Cheap Insurance for a Ford Fusion in Arizona

Your ability to find the cheapest coverage for a Ford Fusion in Arizona hinges on many different factors such as the number of years you have been licensed, your credit rating, and deductible levels for physical damage coverage. Drivers pay on average $980 each year for Fusion insurance, but that policy rate is an estimation using rating data for a 50-year-old married male driver who needs full physical damage coverage and $100 deductibles.

But there is a high likelihood that you are not 50 and maybe not even a male, maybe you are single instead of married, and maybe your credit level is not the same as what was rated. Car insurance coverage is unique to each driver, so this is why the most reliable way to find affordable rates for your Ford is to compare as many rates as possible. Get your free quotes now and you can get prices from some of the best companies that offer coverage in Arizona.

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Your vehicle’s trim level has an effect on price, so the price you pay to insure a Fusion S 4-Dr Sedan model will be $194 cheaper than the price to insure the more costly Fusion Sport AWD 4-Dr Sedan trim level, as shown in the prices below.

Premium data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Information does not factor in specific garaging location which can influence insurance rates substantially.

Finding decent, low-cost auto insurance is not the easiest thing to do, and figuring out which company quotes the cheapest auto insurance rates for a Ford Fusion will take even more work. Every auto insurer has a different formula for determining rates, so let’s begin by taking a look at the auto insurance companies that tend to have lower prices in Arizona.

It’s important that you understand Arizona auto insurance rates are based on many factors which can significantly increase or decrease the price you have to pay. That is why Arizona drivers need to compare rates when trying to find the cheapest auto insurance quotes for a Ford Fusion. Auto insurance prices can be determined by many factors and change dramatically, so the cheapest option three years ago may now be one of the more expensive options.

Best Car Insurance Prices for Your Fusion

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The Hartford offers some of the cheapest car insurance rates in Arizona at around $820 per year. Safeco, Auto-Owners, USAA, and Travelers also are some of the cheaper Arizona auto insurance companies.

As depicted above, if you are a policyholder with Auto-Owners and switched to The Hartford, you might achieve an annual premium reduction of in the neighborhood of $95. Drivers with USAA could save as much as $271 a year, and Travelers customers might reduce prices by as much as $288 a year.

These estimates are averaged for all drivers and vehicles and are not factoring in a specific rating modification for a Ford Fusion. So the company that has the cheapest price for you may not even be featured in the list of companies above. That’s why you need to compare as many prices as possible using your own personal information and vehicle type.

Discounts on Arizona insurance rates

Auto insurance companies that sell cheap insurance for a Ford Fusion in Arizona may have premium discounts that could potentially reduce rates by as much as 35% if you are eligible. A list of auto insurance companies and a selection of discounts are detailed below.

The illustration below shows the difference between insurance costs with and without discounts being applied to the rates. The rate quotes are based on a female driver, no claims, a clean driving record, Arizona state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second bar shows the rates with marriage, safe-driver, passive restraint, anti-theft, claim-free, and multiple policy discounts applied. With discounts applied, the average savings per year on auto insurance for a Ford Fusion is 33% or $432.

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Allstate, Progressive, State Farm, or Geico: Who is best?

When comparing insurance for a Fusion, four companies to consider are Allstate, Progressive, State Farm, and Geico. They all have the same basic coverages, but each one has somewhat different options that policyholders can choose from. The table below compares and contrasts ratings and policy coverage options that are available for customers.

How to get cheap insurance for a Ford Fusion in Arizona

Here are some penny-pinching suggestions that can help drivers get cheaper car insurance.

• Remove physical damage coverage on older vehicles
• Home or renters coverage can save on auto insurance
• Good credit scores may make rates cheaper
• The safer your car, the less it costs to insure
• Prevent rate increases by staying accident-free
• Look for cheaper rates once a year by shopping around

The last item on the list is incredibly vital, as was emphasized in this write-up. Car insurance prices change a lot, so drivers shouldn’t be resistant to buy from a new company if a cheaper rate is available. Having a favorite company is great, but it’s not a good idea if that stubbornness costs you a small fortune year after year. In less than five minutes you could compare prices to find cheaper car insurance for a Ford Fusion.