Discount Ford Fusion insuranceWant to save money and find more competitive auto insurance rates in Columbus, OH? Columbus drivers have many options when trying to find the lowest priced Ford Fusion insurance. You can either waste hours driving around to get rate comparisons or utilize the internet to make rate comparisons. There is a right way and a wrong way to compare auto insurance rates and you need to know the absolute fastest way to compare rates for a new or used Ford and obtain the cheapest rates.

It's a good habit to price shop coverage as often as possible since prices tend to go up over time. Just because you found the lowest rates on Ford Fusion insurance in Columbus two years ago there is a good chance you can find better premium rates now. Forget anything you know (or think you know) about auto insurance because I'm going to teach you the easiest way to properly buy coverages and cut your premium.

Cheapest auto insurance in Columbus, OH

The companies shown below provide free quotes in Ohio. If the list has multiple companies, it's a good idea that you visit as many as you can in order to find the cheapest rates.

Ford Fusion Insurance Rate Estimates in Columbus, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $162 $238 $298 $18 $88 $804 $67
Fusion SE 4-Dr Sedan $190 $408 $238 $14 $72 $922 $77
Fusion Hybrid 4-Dr Sedan $192 $392 $290 $18 $86 $978 $82
Fusion SEL 4-Dr Sedan $198 $348 $226 $14 $68 $854 $71
Fusion Sport 4-Dr Sedan $106 $214 $256 $16 $76 $668 $56
Fusion SEL AWD 4-Dr Sedan $212 $452 $296 $18 $88 $1,066 $89
Fusion Sport AWD 4-Dr Sedan $220 $400 $226 $14 $68 $928 $77
Get Your Own Custom Quote Go

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Rates do not factor in specific location information which can revise premium rates noticeably.

Ford Fusion liability-only versus full coverage

The information below shows the difference between Ford Fusion car insurance costs when comparing full coverage to state minimum liability only. The premium estimates are based on no claims or driving violations, $250 deductibles, single male driver, and no policy discounts are applied.

Are you wasting money paying for full coverage?

There isn't a written rule of when to stop paying for physical damage insurance, but there is a guideline you can use. If the annual cost of having full coverage is 10% or more of the settlement you would receive from your company, then it could be time to drop full coverage.

For example, let's pretend your Ford Fusion settlement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, you would only receive $5,000 after paying the physical damage deductible. If it's costing in excess of $500 a year for full coverage, then it might be time to consider dropping full coverage.

There are a few situations where only buying liability is not in your best interest. If you haven't satisfied your loan, you have to maintain full coverage as part of the loan requirements. Also, if you can't afford to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage on your policy.

Car insurance quotes and discounts

Car insurance is not cheap, but you may find discounts that many people don't even know exist. Many discounts should be triggered when you complete an application, but some may not be applied and must be specially asked for before they will apply.Save money with discounts

While discounts sound great, it's important to understand that many deductions do not apply to the entire policy premium. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates you could get a free car insurance policy, you're out of luck.

A partial list of companies that have some of the discounts shown above possibly include:

Double check with every insurance company to give you their best rates. Some of the earlier mentioned discounts might not be available to policyholders in your state. To view car insurance companies with the best discounts in Columbus, follow this link.

Insurance Rate Influencing Factors

The best way to find cheaper insurance is to take a look at a few of the rating criteria that come into play when calculating the rates you pay for insurance. If you have a feel for what impacts premium levels, this empowers consumers to make smart changes that could help you find lower premium levels. Many factors are taken into consideration when pricing auto insurance. A few of the factors are predictable like an MVR report, although others are not quite as obvious like where you live or how financially stable you are.

Car insurance is unique, just like you

Keep in mind that when it comes to choosing coverage online or from an agent for your personal vehicles, there is no best way to insure your cars. Your needs are unique to you so this has to be addressed.Car insurance savings Here are some questions about coverages that can help discover whether or not you would benefit from an agent's advice.

If you don't know the answers to these questions but one or more may apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier It's fast, doesn't cost anything and you can get the answers you need.

Get rate quotes but buy from a neighborhood Columbus auto insurance agent

Many drivers would rather buy from a local agent and often times that is recommended Insurance agents are highly skilled in risk management and will help you if you have claims. One of the best bonuses of comparing insurance prices online is that drivers can save money and get lower rates but still work with a licensed agent.

Insurance agents in ColumbusFor easy comparison, once you complete this form (opens in new window), the coverage information is transmitted to companies in Columbus that provide free Columbus auto insurance quotes for your coverage. It's much easier because you don't need to search for any insurance agencies since price quotes are sent directly to your email. In the event you want to compare rates for a specific company, you would need to find their quoting web page and give them your coverage information.

Picking the best insurance company requires you to look at more than just a cheap price quote. Here are some questions you might want to ask.

The following is a short list of auto insurance companies in Columbus that can give you price quotes for Ford Fusion insurance in Columbus.

More insurance agents

If you receive acceptable answers to any questions you have as well as an affordable premium quote, you may have found an provider that is a good match to properly service your car insurance policy.

Compare but don't skimp

Low-cost Ford Fusion insurance in Columbus is possible online as well as from insurance agents, so you should compare both in order to have the best chance of saving money. Some insurance companies may not provide rates over the internet and usually these regional insurance providers sell through independent agents.

As you prepare to switch companies, it's a bad idea to skimp on coverage in order to save money. There have been many cases where an accident victim reduced liability coverage limits and learned later that the savings was not a smart move. The aim is to purchase a proper amount of coverage at the lowest possible cost, but don't skip important coverages to save money.

We covered some good ideas how you can reduce Ford Fusion insurance car insurance rates online in Columbus. The key concept to understand is the more you quote Columbus auto insurance, the better chance you'll have of finding cheaper Columbus auto insurance quotes. Consumers could even find that the most savings is with the smaller companies. Smaller companies can often insure niche markets at a lower cost than the large multi-state companies such as Progressive and GEICO.

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