2007 Ford Fusion Insurance Rates
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UPDATED: Nov 30, 2021
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Average insurance rates for a 2007 Ford Fusion are $1,070 a year including full coverage. Comprehensive insurance costs an estimated $176 each year, collision costs $262, and liability coverage costs $474. Buying a liability-only policy costs as little as $522 a year, with high-risk insurance costing $2,310 or more. Teen drivers receive the highest rates at $4,276 a year or more.
Annual premium for full coverage: $1,070
Rate estimates for 2007 Ford Fusion Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2007 Ford Fusion models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range go from as low as $522 for a discount liability-only rate to a high rate of $2,310 for high-risk insurance.
These differences highlight why all drivers should compare rates for a targeted area and risk profile, rather than using price averages.
Use the form below to get rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Recommended Companies for Cheap 2007 Ford Fusion Insurance
Have you fallen victim to an underperforming, overpriced auto insurance policy? Believe me when I say there are a lot of people just like you who feel imprisoned by their auto insurance policy.
Multiple insurance companies compete for your business, so it’s not easy to compare every insurance company and get the definite best rate
It’s important to compare rates at least once a year due to the fact that insurance rates fluctuate regularly. Just because you had the best deal for Fusion coverage six months ago a different company probably has better rates today. Block out anything you think you know about auto insurance because I’m going to let you in on the secrets to the easiest way to get good coverage at a lower rate.
Do you qualify for these six discounts?
Insuring your vehicles can cost a lot, but companies offer discounts that you may not know about. Most are applied at quote time, but lesser-known reductions have to be inquired about prior to receiving the credit.
- Discount for Good Grades – Getting good grades can save 20 to 25%. The discount lasts up until you turn 25.
- Accident Free – Drivers with accident-free driving histories pay less as compared to accident-prone drivers.
- Theft Prevention Discount – Anti-theft and alarm systems are stolen less frequently and will save you 10% or more.
- Government Employees – Employees or retirees of the government may qualify you for a discount for Fusion coverage with certain companies.
- Military Discounts – Having a family member in the military could be rewarded with lower premiums.
- Bundle and Save – If you have multiple policies with the same insurance company you may earn approximately 10% to 15%.
Consumers should know that most credits do not apply to all coverage premiums. Most only apply to the price of certain insurance coverages like collision or personal injury protection. Just because it seems like adding up those discounts means a free policy, companies wouldn’t make money that way. But all discounts will cut the cost of coverage.
A partial list of companies that may have these benefits are:
- State Farm
- American Family
- Mercury Insurance
- Farmers Insurance
Double check with every prospective company how you can save money. Some discounts may not be available in every state.
How to Lower Your Insurance Cost
There are several ways of comparing rate quotes and find the best price. The simplest method to find the cheapest 2007 Ford Fusion insurance rates is to get quotes online. This can be done using a couple different methods.
- A less efficient way to shop for insurance online requires visiting the website of each company and fill out their own quote form. For sake of this example, let’s say you want comparison quotes from Progressive, Esurance and Liberty Mutual. To get each rate you have to visit each site and enter your policy data, and that’s why the first method is more popular.
It’s up to you which method you use, but double check that you are using exactly the same information on every quote. If you use differing limits it will be next to impossible to determine which rate is truly the best. Just a small difference in limits may result in large price differences. And when price shopping your coverage, obtaining a wide range of quotes provides better odds of finding the best offered rates.
Don’t assume everyone needs the same coverage
When it comes to buying the right insurance coverage, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. Here are some questions about coverages that might help in determining if your situation may require specific advice.
- Which companies will insure high-risk drivers?
- Do I need PIP (personal injury protection) coverage in my state?
- Why do I need rental car insurance?
- Does insurance cover tools stolen from my truck?
- Does my insurance cover my expensive audio equipment?
- Can I get a multi-policy discount for packaging my home and auto coverage?
- Is extra glass coverage worth it?
- Will my vehicle be repaired with OEM or aftermarket parts?
If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an insurance agent.
Auto insurance coverages 101
Knowing the specifics of your auto insurance policy helps when choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be confusing and coverage can change by endorsement. Below you’ll find typical coverages available from auto insurance companies.
Comprehensive insurance pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive coverage pays for claims like damage from a tornado or hurricane, hail damage and damage from getting keyed. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.
Coverage for medical payments
Med pay and PIP coverage pay for expenses like EMT expenses, nursing services and funeral costs. They can be used in conjunction with a health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and may carry a deductible
Uninsured and underinsured coverage
This coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.
Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is very important. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.
Auto liability insurance
This coverage protects you from damage or injury you incur to people or other property that is your fault. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.
Liability insurance covers claims like court costs, attorney fees, emergency aid, medical expenses and medical services. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.
Collision coverage will pay to fix damage to your Fusion resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.
Collision insurance covers claims like backing into a parked car, colliding with a tree, crashing into a building, scraping a guard rail and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. You can also bump up the deductible to get cheaper collision coverage.
Don’t be a big spender
When trying to cut insurance costs, it’s a bad idea to sacrifice coverage to reduce premiums. In many instances, drivers have reduced physical damage coverage and learned later that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy a smart amount of coverage at an affordable rate while still protecting your assets.
We just covered many ways to compare 2007 Ford Fusion insurance prices online. The key thing to remember is the more price quotes you have, the higher the chance of saving money. Consumers may even find the lowest priced car insurance comes from some of the lesser-known companies. They may have significantly lower rates on certain market segments than the large multi-state companies such as Allstate, GEICO and Progressive.
Rates by U.S. City
|New York City, NY||$1,692|
|Los Angeles, CA||$1,830|
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Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$68|
|5-yr Claim Free||$68|
|Paid in Full/EFT||$40|
Discounts are estimated and may not be available from every company or in every state.