Feel like you have an overpriced insurance policy? You’re preaching to the choir because many Tampa drivers feel the same as you.
Astonishing but true, almost 70% of insureds kept their coverage with the same insurance company for over three years, and 38% of drivers have never taken the time to shop around. Florida drivers could save themselves almost $1,130 a year just by shopping around, but they won’t spend time to shop around. Many insurers vie to insure your vehicles, and it can be difficult to compare rates to discover the definitive cheapest price on Ford Fusion insurance in Tampa.
You should make it a habit to price shop coverage before your policy renews due to the fact that insurance prices trend upward over time. Even if you think you had the lowest quotes on Ford Fusion insurance in Tampa a year ago there may be better deals available now. Ignore everything you know about insurance because you’re about to find out the proper way to lower your rates without sacrificing coverage.
Low Cost companies for Ford Fusion insurance
The companies shown below are ready to provide free rate quotes in Florida. If you wish to find cheap auto insurance in Tampa, we recommend you compare several of them to find the most competitive car insurance rates.
Ford Fusion insurance coverage information
The information displayed next highlights a range of coverage costs for Ford Fusion models. Understanding more about how premiums are formulated can be of help when making smart choices when selecting a coverage provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion S 4-Dr Sedan | $280 | $552 | $400 | $24 | $120 | $1,376 | $115 |
| Fusion SE 4-Dr Sedan | $316 | $650 | $400 | $24 | $120 | $1,510 | $126 |
| Fusion Hybrid 4-Dr Sedan | $316 | $748 | $500 | $30 | $150 | $1,744 | $145 |
| Fusion SEL 4-Dr Sedan | $316 | $650 | $400 | $24 | $120 | $1,510 | $126 |
| Fusion Sport 4-Dr Sedan | $316 | $650 | $400 | $24 | $120 | $1,510 | $126 |
| Fusion SEL AWD 4-Dr Sedan | $352 | $748 | $400 | $24 | $120 | $1,644 | $137 |
| Fusion Sport AWD 4-Dr Sedan | $352 | $748 | $400 | $24 | $120 | $1,644 | $137 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Rate information does not factor in vehicle location which can decrease or increase price quotes noticeably.
Physical damage deductibles: Should you raise them?
One common question asked by Tampa drivers is which comprehensive and collision deductibles to buy. The tables below can help you understand the differences in price between high and low deductibles. The first rate table uses a $100 physical damage coverage deductible and the second set of rates uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion S 4-Dr Sedan | $358 | $648 | $418 | $24 | $124 | $1,597 | $133 |
| Fusion SE 4-Dr Sedan | $406 | $764 | $418 | $24 | $124 | $1,761 | $147 |
| Fusion Hybrid 4-Dr Sedan | $406 | $880 | $522 | $30 | $156 | $2,019 | $168 |
| Fusion SEL 4-Dr Sedan | $406 | $764 | $418 | $24 | $124 | $1,761 | $147 |
| Fusion Sport 4-Dr Sedan | $406 | $764 | $418 | $24 | $124 | $1,761 | $147 |
| Fusion SEL AWD 4-Dr Sedan | $452 | $880 | $418 | $24 | $124 | $1,923 | $160 |
| Fusion Sport AWD 4-Dr Sedan | $452 | $880 | $418 | $24 | $124 | $1,923 | $160 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion S 4-Dr Sedan | $200 | $342 | $418 | $24 | $124 | $1,108 | $92 |
| Fusion SE 4-Dr Sedan | $224 | $402 | $418 | $24 | $124 | $1,192 | $99 |
| Fusion Hybrid 4-Dr Sedan | $224 | $464 | $522 | $30 | $156 | $1,396 | $116 |
| Fusion SEL 4-Dr Sedan | $224 | $402 | $418 | $24 | $124 | $1,192 | $99 |
| Fusion Sport 4-Dr Sedan | $224 | $402 | $418 | $24 | $124 | $1,192 | $99 |
| Fusion SEL AWD 4-Dr Sedan | $250 | $464 | $418 | $24 | $124 | $1,280 | $107 |
| Fusion Sport AWD 4-Dr Sedan | $250 | $464 | $418 | $24 | $124 | $1,280 | $107 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Premium amounts do not factor in specific garaging location which can increase or decrease coverage prices considerably.
Based on this data, using a $100 deductible could cost the average driver approximately $49 more each month or $588 a year averaged for all Fusion models than choosing the higher $1,000 deductible. Since the policyholder would be required to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to have at a minimum 18 months between claims, you would most likely save money if you choose a higher deductible.
The illustration below demonstrates how deductibles and can increase or decrease Ford Fusion yearly insurance costs for each different age category. The rate quotes are based on a single male driver, comprehensive and collision coverage, and no policy discounts are applied.
Six Tips to Get Cheap Tampa Insurance Costs
Lots of factors are used when quoting car insurance. Most are fairly basic like a motor vehicle report, although others are not as apparent such as your marital status or how safe your car is.
Listed below are some of the most rate-impacting factors auto insurance companies consider when setting prices.
Theft deterrents save – Choosing a vehicle with advanced anti-theft systems can earn a premium discount. Theft prevention devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers help track and prevent car theft.
Careless driving leads to higher prices – Drivers with clean records tend to pay less for car insurance as compared to those with violations. Even a single moving violation can increase the cost of insurance by twenty percent. Drivers who get license-revoking citations such as DUI, reckless driving or excessive speeding may face state-mandated requirements to submit a SR-22 form with their state DMV in order to keep their license.
The chart below shows how speeding tickets and fender-benders can influence Ford Fusion insurance rates for different age categories. The rates are based on a married male driver, comprehensive and collision coverage, $100 deductibles, and no additional discounts are factored in.
Keep rates low by being claim-free – Car insurance companies in Florida give the lowest premiums to drivers who file claims infrequently. If you are a frequent claim filer, you can expect either policy cancellation or increased premiums. Insurance coverage is designed for larger claims.
Credit rating impacts rates – An insured’s credit rating is likely to be a major factor in determining what you pay for auto insurance. If your credit history can use some improvement, you may save money insuring your Ford Fusion by spending a little time repairing your credit. People that have good credit tend to file fewer claims and have better driving records than drivers with worse credit.
Little extras can really add up – There are many additional extra coverages that may not really be needed if you aren’t careful. Coverages like vanishing deductibles, high-cost glass coverage, and additional equipment coverage may be costing you every month. The coverages may be enticing when talking to your agent, but if you’ve never needed them in the past remove them and pocket the money.
Marriage discount – Your spouse actually saves money on your policy. Having a significant other is viewed as being more mature and statistics show married drivers tend to file fewer claims.
Insurance loss statistics a Ford Fusion – Insurance companies include the past claim history for a vehicle when setting rates for each model. Vehicles that the statistics show to have high amounts or severity of claims will have a higher cost to insure.
The table below demonstrates the insurance loss data used by companies for Ford Fusion vehicles. For each coverage category, the claim probability for all vehicles, as an average, is represented as 100. Numbers under 100 indicate better than average losses, while percentage values above 100 indicate a higher chance of having a claim or an increased likelihood of larger losses.
| Specific Ford Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Ford Fusion 2WD | 110 | 95 | 108 | 116 | 111 | 105 |
| Ford Fusion 4WD | 115 | 85 | 120 | 88 | 77 | 71 |
| Ford Fusion Hybrid | 125 | 97 | 98 | 92 | 93 | 95 |
| Ford Fusion Plug-in Hybrid | 128 | 87 | 91 | 88 | 91 | 107 |
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Get cheap Ford Fusion insurance in Tampa with discounts
Some insurance providers don’t list every possible discount very well, so we break down both well-publicized and also the more inconspicuous credits available to you. If you don’t get every credit you deserve, it’s possible you qualify for a lower rate.
- Low Miles Discount – Low annual miles could earn lower rates on the low mileage vehicles.
- Online Discount – A handful of insurance companies may give you up to $50 just for signing your application on the web.
- Clubs and Organizations – Affiliation with a qualifying organization is a good way to get lower rates on your policy.
- Pay Early and Save – If paying your policy premium upfront rather than paying monthly you may reduce your total bill.
- Own a Home and Save – Simply owning a home can help you save on auto insurance since home ownership requires personal responsibility.
- Federal Government Employee – Simply working for the federal government can earn a discount up to 10% depending on your company.
- Early Signing – Some larger companies give discounts for signing up before your current Fusion insurance policy expires. It can save you around 10%.
Remember that many deductions do not apply to your bottom line cost. Most only apply to the cost of specific coverages such as collision or personal injury protection. So even though you would think you could get a free auto insurance policy, insurance companies wouldn’t stay in business.
The diagram below visualizes the comparison of Ford Fusion premium costs with and without discounts. The rate quotes are based on a female driver, no driving violations, no at-fault accidents, Florida state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, safe-driver, claim-free, homeowner, and multi-policy discounts applied.
A list of auto insurance companies and a summarized list of policyholder discounts are:
- State Farm has discounts for safe vehicle, driver’s education, good driver, student away at school, Steer Clear safe driver discount, Drive Safe & Save, and multiple autos.
- GEICO has savings for multi-policy, membership and employees, military active duty, anti-lock brakes, federal employee, good student, and multi-vehicle.
- SAFECO includes discounts for drive less, teen safe driver, anti-lock brakes, anti-theft, bundle discounts, homeowner, and teen safety rewards.
- Farmers Insurance may have discounts that include multi-car, youthful driver, good student, distant student, mature driver, and pay in full.
- AAA offers discounts including AAA membership discount, good student, multi-car, anti-theft, and education and occupation.
- USAA offers discounts for annual mileage, driver training, vehicle storage, new vehicle, defensive driver, and good student.
If you need lower rates, check with each company which discounts can lower your rates. Depending on the company, some discounts may not apply to policies in your area. If you would like to see a list of providers that offer the discounts shown above in Tampa, follow this link.
Local agents and insurance
A small number of people just want to visit with an insurance agent. Agents are trained risk managers and will help you if you have claims. One of the benefits of getting online price quotes is the fact that drivers can get cheap rate quotes and still have an agent to talk to. Buying from local agencies is still important in Tampa.
To find an agent, once you fill out this quick form, your insurance data is instantly submitted to participating agents in Tampa that can give you free Tampa car insurance quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to find an agent on your own because quoted prices will be sent to you. If you need to get a comparison quote from a specific company, feel free to navigate to their website to submit a rate quote request.
Choosing an insurer should depend on more than just a low price. You should also get answers to these questions.
- What are the financial ratings for the companies they represent?
- Is there a Errors and Omissions policy in force?
- Are claim adjusters local or do you have to take your car somewhere else?
- Do you need full coverage on every vehicle?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Is every driver in your family covered?
Do I need special coverages?
When it comes to choosing your policy for your personal vehicles, there isn’t really a single plan that fits everyone. Your situation is unique so your insurance should reflect that
Here are some questions about coverages that can help discover whether your personal situation would benefit from an agent’s advice.
- Should I get collision insurance on every vehicle?
- Does my insurance cover my expensive audio equipment?
- How can I get the company to pay a claim?
- Is business property covered if stolen from my car?
- Are my company tools covered if they get stolen?
- How much liability insurance is required?
If you can’t answer these questions then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area. It only takes a few minutes and you can get the answers you need.
The best insurance company isn’t always the cheapest
As you prepare to switch companies, it’s very important that you do not reduce needed coverages to save money. There have been many situations where someone dropped liability limits or collision coverage only to find out that the few dollars in savings costed them thousands. Your focus should be to buy a smart amount of coverage at the lowest possible cost while not skimping on critical coverages.
You just learned many ideas to reduce Ford Fusion insurance prices online in Tampa. The key concept to understand is the more companies you get rates for, the better likelihood of getting affordable Ford Fusion insurance quotes. You may even discover the best prices are with some of the lesser-known companies. These smaller insurers may often insure only within specific states and give better rates than their larger competitors like Allstate and Progressive.
How to buy low-cost Ford Fusion insurance in Tampa
The best way we recommend to find low-cost prices for car insurance rates is to compare prices once a year from different companies that sell auto insurance in Tampa. You can shop around by following these guidelines.
First, read and learn about how companies set rates and the things you can change to prevent expensive coverage. Many things that result in higher rates like multiple speeding tickets and a bad credit score can be remedied by making lifestyle changes or driving safer.
Second, request price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can give quotes from one company like GEICO or State Farm, while independent agencies can provide price quotes for many different companies. Select a company
Third, compare the new rates to your existing coverage to see if switching to a new carrier will save money. If you find a lower rate quote, make sure coverage is continuous and does not lapse.
One key aspect of rate comparisons is to try to use identical coverages on each price quote and and to compare as many different insurance providers as possible. Doing this ensures a level playing field and a good representation of prices.
For more information, feel free to visit the articles below:
- Vehicle Insurance in the U.S. (Wikipedia)
- Who Has the Cheapest Tampa Car Insurance for 17 Year Olds? (FAQ)
- Who Has Affordable Auto Insurance for 16 Year Olds in Tampa? (FAQ)
- Prepare your Teens for Safe Driving (InsureUonline.org)
- How to shop for a safer car (Insurance Institute for Highway Safety)