We don’t have to tell you that auto insurance companies don’t want you to look for cheaper rates. Consumers who shop around once a year will presumably buy a new policy because there is a significant possibility of getting low-cost coverage. Surprisingly, a recent survey revealed that drivers who compared rates annually saved over $865 a year compared to those who never compared other company’s rates.
If finding the best price on Ford Fusion insurance in Chandler is your ultimate goal, then having some knowledge of the best way to shop and compare insurance rates can help you succeed in finding affordable rates.
It takes a few minutes, but the best way to find the cheapest price for Ford Fusion insurance is to compare prices regularly from different companies who provide auto insurance in Chandler. You can compare rates by following these guidelines.
Step 1: Get an understanding of the different coverages in a policy and the things you can change to keep rates down. Many policy risk factors that cause high rates like traffic violations and a lousy credit rating can be amended by paying attention to minor details. Read the full article for information to keep prices down and find additional discounts.
Step 2: Compare price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give prices from a single company like Progressive and State Farm, while agents who are independent can quote rates from many different companies. Start a quote
Step 3: Compare the new rate quotes to your existing coverage to determine if you can save on Fusion insurance in Chandler. If you find better rates, make sure coverage does not lapse between policies.
Step 4: Notify your agent or company of your intention to cancel your current car insurance policy. Submit the signed application along with the required initial payment to your new insurance company. As soon as coverage is bound, keep your new proof of insurance certificate in an easily accessible location in your vehicle.
One thing to point out is to try to compare the same amount of coverage on every quote request and and to get rate quotes from all possible companies. Doing this provides a fair price comparison and a complete selection of prices.
If you have coverage now or are looking for a new policy, use these tips to find the best rates and possibly find even better coverage. Finding the cheapest auto insurance coverage in Chandler is easy if you know what you’re doing. You just have to know the best way to compare price quotes from multiple carriers.
Lowering your Ford Fusion auto insurance rates is not a difficult process. All you need to do is take time comparing price quotes to discover which company has inexpensive Chandler auto insurance quotes.
Getting rates online is very simple and it replaces the need to go to different Chandler agent offices. Comparing Ford Fusion insurance rates online reduces the need to sit down with an agent unless you require the trained advice of a licensed agent. However, consumers can compare the best prices online but still have the advice of a local agent.
The companies shown below offer quotes in Arizona. If multiple companies are listed, we suggest you visit several of them in order to get a fair rate comparison.
Verify you’re earning every discount
Some companies do not list their entire list of discounts very clearly, so the list below gives a summary of a few of the more well known and the more hidden credits available to you.
- Cautious Driver Discounts – Drivers who avoid accidents may save up to 50% more than drivers with accidents.
- Policy Bundle Discount – If you have multiple policies with the same company you could earn a discount of up to 20% and get you low cost Ford Fusion insurance.
- Mature Driver Discount – Drivers over the age of 55 are able to get lower premium rates.
- Discount for Life Insurance – Insurance companies who offer life insurance give lower premium rates if you buy life insurance from them.
- Seat Belt Usage – Using a seat belt and requiring all passengers to buckle up could save 15% off the PIP or medical payment premium.
- No Charge for an Accident – Not a discount per se, but certain companies will allow you to have one accident before your rates go up if your claims history is clear prior to being involved in the accident.
- Low Miles Discount – Keeping the miles down on your Ford could qualify for discounted rates on garaged vehicles.
- Driver Education Discount – Cut your cost by having your teen driver successfully take a driver’s education course in school.
- No Claim Discounts – Good drivers with no accidents are rewarded with significantly better rates on Chandler auto insurance quote when compared with accident-prone drivers.
You can save money using discounts, but some of the credits will not apply to all coverage premiums. Most only reduce individual premiums such as liability, collision or medical payments. Just because it seems like adding up those discounts means a free policy, insurance companies wouldn’t stay in business. But all discounts will help reduce your policy premium.
The diagram below compares Ford Fusion insurance rates with and without some available policy discounts. The costs are based on a female driver, no claims or violations, Arizona state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, multi-policy, claim-free, homeowner, and marriage discounts applied.
A few of the larger companies and some of the discounts can be read below.
- State Farm discounts include multiple policy, good driver, safe vehicle, Drive Safe & Save, and defensive driving training.
- Progressive has discounts for online signing, good student, continuous coverage, multi-policy, and homeowner.
- Travelers offers discounts including student away at school, payment discounts, hybrid/electric vehicle, driver training, good student, multi-policy, and home ownership.
- American Family policyholders can earn discounts including defensive driver, TimeAway discount, good driver, bundled insurance, early bird, and multi-vehicle.
- Liberty Mutual has savings for new graduate, hybrid vehicle, exclusive group savings, new move discount, multi-car, preferred payment discount, and newly married.
Before buying, ask each company which discounts you qualify for. All car insurance discounts might not be offered in Chandler. For a list of insurance companies who offer cheap Ford Fusion insurance quotes in Arizona, click here.
Ford Fusion insurance coverage information
The coverage information shown next showcases a range of insurance prices for Ford Fusion models. Learning a little about how policy rates are determined is important to be able to make smart choices when buying a car insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion S 4-Dr Sedan | $124 | $252 | $338 | $20 | $102 | $836 | $70 |
| Fusion SE 4-Dr Sedan | $138 | $298 | $338 | $20 | $102 | $896 | $75 |
| Fusion Hybrid 4-Dr Sedan | $138 | $344 | $424 | $26 | $126 | $1,058 | $88 |
| Fusion SEL 4-Dr Sedan | $138 | $298 | $338 | $20 | $102 | $896 | $75 |
| Fusion Sport 4-Dr Sedan | $138 | $298 | $338 | $20 | $102 | $896 | $75 |
| Fusion SEL AWD 4-Dr Sedan | $154 | $344 | $338 | $20 | $102 | $958 | $80 |
| Fusion Sport AWD 4-Dr Sedan | $154 | $344 | $338 | $20 | $102 | $958 | $80 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Price estimates do not factor in specific location which can impact auto insurance rates substantially.
Where to set your deductibles
One frequently asked question is the level to set your comp and collision deductibles. The premium rates below summarize how much more you’ll pay when you select higher and lower policy deductibles. The first data set uses a $100 deductible for physical damage 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 | $258 | $466 | $300 | $18 | $90 | $1,157 | $96 |
| Fusion SE 4-Dr Sedan | $292 | $548 | $300 | $18 | $90 | $1,273 | $106 |
| Fusion Hybrid 4-Dr Sedan | $292 | $632 | $374 | $22 | $112 | $1,457 | $121 |
| Fusion SEL 4-Dr Sedan | $292 | $548 | $300 | $18 | $90 | $1,273 | $106 |
| Fusion Sport 4-Dr Sedan | $292 | $548 | $300 | $18 | $90 | $1,273 | $106 |
| Fusion SEL AWD 4-Dr Sedan | $324 | $632 | $300 | $18 | $90 | $1,389 | $116 |
| Fusion Sport AWD 4-Dr Sedan | $324 | $632 | $300 | $18 | $90 | $1,389 | $116 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion S 4-Dr Sedan | $144 | $246 | $300 | $18 | $90 | $798 | $67 |
| Fusion SE 4-Dr Sedan | $162 | $290 | $300 | $18 | $90 | $860 | $72 |
| Fusion Hybrid 4-Dr Sedan | $162 | $334 | $374 | $22 | $112 | $1,004 | $84 |
| Fusion SEL 4-Dr Sedan | $162 | $290 | $300 | $18 | $90 | $860 | $72 |
| Fusion Sport 4-Dr Sedan | $162 | $290 | $300 | $18 | $90 | $860 | $72 |
| Fusion SEL AWD 4-Dr Sedan | $180 | $334 | $300 | $18 | $90 | $922 | $77 |
| Fusion Sport AWD 4-Dr Sedan | $180 | $334 | $300 | $18 | $90 | $922 | $77 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Rates do not factor in specific location which can increase or decrease auto insurance rates significantly.
Based on the above data, using a $100 deductible will cost you approximately $36 more each month or $432 for a full year than choosing the higher $1,000 deductible. Since the policyholder would be required to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you normally average at a minimum 25 months between claims, you would more than likely save some money if you elect the higher deductible. Here’s the way you can make your own decision.
| Average monthly premium for $100 deductibles: | $110 |
| Average monthly premium for $1,000 deductibles (subtract): | – $74 |
| Monthly savings from raising deductible: | $36 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $36 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 25 months |
One big caveat is that higher deductibles results in having to pay to pay more out-of-pocket at claim time. You must have access to more funds in the event you have to pay more for the deductible.
The chart below highlights how deductible choice and can increase or decrease Ford Fusion insurance costs for each age group. The data assumes a married male driver, full physical damage coverage, and no discounts are applied to the premium.
Auto insurance cost for men versus women in Chandler
The chart below compares Ford Fusion car insurance costs for male and female drivers. Data assumes no accidents, no driving violations, full coverage, $250 deductibles, drivers are not married, and no discounts are factored in.
Cost of full coverage in Chandler
The example below illustrates the difference between Ford Fusion insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premiums assume no tickets, no at-fault accidents, $500 deductibles, marital status is single, and no discounts are applied to the premium.
Should you be buying full coverage?
There is no written rule of when to drop physical damage insurance, but there is a general convention. If the yearly cost for physical damage coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s pretend your Ford Fusion claim settlement value is $3,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $2,000 after paying the physical damage deductible. If premiums are more than $200 annually for your policy with full coverage, then you may need to consider dropping full coverage.
There are a few cases where removing full coverage is not a good plan. If you have an outstanding loan on your vehicle, you have to carry full coverage to protect the lienholder’s interest. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should not opt for liability only.
Neighborhood insurance agents
Some people still like to visit with an insurance agent and there is nothing wrong with that. Licensed agents can help determine the best coverages and will help you if you have claims. A good thing about comparing rate quotes online is that drivers can save money and get lower rates and still buy from a local agent.
To help locate an agent, after submitting this simple form, your information gets sent to participating agents in Chandler that can give you free Chandler auto insurance quotes and help you find cheaper coverage. It simplifies rate comparisons since you won’t have to find an agent because prices are sent directly to you. If you need to get a comparison quote from a particular provider, you would need to go to their quote page to submit a rate quote request.
Picking the best insurer requires more thought than just a cheap price. These questions are important to ask:
- Which company do they place the most coverage with?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Is the agent CPCU or CIC certified?
- Can you contact them at any time?
- Is the quote a firm price?
Choose an insurance agent wisely
If you want to buy auto insurance from a local Chandler insurance agent, there are two types of insurance agents and how they differ in how they can insure your vehicles. Agents in Chandler are classified as either independent agents or exclusive agents depending on their employer. Both write auto insurance policies, but it’s a good idea to understand the subtle differences because it can impact buying decisions.
Exclusive Auto Insurance Agencies
Agents in the exclusive channel write business for a single company and some examples include Allstate and State Farm. Exclusive agents are unable to provide prices from multiple companies so they are skilled at selling on more than just price. They are very knowledgeable on their products and sales techniques which helps them sell insurance even at higher premiums.
Below are exclusive agencies in Chandler that are able to give price quotes.
Farmers Insurance – Tom Sisouvanh
3170 S Gilbert Rd #5 – Chandler, AZ 85286 – (480) 409-1515 – View Map
Allstate Insurance: Thomas Lane
1835 W Chandler Blvd Ste 201 – Chandler, AZ 85224 – (480) 857-1384 – View Map
Farmers Insurance – Joe Baselice
5355 W Chandler Blvd #8 – Chandler, AZ 85226 – (480) 940-0909 – View Map
Independent Auto Insurance Agents
Independent agents often have many company appointments and that enables them to quote your coverage with an assortment of companies and get the cheapest rates. If they quote lower rates, your agent can switch companies and that require little work on your part. If you are comparing rate quotes, you should always get quotes from multiple independent agents for the best price selection.
Below are independent agencies in Chandler who can help you get comparison quotes.
Sean Paul Insurance Agency
333 N Dobson Rd #160 – Chandler, AZ 85224 – (480) 525-8846 – View Map
Parrish Insurance
1256 W Chandler Blvd # G – Chandler, AZ 85224 – (480) 821-1005 – View Map
Citywide Insurance, Inc.
369 S Arizona Ave – Chandler, AZ 85225 – (480) 821-3772 – View Map
Smart Choices Result in Lower Insurance Rates
Part of the insurance buying process is learning the factors that go into determining the rates you pay for insurance. If you have a feel for what determines premiums, this allows you to make educated decisions that may reward you with cheaper rates.
More traffic equals higher prices – Choosing to live in less populated areas of the country has definite advantages when insuring your vehicles. Fewer drivers means a lower chance of having an accident in addition to lower liability claims. Residents of big cities have traffic congestion and longer commute times. More time commuting translates into higher accident risk.
Decrease prices by maintaining coverage – Having a gap between insurance policy dates can be a guaranteed way to pay more for insurance. Not only will you pay more, being ticketed for driving with no insurance will get you a fine, jail time, or a revoked license.
Tickets and citations cost more than a fine – Attentive drivers receive lower rates than their less careful counterparts. Even one speeding ticket or other violation can increase the cost of insurance by as much as thirty percent. Drivers who have careless violations like DUI or willful reckless driving might be required by their state to file a SR-22 to the state department of motor vehicles in order to continue driving.
The example below demonstrates how citations and accident claims raise Ford Fusion insurance rates for different age groups. The premium estimates are based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are taken into consideration.
Driver age impacts premiums – Older drivers are proven to be safer behind the wheel, cause fewer claims and accidents, and are safer drivers. Young drivers are statistically shown to be more careless behind the wheel therefore insurance rates are much higher.
The following data assumes a single driver, full coverage with $100 deductibles, and no discounts or violations.
Add-on coverages that may not be needed – Policies have extra bells and whistles that you can get tricked into buying on your Fusion policy. Coverages for vanishing deductibles, towing coverage, and motor club memberships may not be needed and are just wasting money. They may seem like a good idea when discussing your needs, but if they’re wasting money get rid of them and save.
Safeguard your assets with liability coverage – Liability insurance provides coverage when you are found liable for personal injury or accident damage. This coverage provides legal defense which can cost thousands of dollars. This coverage is relatively inexpensive as compared to coverage for physical damage, so drivers should buy more than the minimum limits required by law.
Insurance losses for a Ford Fusion – Companies factor in insurance loss information to calculate a price that offsets possible losses. Models that historically have a trend towards higher claims will have increased rates.
The table below illustrates the insurance loss data used by companies for Ford Fusion vehicles. For each coverage type, the loss probability for all vehicles compiled together is a value of 100. Numbers below 100 indicate a favorable loss history, while numbers shown that are more than 100 point to more losses or a tendency for claims to be larger.
| Make and 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 |
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Why do I need car insurance?
Despite the potentially high cost of Ford Fusion insurance, insurance serves several important purposes.
- Most states have mandatory insurance requirements which means you are required to carry a specific minimum amount of liability coverage if you drive a vehicle. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you have a lien on your Fusion, it’s most likely the lender will stipulate that you have comprehensive coverage to protect their interest in the vehicle. If you do not keep the policy in force, the bank will be required to insure your Ford for a much higher rate and require you to reimburse them the higher premium.
- Insurance protects your Ford Fusion and your assets. It will also cover most medical and hospital costs for you, your passengers, and anyone else injured in an accident. Liability insurance, one of your policy coverages, will also pay to defend you if you are named as a defendant in an auto accident. If damage is caused by hail or an accident, comprehensive and/or collision insurance will cover the repair costs.
The benefits of having insurance outweigh the cost, especially with large liability claims. According to a recent study, the average American driver is overpaying over $869 every year so compare quotes from several companies once a year at a minimum to help ensure money is not being wasted.
Don’t give up on cheaper premiums
When getting Chandler auto insurance quotes online, it’s very important that you do not reduce needed coverages to save money. There are a lot of situations where an insured cut physical damage coverage only to find out they didn’t purchase enough coverage. Your aim should be to find the BEST coverage for the lowest cost.
You just read a lot of tips how to shop for Ford Fusion insurance online. The key concept to understand is the more price quotes you have, the better likelihood of getting affordable Ford Fusion insurance quotes. You may even find the biggest savings come from a company that doesn’t do a lot of advertising. These smaller insurers may only write in your state and offer lower rates than the large multi-state companies such as Allstate, GEICO and Progressive.
More information is located at these links:
- Teen Driving and Texting (State Farm)
- Who Has Cheap Auto Insurance for a Honda Accord in Chandler? (FAQ)
- Who Has Cheap Auto Insurance Rates for a School Permit in Chandler? (FAQ)
- Parking Tips to Reduce Door Dings (State Farm)
- Five Mistakes to Avoid (Insurance Information Institute)
- Safety Belts FAQ (iihs.org)
- What is a Telematics Device? (Allstate)