How many years has it been since you compared more competitive Ford Fusion insurance in Phoenix? If you are new to online price comparisons, most likely you are baffled by the crazy number of insurance providers who claim to have the best auto insurance rates.
It’s astonishing, but a large majority of drivers kept their coverage with the same auto insurance company for four years or more, and 38% of customers have never quoted auto insurance rates at all. With the average auto insurance premium being $1,847, American drivers could save an average of 47% each year by just comparing quotes, but they mistakenly think it’s difficult to compare other rate quotes.
It’s important to shop coverage around as often as possible since insurance prices tend to go up over time. Even if you got the lowest price on Ford Fusion insurance in Phoenix at your last renewal there may be better deals available now. Forget anything you know (or think you know) about auto insurance because you’re about to learn the proper way to save money, get proper deductibles and limits, all at the lowest rate.
If you already have coverage, you will surely be able to get lower rates using the concepts covered in this article. Our goal is to familiarize you with how car insurance works and some money-saving tips. Nevertheless, Arizona car owners benefit from understanding how insurance companies calculate their prices because rates fluctuate considerably.
Just keep in mind that comparing more rates from different companies will enable you to find the best rates.
The following companies are our best choices to provide quotes in Phoenix, AZ. If multiple companies are listed, we recommend you get prices from several of them in order to find the most affordable rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion S 4-Dr Sedan | $140 | $282 | $362 | $22 | $108 | $914 | $76 |
| Fusion SE 4-Dr Sedan | $262 | $460 | $300 | $18 | $90 | $1,130 | $94 |
| Fusion Hybrid 4-Dr Sedan | $124 | $276 | $352 | $20 | $106 | $878 | $73 |
| Fusion SEL 4-Dr Sedan | $158 | $332 | $362 | $22 | $108 | $982 | $82 |
| Fusion Sport 4-Dr Sedan | $138 | $298 | $338 | $20 | $102 | $896 | $75 |
| Fusion SEL AWD 4-Dr Sedan | $282 | $518 | $306 | $18 | $92 | $1,216 | $101 |
| Fusion Sport AWD 4-Dr Sedan | $250 | $524 | $282 | $16 | $84 | $1,156 | $96 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Price information does not factor in garaging location in Phoenix which can raise or lower price quotes greatly.
Physical damage deductibles
The illustration below shows how choosing a deductible and can increase or decrease Ford Fusion yearly insurance costs for different age groups. The price estimates are based on a married male driver, comprehensive and collision coverage, and no other discounts are factored in.
An analysis of deductible level
A question often asked by Phoenix drivers is how high should the physical damage deductibles be. The data tables below highlight the rate fluctuation when you select higher and lower physical damage coverage deductibles. The first data set uses a $100 deductible and the second set of rates uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion S 4-Dr Sedan | $258 | $466 | $300 | $18 | $90 | $1,157 | $96 |
| Fusion SE 4-Dr Sedan | $292 | $548 | $300 | $18 | $90 | $1,273 | $106 |
| Fusion Hybrid 4-Dr Sedan | $292 | $632 | $374 | $22 | $112 | $1,457 | $121 |
| Fusion SEL 4-Dr Sedan | $292 | $548 | $300 | $18 | $90 | $1,273 | $106 |
| Fusion Sport 4-Dr Sedan | $292 | $548 | $300 | $18 | $90 | $1,273 | $106 |
| Fusion SEL AWD 4-Dr Sedan | $324 | $632 | $300 | $18 | $90 | $1,389 | $116 |
| Fusion Sport AWD 4-Dr Sedan | $324 | $632 | $300 | $18 | $90 | $1,389 | $116 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion S 4-Dr Sedan | $144 | $246 | $300 | $18 | $90 | $798 | $67 |
| Fusion SE 4-Dr Sedan | $162 | $290 | $300 | $18 | $90 | $860 | $72 |
| Fusion Hybrid 4-Dr Sedan | $162 | $334 | $374 | $22 | $112 | $1,004 | $84 |
| Fusion SEL 4-Dr Sedan | $162 | $290 | $300 | $18 | $90 | $860 | $72 |
| Fusion Sport 4-Dr Sedan | $162 | $290 | $300 | $18 | $90 | $860 | $72 |
| Fusion SEL AWD 4-Dr Sedan | $180 | $334 | $300 | $18 | $90 | $922 | $77 |
| Fusion Sport AWD 4-Dr Sedan | $180 | $334 | $300 | $18 | $90 | $922 | $77 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Estimates do not factor in your specific Phoenix location which can modify prices substantially.
Using the premium rates above, we can conclude that using a $100 deductible will cost in the ballpark of $36 more each month or $432 for a full year than quoting the higher $1,000 deductible. Because you would be required to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you normally go at least 25 months between claim filings, you would probably be better off by selecting a higher deductible. Here is the way you can make your own decision.
| Average monthly premium for $100 deductibles: | $110 |
| Average monthly premium for $1,000 deductibles (subtract): | – $74 |
| Monthly savings from raising deductible: | $36 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $36 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 25 months |
One thing to note is that increasing deductibles to lower your rates results in more money out-of-pocket when you have a comprehensive or collision claim. You need enough disposable savings in the event you have to pay the deductible to have repairs made.
Affordable rates on Ford Fusion insurance in Phoenix with these eight insurance discounts
Auto insurance companies don’t always advertise every policy discount very well, so here is a list some of the best known and the harder-to-find discounts you could be receiving when you buy Phoenix auto insurance online.
- Discounts for Responsible Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates as compared to drivers with claims.
- Phoenix Homeowners Pay Less – Simply owning a home can save a few bucks since owning and maintaining a home shows financial diligence.
- Defensive Driver Discounts – Passing a course teaching safe driver skills could earn you a small percentage discount and easily recoup the cost of the course.
- Military Discounts – Having a deployed family member can result in better premium rates.
- Membership in Organizations – Participating in qualifying employment or professional organizations could trigger savings on your policy.
- Distant Student – Older children who live away from home to go to college and do not have access to a covered vehicle may be able to be covered for less.
- Passive Restraints and Air Bags – Options like air bags or automatic seat belts can qualify for discounts of 25 to 30%.
- Driving Data Discount – People who choose to allow their insurance company to study vehicle usage through the use of a telematics system such as Progressive’s Snapshot could see a rate decrease as long as they are good drivers.
One thing to note about discounts is that most discounts do not apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. Even though the math looks like you can get free auto insurance, nobody gets a free ride.
A list of companies and a partial list of their discounts are detailed below.
- State Farm may have discounts that include Steer Clear safe driver discount, passive restraint, multiple autos, driver’s education, and good student.
- Liberty Mutual policyholders can earn discounts including teen driver discount, newly retired, newly married, exclusive group savings, and new graduate.
- American Family includes discounts for mySafetyValet, early bird, bundled insurance, good student, and TimeAway discount.
- Progressive has discounts for online quote discount, good student, homeowner, multi-policy, and online signing.
- Farmers Insurance discounts include electronic funds transfer, homeowner, distant student, bundle discounts, teen driver, and youthful driver.
- Auto-Owners Insurance offers premium reductions for paid in full, air bags, safe vehicle, company car, and safe driver.
- SAFECO may offer discounts for anti-lock brakes, safe driver, multi-car, teen safety rewards, homeowner, anti-theft, and bundle discounts.
Before you buy a policy, ask every company which discounts you may be entitled to. Savings might not apply in Phoenix.
Exclusive or independent insurance agents
A lot of people just want to talk to an insurance agent and that is a smart decision The biggest benefit of getting free rate quotes online is the fact that drivers can get cheap car insurance rates but still work with a licensed agent.
After filling out this simple form, your insurance data is immediately sent to local insurance agents who will give competitive quotes to get your business. You don’t have to contact any agents because prices are sent directly to your email. You’ll get the best rates AND an agent nearby. If you need to compare prices from a particular provider, feel free to visit that company’s website and submit a quote form there.
Finding the right company requires more thought than just a cheap price quote. Ask your prospective agent these questions:
- Which companies can they place coverage with?
- If they are an independent agency in Phoenix, which companies do they recommend?
- Can you choose the body shop in case repairs are needed?
- Can you contact them at any time?
- How would your car be valued if totalled?
- What kind of financial rating does the company have?
- Are they involved in claim handling?
The different types of auto insurance agents
When looking for a good insurance agency, it helps to know the two types of insurance agents that you can choose from. Agencies in Phoenix can be described as either exclusive or independent.
Exclusive Car Insurance Agencies
These agents can usually just insure with one company and examples are State Farm, AAA, Farmers Insurance or Allstate. These agents are not able to provide rate quotes from other companies so they have no alternatives for high prices. Exclusive agents are well trained on what they offer which helps them sell on service rather than price. Drivers often use the same exclusive agent partially due to the brand and the convenience of having all coverages with one company.
Listed below is a short list of exclusive agents in Phoenix who may provide you with price quotes.
- Lula Smith – State Farm Insurance Agent
7217 S Central Ave – Phoenix, AZ 85042 – (602) 232-0793 – View Map - American Family Insurance – Luke Shafer
1717 E Bell Rd #7 – Phoenix, AZ 85022 – (602) 788-5359 – View Map - Marcella Busto – State Farm® Insurance Agent
3401 N 32nd St B – Phoenix, AZ 85018 – (602) 955-5450 – View Map
Independent Car Insurance Agencies
Independent agencies often have many company appointments so they have the ability to put coverage with many different companies enabling the ability to shop coverage around. If your premiums go up, they simply move the coverage in-house and you can keep the same agent. If you need lower rates, we recommend you include independent agents to get the best comparison. Most also have access to small regional insurance companies which could offer lower prices.
The following is a short list of independent agents in Phoenix that can give you rate quotes.
- Fasula Kaplan Insurance Agency
11022 N 28th Dr Suite 125 – Phoenix, AZ 85029 – (602) 564-0880 – View Map - Daniels Nicolson Insurance Agency, Inc
4411 N 19th Ave – Phoenix, AZ 85015 – (800) 972-1893 – View Map - Oasis Insurance
317 N 19th Ave – Phoenix, AZ 85009 – (602) 233-5500 – View Map
After talking to the agent and getting positive responses to any questions you have and a good coverage price, most likely you have located a car insurance agent that will provide car insurance coverage.
You are unique and your car insurance should be too
When selecting your policy, there really is not a one-size-fits-all type of policy. Your financial needs are unique so this has to be addressed.
Here are some questions about coverages that can aid in determining if your situation could use an agent’s help.
- Do I have coverage when using my vehicle for my home business?
- When should I not buy collision coverage?
- Is my ex-spouse still covered by my policy?
- Should I buy full coverage?
- Am I covered when driving on a suspended license?
- How high should my uninsured/underinsured coverage be in Arizona?
- Which companies will insure me after a DUI?
- Does my Ford Fusion qualify for pleasure use?
If you don’t know the answers to these questions then you might want to talk to an agent. To find an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area.
Choosing Fusion insurance is an important decision
Despite the fact that car insurance is not cheap in Phoenix, insuring your vehicle may be required for several reasons.
First, almost all states have mandatory liability insurance requirements which means you are required to buy a specific minimum amount of liability insurance in order to drive the car legally. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you bought your Ford Fusion with a loan, most banks will force you to have comprehensive coverage to ensure the loan is repaid in case of a total loss. If coverage lapses or is canceled, the bank may insure your Ford at an extremely high rate and force you to reimburse them the higher premium.
Third, car insurance preserves not only your car but also your financial assets. It will also reimburse you for medical expenses for you, any passengers, and anyone injured in an accident. Liability insurance also covers legal expenses in the event you are sued. If damage is caused by hail or an accident, comprehensive and collision coverage will pay to restore your vehicle to like-new condition.
The benefits of insuring your Fusion are definitely more than the cost, especially with large liability claims. An average driver in America is currently overpaying as much as $830 a year so smart consumers compare quotes at least once a year to ensure rates are competitive.
Educate yourself about auto insurance coverages
Having a good grasp of a auto insurance policy can help you determine which coverages you need at the best deductibles and correct limits. Auto insurance terms can be ambiguous and coverage can change by endorsement. These are typical coverages available from auto insurance companies.
Coverage for uninsured or underinsured drivers
This protects you and your vehicle when the “other guys” do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.
Since a lot of drivers have only the minimum liability required by law (which is 15/30/10), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.
Auto collision coverage
Collision insurance pays to fix your vehicle from damage resulting from a collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for things like sideswiping another vehicle, colliding with another moving vehicle, damaging your car on a curb and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from older vehicles. Another option is to choose a higher deductible on your Fusion to get cheaper collision coverage.
Liability auto insurance
This will cover damage that occurs to a person or their property in an accident. This coverage protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 15/30/10 which stand for $15,000 bodily injury coverage, a limit of $30,000 in injury protection per accident, and a total limit of $10,000 for damage to vehicles and property.
Liability coverage protects against claims like emergency aid, medical services and legal defense fees. How much coverage you buy is your choice, but you should buy as high a limit as you can afford. Arizona requires drivers to carry at least 15/30/10 but it’s recommended drivers buy more coverage.
Coverage for medical expenses
Med pay and PIP coverage reimburse you for immediate expenses like hospital visits, prosthetic devices and chiropractic care. They are often utilized in addition to your health insurance plan or if you do not have health coverage. They cover you and your occupants in addition to getting struck while a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage
Comprehensive auto insurance
Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers claims like damage from flooding, falling objects and a broken windshield. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
One last note
We just showed you a lot of information how to lower your Ford Fusion insurance premium rates in Phoenix. The key thing to remember is the more quotes you get, the higher the chance of saving money. You may even be surprised to find that the lowest premium rates are with a lesser-known regional company. These companies can often provide lower prices in certain areas than their larger competitors like Allstate or State Farm.
When buying insurance coverage, do not reduce coverage to reduce premium. In too many instances, an insured cut collision coverage only to regret that they should have had better coverage. The goal is to get the best coverage possible at the best possible price, but do not skimp to save money.
Additional insurance information can be read at these links:
- Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)
- Who Has Affordable Auto Insurance for Young Drivers in Phoenix? (FAQ)
- Property Damage Coverage (Liberty Mutual)
- Teen Driver Statistics (Insurance Information Institute)
- Auto Insurance Facts and Statistics (Insurance Information Institute)
- Car Insurance: When not to Skimp (BankRate.com)