Buying competitive coverage for a Ford Fusion in Georgia is fairly simple, but it relies on a very complex rating algorithm that uses multiple factors such as age of the vehicle, your profession, and citations or violations on your driving record. Drivers in Georgia will pay around $1,173 a year for Fusion insurance, but that cost is an estimate calculated using a 50-year-old married male driver with full comprehensive and collision coverage and $250 deductibles.
There's a good chance you're not a 50-year-old male, you might be single instead of married, or maybe you have a speeding ticket that needs to be factored in. Everyone has unique insurance needs, and this illustrates why the only way to find cheap car insurance rates for your Ford is to compare as many rates as possible.
Vehicle trim level will most likely have an effect on price, so the price you will pay to insure a Fusion S 4-Dr Sedan will cost $214 less than the cost to insure the higher-priced 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||$238||$436||$378||$22||$114||$1,188||$99|
|Fusion SE 4-Dr Sedan||$268||$514||$378||$22||$114||$1,296||$108|
|Fusion Hybrid 4-Dr Sedan||$268||$590||$472||$28||$142||$1,500||$125|
|Fusion SEL 4-Dr Sedan||$268||$514||$378||$22||$114||$1,296||$108|
|Fusion Sport 4-Dr Sedan||$268||$514||$378||$22||$114||$1,296||$108|
|Fusion SEL AWD 4-Dr Sedan||$298||$590||$378||$22||$114||$1,402||$117|
|Fusion Sport AWD 4-Dr Sedan||$298||$590||$378||$22||$114||$1,402||$117|
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Data variables include married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Georgia minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Information does not factor in specific garaging location which can alter auto insurance rates considerably.
Establishing which companies quote the best auto insurance rates for a Ford Fusion takes a little more sweat in order to find the most economical policy. Each insurer uses different criteria for determining prices, so let's rank the most budget-friendly auto insurance companies in Atlanta.
It's important that readers know that Georgia auto insurance rates are determined by lots of factors which can substantially change the price you pay for coverage. Improving your credit rating, moving to a new city, or getting a reckless driving citation can produce rate changes that may make certain companies cheaper than before.
Best Cheap Insurance Rates for Your Fusion
Auto-Owners has some of the best car insurance rates in Atlanta at around $864 each year. The Hartford, USAA, Central Mutual, and MetLife also qualify as some of the cheaper Atlanta, GA insurance companies.
As illustrated above, if you are a policyholder with Central Mutual and switched to Auto-Owners, you might see a yearly savings of approximately $341. Drivers with MetLife may save as much as $412 a year, and Travelers customers might realize rate reductions of up to $415 a year.
To find out how much you can save, click here to start your free quote or quote rates from the companies below.
These premiums are averaged across all drivers and vehicles in Georgia and and are not calculated with an exact zip code location for a Ford Fusion. So the company that fits your age and vehicle best may not even be in the list above. That emphasizes why you need to get rate quotes from many companies using your own driver information and specific vehicle type.
The example below highlights how deductible selection can change yearly insurance costs when trying to find cheap insurance for a Ford Fusion. Data assumes a married male driver, full physical damage coverage, and no discounts are applied to the premium.
The chart above illustrates that a 40-year-old driver could lower rates by $382 a year by increasing from a $100 deductible to a $500 deductible, or save $578 by selecting a $1,000 deductible. Youthful drivers, such as the Age 20 example, can save up to $1,278 or more just by using higher deductibles. When choosing a higher deductible, it's a good idea to have enough funds in savings to allow you to cover the extra out-of-pocket expense that is associated with using high deductibles.
Get discount Atlanta insurance rates
Insurance providers that offer cheap quotes for a Ford Fusion may additionally offer special discounts that can reduce rates by 25% or more if you meet certain criteria. Larger auto insurance companies and some of their more popular discounts are included below.
- State Farm may have discounts that include anti-theft, accident-free, multiple autos, good student, multiple policy, and safe vehicle.
- American Family offers premium reductions for air bags, accident-free, good driver, multi-vehicle, and bundled insurance.
- AAA discounts include education and occupation, multi-policy, AAA membership discount, multi-car, and good driver.
- GEICO includes discounts for multi-policy, five-year accident-free, defensive driver, membership and employees, and federal employee.
- Mercury Insurance offers discounts including good student, accident-free, ease of repair, good driver, multi-policy, and annual mileage.
- Farmers Insurance may offer discounts for homeowner, mature driver, bundle discounts, good student, alternative fuel, distant student, and early shopping.
- Progressive offers discounts for good student, online signing, homeowner, online quote discount, and continuous coverage.
The chart below compares auto insurance rates with and without discounts. The costs are based on a male driver, a clean driving record, no claims, Georgia state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with accident-free, defensive driving course, vehicle safety, multiple policy, marriage, and multiple vehicle discounts applied. With discounts applied, theamount saved on auto insurance for a Ford Fusion is 28% or $947.
How to find cheaper car insurance for a Ford Fusion
Below you'll find some of the better money-saving ideas that can help drivers buy low-cost car insurance.
- Raise your deductibles
- Drive vehicles with five-star safety ratings
- Buying home and auto together can help save money
- Save money by insuring older vehicles for liability only
- Frequent claims may make car insurance unaffordable
- Good credit scores may make rates cheaper
- Compare rates often to find the best deal
The last suggestion is extraordinarily valuable, as we emphasized in this piece. Prices charged by car insurance companies in Atlanta fluctuate constantly, so don't be hesitant to buy from a different company if a lower-cost policy is available.
Being loyal to a particular company is commendable, but is isn't recommended if that stubbornness costs you a wad of cash every year. In just a few minutes you could shop around and find cheaper auto insurance for a Ford Fusion.
The agents listed below can aid you in deciding which coverages and limits you need, as many people would rather get help from a professional when comparing insurance rates for a Fusion. It can be hard to find the best policy on your own, so insurance agents can add satisfaction knowing your coverage gives you sufficient coverage for your assets.
To locate an Atlanta insurance agent in your neighborhood, click the button at the bottom of the list.
Lisa Dobbs - State Farm Insurance Agent
2323 Cumberland Pkwy SE #101 - Atlanta, GA 30339 - (404) 365-8515
State Farm: Dave Simpson Jr
2240 Fairburn Rd SW - Atlanta, GA 30331 - (404) 344-9777
Allstate Insurance: Laura Leidigh
7 Lenox Pointe NE - Atlanta, GA 30324 - (404) 233-5650