Cheapest 2017 Ford Fusion Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 6, 2023

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Buyers have many options when searching for affordable 2017 Ford Fusion insurance. They can either spend hours driving around to compare prices or utilize the internet to make rate comparisons. There is a better way to shop for insurance, so we’re going to tell you the absolute fastest way to price shop coverage for a new or used Ford and obtain the lowest Ford Fusion insurance cost from local insurance agents and online providers.

It is always a good idea to shop around for coverage periodically because prices are constantly changing. Just because you found the lowest rates for Fusion coverage a couple of years back doesn’t mean you must still have the best rate today. So forget all the misinformation about insurance, because you’re going to get a crash course on the best way to save money and get proper coverage and the best rates.

If you are insured now or are just looking to switch companies, you can use these tips to find better prices and possibly find even better coverage. The purpose of this article is to familiarize you with the best way to quote coverages and some tricks to saving. Vehicle owners only need an understanding of the best way to compare company rates over the internet.

Discounts for 2017 Ford Fusion Insurance

Car insurance companies don’t always advertise every available discount very clearly, so the following is a list of some of the best known and also the lesser-known savings tricks you should be using. If you’re not getting every credit you qualify for, you are paying more than you should be.

  • Club Memberships – Belonging to a professional or civic organization could qualify you for a break on auto insurance for Fusion coverage.
  • Defensive Driver – Successfully completing a course in driver safety can save you 5% or more if your company offers it.
  • Paperless Signup – A handful of insurance companies give back up to $50 simply for signing on their website.
  • Seat Belts Save – Drivers who require all occupants to use their safety belts could cut 10% or more on the medical payments or PIP coverage costs.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
  • Resident Student – Any of your kids living away from home attending college and who do not have a car can receive lower rates.
  • Save over 55 – If you’re over the age of 55, you can possibly qualify for better auto insurance rates for Fusion coverage.
  • Claim Free – Drivers with accident-free driving histories can earn big discounts as compared to frequent claim filers.

Consumers should know that many deductions do not apply to the entire cost. A few only apply to the cost of specific coverages such as comp or med pay. So even though they make it sound like it’s possible to get free car insurance, auto insurance companies aren’t that generous.

Car insurance companies that may have some of the above discounts may include but are not limited to:

  • State Farm
  • Nationwide
  • AAA
  • 21st Century
  • The Hartford

Before buying, ask each company how you can save money. Discounts may not be available in your area.

Which insurance provider is the cheapest?

There are a lot of ways to compare auto insurance quotes, but there is one way that is less time-consuming than others. You could waste time driving to agents in your area, or you can utilize online quotes to achieve your goal.

Many insurance companies enroll in a system where prospective buyers submit their information once, and each participating company can provide price quotes determined by their information. This prevents consumers from doing quote forms for every company.

The single downside to comparing rates this way is you don’t know exactly the insurers to get pricing from. So if you prefer to choose individual companies for rate comparison, we put together a list of low-cost auto insurance companies in your area.

It doesn’t matter which method you choose, just make sure you use the exact same quote information with each company. If your comparisons have unequal deductibles or liability limits then you won’t be able to determine the lowest rate for your Ford Fusion.

Situations That Might Require an Agent

When buying the right insurance coverage, there is no cookie-cutter policy. Everyone’s situation is unique.

Here are some questions about coverages that could help you determine whether your personal situation would benefit from professional advice.

  • Does my insurance cover my expensive audio equipment?
  • What is the ISO rating for a 2017 Ford Fusion?
  • Will filing a claim cost me more?
  • Exactly who is provided coverage by my policy?
  • At what point should I drop full coverage?
  • Is my teenager covered with friends in the car?
  • What discounts do I qualify for?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent.

Coverages for 2017 Ford Fusion Insurance

Understanding the coverages of your insurance policy helps when choosing the best coverages for your vehicles. Insurance terms can be confusing and reading a policy is terribly boring.

Collision coverages – This coverage pays for damage to your Fusion resulting from a collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as sustaining damage from a pothole, driving through your garage door, and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also increase the deductible to bring the cost down.

Liability coverages – This coverage will cover damages or injuries you inflict on a person or their property that is your fault. This insurance protects you from legal claims by others and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident, and a property damage limit. You might see values of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged property.

Liability can pay for things such as bail bonds, loss of income, and structural damage. How much coverage you buy is a personal decision, but buy higher limits if possible.

Comprehensive coverage – This coverage will pay to fix damage other than a collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as fire damage, damage from getting keyed, a tree branch falling on your vehicle, and falling objects. The most your insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance pay for immediate expenses for things like hospital visits, nursing services, and funeral costs. They are often used to fill the gap in your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants, as well as any family member, struck as a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Ford Fusion.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Stretch Your Dollar

People change insurance companies for a number of reasons such as denial of a claim, unfair underwriting practices, policy cancellation, and even high prices. Whatever your reason, finding a great new company is easier than you think.

As you shop your coverage around, do not buy poor coverage just to save money. In too many instances, drivers have reduced comprehensive coverage or liability limits to discover at claim time that the small savings ended up costing them much more. The ultimate goal is to get the best coverage possible at an affordable rate, not the least amount of coverage.

Affordable 2017 Ford Fusion insurance can be bought on the web and with local insurance agents, and you need to comparison shop both to have the best selection. Some companies do not offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

Much more information about insurance can be found at these links:

Frequently Asked Questions

How often should I review and update my insurance coverage for my 2017 Ford Fusion?

It’s a good practice to review your insurance coverage annually or whenever significant changes occur in your life or driving habits. Factors such as changes in your vehicle’s value, your driving record, or even moving to a different location can affect your insurance needs and premiums. Regularly reviewing your coverage allows you to ensure you have adequate protection and explore potential savings by comparing quotes from different insurers.

Do I need gap insurance for my 2017 Ford Fusion?

Gap insurance is not mandatory, but it can be beneficial if you’re leasing or financing your 2017 Ford Fusion. Gap insurance covers the difference between the actual cash value of your vehicle and the amount you owe on your lease or loan if your car is totaled or stolen. This can help protect you from financial loss in case of a total loss event. It’s important to review your lease or loan agreement and consider your specific situation to determine if gap insurance is necessary for you.

Will modifications or aftermarket upgrades to my 2017 Ford Fusion affect my insurance rates?

Yes, modifications or aftermarket upgrades to your Ford Fusion can affect your insurance rates. Certain modifications, such as performance enhancements or changes to the vehicle’s appearance, may increase the risk profile and cost to insure the car. It’s important to notify your insurance company about any modifications made to your vehicle to ensure you have adequate coverage.

Can I get insurance coverage for my 2017 Ford Fusion if I have a bad driving record?

Yes, insurance companies generally provide coverage for drivers with a bad driving record, but the rates may be higher. Your driving record is a significant factor that insurers consider when determining premiums. It’s advisable to shop around and compare quotes from different insurance companies to find the most affordable rates available to you.

Will my insurance rates be affected by the color of my 2017 Ford Fusion?

No, insurance rates are not typically affected by the color of your vehicle, including a 2017 Ford Fusion. Insurance companies primarily consider factors such as the make, model, age, engine size, safety features, driving history, and other risk-related factors when determining premiums. The color of your car does not directly impact your insurance rates.

Can I get insurance coverage for my 2017 Ford Fusion if I use it for ridesharing or delivery services?

If you use your 2017 Ford Fusion for ridesharing (such as Uber or Lyft) or delivery services (such as Uber Eats or DoorDash), a standard personal auto insurance policy may not provide adequate coverage. Most personal auto insurance policies exclude coverage for commercial activities. It’s essential to inform your insurance company about your intended use of the vehicle, as you may need to obtain a separate commercial auto insurance policy or a specific rideshare/delivery driver policy to ensure proper coverage.

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