Do you want an efficient way to compare the cheapest Ford Fusion insurance in Columbus? Trying to find cheaper insurance for your Ford Fusion in Ohio can normally be an all-consuming task, but you can learn our auto insurance buying tips to find lower rates.
There are both good and bad ways to compare auto insurance rates and you need to know the best way to quote coverages for your Ford and find the best price possible either online or from Columbus insurance agents.
Smart consumers take time to quote other rates as often as possible since insurance rates are usually higher with each renewal. Just because you had the lowest premium rates on Ford Fusion insurance in Columbus at your last renewal there is a good chance you can find better prices now. There is a lot of bad advice regarding Fusion insurance out there, but we’re going to give you some great ways to slash your auto insurance rates in Columbus.
If you’re already insured or just want to save money, you can use this information to get lower rates without reducing coverage. Getting quotes for the best insurance in Columbus is not as time-consuming as you think. Drivers just need to learn the most efficient way to shop their coverage around from many different companies.
Cutting your Columbus insurance rates is surprisingly easy. Consumers just need to spend a few minutes comparing price quotes to find out which insurance company has the cheapest Ford Fusion rate quotes.
The auto insurance companies shown below have been selected to offer price quotes in Columbus, OH. If multiple companies are shown, it’s highly recommended you compare several of them to find the most competitive auto insurance rates.
Analysis of Ford Fusion rates
The premium table shown below highlights different insurance prices for Ford Fusion models. Having a good understanding how policy rates are figured can assist in making smart choices when purchasing an auto insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion S 4-Dr Sedan | $168 | $346 | $256 | $16 | $76 | $862 | $72 |
| Fusion SE 4-Dr Sedan | $190 | $408 | $256 | $16 | $76 | $946 | $79 |
| Fusion Hybrid 4-Dr Sedan | $190 | $468 | $320 | $18 | $96 | $1,092 | $91 |
| Fusion SEL 4-Dr Sedan | $190 | $408 | $256 | $16 | $76 | $946 | $79 |
| Fusion Sport 4-Dr Sedan | $190 | $408 | $256 | $16 | $76 | $946 | $79 |
| Fusion SEL AWD 4-Dr Sedan | $212 | $468 | $256 | $16 | $76 | $1,028 | $86 |
| Fusion Sport AWD 4-Dr Sedan | $212 | $468 | $256 | $16 | $76 | $1,028 | $86 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Table data does not factor in Columbus location which can influence premium rates significantly.
Physical damage deductible comparison
One of the more difficult decisions when buying car insurance is which deductible level should you buy. The following insurance rates can help you understand the rate fluctuation when you select higher and lower policy deductibles. The first pricing table uses a $100 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 | $196 | $352 | $226 | $14 | $68 | $881 | $73 |
| Fusion SE 4-Dr Sedan | $220 | $416 | $226 | $14 | $68 | $969 | $81 |
| Fusion Hybrid 4-Dr Sedan | $220 | $478 | $284 | $16 | $84 | $1,107 | $92 |
| Fusion SEL 4-Dr Sedan | $220 | $416 | $226 | $14 | $68 | $969 | $81 |
| Fusion Sport 4-Dr Sedan | $220 | $416 | $226 | $14 | $68 | $969 | $81 |
| Fusion SEL AWD 4-Dr Sedan | $246 | $478 | $226 | $14 | $68 | $1,057 | $88 |
| Fusion Sport AWD 4-Dr Sedan | $246 | $478 | $226 | $14 | $68 | $1,057 | $88 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion S 4-Dr Sedan | $108 | $186 | $226 | $14 | $68 | $602 | $50 |
| Fusion SE 4-Dr Sedan | $122 | $220 | $226 | $14 | $68 | $650 | $54 |
| Fusion Hybrid 4-Dr Sedan | $122 | $252 | $284 | $16 | $84 | $758 | $63 |
| Fusion SEL 4-Dr Sedan | $122 | $220 | $226 | $14 | $68 | $650 | $54 |
| Fusion Sport 4-Dr Sedan | $122 | $220 | $226 | $14 | $68 | $650 | $54 |
| Fusion SEL AWD 4-Dr Sedan | $136 | $252 | $226 | $14 | $68 | $696 | $58 |
| Fusion Sport AWD 4-Dr Sedan | $136 | $252 | $226 | $14 | $68 | $696 | $58 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Price estimates do not factor in specific location information which can alter insurance rates significantly.
Based on the figures above, using a $100 deductible would cost the average driver about $27 more each month or $324 every year than requesting the higher $1,000 deductible. Because you would be required to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to go at a minimum 33 months between claims, you would come out ahead by going with a higher deductible.
Ford Fusion insurance rates: Men versus women
The chart below illustrates the difference between Ford Fusion car insurance costs for male and female drivers. The rates are based on no accidents, no driving violations, full coverage, $500 deductibles, drivers are single, and no additional discounts are factored in.
Should you buy full coverage?
The illustration below compares Ford Fusion yearly insurance costs when comparing full coverage to liability only. The rate quotes are based on no claims or driving violations, $1,000 deductibles, single marital status, and no policy discounts are applied.
When to stop buying physical damage coverage
There is no definitive rule to stop paying for physical damage coverage on your policy, but there is a broad guideline. If the annual cost of coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.
For example, let’s assume your Ford Fusion book value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $5,000 after the policy deductible has been paid. If you are paying in excess of $500 annually for comprehensive and collision coverage, then you may need to consider dropping full coverage.
There are some conditions where buying only liability insurance is not advised. If you still have a loan on your vehicle, you must maintain physical damage coverage in order to keep the loan. Also, if you can’t afford to buy a different vehicle in the event your current vehicle is totaled, you should maintain full coverage.
Discount Columbus car insurance quotes
Car insurance can be pricey, but there are discounts available that you may not even know about. Many discounts should be triggered when you purchase, but a few must be specially asked for before you get the savings.
- No Charge for an Accident – Not necessarily a discount, but certain companies may permit one accident before raising your premiums as long as you don’t have any claims prior to the accident.
- Good Students Pay Less – A discount for being a good student may save you up to 25%. You can use this discount normally up to age 25.
- Drivers Education – Teen drivers should enroll in driver’s education if it’s offered in school.
- Safety Restraint Discount – Buckling up and requiring all passengers to buckle their seat belts could cut 10% or more on the premium charged for medical payments and/or PIP.
- Multiple Cars – Buying a policy with all your vehicles on the same car insurance policy can reduce rates for all insured vehicles.
- Discount for Home Ownership – Being a homeowner can get you a discount because it is proof of financial responsibility.
- Multi-policy Discount – If you insure your home and vehicles with one company you will save at least 10 to 15 percent or more.
- Driver Safety – Taking time to complete a defensive driving course could earn you a small percentage discount depending on where you live.
- Anti-theft Discount – Cars equipped with tracking devices and advanced anti-theft systems can help prevent theft and earn discounts up to 10% off your Columbus auto insurance quote.
- Passive Restraint Discount – Factory options such as air bags or motorized seat belts could see savings up to 30%.
One thing to note about discounts is that many deductions do not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like liability and collision coverage. So when it seems like all the discounts add up to a free policy, it just doesn’t work that way.
The example below illustrates the comparison of Ford Fusion car insurance costs with and without discounts applied to the policy premium. The rate quotes are based on a female driver, no claims, a clean driving record, Ohio state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, homeowner, multi-policy, safe-driver, and marriage discounts applied.
Insurance companies that may have these discounts include:
Double check with each company which discounts they offer. Some of the discounts discussed earlier may not apply everywhere.
Protect your vehicle and other assets
Despite the fact that insurance is not cheap in Columbus, maintaining insurance serves an important purpose.
- The majority of states have compulsory liability insurance requirements which means the state requires specific minimum amounts of liability if you don’t want to risk a ticket. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you have a loan on your vehicle, it’s most likely the lender will make it a condition of the loan that you have insurance to guarantee loan repayment. If coverage lapses or is canceled, the lender may insure your Ford at a much higher premium rate and make you pay a much higher amount than you were paying before.
- Insurance safeguards your vehicle and your assets. It will also provide coverage for all forms of medical expenses for yourself as well as anyone injured by you. One of the most valuable coverages, liability insurance, will also pay for a defense attorney if you are sued as the result of your driving. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will pay to have it repaired.
The benefits of insuring your Fusion definitely exceed the cost, particularly if you ever have a claim. An average driver in America overpays as much as $700 annually so it’s recommended you shop around at every policy renewal to ensure rates are inline.
Compare rate quotes but work with a local Columbus insurance agency
Some consumers would prefer to get professional advice from a licensed agent and there is nothing wrong with that. Insurance agents can help you build your policy and help file insurance claims. The biggest benefit of getting free rate quotes online is that you can obtain cheap rate quotes and still have an agent to talk to. Supporting local insurance agents is still important in Columbus.
To make it easy to find an agent, after completing this form (opens in new window), your insurance coverage information is sent to local insurance agents who can give free rate quotes to get your business. There is no need to contact any agents because quoted prices will be sent to your email. If you need to quote rates from a specific company, you just need to go to their quote page and complete a quote there.
Columbus auto insurance agents come in two flavors
If you want to buy insurance from a reputable agency, you must know there are a couple different agency structures that differ in how they can insure your vehicles. Insurance agencies in Columbus can be classified as either independent or exclusive. Both types of agents can properly insure your vehicles, but it’s important to point out the difference between them since it can affect buying decisions.
Independent Agents (or Brokers)
Independent agents do not write with just one company and that enables them to quote your coverage with multiple insurance companies and potentially find a lower price. If your premiums go up, they simply switch companies in-house which makes it simple for you.
When comparing insurance rates, you should always get rate quotes from at least one independent agent to get the most accurate price comparison. Many can place coverage with smaller regional carriers which could offer lower prices.
Shown below is a partial list of independent insurance agents in Columbus that may be able to provide free price quotes.
- Geswein Insurance Agency LLC
5214 Bethel Center Mall – Columbus, OH 43220 – (614) 538-2944 – View Map - Tri-Wood Insurance
1000 Georgesville Rd – Columbus, OH 43228 – (614) 276-7821 – View Map - Danduran and Associates Insurance Agency, Inc.
1827 O Brien Rd – Columbus, OH 43228 – (614) 777-8200 – View Map
Exclusive Insurance Agencies
Exclusive agencies can only quote rates from one company and examples are Allstate and State Farm. Exclusive agents cannot provide other company’s prices so they have to upsell other benefits. These agents are very knowledgeable on what they offer which helps them sell on service rather than price. Consumers often use the same exclusive agent mainly due to the prominent brand name and strong financial ratings.
Listed below is a list of exclusive insurance agents in Columbus who can help you get rate quotes.
- American Family Insurance – Yelena Uchiteleva Agency LLC
233 S Hamilton Rd – Columbus, OH 43213 – (614) 235-1702 – View Map - Wendy Sams – State Farm Insurance Agent
9039 Antares Ave, Ste D-1A – Columbus, OH 43240 – (614) 985-6123 – View Map - Jerry Doherty – State Farm Insurance Agent
21 W Broad St #100 – Columbus, OH 43215 – (614) 461-7833 – View Map
Deciding on an insurance agency requires you to look at more than just the price. Any agent in Columbus should have no problem answering these questions:
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Will the quote change when the policy is issued?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Are there any extra charges for paying monthly?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- If your car is totaled, how to they determine the replacement cost?