Buying cheaper insurance for a Ford Fusion in Arizona depends on a complex formula that considers things such as how safe your vehicle is, your credit score, and if you have tickets or violations. Drivers in Arizona pay on average $774 annually to insure their Fusion, but that is a valuation based on a 30-year-old married female driver with full physical damage coverage and $1,000 deductibles.
There is a good probability you aren’t exactly 30 years old or even a female, single instead of married, and maybe your Fusion is older and does not require full coverage. Insurance is an individual thing, so the best way to find the cheapest insurance price for your Ford is to put in the effort to do a thorough rate comparison.
The trim level of your Ford will be a contributing factor to the yearly cost, so the rate you pay to insure a Fusion S 4-Dr Sedan trim level will be $122 cheaper than the insurance cost for the more well-appointed Fusion Sport AWD 4-Dr Sedan trim level, as shown in the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Fusion S 4-Dr Sedan||$138||$240||$306||$18||$92||$794||$66|
|Fusion SE 4-Dr Sedan||$156||$284||$306||$18||$92||$856||$71|
|Fusion Hybrid 4-Dr Sedan||$156||$326||$382||$22||$114||$1,000||$83|
|Fusion SEL 4-Dr Sedan||$156||$284||$306||$18||$92||$856||$71|
|Fusion Sport 4-Dr Sedan||$156||$284||$306||$18||$92||$856||$71|
|Fusion SEL AWD 4-Dr Sedan||$174||$326||$306||$18||$92||$916||$76|
|Fusion Sport AWD 4-Dr Sedan||$174||$326||$306||$18||$92||$916||$76|
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Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Rates do not factor in your specific Mesa location which can raise or lower auto insurance rates considerably.
Deciding which companies have the lowest-priced insurance rates for a Ford Fusion may require a bit more work in order to find a policy that fits your budget. Each auto insurance company has their own guidelines for determining rates in each state, so let’s take a look at the most affordable insurance companies in Arizona.
Find Cheaper Car Insurance for Your Fusion
|Rank||Company||Cost Per Year|
|11||Farm Bureau Mutual||$1,259|
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The Hartford may have some of the cheapest car insurance rates in Mesa at around $811 annually. Auto-Owners, Safeco, Travelers, and USAA also make the cut as some of the lowest-priced Mesa, AZ auto insurance companies.
As shown above, if you have coverage with USAA and switched to Auto-Owners, you may realize a yearly savings of around $203. Customers with Progressive might save as much as $264 a year, and GEICO policyholders might reduce prices by as much as $289 a year.
Be aware that those rates are averages for all drivers and vehicles in Arizona and are not factoring in a specific zip code for a Ford Fusion. So the auto insurance company that can offer the best rates for your situation may not even be in the top 28 companies in the list above. That points out the importance of why you need to get quotes using your own driver and vehicle profiles.
Safe drivers pay less for insurance
The common sense way to obtain the cheapest insurance rates in Mesa for a Fusion is to be a cautious driver and have a clean driving record. The example below demonstrates how traffic citations and at-fault claims drive up auto insurance rates for different age groups of insureds. The data is based on a single male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied to the premium.
The chart shows that the average cost of car insurance in Mesa per year with no accidents and a clean driving record is $2,035. Get written up for one speeding ticket and the average cost surges to $2,291, an increase of $256 each year. Now add two accidents along with the one speeding ticket and the annual cost of insurance for a Ford Fusion goes up to an average of $4,443. That’s an increase of $2,408, or $201 per month, just for not being attentive to the road!
The chart below highlights how deductible choice can change insurance prices when researching cheap insurance for a Ford Fusion. The price estimates are based on a single male driver, full coverage, and no discounts are taken into consideration.
In the chart above, a 50-year-old driver could lower their policy premium by $296 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $446 by changing to a $1,000 deductible. Even younger insureds, like the age 20 example, can cut up to $972 each year just by using higher deductibles.
When increasing deductibles, it is important to have enough spare savings to be able to pay the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.
Compare quotes and save
Mesa, AZ insurance rates are influenced by many factors that may substantially change the price you pay. Simply improving your credit, becoming a homeowner, or getting a driving violation can trigger price changes resulting in some companies being more affordable than competitors.
And not only may your rating factors change, but insurance companies change prices without warning as an adjustment for underwriting gains or losses. Higher than normal claims may cause high rates, while a better loss history may produce cheaper Fusion insurance rates.
To illustrate this point, the chart below shows rates for the cheapest car insurance in Mesa, AZ for a 35-year-old male driver with no prior claims, no tickets, and great credit. If we compare prices based on his personal profile, The Hartford may have the most affordable car insurance rates in Mesa at $1,114 per year. This is $314 less than the average price paid by Arizona drivers of $1,428. Safeco, Auto-Owners, Travelers, and USAA also make the list of the best Mesa, AZ auto insurance companies.
Now let’s give the driver from the first rate comparison a claim surcharge, less-than-perfect credit, and a traffic citation. Since each auto insurer has a unique approach for determining rates, comparing rates most likely will result in a substantially altered list of cheap Mesa auto insurance companies as shown below.
GEICO now has the best price in Mesa, AZ with Ameriprise Group, CSAA, Allied, and Farm Bureau Mutual also having competitive pricing. This example proves why it is critical to compare rates to find the most economical insurance rates for a Ford Fusion. Prices consist of many factors and change frequently, so the most economical option six months ago may now be an over-priced policy.
If you have questions and prefer to get help from a professional when trying to find lower insurance rates for a Ford Fusion, the agents listed below can most likely help you make a decision which auto insurance coverages would be the best in your situation.
To find an agent closest to you, click the link at the bottom or click here to compare price quotes now.
- Jayson Hoffer Insurance Agency
1930 South Alma School Road A101 – Mesa, AZ 85210 – (480) 948-6115
- Donna Kohlhase – State Farm Insurance Agent
6836 E Brown Rd #101 – Mesa, AZ 85207 – (480) 396-2140
- Canyon Lands Insurance
3654 N Power Rd # 146 – Mesa, AZ 85215 – (480) 288-5900
How to find cheaper insurance for a Ford Fusion
The list below summarizes some of the recommended thrifty ideas that can help Mesa drivers find low-cost coverage.
- Save money by insuring older vehicles for liability only
- Avoid having at-fault accidents
- Buy your homeowners policy from the same company as your auto insurance
- Clean up your credit
- Drive vehicles with five-star safety ratings
- Shop around for lower rates once a year
The last tip in the list is extremely valuable, as was pointed out in this write-up. Car insurance prices in Mesa fluctuate constantly, so don’t be tentative to buy from a new company if a cheaper price is available.
Sticking with 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. It only take a few minutes to shop around and find cheaper car insurance for a Ford Fusion.