Finding competitive coverage for a Ford Fusion in Arizona is dependent upon a lot of different factors such as whether you are single or married, your residence address, and whether or not you are a good driver. Drivers will pay on average $768 a year to insure their Fusion, but that price is a projection calculated using a 40-year-old married female driver with both comprehensive and collision coverage and $1,000 deductibles.
The issue that arises when projecting rates is that it’s very likely that you’re not a 40-year-old female, you might be single instead of married, and you don’t want the same coverages and limits as the example. Just a slight change in the criteria used to calculate rates can make a large difference in rates.
This shows why the only way to find the cheapest coverage for your Ford is to compare as many rates as possible. It’s really quite easy you will receive prices from top-rated companies that sell coverage in Arizona.
Compare Ford Fusion Insurance Rates
The specific model of Fusion tends to have a direct impact on the cost of coverage, so the cost to insure a Fusion S 4-Dr Sedan trim level will cost $116 less than the price to insure the fancier Fusion Sport AWD 4-Dr Sedan version, as demonstrated by the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion S 4-Dr Sedan | $124 | $240 | $314 | $18 | $94 | $790 | $66 |
| Fusion SE 4-Dr Sedan | $138 | $284 | $314 | $18 | $94 | $848 | $71 |
| Fusion Hybrid 4-Dr Sedan | $138 | $326 | $394 | $24 | $118 | $1,000 | $83 |
| Fusion SEL 4-Dr Sedan | $138 | $284 | $314 | $18 | $94 | $848 | $71 |
| Fusion Sport 4-Dr Sedan | $138 | $284 | $314 | $18 | $94 | $848 | $71 |
| Fusion SEL AWD 4-Dr Sedan | $154 | $326 | $314 | $18 | $94 | $906 | $76 |
| Fusion Sport AWD 4-Dr Sedan | $154 | $326 | $314 | $18 | $94 | $906 | $76 |
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Prices based on married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Price information does not factor in specific Scottsdale garaging location which can change insurance rates considerably.
Choosing the best car insurance company can be a challenge considering how many companies there are in Scottsdale. The ranking data listed below could help you select which coverage providers you want to consider when looking for cheaper rates. The ratings below are only comprised of the companies with a significant amount of written premium nationwide, so smaller regional companies are not factored into the list.
Top 10 Large Auto Insurance Providers in Scottsdale Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA Insurance – 91%
- State Farm – 90%
- Nationwide – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
- Liberty Mutual – 88%
Top 10 Large Auto Insurance Providers in Scottsdale Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
The example below illustrates how your choice of deductibles can influence yearly insurance costs when quoting cheap insurance for a Ford Fusion. The information is based on a married female driver, comp and collision included, and no discounts are factored in.
In the chart above, a 30-year-old driver could save $330 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $500 by switching to a $1,000 deductible. Youthful drivers, like the 20-year-old category, could possibly save up to $708 each year by using a higher deductible.
If you do decide to increase your deductibles, it is important to have enough funds in savings to allow you to pay the extra out-of-pocket expense. That is the one drawback of using higher deductibles.
Chances are good that you’re overpaying for Fusion insurance
Arizona insurance rates are determined by lots of factors which can substantially change the cost of coverage. Turning one year older, buying a home, or getting a few speeding tickets may cause policy rate changes that may make certain companies cheaper in comparison to the competition. Also, companies change premium rates as often as every quarter in order to offset underwriting gains or losses. An unexpected high level of claims may result in a rate increase, while lower claims may produce more affordable Fusion insurance rates.
The graph below shows rates for the cheapest car insurance in Scottsdale, AZ for a 35-year-old female driver with no prior accidents, a clean driving record, and a good credit history. When quoting prices based on her personal risk profile, The Hartford may have the cheapest car insurance rates in Scottsdale at $1,118 annually. This is $310 less than the average premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, USAA, and Travelers are also included in the most affordable Scottsdale, AZ auto insurance companies.
The example below compares rates after we give the driver from the above example a chargeable claim, bad credit, and an imperfect driving record. Since each auto insurer has their own guidelines to set premium rates, analyzing rates may result in a different ranking of companies as shown below.
GEICO now has the lowest car insurance rate in Scottsdale, AZ with Ameriprise Group, CSAA, Allied, and Farm Bureau Mutual also having competitive pricing. This demonstrates why it is critical to take the time to shop around when trying to get the most economical insurance quotes for a Ford Fusion. Insurance rates are impacted by many things and change substantially, so the best option the last time you shopped your coverage around may now be priced much higher than other options.
How to find budget-friendly auto insurance for a Ford Fusion
Lowering your rates is not difficult, and here are some of the recommended thrifty solutions that can help Arizona drivers locate cheaper coverage.
- Save money by bundling your home and auto policies
- Good credit can help you save money
- Having at-fault accidents will increase rates
- Increase your deductibles
- Earn a discount by not filing claims
- Be a cautious driver
- Compare price quotes at least once a year
That last idea is extraordinarily valuable, as was stressed in the prior information. Prices charged by companies fluctuate considerably, so don’t hesitate to buy from a new company if a lower price can be found.
Having a favorite company is great, but we do not recommend it if it’s costing you a considerable chunk of change every month. Spend a few minutes and compare prices to find cheaper auto insurance for a Ford Fusion in Scottsdale.
If you wish to get help from a professional when shopping around for cheaper insurance for a Ford Fusion, the agents listed below can most likely aid you in deciding which auto insurance policy would work best for you.
To find a Scottsdale insurance agency close to where you live, click the link at the bottom.
Roz Bankston – State Farm Insurance Agent
6900 E Camelback Rd #820 – Scottsdale, AZ 85251 – (480) 897-6500
Jim Wurbel – State Farm Insurance Agent
10789 N 90th St Ste 101 – Scottsdale, AZ 85260 – (480) 860-1090
Steve Fair – State Farm Insurance Agent
33717 N Scottsdale Rd #101 – Scottsdale, AZ 85266 – (480) 563-2710