Insurance for Ford FusionDid a good deal turn into an underperforming, overpriced insurance policy? You're in good company because there are many people just like you.

Sad but true, nearly 70% of customers have been with the same company for four years or more, and practically 40% of insurance customers have never shopped around. Minnesota drivers can save about 50% each year just by shopping around, but they just don't understand how much savings they would realize if they moved their coverage to a different company.

With consumers having so many choices for buying lower-cost insurance for a Ford Fusion in St. Paul, it can be diffult for drivers to locate the lowest cost insurance company.

You need to compare premium rates on a regular basis because insurance rates are variable and change quite frequently. Even if you got the lowest rate on Ford Fusion insurance in St. Paul on your last policy a different company probably has better prices today. Forget all the misinformation about insurance because I'm going to let you in on the secrets to the tricks you need to know to lower your rates without sacrificing coverage.

Locating the most cost-effective insurance policy in St. Paul is quite easy if you know the best way to do it. Basically, anyone who carries insurance should find a lower-cost policy. But Minnesota drivers can benefit by having an understanding of how the larger insurance companies compete online.

Get Lower-cost Insurance Premiums by Understanding These Factors

When buying car insurance it's important to understand the different types of things that play a part in calculating your car insurance rates. When consumers understand what influences your rates, this allows you to make educated decisions that will entitle you to lower rates.

Know your credit rating - Credit score is a large factor in your rate calculation. If your credit can use some improvement, you could be paying less to insure your Ford Fusion by improving your credit score. People with good credit tend to be more responsible as compared to drivers with worse credit.

Save by driving less - The more you drive each year the higher your rate. A lot of companies apply a rate based on how the vehicle is used. Vehicles used primarily for pleasure use can get a lower rate compared to those used for work or business. Verify your vehicle rating reflects how each vehicle is driven, because improper ratings can cost you money. An incorrectly rated Fusion may be costing you higher rates.

High coverage deductibles reduce costs - The deductibles tell how much you are required to pay in the event of a claim. Protection for physical damage, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. Examples of covered claims are collision with another vehicle, damage from fire, or theft of your vehicle. The more money you are required to pay out-of-pocket, the less your car insurance will be.

Drive a fast car and pay more - The type of car you drive makes a significant difference in determining your rates. The lowest premiums are for lower performance four cylinder passenger cars, but other factors influence the final cost greatly. Due to the fact that the Ford Fusion falls in the passenger car class, rates will be similar in price or lower as compared to the average rate in St. Paul.

Women pay lower rates - Over time, data shows that women are safer drivers than men. Now that doesn't mean women are BETTER drivers than men. Men and women tend to get into accidents in similar numbers, but the males tend to have higher claims. They also have more aggressive citations like driving under the influence (DUI). Youthful male drivers tend to get in the most accidents so it costs more to insure them.

Small coverages can add up - There are a lot of additional coverages that can waste your money if you aren't careful. Insurance for rental car coverage, towing coverage, and extra life insurance coverage could be just wasting money. The coverages may be enticing when you first buy your policy, but now you might not need them so eliminate them to save money.

Insurance loss data for a Ford Fusion - Insurers analyze past claim statistics to help calculate a profitable premium rate. Vehicles that are shown to have high amounts or severity of claims will have higher premium rates.

The table below demonstrates the collected loss data for Ford Fusion vehicles. For each coverage category, the claim amount for all vehicles combined as an average equals 100. Values that are 100 or less imply a favorable loss record, while values that are 100 or greater indicate more frequent claims or an increased chance of a larger loss.

Insurance Loss Ratings for Ford Fusion Vehicles

Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Ford Fusion 2WD 110 95 108 116 111 105
Ford Fusion 4WD 115 85 120 88 77 71
Ford Fusion Hybrid 125 97 98 92 93 95
Ford Fusion Plug-in Hybrid 128 87 91 88 91 107
BETTER
AVERAGE
WORSE

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Cheapest Ford Fusion insurance quotes in St. Paul

To find the best insurance rates, there are several ways to compare quotes from insurance companies in your area. The simplest method to comparison shop is to perform an online rate comparison.

It's so easy to compare rates online that it makes it obsolete to go to insurance agents' offices. The ability to buy insurance online reduces the need to sit down with an agent unless you're the type of person who wants the professional assistance only provided by licensed St. Paul agents. Drivers can compare the best prices online and still use a local agent.

When comparing insurance rates, know that obtaining a wide range of quotes helps locate lower pricing. Some companies don't provide online price quotes, so it's important to compare price quotes from those companies as well.

The companies shown below can provide comparison quotes in St. Paul, MN. If multiple companies are shown, it's a good idea that you visit as many as you can in order to find the lowest rates.

Ford Fusion Insurance Rate Estimates in St. Paul, MN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $172 $260 $416 $24 $124 $996 $83
Fusion SE 4-Dr Sedan $216 $414 $304 $18 $92 $1,044 $87
Fusion Hybrid 4-Dr Sedan $164 $398 $516 $30 $154 $1,262 $105
Fusion SEL 4-Dr Sedan $316 $486 $416 $24 $124 $1,366 $114
Fusion Sport 4-Dr Sedan $252 $448 $326 $20 $98 $1,144 $95
Fusion SEL AWD 4-Dr Sedan $218 $352 $416 $24 $124 $1,134 $95
Fusion Sport AWD 4-Dr Sedan $216 $442 $334 $20 $100 $1,112 $93
Get Your Own Custom Quote Go

Prices above based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Minnesota minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Table data does not factor in vehicle location which can affect premiums greatly.

Cautious St. Paul drivers save money

The information below highlights how speeding tickets and accidents can raise Ford Fusion premium costs for different ages of insureds. Data assumes a married male driver, full coverage, $100 deductibles, and no discounts are taken into consideration.

Ford Fusion full coverage rates compared to liability only

The information below illustrates the difference between Ford Fusion car insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in Minnesota. The data assumes no accidents or driving violations, $100 deductibles, married female driver, and no discounts are taken into consideration.

When to stop buying physical damage coverage

There is no specific rule that is best for determining when to drop full coverage, but there is a general convention. If the annual cost of coverage is more than 10% of replacement cost minus your deductible, then it might be time to buy liability only.

For example, let's say your Ford Fusion claim settlement value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $8,000 after paying the physical damage deductible. If premiums are more than $800 a year to have full coverage, then you might consider buying liability only.

There are some situations where dropping full coverage is not a good plan. If you still have a loan on your vehicle, you have to maintain full coverage as part of the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should not opt for liability only.

Why car insurance is not optional

Despite the high insurance cost for a Ford Fusion in St. Paul, insurance may not be optional for several reasons.

The benefits of having insurance more than offset the price you pay, specifically if you ever have a liability claim. According to a 2015 survey, the average American driver overpays more than $865 each year so compare rate quotes each time the policy renews to ensure rates are competitive.

Get cheaper Ford Fusion insurance in St. Paul with discounts

Companies don't necessarily list all discounts very clearly, so the list below gives a summary of both the well known and also the lesser-known credits available to bring down your rates.Cheaper insurance with discounts

Discounts lower rates, but some credits don't apply to the entire policy premium. Most only cut the cost of specific coverages such as collision or personal injury protection. Even though it may seem like you could get a free insurance policy, company stockholders wouldn't be very happy.

A list of insurance companies and some of the discounts are detailed below.

Check with every insurance company to give you their best rates. Discounts might not be offered on policies in St. Paul. If you would like to view insurance companies that offer some of these discounts in St. Paul, click here.

When to get advice from an insurance agent

Many people would rather sit down with an agent and that is a smart decision A nice benefit of getting free rate quotes online is that drivers can save money and get better rates and still have an agent to talk to.

Insurance agency in St. PaulBy using this form (opens in new window), the coverage information is sent to agents in your area who want to provide quotes for your auto insurance coverage. There is no reason to find an agent on your own since price quotes are sent directly to you. You can most likely find cheaper rates without requiring a lot of work. If for some reason you want to get a comparison quote from a specific company, you just need to go to their quote page and complete a quote there.

Finding a good provider should include more criteria than just the quoted price. Any agent in St. Paul should be forthright in answering these questions:

What is the best car insurance coverage?

When it comes to choosing coverage online or from an agent for your personal vehicles, there really is not a one size fits all plan. Everyone's situation is unique and your car insurance should be unique as well.Safe vehicles cost less to insure These are some specific questions may help you determine whether or not you will benefit from professional help.

If it's difficult to answer those questions but a few of them apply, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Car insurance savings summarized

Throughout this article, we presented a lot of information how to shop for Ford Fusion insurance online. The most important thing to understand is the more providers you compare, the better likelihood of getting the cheapest Ford Fusion rate quotes. Consumers could even find that the lowest priced car insurance comes from some of the lesser-known companies. Regional companies may have significantly lower premium rates on certain market segments as compared to the big name companies such as Progressive and GEICO.

Lower-priced Ford Fusion insurance in St. Paul can be sourced from both online companies in addition to local insurance agencies, and you should compare rates from both to have the best chance of lowering rates. A few companies do not provide internet price quotes and usually these smaller providers sell through independent agents.

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