Ford Fusion Insurance Quotes in Colorado Springs

Insurance quote for Ford Fusion in Colorado SpringsHow long has it been since you compared quotes for more competitive Ford Fusion insurance in Colorado Springs? I really doubt anyone looks forward to paying premiums for insurance, especially when it costs too dang much.

It’s an obvious assumption that car insurance companies want to keep you from shopping around. Consumers who get price comparisons are highly likely to buy a different policy because there is a significant possibility of finding a more affordable policy premium. A recent insurance study discovered that drivers who routinely shopped around saved about $3,400 over four years as compared to drivers who never compared rates.

If finding the lowest rates on car insurance is the reason you’re here, knowing how to quote and compare insurance coverage can help you be more efficient. Companies like State Farm, Farmers Insurance, GEICO and Allstate all claim big savings with advertising and it is challenging if not impossible to separate fact from fiction and do the work needed to find the best deal.

Low Cost companies for Ford Fusion insurance in Colorado

The following companies can provide free rate quotes in Colorado. To get cheap auto insurance in CO, we suggest you click on several of them to find the most competitive auto insurance rates.

Statistics and details

The rate information below highlights estimates of insurance prices for Ford Fusion models. Having a better understanding of how insurance prices are established can help customers make informed decisions when comparing rate quotes.

Ford Fusion Insurance Rates in Colorado Springs, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $172 $314 $338 $20 $100 $944 $79
Fusion SE 4-Dr Sedan $194 $370 $338 $20 $100 $1,022 $85
Fusion Hybrid 4-Dr Sedan $194 $426 $422 $24 $126 $1,192 $99
Fusion SEL 4-Dr Sedan $194 $370 $338 $20 $100 $1,022 $85
Fusion Sport 4-Dr Sedan $194 $370 $338 $20 $100 $1,022 $85
Fusion SEL AWD 4-Dr Sedan $216 $426 $338 $20 $100 $1,100 $92
Fusion Sport AWD 4-Dr Sedan $216 $426 $338 $20 $100 $1,100 $92
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Table data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Price estimates do not factor in vehicle location which can alter insurance rates greatly.

How high should deductibles be?

One of the most common auto insurance questions is which deductible level should you buy. The figures shown below illustrate the cost difference when you buy lower versus higher policy deductibles. The first rate estimation uses a $100 deductible for comp and collision and the second set of rates uses a $500 deductible.

Ford Fusion insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $302 $546 $352 $20 $106 $1,351 $113
Fusion SE 4-Dr Sedan $342 $644 $352 $20 $106 $1,489 $124
Fusion Hybrid 4-Dr Sedan $342 $740 $440 $26 $132 $1,705 $142
Fusion SEL 4-Dr Sedan $342 $644 $352 $20 $106 $1,489 $124
Fusion Sport 4-Dr Sedan $342 $644 $352 $20 $106 $1,489 $124
Fusion SEL AWD 4-Dr Sedan $380 $740 $352 $20 $106 $1,623 $135
Fusion Sport AWD 4-Dr Sedan $380 $740 $352 $20 $106 $1,623 $135
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Ford Fusion insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $220 $368 $352 $20 $106 $1,066 $89
Fusion SE 4-Dr Sedan $250 $434 $352 $20 $106 $1,162 $97
Fusion Hybrid 4-Dr Sedan $250 $500 $440 $26 $132 $1,348 $112
Fusion SEL 4-Dr Sedan $250 $434 $352 $20 $106 $1,162 $97
Fusion Sport 4-Dr Sedan $250 $434 $352 $20 $106 $1,162 $97
Fusion SEL AWD 4-Dr Sedan $278 $500 $352 $20 $106 $1,256 $105
Fusion Sport AWD 4-Dr Sedan $278 $500 $352 $20 $106 $1,256 $105
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Price information does not factor in zip code location which can raise or lower premium rates significantly.

Using the data above, we can ascertain that using a $100 deductible could cost the average driver approximately $28 more each month or $336 a year than choosing the higher $500 deductible. Because you would pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you usually have at a minimum 14 months between claim filings, you would come out ahead if you choose a higher deductible.

How to calculate if a higher deductible is a good decision

Average monthly premium for $100 deductibles: $128
Average monthly premium for $500 deductibles (subtract): – $100
Monthly savings from raising deductible: $28
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $28
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 14 months

The illustration below highlights how deductible choice and can influence Ford Fusion premium costs for different insured age categories. The data is based on a single female driver, comp and collision included, and no additional discounts are factored in.

Ford Fusion full coverage rates compared to liability only

The diagram below shows the difference between Ford Fusion premium costs with and without full coverage. The premiums assume no violations or claims, $250 deductibles, drivers are not married, and no discounts are factored in.

When to drop full coverage

There is no clear-cut rule for eliminating physical damage insurance, but there is a general school of thought. If the annual cost of having full coverage is about 10% or more of the replacement cost minus the deductible, then you may need to consider dropping full coverage.

For example, let’s say your Ford Fusion claim settlement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would get paid by your company is $2,000 after paying your policy deductible. If it’s costing you more than $200 a year for comprehensive and collision coverage, then it’s probably a good time to buy liability coverage only.

There are some conditions where buying only liability insurance is not financially feasible. If you haven’t paid off your loan, you have to carry full coverage in order to prevent your loan from defaulting. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should not eliminate full coverage.

Colorado Springs insurance discounts for a Ford Fusion

Not too many consumers would say car insurance is affordable, but there are discounts available that can dramatically reduce your bill. Certain credits will be shown when you complete an application, but a few must be asked for before they will apply.Car insurance discounts

A little disclaimer on discounts, most discounts do not apply to all coverage premiums. Most cut specific coverage prices like liability, collision or medical payments. So despite the fact that it appears all those discounts means the company will pay you, you’re out of luck.

The diagram below compares Ford Fusion premium costs with and without discounts applied to the policy rates. 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 premium with no discounts. The second shows the rates with safe-driver, homeowner, claim-free, marriage, multi-policy, and multi-car discounts applied.

A list of companies and a summarized list of policyholder discounts include:

Check with each insurance company the best way to save money. Savings might not be offered in your area. To view car insurance companies who offer car insurance discounts in Colorado Springs, click this link.

Get Ford Fusion Insurance at a Discount

When buying insurance it’s important to understand some of the elements that help calculate insurance rates. When consumers understand what determines premiums, this helps enable you to make changes that may reward you with better insurance rates. Many things are part of the equation when premium rates are determined. A few of the factors are predictable like an MVR report, but other criteria are more obscure such as your marital status or your financial responsibility.

When in doubt talk to an agent

Always keep in mind that when comparing proper insurance coverage for your vehicles, there is no perfect coverage plan. Each situation is unique and your car insurance should be unique as well.Drive safe and save
These are some specific questions might point out if your situation will benefit from professional help.

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier It’s fast, free and can help protect your family.

Local Colorado Springs insurance agencies

Many drivers would prefer to get professional advice from a licensed agent and that is a smart decision Professional insurance agents can help determine the best coverages and help file insurance claims. One of the best bonuses of getting online price quotes is the fact that drivers can get the best rates and still have a local agent.

Upon completion of this quick form, the quote information is emailed to local insurance agents in Colorado Springs who can give free rate quotes to get your business. It’s much easier because you don’t need to visit any agencies because quoted prices will be sent directly to you. If you wish to quote rates from a specific company, feel free to visit that company’s website and fill out the quote form the provide.

Picking an insurance company should include more criteria than just the premium amount. Before buying a policy in Colorado Springs, get answers to these questions.

If you are searching for a good Colorado Springs insurance agent, you need to know there are two types of insurance agents and how they can service your needs differently. Insurance agencies are categorized either exclusive agents or independent agents. Either can properly insure your vehicles, but it is a good idea to know the difference in how they write coverage because it can impact which type of agent you select.

Exclusive Insurance Agents

These type of agents normally can only provide a single company’s rates and some examples include AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agencies are unable to shop your coverage around so it’s a take it or leave it situation. Exclusive agents are usually quite knowledgeable on sales techniques which helps offset the inability to provide other markets.

The following is a short list of exclusive insurance agents in Colorado Springs that can give you comparison quotes.

1283 Kelly Johnson BlvdColorado Springs, CO 80920(719) 471-6777View Map

5731 Silverstone Terrace #120Colorado Springs, CO 80919(719) 268-9003View Map

3993 Academy Blvd NColorado Springs, CO 80917(719) 596-8800View Map

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Independent Agents (or Brokers)

Agents of this type are not restricted to one company so as a result can place your coverage through many companies and get you the best rates possible. If they find a cheaper price, your agent can just switch to a different company and that require little work on your part. When comparing rate quotes, it’s recommended you compare quotes from several independent agencies to have the best price comparison.

The following are independent agencies in Colorado Springs that can give you comparison quotes.

3630 Sinton Rd # 200Colorado Springs, CO 80907(719) 590-9990View Map

6455 N Union Blvd #104Colorado Springs, CO 80918(303) 974-7676View Map

1880 Dublin Blvd # CColorado Springs, CO 80918(719) 528-1555View Map

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After talking to the agent and getting positive responses to all your questions as well as the cheapest Ford Fusion insurance in Colorado Springs quotes, it’s a good possibility that you have found an insurance agent that can be trusted to provide insurance coverage.

Insurance savings summarized

We’ve covered some good ideas how to compare Ford Fusion insurance prices in Colorado Springs. It’s most important to understand that the more you quote Colorado Springs car insurance, the better your chances of lowering your rates. Consumers may even find the best prices are with the smaller companies. Regional companies may only write in your state and offer lower rates compared to the large companies like State Farm or Progressive.

When you buy Colorado Springs car insurance online, never skimp on critical coverages to save a buck or two. There are a lot of situations where an insured cut liability limits or collision coverage only to regret that the small savings ended up costing them much more. Your strategy should be to buy the best coverage you can find for the lowest cost but still have enough coverage for asset protection.

How to quote cheaper Ford Fusion insurance in Colorado Springs

If saving money is your primary concern, then the best way to get the cheapest Ford Fusion insurance is to compare prices annually from companies in Colorado Springs.

  1. Try to learn a little about car insurance and the steps you can take to prevent high rates. Many rating factors that are responsible for high rates such as accidents, traffic tickets, and a substandard credit history can be rectified by making minor driving habit or lifestyle changes.
  2. Compare prices from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only quote rates from one company like GEICO and Allstate, while independent agencies can provide prices from multiple sources. View prices
  3. Compare the new rates to the price on your current policy to see if cheaper Fusion coverage is available in Colorado Springs. If you find a better price and make a switch, make sure the effective date of the new policy is the same as the expiration date of the old one.

One key aspect of rate comparisons is to try to use the same liability limits and deductibles on each price quote and and to get price quotes from every insurance company. Doing this guarantees a fair rate comparison and the best price selection.

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