Buying competitive insurance for a Ford Fusion in Wisconsin is pretty easy for most people, but it hinges on many rating factors such as how old the vehicle is, whether or not you garage your vehicle, and physical damage deductibles. Drivers pay on average $688 annually to insure their Fusion, but that figure is a valuation using a 30-year-old married male driver with full comprehensive and collision coverage and $500 deductibles.
This brings up the issue that more than likely you’re not a 30-year-old male, possibly single instead of married, and you want different coverage limits than the example. Even a minor change in the rating criteria used to formulate rates may result in a big change in how much insurance for a Ford Fusion costs.
Car insurance coverage is unique to each driver, so this is why the way we recommend to find the most affordable coverage for your Ford is to do your own rate comparisons.
The trim level of your Ford tends to impact the insurance rate, so the price you will be charged to insure a Fusion S 4-Dr Sedan model will be $124 lower than the insurance cost for the more expensive Fusion Sport AWD 4-Dr Sedan model, as demonstrated by the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Fusion S 4-Dr Sedan||$144||$242||$230||$14||$68||$698||$58|
|Fusion SE 4-Dr Sedan||$164||$284||$230||$14||$68||$760||$63|
|Fusion Hybrid 4-Dr Sedan||$164||$328||$288||$18||$86||$884||$74|
|Fusion SEL 4-Dr Sedan||$164||$284||$230||$14||$68||$760||$63|
|Fusion Sport 4-Dr Sedan||$164||$284||$230||$14||$68||$760||$63|
|Fusion SEL AWD 4-Dr Sedan||$182||$328||$230||$14||$68||$822||$69|
|Fusion Sport AWD 4-Dr Sedan||$182||$328||$230||$14||$68||$822||$69|
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Wisconsin minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Prices do not factor in your specific Milwaukee location which can raise or lower coverage rates considerably.
Determining which company has the lowest-priced auto insurance rates for a Ford Fusion may require more work than just comparing a company or two. Every insurance provider has their own guidelines for setting prices, so let’s examine the lowest cost auto insurance companies in Milwaukee, WI.
It’s a good idea to be aware that Wisconsin auto insurance rates are determined by lots of factors that may substantially change the price of your policy. Simply improving your credit, getting divorced, or getting caught speeding may prompt premium changes that can make some companies cheaper than others.
Find the Best Cheap Insurance for Your Fusion
USAA quotes some of the most affordable car insurance rates in Milwaukee at around $598 annually. Partners Mutual, Erie, Rockford Mutual, and Nationwide also qualify as some of the cheapest Milwaukee, WI insurance companies.
As shown in the rates above, if you are a customer of Partners Mutual and switched to USAA, you may realize a yearly savings of roughly $28. Policyholders with Erie might save as much as $119 a year, and Rockford Mutual customers might lower prices by $126 a year.
Be aware that those prices are averaged across all types of insureds and vehicles and and are not calculated with an exact location for a Ford Fusion. So the auto insurance company that fits you best may not even be in the top 30 companies shown above. That points out the importance of why you need to get quotes using your own driver data and vehicle information.
How violations and accidents impact rates
The common sense way to obtain the best auto insurance rates for a Fusion is to be a careful driver and avoid accidents and traffic citations. The information below illustrates how traffic citations and at-fault accidents can drive up insurance costs for different age groups. The information is based on a married female driver, comp and collision included, $250 deductibles, and no discounts are taken into consideration.
The data charted above shows the average cost of an auto insurance policy per year with no accidents and a clean driving record is $1,309. Get written up for two speeding tickets and the average cost swells to $1,865, an increase of $557 each year. Now throw in two accidents along with the two speeding tickets and the yearly cost of auto insurance for a Ford Fusion increases to an average of $3,771. That’s an increase of $2,462, or $205 per month, just for not maintaining a clean driving record!
Full coverage versus liability-only in Milwaukee
Saving on auto insurance is the goal of the majority of vehicle owners, and a great way to reduce the cost of insurance for a Ford Fusion is to only buy liability coverage. The chart below shows the difference between auto insurance costs when comparing full coverage to liability only. The price estimates are based on a clean driving record, no claims, $1,000 deductibles, drivers are single, and no discounts are applied.
If averaged out across all ages, physical damage insurance costs an additional $1,230 per year over and above liability only. Many of you may wonder when is it a good idea to stop buying full coverage. There is no set guideline that is best for determining when to drop physical damage coverage, but there is a guideline you can consider. If the annual cost of having full coverage is more than around 10% of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.
For example, let’s assume your vehicle’s book value is $9,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most your company would pay you is $8,000 after paying your policy deductible. If it’s costing in excess of $800 annually for comprehensive and collision coverage, then it might be time to buy liability only.
Here’s why you should compare rates often
Milwaukee, WI auto insurance rates are based on many factors that may substantially change the cost of a policy. Improving your credit score, moving to a new city, or getting caught speeding can trigger price changes that can cause some rates to be much cheaper than others.
Not only may your situation change, but car insurance companies change their prices as often as every three months to help ensure profitability. Higher than normal claims may cause increased policy costs, while better underwriting may result in lower-priced Fusion insurance rates.
For example, the chart below shows which companies have the cheapest car insurance in Milwaukee, WI for a 35-year-old female driver with a good driving record, no prior claims, and a decent credit rating. If we look at prices based on her current rating profile, USAA has the most affordable car insurance rates in Milwaukee at $867 per year. This is $294 less than the average premium paid by Wisconsin drivers of $1,161. Partners Mutual, Erie, Rockford Mutual, and Nationwide round out the rest of the top five cheapest Milwaukee, WI auto insurance companies.
Now we will pretend the driver from the above example a couple of claims, slightly worse credit, and a couple of points charged on her driving record. Because each insurer has their own formula for determining rates, comparing quotes may now present a substantially altered list of affordable companies as shown below.
Rural Mutual Insurance now has the cheapest rate in Milwaukee, WI with Integrity Mutual, Western National, Travelers, and West Bend Mutual also having competitive pricing. This shows why it is critical to compare lots of rates when trying to get the best insurance rates for a Ford Fusion. Auto insurance prices can be altered by many things and can increase or decrease at any time, so the cheapest option the last time you shopped your coverage around may now be quite expensive.
Ideas for buying budget-friendly auto insurance for a Ford Fusion
The list below details some of the recommended penny-pinching ideas that can help Milwaukee drivers buy lower-cost car insurance.
- Do not get into accidents that are your fault
- Higher deductibles save money
- Do not pay for comprehensive and collision coverage on older vehicles
- Maintain a clean driving record
- Good credit scores may make rates cheaper
- Buy vehicles with five-star safety ratings
- Compare rates often to find the best deal
The last tip in the list is certainly important, as was noted in the prior information. Car insurance prices in Milwaukee vary considerably, so don’t be unwilling to change to a new company if you find a cheaper price.
Many drivers have brand loyalty and that’s fine, but it isn’t a good idea if your bullheadedness ends up costing you several hundred dollars every year. In less than five minutes you could compare rates to find cheaper car insurance for a Ford Fusion.
If you aren’t sure which coverage you need and prefer to have some professional guidance when shopping around for cheaper insurance for a Fusion, the insurance agencies below are willing to help you decide which policy fits your needs best.
To locate a Milwaukee insurance agent using an interactive map, click the button after the list or click here to compare prices now.
- See Insurance
4680 W Bradley Rd #203 – Milwaukee, WI 53223 – (414) 355-5433
- American Family Insurance – Derold Barker
2215 E North Ave #1 – Milwaukee, WI 53202 – (414) 332-8350
- Procter Insurance Agency
2315 10th Ave – South Milwaukee, WI 53172 – (414) 762-8900