Cheap Insurance Quotes for a Ford Fusion in Utah

Anytime the topic is car insurance, the word “cheap” should not be used as a descriptor for car insurance rates. Nonetheless, cheap car insurance for a Ford Fusion is pretty hard to find. Don’t get your dauber down, because we will show you how you can still find and buy auto insurance that is easier on your budget.

The chances of buying cheap auto insurance for a Ford Fusion in Utah depends on an enormous amount of factors such as how far you drive to work, if you have ever let your policy lapse, and any prior driving offenses you have. Drivers on average pay approximately $800 per year to insure a Ford Fusion, but that rate is a valuation based upon a 40-year-old single male that included full comprehensive and collision coverage and $1,000 deductibles.

This brings up the issue that more than likely you are not exactly 40 years old and possibly not even male, married instead of single, or maybe you want more liability coverage than is required by law in Utah. Every driver’s needs are different, and that is why the best way to find the cheapest rates for your Ford is to shop around at every renewal for lower rates. Get your free quotes now and you will receive rate quotes from the best auto insurance companies that insure vehicles in Utah.

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The trim level of your Ford has an effect on the insurance rate, so the rate you pay to insure a Fusion S 4-Dr Sedan will be $122 less than the insurance cost for the higher-priced Fusion Sport AWD 4-Dr Sedan model, as shown in the chart below.

Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Utah minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Rate information does not factor in vehicle location which can affect rates greatly.

Shopping around for cost effective insurance is tough enough, and determining which companies quote the cheapest car insurance rates for a Ford Fusion may require additional perseverance. Every insurance provider has a different process to set premium rates, so let’s begin by taking a look at the most affordable car insurance companies in Utah.

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Bear River may have some of the lowest car insurance rates in Utah at around $584 per year. USAA, Auto-Owners, American Family, and Allied are also some of the most economical Utah car insurance companies.

In this example, if you currently have a policy with USAA and switched to Bear River, you may realize a yearly savings of in the vicinity of $207. Insureds with Auto-Owners might save as much as $274 a year, and American Family policyholders might see rate reductions of $409 a year.

Understand that those estimates are averaged across all drivers and vehicles in Utah and are not factoring in a specific rate factor for a Ford Fusion. So the insurer that can offer the best rates for your situation may not even be included in the chart above. That underscores the importance of why you need to compare as many prices as possible using your own individual information.

Discounts on cheap insurance for a Ford Fusion in Utah

Insurers that provide policies for a Ford Fusion may have policy discounts that could reduce prices by 30% or more if you are eligible to receive them. A list of car insurance companies and some of the premium reductions they offer are:

• American Family offers premium reductions for defensive driver, mySafetyValet, accident-free, good student, and early bird.
• Farm Bureau has savings for 55 and retired, driver training, youthful driver, good student, safe driver, and multi-policy.
• State Farm includes discounts for defensive driving training, Drive Safe & Save, Steer Clear safe driver discount, safe vehicle, and driver’s education.
• Travelers has discounts for save driver, payment discounts, IntelliDrive, new car, continuous insurance, student away at school, and home ownership.
• The Hartford offers discounts including anti-theft, good student, bundle, defensive driver, vehicle fuel type, and air bag.
• GEICO offers discounts for membership and employees, multi-vehicle, federal employee, good student, anti-lock brakes, and emergency military deployment.
• Progressive may have discounts that include good student, multi-vehicle, continuous coverage, online quote discount, online signing, and homeowner.

The information below visualizes the comparison of insurance premiums with and without discounts applied. Data assumes a male driver, no claims or driving violations, Utah state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with marriage, passive restraint, multiple policy, homeowner, defensive driving course, and anti-theft discounts applied. When discounts are factored in, the the amount saved on car insurance for a Ford Fusion is 28% or $480.

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The diagram below illustrates how your choice of deductibles can affect premium costs when quoting cheap insurance for a Ford Fusion. The premium estimates are based on a single male driver, full coverage, and no policy discounts are applied.

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As shown above, a 30-year-old driver could reduce rates by $344 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $520 by choosing a $1,000 deductible. Even younger drivers, like the Age 20 category, can save $1,016 each year just by choosing larger deductibles. If you do make the decision to raise your deductibles, it is necessary to have plenty of discretionary funds to offset the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.