Affordable Rate Quotes for Ford Fusion Insurance in Detroit

How many years has it been since you compared the cheapest Ford Fusion insurance in Detroit? Are you irritated from not being able to afford to buy auto insurance? You are in the same boat as many other consumers in Michigan.

Insurance rates Ford Fusion in DetroitIt’s safe to conclude that auto insurance companies don’t want you to compare rates. People who compare other rates are inclined to switch companies because of the high probability of finding a policy with more affordable rates. A recent survey discovered that people who compared prices once a year saved an average of $3,500 over four years compared to people who never compared prices.

If finding the cheapest rates on car insurance is your ultimate target, then learning a little about how to choose a company and compare insurance can make it easier for you to save money. Because there are so many insurance providers from which to choose, it can be hard to choose a more affordable insurer.

It’s important to check auto insurance prices before your policy renews since rates are usually higher with each renewal. Just because you found the lowest rate on Ford Fusion insurance in Detroit on your last policy there may be better deals available now. Ignore everything you know about auto insurance because you’re going to get a crash course in how to quote online to remove unneeded coverages and save money.

Lowering your Ford Fusion insurance rates can be relatively painless. Drivers just need to take a couple of minutes getting comparison quotes online from several insurance companies.

It’s so simple to compare insurance quotes online makes it obsolete to make phone calls or go to insurance agencies in your area. Doing it all online reduces the need to sit down with an agent unless you want the guidance only provided by licensed Detroit agents. If you prefer, some companies allow you to get the lowest quotes online but have a local agent actually write the policy.

The auto insurance companies shown below offer price comparisons in Michigan. If your goal is to find cheap auto insurance in MI, it’s highly recommended you visit as many as you can to get the most competitive price.

Facts and figures for Ford Fusion insurance

The information below covers detailed analysis of insurance prices for Ford Fusion models. Being aware of how insurance rates are formulated is important for you to make informed purchases.

Ford Fusion Insurance Rates in Detroit, MI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $394 $668 $712 $42 $212 $2,028 $169
Fusion SE 4-Dr Sedan $446 $786 $712 $42 $212 $2,198 $183
Fusion Hybrid 4-Dr Sedan $446 $904 $890 $52 $266 $2,558 $213
Fusion SEL 4-Dr Sedan $446 $786 $712 $42 $212 $2,198 $183
Fusion Sport 4-Dr Sedan $446 $786 $712 $42 $212 $2,198 $183
Fusion SEL AWD 4-Dr Sedan $496 $904 $712 $42 $212 $2,366 $197
Fusion Sport AWD 4-Dr Sedan $496 $904 $712 $42 $212 $2,366 $197
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Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Michigan minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Price information does not factor in specific garaging location which can alter price quotes substantially.

Deductible analysis

One frequently asked question is how high should the deductibles for physical damage be. The figures shown below approximate the cost difference when you buy lower versus higher deductibles. The first set of prices uses a $100 deductible and the second rate chart uses a $1,000 deductible.

Ford Fusion insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $594 $1074 $690 $40 $206 $2,629 $219
Fusion SE 4-Dr Sedan $670 $1264 $690 $40 $206 $2,895 $241
Fusion Hybrid 4-Dr Sedan $670 $1456 $864 $52 $258 $3,325 $277
Fusion SEL 4-Dr Sedan $670 $1264 $690 $40 $206 $2,895 $241
Fusion Sport 4-Dr Sedan $670 $1264 $690 $40 $206 $2,895 $241
Fusion SEL AWD 4-Dr Sedan $748 $1456 $690 $40 $206 $3,165 $264
Fusion Sport AWD 4-Dr Sedan $748 $1456 $690 $40 $206 $3,165 $264
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Ford Fusion insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $330 $566 $690 $40 $206 $1,832 $153
Fusion SE 4-Dr Sedan $372 $666 $690 $40 $206 $1,974 $165
Fusion Hybrid 4-Dr Sedan $372 $768 $864 $52 $258 $2,314 $193
Fusion SEL 4-Dr Sedan $372 $666 $690 $40 $206 $1,974 $165
Fusion Sport 4-Dr Sedan $372 $666 $690 $40 $206 $1,974 $165
Fusion SEL AWD 4-Dr Sedan $414 $768 $690 $40 $206 $2,118 $177
Fusion Sport AWD 4-Dr Sedan $414 $768 $690 $40 $206 $2,118 $177
Get Your Own Custom Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Michigan minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Rate information does not factor in your specific Detroit location which can change prices significantly.

Based on the above data, using a $100 deductible will cost you about $79 more each month or $948 every year averaged for all Fusion models than selecting the higher $1,000 deductible. Since you would pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you go more than 11 months between claim filings, you would save more money if you choose the higher deductible.

The illustration below highlights how deductible choice and can impact Ford Fusion yearly insurance costs for different age categories. The price estimates are based on a married male driver, full physical damage coverage, and no discounts are applied.

Should you buy full coverage?

The chart below visualizes the comparison of Ford Fusion insurance rates when comparing full coverage to liability only. The rate quotes are based on no tickets, no at-fault accidents, $1,000 deductibles, marital status is single, and no additional discounts are factored in.

When to eliminate full coverage

There is no exact rule to eliminate comp and collision coverage, but there is a general school of thought. If the yearly cost of full coverage is more than about 10% of the settlement you would receive from your company, then you may need to consider dropping full coverage.

For example, let’s pretend your Ford Fusion settlement value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, you would only receive $4,000 after the deductible is paid. If you are paying more than $400 annually for comprehensive and collision coverage, then you might want to think about dropping full coverage.

There are some conditions where only buying liability is not in your best interest. If you haven’t paid off your loan, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should keep full coverage in place.

Earn discounts on Detroit car insurance

Some companies don’t always list every possible discount in an easy-to-find place, so below is a list a few of the more well known as well as the least known credits that you can use to lower your rates.Car insurance discounts

As a disclaimer on discounts, some of the credits will not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like comprehensive or collision. So when the math indicates all the discounts add up to a free policy, companies don’t profit that way.

The diagram below shows the comparison of Ford Fusion yearly insurance costs with and without discounts applied. Data assumes a female driver, a clean driving record, no claims, Michigan state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, multi-policy, safe-driver, marriage, and claim-free discounts applied.

Larger car insurance companies and some of the premium reductions they offer are shown below.

If you need lower rates, check with each company the best way to save money. All car insurance discounts may not be offered in your state.

Why you need quality insurance for your vehicle

Despite the high cost, insurance is not optional due to several reasons.

The benefits of buying enough insurance outweigh the cost, especially for larger claims. According to a 2015 survey, the average American driver is overpaying more than $830 a year so compare rate quotes at every policy renewal to help ensure money is not being wasted.

Get rate quotes but buy from a local neighborhood Detroit car insurance agent

Many drivers would rather buy from a local agent. Professional insurance agents are highly skilled in risk management and help in the event of a claim. A nice benefit of comparing insurance online is that drivers can save money and get cheaper rates and still have a local agent. Buying insurance from local insurance agencies is definitely important in Detroit.

After filling out this short form, the coverage information is submitted to insurance agents in Detroit who can give free rate quotes for your business. You don’t have to contact any agents due to the fact that quote results will go to the email address you provide. If for some reason you want to compare rates from a specific company, you would need to search and find their rate quote page and complete a quote there.

If you want a reputable insurance agent or broker, there are two types of insurance agents and how they can write your policy. Insurance agencies are either independent agents or exclusive agents depending on their employer. Either one can properly insure your vehicles, but it’s important to point out the difference in how they write coverage because it may have an impact on your agent selection.

Independent Agents

Independent insurance agents are not restricted to one company so they can insure your vehicles through many companies and get the cheapest rates. If you are not satisfied with one company, an independent agent can move your coverage and you can keep the same agent.

If you are trying to find cheaper rates, we recommend you get some free quotes from multiple independent agents to ensure the widest selection of prices.

Listed below are independent agents in Detroit who may be able to give you pricing information.

16119 W Warren AveDetroit, MI 48228(313) 582-1500View Map

Look Insurance Detroit Southwest Agency
6724 Michigan AveDetroit, MI 48210(313) 899-3194View Map

2711 E Jefferson Ave #206Detroit, MI 48207(313) 259-6600View Map

View more Detroit agents

Exclusive Agencies

Agents that choose to be exclusive normally can only provide a single company’s rates such as Farmers Insurance, State Farm, or Allstate. They are unable to compare rates from other companies so it’s a take it or leave it situation. Exclusive agents are usually well trained on sales techniques which helps overcome the inability to quote other rates.

Shown below is a short list of exclusive agents in Detroit willing to provide price quote information.

Tony Massey – State Farm Insurance Agent
15 E Kirby St #112Detroit, MI 48202(313) 873-3334View Map

7100 W Seven Mile RdDetroit, MI 48221(313) 340-9000View Map

14511 W McNichols RdDetroit, MI 48235(313) 862-7800View Map

View more Detroit agents

Selecting an auto insurance agent should include more criteria than just a cheap price. Agents should be asked these questions: