Want 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.
|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.
- Bundle and Save - When you combine your auto and home insurance with the same insurance company you will save at least 10% off all policies.
- Life Insurance Discount - Not all car insurance companies offer life insurance, but some may give you a discount if you purchase a life insurance policy as well.
- Save with More Vehicles Insured - Insuring multiple vehicles with the same company could earn a price break for each car.
- Switch and Save Discount - Some companies provide a discount for buying a policy before your current expiration date. You could save around 10% when you buy Columbus auto insurance online.
- Clubs and Organizations - Being in qualifying clubs or civic groups could qualify you for a break on your policy.
- Waiver for an Accident - This one is not really a discount per se, but some insurance companies allow you one accident without the usual rate increase so long as you are claim-free before the accident.
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.
- Poor credit score equals high premiums - An insured's credit rating can be an important factor in determining what you pay for insurance. Insureds with excellent credit tend to be more responsible than drivers who have poor credit. If your credit history could use some work, you may save money insuring your Ford Fusion if you clean up your credit.
- Liability insurance limits are a factor - The liability section of your policy is the protection if a court rules you are at fault for personal injury or accident damage. Liability insurance provides you with a defense in court to attempt to prove you were not liable. Carrying liability coverage is mandatory and cheap when compared to the cost of physical damage coverage, so drivers should buy more than the minimum limits required by law.
- Companies want multiple policies - The majority of insurance companies afford discounts to buyers who buy several policies from them, otherwise known as a multi-policy discount. The discount can be ten percent or more. Even if you're getting this discount you may still want to compare Ford Fusion rates in Columbus to confirm you are receiving the best rates possible.
- Miles impacts prices - The more you drive your Ford in a year the higher the price you pay to insure it. Most companies apply a rate based upon how much you drive. Autos left parked in the garage can be on a lower rate level compared to those used for work or business. Having the wrong rating on your Fusion may be costing you higher rates. Double check that your policy reflects the proper vehicle usage, because improper ratings can cost you money.
- Do you have a high stress job? - Did you know your job can affect your rates? Careers such as fire fighters, police officers, and stock brokers have higher rates than average attributed to intense work situations and extremely grueling work hours. Other professions such as actors, historians and retirees generally pay rates lower than average.
- Drive a fast car and pay more - The performance level of the car you need to insure makes a huge difference in the rate you pay. Due to the fact that the Ford Fusion is a passenger car, insuring your vehicle will cost similar in price or lower than the average rate where you live in Columbus. Low performance passenger models usually have the lowest rates, but that's not the only thing that factors into the final price.
- Insurance lapses raise premiums - Driving without insurance is a misdemeanor and companies may charge more for letting your insurance lapse for non-payment. Not only will you pay more, failure to provide proof of insurance could result in a fine, jail time, or a revoked license.
- Rural vs Urban Areas - Having an address in areas with lower population has it's advantages when insuring your vehicles. Urban drivers tend to have more traffic problems and much longer commute distances. Less people means fewer accidents and a lower car theft rate.
- Loss probability for a Ford Fusion - Companies analyze past claim statistics to calculate a price that offsets possible losses. Models that tend to have a trend towards higher claim severity or frequency will cost more for coverage. The table below demonstrates the historical insurance loss data for Ford Fusion vehicles.
For each coverage type, the loss probability for all vehicles combined as an average is set at 100. Percentage numbers below 100 are indicative of better than average losses, while numbers above 100 indicate a higher chance of having a claim or statistically larger claims.
Insurance Loss Ratings for Ford Fusion Vehicles
Vehicle 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
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
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. Here are some questions about coverages that can help discover whether or not you would benefit from an agent's advice.
- Do all my vehicles need collision coverage?
- What does medical payments cover?
- What is roadside assistance coverage?
- Is my dog or cat covered if injured in an accident?
- I have good health insurance, so how much medical payments coverage do I need?
- Am I covered if I drive in a foreign country?
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.
For 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.
- Does the agency have a positive business rating?
- Are claim adjusters local or do you have to take your car somewhere else?
- Do they carry Errors and Omissions coverage?
- How are claims handled?
- Do they get extra compensation for selling add-on coverages?
- Are they giving you every discount you deserve?
The following is a short list of auto insurance companies in Columbus that can give you price quotes for Ford Fusion insurance in Columbus.
- Bill Alsnauer - State Farm Insurance Agent
2500 W Dublin Granville Rd - Columbus, OH 43235 - (614) 764-2411 - View Map
- Gianna R Cone - State Farm Insurance Agent
1495 Morse Rd #100 - Columbus, OH 43229 - (614) 267-7865 - View Map
- Bud Kulp - State Farm Insurance Agent
1707 Bethel Rd - Columbus, OH 43220 - (614) 459-2424 - View Map
- Ray Cook - State Farm Insurance Agent
7846 Olentangy River Rd - Columbus, OH 43235 - (614) 846-2886 - View Map
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.
Other learning opportunities
- Frontal Crash Tests (iihs.org)
- What Insurance is Cheapest for Teenage Females in Ohio? (FAQ)
- Who Has Affordable Ohio Car Insurance Quotes for High Mileage Drivers? (FAQ)
- Understanding Car Crashes Video (iihs.org)
- Steps to Take After an Auto Accident (Insurance Information Institute)