Who Has the Cheapest Auto Insurance Quotes for a Ford Fusion in Colorado Springs?

Buying cheap coverage for a Ford Fusion is fairly easy, but it hinges on a large number of factors such as how you use your Fusion, if you have a tendency to file claims, and your choice of deductibles. Drivers will pay on average $1,012 each year to insure their Fusion, but that is a valuation using a 40-year-old married male driver with full physical damage coverage and $500 deductibles.

But there is a good chance that you are not 40 and maybe not even a male, single instead of married, or maybe you rent instead of own your home. There is no perfect policy for every driver, so the best method for finding cheap insurance rates for your Ford is to just take the time to compare rates yourself.

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The trim level of your Fusion will be a contributing factor to the coverage cost, so the rate you will pay to insure a Fusion S 4-Dr Sedan trim level will be $172 cheaper than the price to insure the fancier Fusion Sport AWD 4-Dr Sedan model, as shown in the table below.

Table data represents married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Premium amounts do not factor in your specific Colorado Springs location which can affect prices substantially.

Finding a good quality insurer is difficult considering how many different companies there are to choose from in Colorado Springs. The company information shown below can help you analyze which car insurance providers to look at when comparing auto insurance rates for a Ford Fusion. These ratings include companies that insure vehicles across America, so smaller regional companies will not be included in the list.

Top 10 Major Auto Insurance Companies in Colorado Springs Ranked by A.M. Best Rating

1. USAA – A++
2. Travelers – A++
3. State Farm – A++
4. GEICO – A++
5. Esurance – A+
6. Nationwide – A+
7. Allstate – A+
8. Progressive – A+
9. Titan Insurance – A+
10. The Hartford – A+

Top 10 Major Auto Insurance Companies in Colorado Springs Ranked by Claims Service

1. State Farm
2. Esurance
3. AAA Insurance
4. Progressive
5. Liberty Mutual
6. GEICO
7. Allstate
8. Titan Insurance
9. The Hartford
10. The General

How to get discounts on Colorado Springs insurance rates

Insurers that sell policies for a Ford Fusion may have special discounts that can lower rates by 35% or more if you qualify. Larger auto insurance companies and some of the discounts are:

• Farmers Insurance has discounts for business and professional, teen driver, bundle discounts, homeowner, distant student, mature driver, and good student.
• Esurance may include discounts for anti-theft, paid-in-full, good driver, Pac-12 alumni, DriveSense, and online quote.
• State Farm policyholders can earn discounts including multiple autos, Steer Clear safe driver discount, student away at school, driver’s education, good student, and defensive driving training.
• GEICO may have discounts that include federal employee, military active duty, membership and employees, anti-lock brakes, multi-policy, driver training, and five-year accident-free.
• Allstate offers discounts including good student, resident student, anti-theft, auto/life discount, and senior citizen.

The illustration below shows the comparison of insurance rates with and without discounts applied to the rates. The data assumes a female driver, a clean driving record, no claims, Colorado state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with homeowner, multiple vehicle, multiple policy, safe-driver, accident-free, and claim-free discounts applied. When discounts are applied, theamount saved on auto insurance for a Ford Fusion is 28% or $591.

Shop around and save

Colorado Springs, CO auto insurance rates are influenced by many factors which can substantially decrease or increase the price of your policy. Simply having a birthday, buying a home, or getting a ticket for running a stop sign can trigger changes in premium that can make some companies more affordable than competitors. And not only may your rating factors change, but car insurance companies change rates as often as every three months to ensure their profitability. Higher than normal claims can cause a rate increase, while better underwriting can produce cheaper Fusion insurance rates.

The bar chart below shows which company has the cheapest car insurance in Colorado Springs, CO for a 45-year-old male driver with no prior accidents, a clean driving record, and great credit. If we look at prices based on his personal risk profile, The Hartford may have the cheapest car insurance rates in Colorado Springs at $1,038 per year. This is $540 less than the average premium paid by Colorado drivers of $1,578. Grange, USAA, Nationwide, and Auto-Owners are the remainder of the most affordable Colorado Springs, CO auto insurance companies.

Now we will give the driver in the first chart an accident claim, bad credit, and a couple of points charged on his driving record. Because each insurer uses their own calculation for setting prices, getting updated rate quotes could now result in a significantly different list of affordable Colorado Springs car insurance companies as shown below.

State Farm now has the cheapest price in Colorado Springs with Travelers, Grange, American Family, and Progressive also having competitive pricing. This example illustrates why it is critical to perform an extensive rate comparison to get the most budget-friendly insurance rates for a Ford Fusion.

Insurance rates are determined by many risk factors and change substantially, so the best option two years ago may now be priced much higher than other options.

If you have coverage questions and would like to have professional advice when shopping for the best coverage for a Fusion, the agencies below can probably help you determine which coverages are best. To find an agent nearest to you, click the link after the list.

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