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.
It’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.
| 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 |
| Get Your Own Custom Quote Go | |||||||
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.
| 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 |
| Get Your Own Custom Quote Go | |||||||
| 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.
- Fewer Miles Equal More Savings – Driving less may enable drivers to earn better premium rates on cars that stay parked.
- Multiple Cars – Drivers who insure multiple cars on the same car insurance policy may reduce the rate for each vehicle.
- Defensive Driver Discount – Taking a class that teaches defensive driving techniques could save 5% or more and make you a better driver.
- Good Driver Discount – Drivers without accidents can get discounts for up to 45% lower rates compared to accident prone drivers.
- Discounts for New Vehicles – Buying coverage on a new vehicle can be considerably cheaper because new vehicles have to meet stringent safety requirements.
- Lower Rates for Military – Having a deployed family member may lower your rates slightly.
- No Claims – Drivers who don’t have accidents get the best car insurance rates compared to drivers who are more careless.
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.
- State Farm offers premium reductions for safe vehicle, multiple autos, good driver, driver’s education, and student away at school.
- American Family has savings for good driver, defensive driver, Steer into Savings, mySafetyValet, good student, TimeAway discount, and multi-vehicle.
- GEICO includes discounts for multi-policy, five-year accident-free, defensive driver, federal employee, military active duty, anti-lock brakes, and seat belt use.
- 21st Century offers discounts for good student, defensive driver, homeowners, driver training, student driver, automatic seat belts, and teen driver.
- Progressive may offer discounts for homeowner, online quote discount, good student, multi-policy, online signing, and multi-vehicle.
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 majority of states have compulsory liability insurance requirements which means it is punishable by state law to not carry a minimum amount of liability in order to be legal. In Michigan these limits are 20/40/10 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you have a loan on your Fusion, it’s most likely the lender will have a requirement that you have physical damage coverage to guarantee payment of the loan. If you let the policy lapse, the bank or lender will purchase a policy for your Ford at a much higher rate and force you to reimburse them a much higher amount than you were paying before.
- Auto insurance protects not only your car but also your financial assets. Insurance will also pay for medical expenses for not only you but also any passengers injured in an accident. One policy coverage, liability insurance, also covers legal expenses if anyone sues you for causing an accident. If mother nature or an accident damages your car, comprehensive and collision coverage will pay to have it repaired.
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.
Premier Insurance
16119 W Warren Ave – Detroit, MI 48228 – (313) 582-1500 – View Map
Look Insurance Detroit Southwest Agency
6724 Michigan Ave – Detroit, MI 48210 – (313) 899-3194 – View Map
Clark Insurance Agency
2711 E Jefferson Ave #206 – Detroit, MI 48207 – (313) 259-6600 – View Map
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 #112 – Detroit, MI 48202 – (313) 873-3334 – View Map
Charlotte Knight – State Farm Insurance Agent
7100 W Seven Mile Rd – Detroit, MI 48221 – (313) 340-9000 – View Map
Angela Hughes – State Farm Insurance Agent
14511 W McNichols Rd – Detroit, MI 48235 – (313) 862-7800 – View Map
Selecting an auto insurance agent should include more criteria than just a cheap price. Agents should be asked these questions:
- If you have an accident, will your rates go up?
- Will they give you a referral list?
- Do they get extra compensation for selling add-on coverages?
- What insurance company do they write the most business with?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- When do they do a full risk review?
- Are they primarily personal or commercial lines agents in Detroit?
- Are they full-time agents?