Who Has the Cheapest Insurance Quotes for a Ford Fusion in Iowa?

The chances of finding cheaper insurance for a Ford Fusion in Iowa is contingent on a whole bunch of rating criteria like your birth date, your current insurance company, and any driving offenses on your record. Iowa drivers on average will pay $1,060 every 12 months to insure a Ford Fusion, but that policy rate is a valuation using rating data for a 30-year-old single female driver that has both comprehensive and collision coverage and $250 physical damage deductibles.

There’s a good chance you are not 30 years old and maybe not even female, possibly married instead of single, or you have a violation or two on your driving record. Just a very minor change in policy rating criteria or coverages can result in a big discrepancy in how much coverage for a Ford Fusion costs.

Auto insurance requires individual risk assessment, so the way we recommend to find affordable rates for your Ford is to do your own rate comparisons. Quotes only take a couple of minutes and you can get rates from some of the best insurers that sell coverage in Iowa.

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Your vehicle’s trim level will likely have an effect on the coverage cost, so the price you will pay to insure a Fusion S 4-Dr Sedan will be $196 cheaper than the insurance cost for the more expensive Fusion Sport AWD 4-Dr Sedan model, as shown in the chart below.

Table data represents single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Iowa minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Premium costs do not factor in specific garaging location which can increase or decrease auto insurance rates considerably.

Iowa car insurance company ratings

Finding a good quality auto insurance provider can be difficult considering how many companies sell insurance in Iowa. The information shown below could help you choose which auto insurance companies you want to consider comparing rates from. These ratings include the largest companies in America, so companies that only write business in Iowa or surrounding areas are not taken into consideration for the list.

Top 10 Large Car Insurance Companies in Iowa Ranked by Customer Service

1. State Farm
2. Nationwide
3. Safeco Insurance
4. American Family
5. Travelers
6. Liberty Mutual
7. GEICO
8. Allstate
9. The Hartford
10. Farmers Insurance

Top 10 Large Car Insurance Companies in Iowa Ranked by Customer Satisfaction

1. USAA – 92%
2. American Family – 88%
3. State Farm – 88%
4. Nationwide – 88%
5. 21st Century – 88%
6. The Hartford – 87%
7. Progressive – 87%
8. AAA Insurance – 87%
9. Farmers Insurance – 87%
10. Liberty Mutual – 87%

Top Companies for Ford Fusion Insurance in Iowa

Difference between full coverage and liability only rates

Finding the cheapest insurance for a Ford Fusion in Iowa should be important to the majority of people, and one of the easiest ways to buy cheap insurance is to only pay for liability coverage. The diagram below visualizes the comparison of insurance costs with and without physical damage coverage. The information is based on no accidents, no driving violations, $250 deductibles, single marital status, and no discounts are factored in.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $250 Deductibles’, ‘Liability Only’],[‘Age 20’, 3405,1109],[‘Age 30’, 1749,611],[‘Age 40’, 1735,565],[‘Age 50’, 1579,529],[‘Age 60’, 1529,521],[‘Age 70’, 1869,695]]);var options = {title: ‘Full Coverage Versus Liability Only’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Ford Fusion in Iowa’,minValue: 0,format: ‘$###,###’},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);}

If all age groups are averaged, comprehensive and collision coverage on your policy costs an extra $1,978 per year more than just buying liability only. That is a large expense and it proposes the question if it’s worth it to buy full coverage. There is no set guideline to stop paying for comp and collision coverage, but there is a general convention. If the annual cost of coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.

Accidents and violations increase rates

The easiest way to get good car insurance prices in Iowa for a Fusion is to be a cautious driver and avoid traffic citations and accidents. The example below shows how speeding tickets and at-fault claims influence premium costs for each different age group. The data assumes a single male driver, comprehensive and collision coverage, $100 deductibles, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and One Accident’],[‘Age 20’, 2919,3133,3741],[‘Age 30’, 1513,1725,2331],[‘Age 40’, 1501,1715,2319],[‘Age 50’, 1365,1581,2183],[‘Age 60’, 1319,1533,2137],[‘Age 70’, 1599,1811,2417]]);var options = {title: ‘Effect of Tickets and Accidents on Iowa Ford Fusion Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Ford Fusion in Iowa’,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);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the chart above, the average cost of car insurance in Iowa per year with no accidents or violations is $1,703. Get written up for one speeding ticket and the average cost swells to $1,916, an increase of $214 each year. Then include one accident along with the one speeding ticket and the 12-month cost of car insurance for a Ford Fusion increases to an average of $2,521. That’s an increase of $819, or $68 per month, just for not driving attentively!

How to find cheaper car insurance for a Ford Fusion

Below you’ll find some of the better money-saving suggestions that can help Iowa drivers quote cheaper coverage.

• Higher physical damage deductibles lower rates
• Do not file small claims
• Good credit can save money
• Buying your home and auto policies from the same company can earn a discount
• Prevent price hikes by avoiding at-fault accidents
• Do not get traffic violations
• Compare rates once a year for cheaper prices

The final tip is especially valuable, as we noted in this write-up. Prices charged by car insurance companies vary greatly, so don’t hesitate to switch companies if a better deal can be had. Staying with the same car insurance company is fine, but it’s not recommended if that stubbornness costs you hundreds of dollars a year. It only takes a couple minutes to shop around and find cheaper car insurance for a Ford Fusion.

Who has the cheapest Ford Fusion insurance quotes?

There are quite a few ways to get cheap car insurance quotes in Iowa, but the most common ways are through a captive (or exclusive) agent such as Allstate or State Farm, an independent or non-exclusive agent, or direct from companies such as Progressive or Geico.

Each way has the same basic steps, but car insurance shoppers should know the differences in how they price policies.

Independent agents work for many companies and can get rate quotes from all of them. Agents of this type have the option to compare multiple rates, which may give you more bang for your buck. If a cheaper price is found, they simply move your policy to a different company and you don’t have to do anything.

An agent who is captive is usually restricted to one insurance company, two examples are Liberty Mutual and Allstate agents. They usually cannot quote rates from more than one company, so you will not be able to compare their rates to other companies.

The third way to buy car insurance is direct which means you skip an independent or exclusive agent and buy direct from companies such as Geico or Esurance. Buying direct may be good for drivers who do not have complex finances and have a good understanding of the exclusions of a policy.

So comparing independent agents, exclusive agents, and direct, which one works best for finding the cheapest insurance for a Ford Fusion in Iowa? We wish we could say buying from a direct car insurance company yields the cheapest rates because there is no agent involved, but unfortunately, it’s not that simple. It would also be easy to say using an independent agent is the best way due to having more companies to select from, but that assumption is also not accurate. In some circumstances, exclusive agents have extremely competitive rates well below independent agents AND direct companies.

Because it’s impossible to say who has the best car insurance rates, the only real way to make sure you’re not overpaying for car insurance is to get as many comparison quotes as possible. We recommend you get prices from all three types to give yourself enough choices. For a list of companies offering online discounts in Iowa, click here to view.