Who Has the Cheapest Insurance for a Ford Fusion in Mississippi?
Enter your Mississippi zip code below to view companies that have cheap auto insurance rates.
UPDATED: Nov 13, 2019
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The odds of finding affordable car insurance for a Ford Fusion in Mississippi depends on a large number of factors such as the mileage of your daily commute, if you have ever let your coverage lapse, and if you have tickets or violations. Mississippi drivers pay approximately $1,370 each year to insure a Ford Fusion, but that policy rate is a ballpark figure that rates a 40-year-old single male driver that wants full physical damage coverage and $100 policy deductibles.
But there is a high likelihood that you are not 40 years old and maybe not even male, married instead of single, or maybe you need higher liability limits than the state minimum. What seems to be a minor change in rating variables can generate big changes in the cost of insurance for a Ford Fusion.
There is no one cookie-cutter policy that works for everyone, so the most reliable way to find cheap insurance rates for your Ford is to do your own rate comparisons. It takes less than five minutes and you will receive price comparisons from some of the most affordable companies that insure Ford vehicles in Mississippi.
The specific model of Fusion will have an impact the yearly cost, so the rate you will pay to insure a Fusion S 4-Dr Sedan trim level will cost $276 less than the price to insure the more expensive Fusion Sport AWD 4-Dr Sedan model, as shown in the chart below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Fusion S 4-Dr Sedan||$272||$576||$390||$24||$116||$1,378||$115|
|Fusion SE 4-Dr Sedan||$306||$678||$390||$24||$116||$1,514||$126|
|Fusion Hybrid 4-Dr Sedan||$306||$782||$488||$28||$146||$1,750||$146|
|Fusion SEL 4-Dr Sedan||$306||$678||$390||$24||$116||$1,514||$126|
|Fusion Sport 4-Dr Sedan||$306||$678||$390||$24||$116||$1,514||$126|
|Fusion SEL AWD 4-Dr Sedan||$342||$782||$390||$24||$116||$1,654||$138|
|Fusion Sport AWD 4-Dr Sedan||$342||$782||$390||$24||$116||$1,654||$138|
|Get Your Own Custom Quote Go|
Premium data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Mississippi minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Premium costs do not factor in the specific area where the vehicle is garaged which can revise price quotes significantly.
Establishing which company quotes the most affordable insurance rates for a Ford Fusion involves more time than just comparing rates from one or two companies. Every insurance provider has a proprietary formula for determining prices, so let’s take a look at the lowest cost insurance companies in Mississippi.
|Rank||Company||Cost Per Year|
|6||Southern Farm Bureau||$1,394|
|Get a Custom Quote Go|
USAA may offer some of the most affordable car insurance rates in Mississippi at around $815 each year. Travelers, Unitrin, Direct General, and ALFA also are some of the lowest-priced Mississippi insurance companies.
In the rate table above, if you are insured with ALFA and switched to Travelers, you could see annual savings of approximately $401. Policyholders with Southern Farm Bureau may save as much as $404 a year, and Safeway customers might lower prices by up to $410 a year.
To find out how your current rates compare, click here to start a quote or visit several of the following companies.
Understand that those premium estimates are averaged across all drivers and vehicles in Mississippi and and are not figured with a specific rate factor for a Ford Fusion. So the car insurance company that is best suited for you may not even be shown in the list of companies above. That points out the importance of why you need to get rate quotes from many companies using your own personalized driver profile and vehicle information.
Do you need full coverage?
Finding the cheapest insurance for a Ford Fusion in Mississippi is important to most vehicle owners, and an effective way to find cheap insurance is to buy only liability coverage. The illustration below shows the comparison of auto insurance rates with full coverage and liability only. The rate quotes are based on a clean driving record, no claims, $250 deductibles, single marital status, and no policy discounts are applied.
If we average the cost for all age groups, physical damage coverage costs $2,007 per year over liability only. Lot’s of drivers question if paying for full coverage is worth it. There is no definitive rule of when to exclude physical damage insurance, but there is a general convention. If the yearly cost for physical damage coverage is more than 10% of the replacement cost minus the deductible, then you might consider buying liability only.
For example, let’s assume your vehicle’s replacement cost is $9,500 and you have $1,000 deductibles. If your vehicle is totaled, the most you would get paid by your company is $8,500 after the deductible is paid. If premiums are more than $850 a year for physical damage coverage, then you might consider buying liability only.
Why you should compare rates
Mississippi insurance rates are influenced by many factors that will increase or decrease the price of your policy. Turning one year older, buying another vehicle, or having an at-fault accident can trigger rate changes that may make certain companies affordable when they were higher priced. Additionally, car insurance companies change the rates they charge in Mississippi as needed to adjust for gains or losses. A period of higher than normal claims can result in high rates, while a lower level of claims may result in more affordable Fusion insurance rates.
For instance, the chart below shows the company with the cheapest car insurance in Mississippi for a 35-year-old female driver with no prior claims, no tickets, and a high credit rating. Based on her current risk profile, USAA offers the lowest car insurance rates in Mississippi at $815 a year. This is $953 less than the average price paid by Mississippi drivers of $1,768. Travelers, Unitrin, Direct General, and ALFA are also included in the cheapest Mississippi auto insurance companies.
In this example, we will give the driver in the first example a claim or two, slightly worse credit, and a speeding ticket. Since each insurance company has a different formula for setting prices, comparing prices may now show a new list of affordable Mississippi car insurance companies as shown below.
Safeway now has the best price in Mississippi with State Farm, Shelter, Travelers, and Nationwide also having competitive pricing. This demonstrates why consumers need to shop around with many companies when trying to get the lowest car insurance quotes for a Ford Fusion.
Car insurance prices are determined by many different factors and can change substantially, so the most affordable company the last time you shopped around may now be quite expensive.
Ideas for finding economical insurance for a Ford Fusion
Here are some of the recommended thrifty solutions that can help drivers quote cheaper auto insurance.
- Higher deductibles save money
- Claim-free policyholders usually earn a discount
- Better credit scores save money
- Drive safe vehicles
- Bundle car and home insurance and save money
- Do not pay for full coverage on older vehicles
- Shop around for cheaper rates regularly
The final tip is remarkably necessary, as we pointed out in this write-up. Prices charged by car insurance companies change constantly, so don’t be afraid to buy a different policy if a more affordable rate is found.
Loyalty to a specific company is fine, but it’s not a good idea if that devotion results in you overpaying a considerable chunk of change every month. In just a few minutes you could compare prices to find cheaper car insurance for a Ford Fusion.
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