Who Has the Cheapest Insurance for a Ford Fusion in Mississippi?

Our staff writers always rib each other than when writing about car insurance, the word affordable really shouldn’t be used anywhere in the article to describe car insurance prices. It’s just a fact that cheap car insurance for a Ford Fusion is pretty hard to find. Don’t let that discourage you, because we are going to tell you how you can still get insurance that you can afford.

The chances that you’ll find cheap car insurance for a Ford Fusion in Mississippi relies on a lot of rating factors such as if you are a renter or homeowner, your profession, and any prior driving offenses you have. Drivers pay around $1,210 every 12 months for Fusion insurance, but that figure is assuming a 30-year-old married male driver that has full physical damage coverage and $100 deductibles.

More likely than not, you’re not a 30-year-old male, you might be single instead of married, and you may just want the cheapest liability coverage you can find. Making minor changes in rating variables can make a large difference in the cost of insuring your Fusion.

Auto insurance is not the same for everyone, so the best way to find cheap insurance rates for your Ford is to make a habit of regularly comparing rates from other companies.

Compare Rates and Save

Your vehicle’s trim level will be a contributing factor to the yearly cost, so the price you will pay to insure a Fusion S 4-Dr Sedan model will be $250 less than the insurance cost for the higher-priced Fusion Sport AWD 4-Dr Sedan version, as shown in the chart below.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Mississippi minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Premium costs do not factor in vehicle garaging location which can revise auto insurance rates greatly.

Best car insurance in Mississippi

Picking a good quality insurer is hard considering how many companies provide coverage in Mississippi. The ranking data below may help you choose which auto insurance companies you want to consider comparing rates with.

These ratings only include large insurance companies, so companies with more of a regional focus are not included in this list. To view rates from these and other competitive companies, click this link.

Get discounts on Mississippi auto insurance rates

Auto insurance companies that sell the cheapest insurance for a Ford Fusion in Mississippi may also offer policy discounts that may potentially lower prices by as much as 40% or more if you are eligible for them. Companies and some of their more popular discounts are:

The example below illustrates the difference between insurance costs with and without discounts applied to the policy premium. The premium estimates are based on a female driver, no claims or driving violations, Mississippi state minimum liability limits, full physical damage coverage, and $1,000 deductibles.

The first bar for each age group shows insurance cost with no discounts. The second shows the rates with multiple policy, multiple vehicle, defensive driving course, claim-free, marriage, and vehicle safety discounts applied. When discounts are factored in, the the average amount saved on car insurance for a Ford Fusion is % or $.

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Liability only or full coverage

Finding the cheapest insurance for a Ford Fusion in Mississippi is important to most vehicle owners, and one good way to find cheaper insurance is to only pay for liability coverage. The information below illustrates the difference between insurance rates with full coverage compared to only the Mississippi minimum liability coverage. Data assumes no tickets, no at-fault accidents, $500 deductibles, single marital status, and no policy discounts are applied.

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Averaged out for all age groups, full coverage costs an extra $1,942 per year over liability only. That brings up the question if full coverage is worth the money. There is no exact rule to stop buying comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is more than about 10% of any settlement you would receive from your insurance company, then you may need to consider dropping full coverage.

There are some conditions where only buying liability is not financially feasible. If you have an outstanding loan on your vehicle, you have to carry full coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should maintain full coverage.

How to find more affordable car insurance for a Ford Fusion

The list below shows many penny-pinching suggestions that can help you quote low-cost auto insurance.

• Improve your credit rating
• Accidents can significantly increase rates
• The safer your car, the less it costs to insure
• Be a cautious driver
• Increase deductibles to save money
• Keep rates low by shopping around frequently

The last tip is extremely significant, as we pointed out in the prior information. Car insurance rates change a lot, so drivers shouldn’t be resistant to buy a different policy if a better deal can be had. Staying with the same company for years is fine, but it isn’t a good idea if that devotedness results in you overpaying big bucks every year. Take a few minutes and shop around and find cheaper insurance for a Ford Fusion.

Geico, State Farm, Allstate, and Progressive compared

If you want the best insurance for a Fusion, the first places to look would be Geico, State Farm, Allstate, and Progressive. Each company has unique options and discounts that may steer you one way or another. The following table ranks some of the different options you can buy with each company.