make the cut as some of the cheapest South Carolina auto insurance companies.

As illustrated above, if you are a policyholder with USAA and switched to The Hartford, you might realize a yearly price reduction of around $247. South Carolina drivers with State Auto may save as much as $326 a year, and Auto-Owners insureds might lower prices by up to $351 a year.

To see how much you can save, click here to get a free quote or visit several of the following companies.

These policy prices are averaged across all ages of drivers and types of vehicles and do not take into consideration a specific rating modification for a Ford Fusion. So the insurer that fits your age and vehicle best may not even be in the list of companies above. That helps illustrate why you need to compare rates from as many companies as possible using your own personalized driver profile and vehicle information.

Discount South Carolina auto insurance rates

Insurers that sell cheap insurance for a Ford Fusion in South Carolina may also give you price discounts that could potentially reduce rates by 30% or more if you meet certain criteria. A list of auto insurance companies and their offered discounts are outlined below.

• GEICO has discounts for emergency military deployment, federal employee, anti-theft, anti-lock brakes, and multi-vehicle.
• USAA discounts include multi-vehicle, good student, annual mileage, family discount, and loyalty savings.
• Progressive offers premium reductions for multi-policy, online quote discount, homeowner, online signing, and good student.
• American Family offers discounts for bundled insurance, multi-vehicle, good student, good driver, and defensive driver.
• Esurance may include discounts for defensive driver, emergency road assistance, online quote, safety device, Pac-12 alumni, and paid-in-full.
• Farmers Insurance may offer discounts for alternative fuel, early shopping, distant student, multi-car, teen driver, and homeowner.
• State Farm offers discounts including Drive Safe & Save, student away at school, passive restraint, defensive driving training, multiple policy, and Steer Clear safe driver discount.

The example below compares auto insurance rates with and without discounts applied to the policy premium. The information is based on a male driver, no claims or driving violations, South Carolina state minimum liability limits, full physical damage coverage, and $250 deductibles.

The first bar for each age group shows premium with no discounts. The second shows the rates with vehicle safety, multiple vehicle, multiple policy, homeowner, accident-free, and safe-driver discounts applied. When these discounts are applied to the policy premium, the the average amount saved on auto insurance for a Ford Fusion is 28% or $691.

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Should you buy full coverage?

Finding cheap insurance for a Ford Fusion in South Carolina is probably important to the majority of vehicle owners, and one way to pay less for insurance is to only pay for liability coverage. The example below illustrates the difference between insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in South Carolina. The premiums assume no claims or driving violations, $1,000 deductibles, drivers are single, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $1,000 Deductibles’, ‘Liability Only’],[‘Age 20’, 3095,1213],[‘Age 30’, 1617,665],[‘Age 40’, 1583,617],[‘Age 50’, 1447,577],[‘Age 60’, 1405,569],[‘Age 70’, 1737,759]]);var options = {title: ‘Full Coverage Compared to Liability Only’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Ford Fusion in South Carolina’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibfcl’));chart.draw(data, options);}

Averaged for all age groups, comprehensive and collision coverage on your policy costs $1,814 per year over having just liability coverage. At some point, almost every driver questions if you should buy full coverage. There is no exact formula for excluding comp and collision coverage, but there is a guideline you can consider. If the yearly cost of full coverage is about 10% or more of the replacement cost minus the deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s pretend your vehicle’s settlement value is $9,500 and you have $1,000 deductibles. If your vehicle is totaled, the most you would get paid by your company is $8,500 after the deductible is paid. If premium cost is more than $850 a year for full coverage, then it’s probably a good time to buy liability coverage only.

There are some situations where dropping full coverage is not a good plan. If you still have a loan on your vehicle, you have to keep full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should not buy liability only.

How to find cheaper insurance for a Ford Fusion

The list below shows some thrifty suggestions that can help South Carolina drivers locate more affordable car insurance.

• Safe vehicles generally have lower rates
• Increase your credit score
• Maintain a safe distance and avoid accidents
• Maintain a clean driving record
• Try paying for small claims out-of-pocket
• Compare prices frequently to find the best deal

That last piece of advice is especially valuable, as we pointed out in the prior information. Prices in South Carolina vary considerably, so don’t be unwilling to buy from a new company if a lower price can be found. Many drivers prefer to stick with one company, but we do not recommend it if that dedication is costing hundreds of dollars a year. In just a few minutes you could compare prices to find cheaper car insurance for a Ford Fusion.

Best cheap Ford Fusion insurance quotes

Due to technology, there are many ways to compare auto insurance quotes in South Carolina, but the most popular methods are from an exclusive agency such as State Farm or Liberty Mutual, an independent insurance agent, or buying direct from a company like Geico or Progressive.

Each way has the same basic steps, but each is slightly different in how they provide price quotes.

Independent agents have contracts with many companies and can get rate quotes from each one. These types of agents possess the freedom to provide you with more rates, which may provide you with better odds of saving money. If your agent finds better pricing, they simply move the coverage in-house and the insured can keep the same agent.

An exclusive agent is limited to one company, examples being an Allstate or Liberty Mutual agent. They usually cannot provide a range of price quotes, so if rates are not competitive, they cannot shop around.

If you choose to buy auto insurance direct, you do not use a local insurance agent and instead buy direct online or over the phone from a company like Esurance or Geico. Buying direct may be good for families who do not need advice for risk management and have a decent understanding of what limits they need.

So which method is best to find cheap insurance for a Ford Fusion in South Carolina? We’d like to tell you buying from a direct car insurance company yields the cheapest rates since there isn’t an agent involved, but unfortunately, it’s not that cut and dried. It would also be easy to say buying auto insurance from an independent agent guarantees the lowest rates since they can provide multiple quotes, but again, that’s not a true statement. For some people, exclusive agents may have prices that are well below what direct and independents offer.

Due to the large number of rating factors, the best method to buy the cheapest policy is to obtain price quotes and compare them. It takes a little work, but we recommend you get prices from all three types to get a good idea who is cheapest. A great place to start is our list of online companies offering discounts: click here to view.