Insurance for Ford FusionI can't think of a single person who looks forward to buying insurance, in particular when they could find lower prices if they just compared rates.

Regrettably, over 70% of drivers kept buying from the same company for at least four years, and roughly 40% of drivers have never compared rates with other companies. Most drivers in Minneapolis could save up to $1,040 each year, but most just don't grasp the rate savings if they bought a different policy. Having so many different company options, it is very difficult to pick the best insurance provider.

This article's goal is to tell you how to compare rates easily and some tricks to saving. If you're already insured, you will most likely be able to cut your premiums using the ideas presented in this article. Comparison shoppers just have to use the tricks to shop for car insurance online.

Most major insurance companies make it easy to get coverage prices from their websites. Doing online price comparisons for Ford Fusion insurance in Minneapolis can be done by anyone as all you need to do is type in your coverage information on the page. Behind the scenes, their system will obtain your credit score and driving record and quotes a price. Being able to quote online for Ford Fusion insurance in Minneapolis streamlines rate comparisons, and it is imperative to do this in order to get a better rate.

To compare rates now, check out the car insurance providers below. To compare your current rates, we recommend you complete the form with your coverages just like they are on your policy. This helps ensure you will have a price comparison for similar coverage.

The companies shown below offer price comparisons in Minneapolis, MN. If multiple providers are shown, we recommend you visit several of them to find the cheapest auto insurance rates.

Ford Fusion Insurance Estimates in Minneapolis, MN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $196 $384 $384 $22 $114 $1,100 $92
Fusion SE 4-Dr Sedan $252 $448 $326 $20 $98 $1,144 $95
Fusion Hybrid 4-Dr Sedan $298 $656 $404 $24 $122 $1,504 $125
Fusion SEL 4-Dr Sedan $252 $448 $326 $20 $98 $1,144 $95
Fusion Sport 4-Dr Sedan $238 $476 $358 $22 $108 $1,202 $100
Fusion SEL AWD 4-Dr Sedan $182 $398 $412 $24 $124 $1,140 $95
Fusion Sport AWD 4-Dr Sedan $342 $690 $428 $26 $128 $1,614 $135
Get Your Own Custom Quote Go

Data variables include single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Minnesota minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Table data does not factor in garaging location in Minneapolis which can change prices substantially.

Auto insurance deductibles

A question often asked by Minneapolis drivers is how low should you set your deductibles. The following insurance rates help summarize how much more you'll pay between high and low deductibles. The first price estimate table uses a $250 deductible for comprehensive and collision coverage and the second price chart uses a $500 deductible.

Ford Fusion insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $246 $414 $318 $18 $94 $1,115 $93
Fusion SE 4-Dr Sedan $276 $486 $318 $18 $94 $1,217 $101
Fusion Hybrid 4-Dr Sedan $276 $560 $396 $24 $118 $1,399 $117
Fusion SEL 4-Dr Sedan $276 $486 $318 $18 $94 $1,217 $101
Fusion Sport 4-Dr Sedan $276 $486 $318 $18 $94 $1,217 $101
Fusion SEL AWD 4-Dr Sedan $308 $560 $318 $18 $94 $1,323 $110
Fusion Sport AWD 4-Dr Sedan $308 $560 $318 $18 $94 $1,323 $110
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Ford Fusion insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $200 $334 $318 $18 $94 $964 $80
Fusion SE 4-Dr Sedan $224 $392 $318 $18 $94 $1,046 $87
Fusion Hybrid 4-Dr Sedan $224 $452 $396 $24 $118 $1,214 $101
Fusion SEL 4-Dr Sedan $224 $392 $318 $18 $94 $1,046 $87
Fusion Sport 4-Dr Sedan $224 $392 $318 $18 $94 $1,046 $87
Fusion SEL AWD 4-Dr Sedan $250 $452 $318 $18 $94 $1,132 $94
Fusion Sport AWD 4-Dr Sedan $250 $452 $318 $18 $94 $1,132 $94
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Minnesota minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Prices do not factor in vehicle garaging location which can modify coverage prices noticeably.

Based on these figures, using a $250 deductible will cost you roughly $15 more each month or $180 annually than buying the higher $500 deductible. Because you would pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you tend to average more than 17 months between claim filings, you would save more money if you choose a higher deductible.

How to determine if raising deductibles makes sense

Average monthly premium for $250 deductibles: $105
Average monthly premium for $500 deductibles (subtract): - $90
Monthly savings from raising deductible: $15
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $15
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 17 months

Difference between liability only and full coverage rates

The chart below shows the comparison of Ford Fusion premium costs with and without physical damage coverage. The information is based on no claims or driving citations, $500 deductibles, married female driver, and no discounts are taken into consideration.

When to drop comprehensive and collision

There is no clear-cut formula of when to stop paying for full coverage, but there is a guideline you can consider. If the annual cost of having full coverage is 10% or more of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.

For example, let's pretend your Ford Fusion settlement value is $7,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most you would receive is $6,000 after paying your deductible. If you are paying in excess of $600 annually for physical damage coverage, then it could be time to drop full coverage.

There are some situations where removing full coverage is not recommended. If you still owe a portion of the original loan, you have to keep full coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should not eliminate full coverage.

Annual premiums for males versus females

The diagram below compares Ford Fusion insurance costs for male and female drivers. The data is based on a clean driving record, no claims, comp and collision included, $1,000 deductibles, marital status is single, and no discounts are taken into consideration.

These discounts can lower Ford Fusion insurance rates

The price of auto insurance can be rather high, but you can get discounts to help bring down the price. Larger premium reductions will be automatically applied when you purchase, but some must be requested specifically before you get the savings.Cheaper car insurance with discounts

A quick disclaimer, most discounts do not apply to the entire cost. A few only apply to the cost of specific coverages such as medical payments or collision. Just because it seems like you could get a free car insurance policy, companies wouldn't make money that way.

Auto insurance companies that may offer policyholders these money-saving discounts include:

It's a good idea to ask every company to give you their best rates. Some discounts listed above might not be available to policyholders in your state. To choose companies with significant discounts in Minnesota, click this link.

The Ford Fusion Insurance Cost Equation

An important part of buying insurance is that you know some of the factors that come into play when calculating the rates you pay for insurance. When you understand what determines base rates, this allows you to make good choices that may result in lower insurance prices.

Local Minneapolis car insurance agents and car insurance

Some consumers just prefer to get advice from a local agent and doing that can be a smart decision Experienced insurance agents are trained to spot inefficiencies and give you someone to call. The biggest benefit of comparing insurance prices online is you may find cheaper prices and still choose a local agent. And buying from neighborhood insurance agencies is definitely important in Minneapolis.

Insurance agents in MinneapolisAfter filling out this short form, the quote information is emailed to local insurance agents that give free quotes for your insurance coverage. You don't have to search for any insurance agencies since price quotes are sent immediately to your email address. If you want to quote rates from a particular provider, don't hesitate to navigate to their website and fill out the quote form the provide.

Pick the best car insurance agent in Minneapolis for you

If you want a local Minneapolis insurance agent, you must know there are a couple different types of agents from which to choose. Minneapolis agents are classified as either independent agents or exclusive agents depending on their employer. Either one can write policy coverage, but it's worth mentioning the difference in how they write coverage because it can factor into your selection of an agent.

Independent Agents

Independent agencies are not locked into one company and that enables them to quote your coverage with any number of different companies depending on which coverage is best. If premiums increase, your agent can just switch to a different company and you can keep the same agent.

If you are comparing car insurance prices, you absolutely need to get several quotes from at a minimum one independent agency in order to have the best price comparison.

Below are Minneapolis independent insurance agents that may be able to give price quote information.

1 Groveland Terrace #102 - Minneapolis, MN 55403 - (952) 474-0929 - View Map

7600 Parklawn Ave #350 - Minneapolis, MN 55435 - (952) 746-5770 - View Map

1929 S 5th St #104 - Minneapolis, MN 55454 - (612) 354-2576 - View Map

View more Minneapolis agents

Exclusive Car Insurance Agents

Exclusive insurance agents are contracted to one company such as State Farm, AAA, and Liberty Mutual. Exclusive agents are unable to provide other company's prices so keep that in mind. Exclusive agencies are highly trained on their products and sales techniques and that enables them to sell even at higher rates.

Shown below are exclusive insurance agencies in Minneapolis that can give you rate quotes.

4649 Bloomington Ave - Minneapolis, MN 55407 - (612) 333-5554 - View Map

222 S 9th St #270 - Minneapolis, MN 55402 - (612) 843-8444 - View Map

4316 S Upton Ave - Minneapolis, MN 55410 - (612) 920-2340 - View Map

View more Minneapolis agents

Picking an insurance agent requires more thought than just the quoted price. A good agent in Minneapolis will have answers to these questions.

Misconceptions in insurance advertisements

Minnesota consumers can't avoid all the ads that claim the best car insurance rates by companies like State Farm and Allstate. They all seem to tend to make the same promise that you'll save big just by switching your insurance coverage to their company.

How does each company offer you a better deal on Ford Fusion insurance in Minneapolis?

Companies offer their best rates for a prospective insured that earns them the most money. A good example of this type of insured should be over the age of 45, insures multiple vehicles, and the vehicle is rated for pleasure use. A driver who fits those characteristics will get a cheap rate quote in Minneapolis and will also save if they switch.

Potential customers who don't meet the "perfect" profile may receive higher prices and ends up with business not being written. The ads state "people who switch" not "everybody who quotes" save money. This is how companies can make the claims of big savings.

This really drives home the point why you really should compare as many free Minneapolis car insurance quotes as you can. It is just not possible to predict which insurance company will have the best car insurance rates for your profile.

Affordable auto insurance rates are available

The cheapest Ford Fusion insurance in Minneapolis is available online and from local agencies, so you need to quote Minneapolis car insurance with both to have the best selection. Some companies do not provide rate quotes online and usually these small insurance companies sell through independent insurance agencies.

As you prepare to switch companies, it's a bad idea to skimp on critical coverages to save a buck or two. There are too many instances where an insured dropped liability coverage limits and discovered at claim time they didn't have enough coverage. Your objective should be to get the best coverage possible at the lowest possible cost, not the least amount of coverage.

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