Finding the cheapest insurance for a Ford Fusion hinges on many factors such as how old the vehicle is, if you have recent claims, and driving violations and tickets. Colorado drivers pay on average $1,324 annually to insure their Fusion, but that figure is calculated based on a 30-year-old married male driver with both comprehensive and collision coverage and $100 deductibles.
When estimating a car insurance rate like we just did, the issue is that you may not be 30 years old (or even male), maybe you are single instead of married, or maybe you want more liability coverage than is required by law in Colorado. Auto insurance is unique to each driver, so the way we recommend to find the most affordable coverage for your Ford is to do your own rate comparisons. Rate quotes are easy and you will receive price comparisons from some of the best insurers in Colorado.
The trim level of your Ford has an effect on the coverage cost, so the price to insure a Fusion S 4-Dr Sedan will cost $272 less than the insurance cost for the high end Fusion Sport AWD 4-Dr Sedan model, as shown below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Fusion S 4-Dr Sedan||$302||$546||$352||$20||$106||$1,326||$111|
|Fusion SE 4-Dr Sedan||$342||$644||$352||$20||$106||$1,464||$122|
|Fusion Hybrid 4-Dr Sedan||$342||$740||$440||$26||$132||$1,680||$140|
|Fusion SEL 4-Dr Sedan||$342||$644||$352||$20||$106||$1,464||$122|
|Fusion Sport 4-Dr Sedan||$342||$644||$352||$20||$106||$1,464||$122|
|Fusion SEL AWD 4-Dr Sedan||$380||$740||$352||$20||$106||$1,598||$133|
|Fusion Sport AWD 4-Dr Sedan||$380||$740||$352||$20||$106||$1,598||$133|
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Rates do not factor in the specific area where the vehicle is garaged which can raise or lower premium rates noticeably.
Ending up with the highest-rated insurance company can be challenging considering how many different companies sell coverage in Denver. The information in the lists below can help you decide which providers you want to consider comparing rates with.
The rankings below are only comprised of the largest auto insurers in America, so companies without a large exposure are not factored into this list. To get rate quotes from these and other companies in Colorado, click here.
Top 10 Major Auto Insurance Providers Overall in Denver
- American Family
- State Farm
- The Hartford
- AAA Insurance
- The General
- Titan Insurance
Full coverage versus liability-only
Finding cheaper insurance is probably important to the majority of vehicle owners, and one way to lower the cost of insurance for a Ford Fusion is to only pay for liability coverage. The example below illustrates the comparison of auto insurance rates with and without physical damage coverage. The price estimates are based on no claims or driving citations, $500 deductibles, drivers are not married, and no policy discounts are applied.
On average, physical damage insurance costs an extra $2,273 per year more than just buying liability insurance. A very common question is if you should buy full coverage at all. There is no definitive formula for excluding full coverage on your policy, but there is a general school of thought. If the annual cost of your full coverage insurance is 10% or more of replacement cost minus your deductible, then it could be time to drop full coverage.
There are some circumstances where removing full coverage is not in your best interest. If you still owe a portion of the original loan, you are required to maintain full coverage as part of the loan requirements. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should not eliminate full coverage.
The diagram below demonstrates how choosing different deductibles can influence premium costs when trying to find cheap insurance for a Ford Fusion. The data is based on a married male driver, full coverage, and no discounts are applied.
The data above shows that a 30-year-old driver could cut expenses by $378 a year by changing from a $100 deductible to a $500 deductible, or save $570 by using a $1,000 deductible. Even younger drivers, like the 20-year-old, could roll back prices up to $1,138 every year just by choosing larger deductibles. If you do decide to increase your deductibles, it is essential to have plenty of savings on hand to cover the extra out-of-pocket expense, which is the main drawback of higher deductibles.
Discounts on Denver car insurance
Insurance providers that offer coverage for a Ford Fusion could also offer premium discounts that could lower prices by as much as 35% if you are eligible to receive them. A list of insurance companies and some of the premium reductions they offer are:
- Esurance policyholders can earn discounts including Switch & Save, Pac-12 alumni, renters, paid-in-full, emergency road assistance, defensive driver, and multi-car.
- The Hartford offers premium reductions for air bag, vehicle fuel type, good student, anti-theft, and bundle.
- AAA may have discounts that include education and occupation, AAA membership discount, multi-policy, multi-car, pay-in-full, good driver, and anti-theft.
- GEICO offers discounts including federal employee, five-year accident-free, anti-theft, military active duty, emergency military deployment, and air bags.
- State Farm has savings for Drive Safe & Save, defensive driving training, driver’s education, good driver, multiple autos, and multiple policy.
The information below illustrates the difference between car insurance rates with and without some available policy discounts. The rates are based on a male driver, no claims or violations, Colorado state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows the average annual price with no discounts. The second shows the rates with marriage, vehicle safety, anti-theft, defensive driving course, claim-free, and accident-free discounts applied. When these discounts are applied, the average amount saved each year on insurance for a Ford Fusion is 28% or $661.