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

The likelihood of finding the best cheap car insurance for a Ford Fusion in South Dakota hinges on many rating criteria like annual vehicle mileage, where you live, and any prior driving offenses you have. South Dakota drivers pay approximately $960 every 12 months to buy insurance for a Ford Fusion, but that amount is an estimate calculated using a 40-year-old married male driver that purchased comprehensive and collision coverage and $250 physical damage deductibles.

There is a high probability that you are not 40 and possibly not even male, single instead of married, and maybe you want different deductibles. What seems to be a small difference in input factors can generate big changes in the policy rate.

Car insurance coverage is unique to each driver, so this is why the way we recommend to find the cheapest coverage for your Ford is to comparison shop your policy at each renewal. To cut your rates now, get a free quote and you will get price quotes from some of the best insurers available.

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The trim level of your Fusion will be a contributing factor to the cost of insurance, so the price to insure a Fusion S 4-Dr Sedan model will be $178 cheaper than the cost to insure the high end Fusion Sport AWD 4-Dr Sedan model, as shown in the prices below.

Table data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and South Dakota minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Table data does not factor in South Dakota location which can raise or lower coverage rates greatly.

Trying to buy affordable auto insurance is tough enough, and finding out which companies quote the lowest-priced car insurance rates for a Ford Fusion may require even more shopping around. Each insurance company uses slightly different criteria for determining rates, so let’s take a look at the overall cheapest car insurance companies in South Dakota.

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USAA quotes some of the lowest car insurance rates in South Dakota at around $650 a year. Auto-Owners, State Farm, Farmers Mutual of Nebraska, and Unitrin would also make the list of some of the cheaper South Dakota car insurance companies.

As shown in the table above, if you have coverage with State Farm and switched to USAA, you might realize an annual premium reduction of in the vicinity of $347. Insureds with Farmers Mutual of Nebraska could save as much as $356 a year, and Unitrin policyholders might lower prices by $383 a year.

Bear in mind that those policy prices are averages across all drivers and vehicles in South Dakota and and are not calculated with a specific rate factor for a Ford Fusion. So the insurer that has the lowest price for you may not even be featured in the rate chart shown above. That’s why you need to get rate quotes using your own individual information.

How accidents and tickets impact rates

The common sense way to obtain cheap insurance for a Ford Fusion in South Dakota is to drive attentively and not get tickets or have accidents. The information below illustrates how violations and accidents can impact insurance premiums for each different age category. Data assumes a married female driver, comp and collision included, $500 deductibles, and no discounts are applied.

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In the example above, the average cost of car insurance per year with a clean driving record and no accidents is $1,472. Factor in one speeding ticket and the average cost hikes up to $1,713, an increase of $241 each year. Then add two accidents along with the one speeding ticket and the yearly cost of car insurance for a Ford Fusion increases to an average of $3,775. That’s an increase of $2,303, or $192 per month, just for not being a responsible driver!

Cheapest car insurance: Allstate, State Farm, Geico, or Progressive

If you are looking for the best insurance for a Fusion in South Dakota, the most popular companies are Allstate, State Farm, Geico, and Progressive. Between them, they insure nearly half of the entire U.S. car insurance market. The data below points out pricing and service ratings, as well as optional policy coverages offered by each company.

How to find cheap insurance for a Ford Fusion in South Dakota

It’s not impossible to find cheaper rates, and here are some penny-pinching ideas that can help South Dakota drivers buy cheaper coverage.

• Avoid having at-fault accidents
• The safer your car, the less it costs to insure
• Raise physical damage deductibles
• On older vehicles, drop full coverage
• Drive safely
• Good credit can help you save money
• Compare rates regularly and switch companies to save money

The last idea is certainly valuable, as we hit on in the article above. Prices charged by car insurance companies in South Dakota fluctuate constantly, so drivers shouldn’t hesitate to buy a different policy if a cheaper price is available. Brand loyalty is great, but it’s not recommended if that stubbornness costs you thousands of dollars over several years. Now is a great time to compare rates to find cheaper auto insurance for a Ford Fusion.

Who has the cheapest Ford Fusion insurance quotes?

Consumers have many ways to get cheap car insurance quotes in South Dakota, but the most popular are through an exlusive agent like Liberty Mutual or Allstate, a non-exclusive or independent agent, or from a direct company like Progressive. All three ways can provide car insurance quotes, but they differ slightly in how they function.

Independent insurance agents work for many companies and can get policy pricing from every one. These agents have the freedom to give you a larger rate selection, which may give you the best shot at cutting your rates. If they find a cheaper price, the business is moved internally and you don’t have to do anything.

An exlusive, or captive, agency is only able to give rates for a single insurance company, for example an Allstate or State Farm agent. Exclusive agents generally are unable to give you multiple price quotes, which will not provide a complete price comparison.

If you choose to buy car insurance direct, you bypass an exlusive or independent agent and instead shop buying direct from a company like Progressive or Geico. This car insurance option may be preferred by consumers who have lower risk management needs and have a decent understanding of how their policy works.

So which of those three methods works best to buy cheap insurance for a Ford Fusion in South Dakota? The majority of car insurance shoppers assume that buying from a direct car insurance company results in the cheapest price since there isn’t an agent involved, but that turns out to not be true. It could also be said buying car insurance from an independent agent results in the best rates since they have access to many companies, but that is not accurate either. For some people, the exclusive agents have really good rates that are well below what direct and independents offer.

Due to the fact that car insurance rates vary so much, the best way to get rock-bottom rates is to get quotes and compare the rates. In a perfect world, youll get quotes from all three types in order to be able to find the lowest price. For a list of companies with some of the cheapest South Dakota car insurance rates, click here to view.