Best Austin Ford Fusion Insurance

Insurance for Ford FusionHow many times have you said it’s time to compare more competitive insurance rates in Austin, TX? Austin shoppers have lots of choices when shopping for low-cost Ford Fusion insurance. They can either waste time struggling with agents getting price quotes or save time using the internet to find the lowest rates. There is a right way and a wrong way to find insurance online and we’ll show you the best way to compare rates for your Ford and locate the best price possible.

It is always a good idea to shop coverage around at least once a year because insurance rates are adjusted regularly by insurance companies. If you had the best premium rates on Ford Fusion insurance in Austin a year ago you can probably find a better price now. Don’t believe everything you read about Fusion insurance online, but I’m going to show you some great ways to lower your insurance premiums.

The quickest way to compare insurance rates in your area is to realize most insurance companies participate in a system to compare their rates. To begin a comparison, all you need to do is provide details such as whether you have decent credit, marital status, driver ages, and if your license is active. Your details is then sent to multiple companies and they respond with quotes almost instantly.

To compare cheap Ford Fusion insurance rates now, click here and complete the quick form.

The companies in the list below provide free quotes in Texas. If the list has multiple companies, we recommend you click on several of them to get the best price comparison.


Ford Fusion Insurance Cost Estimates in Austin, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $294 $496 $382 $22 $114 $1,308 $109
Fusion SE 4-Dr Sedan $370 $698 $382 $22 $114 $1,586 $132
Fusion Hybrid 4-Dr Sedan $378 $672 $624 $36 $186 $1,896 $158
Fusion SEL 4-Dr Sedan $232 $462 $400 $24 $120 $1,238 $103
Fusion Sport 4-Dr Sedan $300 $580 $514 $30 $154 $1,578 $132
Fusion SEL AWD 4-Dr Sedan $318 $660 $430 $26 $128 $1,562 $130
Fusion Sport AWD 4-Dr Sedan $458 $988 $514 $30 $154 $2,144 $179
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Data rating is based on single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Information does not factor in specific zip code location which can influence prices significantly.

Comparison of policy deductibles

A question often asked by Austin drivers is the level to set your comp and collision deductibles. The rates shown below can help you visualize the rate differences when you select higher and lower policy deductibles. The first price estimate table uses a $250 physical damage coverage deductible and the second price grid uses a $500 deductible.


Ford Fusion insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $294 $496 $382 $22 $114 $1,333 $111
Fusion SE 4-Dr Sedan $332 $584 $382 $22 $114 $1,459 $122
Fusion Hybrid 4-Dr Sedan $332 $672 $476 $28 $142 $1,675 $140
Fusion SEL 4-Dr Sedan $332 $584 $382 $22 $114 $1,459 $122
Fusion Sport 4-Dr Sedan $332 $584 $382 $22 $114 $1,459 $122
Fusion SEL AWD 4-Dr Sedan $370 $672 $382 $22 $114 $1,585 $132
Fusion Sport AWD 4-Dr Sedan $370 $672 $382 $22 $114 $1,585 $132
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Ford Fusion insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $240 $400 $382 $22 $114 $1,158 $97
Fusion SE 4-Dr Sedan $270 $472 $382 $22 $114 $1,260 $105
Fusion Hybrid 4-Dr Sedan $270 $542 $476 $28 $142 $1,458 $122
Fusion SEL 4-Dr Sedan $270 $472 $382 $22 $114 $1,260 $105
Fusion Sport 4-Dr Sedan $270 $472 $382 $22 $114 $1,260 $105
Fusion SEL AWD 4-Dr Sedan $300 $542 $382 $22 $114 $1,360 $113
Fusion Sport AWD 4-Dr Sedan $300 $542 $382 $22 $114 $1,360 $113
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Price information does not factor in specific location information which can influence rates considerably.

Based on the above data, using a $250 deductible would cost the average driver about $17 more each month or $204 a year than buying the higher $500 deductible. Since the policyholder would be required to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you go at least 15 months between claims, you would save money by going with a higher deductible.

Discounts mean cheaper rates for Ford Fusion insurance in Austin

The price of auto insurance can be rather high, but you may find discounts to help bring down the price. Some of these discounts will be visible at the time you complete a quote, but once in a while a discount must be asked about prior to receiving the credit.Save money with discounts

You can save money using discounts, but most of the big mark downs will not be given to the overall cost of the policy. Some only reduce the cost of specific coverages such as collision or personal injury protection. Just because you may think it’s possible to get free car insurance, you aren’t that lucky.

The best car insurance companies and some of the premium reductions they offer are detailed below.

If you need lower rates, check with all the companies which discounts can lower your rates. Discounts might not apply in Austin. To locate providers with discount car insurance rates in Austin, click here.

Are car insurance agents used anymore?

Many drivers just prefer to go talk to an agent and that is a personal choice. Professional agents are trained to spot inefficiencies and help you file claims. One of the best bonuses of comparing rates online is the fact that drivers can get the lowest rates and still buy from a local agent.

To make it easy to find an agent, after completing this simple form, your insurance data is transmitted to agents in your area that can provide free Austin auto insurance quotes for your coverage. You don’t have to contact any agents as quotes are delivered to you. If you need to quote rates from one company in particular, you would need to visit that company’s website and fill out the quote form the provide.

Choosing an company should depend on more than just a cheap price quote. These questions are important to ask:

Pick the best car insurance agent in Austin for you

When researching a local Austin insurance agent, there are a couple of different agency structures that you can choose from. Auto insurance agencies can either be exclusive agents or independent agents. Both types of agents can sell auto insurance policies, but it’s good to learn the difference in how they write coverage because it can factor into the type of agent you choose.

Exclusive Agencies

Exclusive insurance agents normally can only provide a single company’s rates such as State Farm, AAA, Farmers Insurance or Allstate. Exclusive agents cannot shop your coverage around so it’s a take it or leave it situation. Exclusive insurance agents receive extensive training in insurance sales which can be an advantage. Many people use the same agent mostly because of the brand and solid financial strength.

Below is a list of exclusive agencies in Austin that are able to give comparison quotes.

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Independent Insurance Agents

Agents that elect to be independent are not limited to a single company and that allows them to write policies through many different auto insurance companies and get the cheapest rates. If your agent finds better pricing, an independent agent can move your coverage and you don’t have to do anything. When shopping rates, you need to get quotes from at least one independent agent to get the best comparison. Most have the option of insuring with companies you’ve never heard of that many times have cheaper rates.

The following are independent insurance agencies in Austin willing to provide rate quotes.

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How do Car Insurance Companies Determine Ford Fusion Insurance Premiums?

Multiple criteria are part of the calculation when you get your auto insurance bill. Some are obvious such as traffic violations, but others are not quite as obvious like your continuous coverage or how safe your car is. It’s important that you understand some of the elements that help calculate the level of your policy premiums. If you have some idea of what controls the rates you pay, this allows you to make educated decisions that could result in lower premium levels.

The itemized list below are a few of the things used by your company to calculate your prices.

Three reasons to insure your Ford vehicle

Despite the high insurance cost for a Ford Fusion in Austin, buying insurance is mandatory in Texas but it also protects more than you think.

The benefits of carrying enough insurance outweigh the cost, specifically if you ever have a liability claim. The average driver in Texas overpays as much as $850 per year so it’s very important to do a rate comparison every year to ensure rates are inline.

The best insurance company isn’t always the cheapest

People change insurance companies for a variety of reasons including high prices, unfair underwriting practices, being labeled a high risk driver and even extreme rates for teen drivers. Regardless of your reason, switching insurance companies can be less work than you think.

We just showed you many ideas to save on Ford Fusion insurance in Austin. It’s most important to understand that the more you quote Austin auto insurance, the better likelihood of getting affordable Austin auto insurance quotes. You may even be surprised to find that the most savings is with an unexpected company.

When getting Austin auto insurance quotes online, it’s not a good idea to reduce needed coverages to save money. In many cases, drivers have reduced liability limits or collision coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your focus should be to buy a smart amount of coverage at the best price while not skimping on critical coverages.

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