How Much are Insurance Quotes for a Ford Fusion in Georgia?

When the topic is car insurance, the words “affordable” or “cheap” should never appear as a descriptor for auto insurance rates. Be that as it may, cheap car insurance for a Ford Fusion can be extremely hard to find. Don’t let that spoil your day, because there may be ways you can quote car insurance that doesn’t cost an arm and a leg.

Finding affordable car insurance for a Ford Fusion in Georgia is contingent on things such as when you were born, the likelihood of your vehicle being stolen, and if you have a history of accidents. Drivers on average pay around $1,340 each year to insure their Fusion, but that policy rate is a ballpark figure calculated based on a 40-year-old single male who needs full coverage including both comprehensive and collision and $500 policy deductibles.

But there is a good chance that you aren’t exactly 40 years old or even a male, possibly married instead of single, or maybe you just want liability only. There is no “one size fits all” policy, so the only real way to find cheap auto insurance rates for your Ford is to comparison shop your policy at each renewal. In less than five minutes you will get price quotes from top-rated car insurance companies around.

Your Ford’s trim level will most likely have an effect on the cost of insurance, so the price you pay to insure a Fusion S 4-Dr Sedan model will be $230 less than the cost to insure the more well-appointed Fusion Sport AWD 4-Dr Sedan version, as demonstrated by the prices below.

Data variables include single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Rate information does not factor in garaging location in Georgia which can decrease or increase insurance rates greatly.

Finding out which insurers offer the lowest-priced insurance rates for a Ford Fusion may require a bit more work in order to find the lowest price quote. Each auto insurance company has a proprietary method for determining rates, so we will examine the most competitive insurance companies in Georgia.

Auto-Owners offers some of the lowest car insurance rates in Georgia at around $864 a year. The Hartford, USAA, Central Mutual, and MetLife also are some of the cheaper Georgia car insurance companies.

In this example, if you are insured with The Hartford and switched to Auto-Owners, you could earn an annual savings of about $58. Drivers with USAA could save as much as $104 a year, and Central Mutual policyholders might lower prices by $329 a year.

To see how much you can save, click here to get a free quote or visit several of the following companies.

These policy prices are averages across all insureds and vehicles and do not factor in a specific rate value for a Ford Fusion. So the insurer that can offer you the lowest price may not even be shown in the above rate chart. That underscores the importance of why you need to get quotes using your own personalized driver profile and vehicle information.

Get discounts on Georgia auto insurance

Insurers that sell cheap insurance for a Ford Fusion in Georgia may also give you discounts that may potentially lower prices by as much as 35% or more if you meet eligibility requirements. A list of insurance companies and their offered discounts are detailed below.

The diagram below visualizes the comparison of annual premium costs with and without some available policy discounts. The premium estimates are based on a male driver, no accidents or driving violations, Georgia state minimum liability limits, full coverage, and $500 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with vehicle safety, multiple vehicle, marriage, defensive driving course, accident-free, and passive restraint discounts applied. When these discounts are applied, the average savings per year on insurance for a Ford Fusion is 38% or $495.

The example below illustrates how your deductible choice can influence annual premium costs when getting quotes for cheap insurance for a Ford Fusion. The data is based on a single male driver, full coverage, and no discounts are factored in.

The chart above illustrates that a 50-year-old driver could pocket $516 a year by increasing from a $100 deductible to a $500 deductible, or save $776 by switching to a $1,000 deductible. Young drivers, such as the 20-year-old example, could potentially save up to $1,708 annually just by choosing larger deductibles.

When using a larger deductible, it is essential to have enough savings to cover the extra out-of-pocket expense, which is the one shortcoming of high deductibles.

How to find cheap insurance for a Ford Fusion in Georgia

It’s not impossible to find cheaper rates, and here are many money-saving suggestions that can help drivers find the cheapest auto insurance.

• Avoid accidents
• Save money by insuring older vehicles for liability only
• Higher credit ratings may save you money
• Buy safe vehicles
• Higher deductibles mean lower rates
• Do not get traffic violations
• Ensure you have the best deal by shopping around regularly

The last idea is very significant, as was stressed in the prior information. Prices charged by auto insurers fluctuate constantly, so don’t be hesitant to switch companies if you find a cheaper price.

Having brand loyalty is commendable, but it’s not a great idea if that devotion results in you overpaying a small fortune year after year. Now is a great time to compare prices to find cheaper auto insurance for a Ford Fusion.

Cheapest Ford Fusion insurance quotes

Thanks to technology, there are a lot of ways to get affordable insurance quotes in Georgia, but the most popular ways are through an independent or non-exclusive agent, an exlusive agent like Allstate or Auto-Owners, or buying direct from a company like Geico or Progressive.

You can use whichever you prefer, but it’s good to know the differences in how they provide rate quotes.

Independent agencies have contracts with multiple insurance companies and can compare coverage rates with every one. Independent agents are not required to write business for one company and can give you a larger rate selection, which may give you a better comparison. If prices rise, they can switch companies in-house and that require little work on your part.

A captive or exclusive agent is able to place business with a single company, two examples being a State Farm or Liberty Mutual agent. Exclusive agents generally are unable to give you multiple price quotes, so it’s a good idea to get additional price quotes.

Drivers who opt to buy insurance direct do not use an exlusive or independent agent and instead buy direct online or over the phone from a company like Geico or Progressive. Shopping for insurance direct may be good for drivers who do not need high amounts of coverage and know more than average about the limitations of insurance.

Which method works best to buy cheap insurance for a Ford Fusion in Georgia? Most people assume that shopping direct results in the cheapest price since there is no middleman, but that is not always the case. It could also be said buying from an independent agent is the best way to save since they have more companies to choose from, but again, that’s not accurate. And often times, the exclusive agents have very competitive rates well below independent agents AND direct companies.

Due to the large number of rating factors, really the only way to ensure you are not overpaying for insurance is to obtain price quotes and compare them. It’s recommended that drivers get price quotes from independent, exclusive, and direct to have a good selection of rates to choose from. For a list of insurance companies with low rates, click here to view.