To save the most money, the best way to get discount Ford Fusion insurance is to compare quotes annually from different companies in Mesa. Price quotes can be compared by following these guidelines.
- Take a few minutes and learn about how auto insurance works and the things you can change to prevent high rates. Many risk factors that result in higher rates such as accidents, traffic violations, and poor credit rating can be controlled by making lifestyle changes or driving safer. Keep reading for additional ideas to prevent rate hikes and find additional discounts.
- Quote rates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can give quotes from a single company like GEICO or Allstate, while independent agencies can provide rate quotes for a wide range of insurance providers.
- Compare the price quotes to your existing coverage to see if cheaper Fusion coverage is available. If you find better rates, ensure coverage does not lapse between policies.
A tip to remember is that you’ll want to compare identical deductibles and limits on each quote request and and to look at as many companies as possible. This helps ensure an apples-to-apples comparison and many rates to choose from.
Anyone knows that auto insurance companies want to keep your business as long as possible. Insureds who compare rates annually are very likely to switch to a new company because there is a great chance of finding discount prices. A recent survey found that drivers who compared rates once a year saved over $72 a month compared to those who don’t make a habit of comparing rates.
If saving the most money on car insurance is the reason for your visit, then learning about how to compare car insurance can make it easier to shop your coverage around.
All the larger insurance companies make it easy to get pricing on the web. Getting Ford Fusion insurance prices online is quite easy because it’s just a matter of typing in the coverages you want as detailed in the form. After you complete the form, the system collects your credit score and driving record and gives you a price quote. Quoting online for Ford Fusion insurance in Mesa streamlines rate comparisons, and it’s very important to perform this step if you are searching for a lower rate.
To save time and compare pricing, compare rates now from the companies shown below. If you currently have coverage, we recommend you type in the limits and deductibles as shown on your current policy. This helps ensure you will have rate quotes for similar coverage.
The providers in the list below are our best choices to provide quotes in Arizona. In order to find the cheapest car insurance in Mesa, we suggest you get rate quotes from several of them in order to get a fair rate comparison.
Ford Fusion insurance rates and statistics
The data table displayed below highlights detailed analysis of coverage prices for Ford Fusion models. Understanding more about how rates are established can assist in making informed decisions when comparing rate quotes.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Fusion S 4-Dr Sedan||$162||$308||$314||$18||$94||$896||$75|
|Fusion SE 4-Dr Sedan||$182||$364||$314||$18||$94||$972||$81|
|Fusion Hybrid 4-Dr Sedan||$182||$418||$394||$24||$118||$1,136||$95|
|Fusion SEL 4-Dr Sedan||$182||$364||$314||$18||$94||$972||$81|
|Fusion Sport 4-Dr Sedan||$182||$364||$314||$18||$94||$972||$81|
|Fusion SEL AWD 4-Dr Sedan||$204||$418||$314||$18||$94||$1,048||$87|
|Fusion Sport AWD 4-Dr Sedan||$204||$418||$314||$18||$94||$1,048||$87|
|Get Your Own Custom Quote Go|
Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Premium costs do not factor in specific garaging location which can raise or lower prices noticeably.
Price comparison of only insuring for liability
The information below compares Ford Fusion insurance costs with full coverage compared to only the Arizona minimum liability coverage. The rate quotes are based on no driving violations, no at-fault accidents, $100 deductibles, drivers are not married, and no additional discounts are factored in.
When to stop buying full coverage
There is no set guideline of when to stop paying for physical damage coverage, but there is a guideline you can use. If the annual cost of your full coverage insurance is more than around 10% of replacement cost minus your deductible, then it may be the right time to buy liability only.
For example, let’s assume your Ford Fusion book value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company would pay you is $2,000 after paying your deductible. If you are currently paying more than $200 annually for your policy with full coverage, the it may be a good time to stop paying for full coverage.
There are some scenarios where dropping physical damage coverage is not a good plan. If you still owe a portion of the original loan, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should keep full coverage.
How much car insurance do I need?
When it comes to buying coverage online or from an agent, there isn’t really a “best” method to buy coverage. Coverage needs to be tailored to your specific needs so your insurance needs to address that.
These are some specific questions can aid in determining if you would benefit from an agent’s advice.
- Should I waive the damage coverage when renting a car?
- Do I have coverage when making deliveries for my home business?
- Is pleasure use cheaper than using my Ford Fusion to commute?
- Do I need PIP coverage since I have good health insurance?
- What can I do if my company denied a claim?
- Are all vehicle passengers covered by medical payments coverage?
If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.
When should I talk to an insurance agency?
Many drivers still prefer to talk to a local agent and that is just fine! Professional agents can help you choose the best coverages and help in the event of a claim. A nice benefit of comparing car insurance online is you may find lower rates but also keep your business local. Putting coverage with local agents is still important in Mesa.
Upon completion of this form (opens in new window), your insurance data is instantly submitted to local insurance agents that give free quotes for your coverage. You won’t even need to do any legwork due to the fact that quote results will go to you instantly. If for some reason you want to get a price quote from one company in particular, you just need to find their quoting web page and complete a quote there.
Insurance agent types
If you want to buy car insurance from a reputable agency, you must know there are a couple types of agencies and how they are distinctly different. Mesa agents can be categorized as either independent (non-exclusive) or exclusive. Both types of agents can properly insure your vehicles, but it is important to understand how they differ since it can impact which agent you choose.
Independent Agencies or Brokers
Independent insurance agents often have affiliation with several companies so they have the ability to put coverage with an assortment of companies and possibly get better coverage at lower prices. If you want to switch companies, your agent can just switch to a different company and you don’t have to do anything. If you are trying to find cheaper rates, you will definitely want to get several quotes from at a minimum one independent agency to maximize your price options.
Featured below is a short list of independent agencies in Mesa that may be able to give price quote information.
Nationwide Insurance: Isakson Ins Agency Inc
1819 E Southern Ave, Ste E20 – Mesa, AZ 85204 – (480) 888-0318 – View Map
Canyon Lands Insurance: Donalds Jeffrey
1550 E University Dr – Mesa, AZ 85203 – (480) 668-7000 – View Map
Jeff Klusmann Insurance Agency
1955 N Val Vista Dr – Mesa, AZ 85213 – (480) 830-0080 – View Map
Exclusive insurance agents can only place business with one company and some examples include Farmers Insurance or State Farm. They usually cannot give you multiple price quotes so they are skilled at selling on more than just price. Exclusive agents are highly trained on their company’s products which aids in selling service over price.
The following is a short list of exclusive agents in Mesa that can give you price quotes.
Kimball Porter – State Farm Insurance Agent
1847 S Greenfield Rd Ste 107 – Mesa, AZ 85206 – (480) 892-1779 – View Map
Cie Taylor – State Farm Insurance Agent
2801 E McKellips Rd – Mesa, AZ 85213 – (480) 830-1513 – View Map
Donna Kohlhase – State Farm Insurance Agent
6836 E Brown Rd #101 – Mesa, AZ 85207 – (480) 396-2140 – View Map
Finding a good insurance agent requires more thought than just the quoted price. These are some questions you should get answers to.
- How are claims handled?
- Are they full-time agents?
- Does the company have a solid financial rating?
- Is there a local claims center in Mesa?
- Are aftermarket or OEM parts used to repair vehicles?
- Do the agents have professional certifications like CPCU or CIC?
- Will the company cover a rental car if your car is getting fixed?
Which auto insurance company is best in Mesa?
Insuring your vehicle with the best insurer is hard considering how many companies provide coverage in Mesa. The company rank data listed below could help you decide which insurers you want to consider when comparing rates.
Top 10 Mesa Car Insurance Companies Overall
- American Family
- State Farm
- The Hartford
- AAA Insurance
- The General
- Titan Insurance
- Mercury Insurance
Top 10 Mesa Car Insurance Companies Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA Insurance – 91%
- State Farm – 90%
- Nationwide – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
- Liberty Mutual – 88%