How many times have you said it’s time to compare more competitive insurance rates in Austin, TX? Austin shoppers have lots of choices when shopping for low-cost Ford Fusion insurance. They can either waste time struggling with agents getting price quotes or save time using the internet to find the lowest rates. There is a right way and a wrong way to find insurance online and we’ll show you the best way to compare rates for your Ford and locate the best price possible.
It is always a good idea to shop coverage around at least once a year because insurance rates are adjusted regularly by insurance companies. If you had the best premium rates on Ford Fusion insurance in Austin a year ago you can probably find a better price now. Don’t believe everything you read about Fusion insurance online, but I’m going to show you some great ways to lower your insurance premiums.
The quickest way to compare insurance rates in your area is to realize most insurance companies participate in a system to compare their rates. To begin a comparison, all you need to do is provide details such as whether you have decent credit, marital status, driver ages, and if your license is active. Your details is then sent to multiple companies and they respond with quotes almost instantly.
To compare cheap Ford Fusion insurance rates now, click here and complete the quick form.
The companies in the list below provide free quotes in Texas. If the list has multiple companies, we recommend you click on several of them to get the best price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion S 4-Dr Sedan | $294 | $496 | $382 | $22 | $114 | $1,308 | $109 |
| Fusion SE 4-Dr Sedan | $370 | $698 | $382 | $22 | $114 | $1,586 | $132 |
| Fusion Hybrid 4-Dr Sedan | $378 | $672 | $624 | $36 | $186 | $1,896 | $158 |
| Fusion SEL 4-Dr Sedan | $232 | $462 | $400 | $24 | $120 | $1,238 | $103 |
| Fusion Sport 4-Dr Sedan | $300 | $580 | $514 | $30 | $154 | $1,578 | $132 |
| Fusion SEL AWD 4-Dr Sedan | $318 | $660 | $430 | $26 | $128 | $1,562 | $130 |
| Fusion Sport AWD 4-Dr Sedan | $458 | $988 | $514 | $30 | $154 | $2,144 | $179 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Information does not factor in specific zip code location which can influence prices significantly.
Comparison of policy deductibles
A question often asked by Austin drivers is the level to set your comp and collision deductibles. The rates shown below can help you visualize the rate differences when you select higher and lower policy deductibles. The first price estimate table uses a $250 physical damage coverage deductible and the second price grid uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion S 4-Dr Sedan | $294 | $496 | $382 | $22 | $114 | $1,333 | $111 |
| Fusion SE 4-Dr Sedan | $332 | $584 | $382 | $22 | $114 | $1,459 | $122 |
| Fusion Hybrid 4-Dr Sedan | $332 | $672 | $476 | $28 | $142 | $1,675 | $140 |
| Fusion SEL 4-Dr Sedan | $332 | $584 | $382 | $22 | $114 | $1,459 | $122 |
| Fusion Sport 4-Dr Sedan | $332 | $584 | $382 | $22 | $114 | $1,459 | $122 |
| Fusion SEL AWD 4-Dr Sedan | $370 | $672 | $382 | $22 | $114 | $1,585 | $132 |
| Fusion Sport AWD 4-Dr Sedan | $370 | $672 | $382 | $22 | $114 | $1,585 | $132 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion S 4-Dr Sedan | $240 | $400 | $382 | $22 | $114 | $1,158 | $97 |
| Fusion SE 4-Dr Sedan | $270 | $472 | $382 | $22 | $114 | $1,260 | $105 |
| Fusion Hybrid 4-Dr Sedan | $270 | $542 | $476 | $28 | $142 | $1,458 | $122 |
| Fusion SEL 4-Dr Sedan | $270 | $472 | $382 | $22 | $114 | $1,260 | $105 |
| Fusion Sport 4-Dr Sedan | $270 | $472 | $382 | $22 | $114 | $1,260 | $105 |
| Fusion SEL AWD 4-Dr Sedan | $300 | $542 | $382 | $22 | $114 | $1,360 | $113 |
| Fusion Sport AWD 4-Dr Sedan | $300 | $542 | $382 | $22 | $114 | $1,360 | $113 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Price information does not factor in specific location information which can influence rates considerably.
Based on the above data, using a $250 deductible would cost the average driver about $17 more each month or $204 a year than buying the higher $500 deductible. Since the policyholder would be required to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you go at least 15 months between claims, you would save money by going with a higher deductible.
Discounts mean cheaper rates for Ford Fusion insurance in Austin
The price of auto insurance can be rather high, but you may find discounts to help bring down the price. Some of these discounts will be visible at the time you complete a quote, but once in a while a discount must be asked about prior to receiving the credit.
- Anti-lock Brakes – Cars and trucks with ABS braking systems or traction control have fewer accidents so companies give up to a 10% discount.
- College Student – Any of your kids who are enrolled in a college that is more than 100 miles from Austin without a vehicle on campus may be insured at a cheaper rate.
- New Vehicle Savings – Buying insurance coverage on a new vehicle can get you a discount because newer vehicles have to meet stringent safety requirements.
- Accident Free – Austin drivers who stay claim-free pay less as opposed to accident-prone drivers.
- Telematics Data Discounts – Policyholders that allow their insurance company to look at driving manner by using a telematic data system such as Progressive’s Snapshot might get better premium rates if they exhibit good driving behavior.
- Safety Restraint Discount – Drivers who require all vehicle occupants to buckle up can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
- Pay Upfront and Save – By making one initial payment instead of making monthly payments you can avoid the installment charge.
- Organization Discounts – Affiliation with qualifying clubs or civic groups could qualify you for a break when shopping for car insurance.
- Discount for Passive Restraints – Cars that have air bags or motorized seat belts could see savings of more than 20%.
You can save money using discounts, but most of the big mark downs will not be given to the overall cost of the policy. Some only reduce the cost of specific coverages such as collision or personal injury protection. Just because you may think it’s possible to get free car insurance, you aren’t that lucky.
The best car insurance companies and some of the premium reductions they offer are detailed below.
- The Hartford offers discounts including air bag, bundle, defensive driver, good student, anti-theft, and driver training.
- American Family discounts include accident-free, bundled insurance, multi-vehicle, air bags, and TimeAway discount.
- Progressive has savings for continuous coverage, good student, homeowner, online quote discount, and online signing.
- Travelers includes discounts for payment discounts, new car, home ownership, IntelliDrive, and continuous insurance.
- Farmers Insurance may have discounts that include good student, multi-car, alternative fuel, business and professional, and early shopping.
- USAA policyholders can earn discounts including multi-policy, vehicle storage, military installation, defensive driver, and loyalty savings.
- Liberty Mutual offers premium reductions for multi-policy, newly married, exclusive group savings, new graduate, good student, teen driver discount, and hybrid vehicle.
If you need lower rates, check with all the companies which discounts can lower your rates. Discounts might not apply in Austin. To locate providers with discount car insurance rates in Austin, click here.
Are car insurance agents used anymore?
Many drivers just prefer to go talk to an agent and that is a personal choice. Professional agents are trained to spot inefficiencies and help you file claims. One of the best bonuses of comparing rates online is the fact that drivers can get the lowest rates and still buy from a local agent.
To make it easy to find an agent, after completing this simple form, your insurance data is transmitted to agents in your area that can provide free Austin auto insurance quotes for your coverage. You don’t have to contact any agents as quotes are delivered to you. If you need to quote rates from one company in particular, you would need to visit that company’s website and fill out the quote form the provide.
Choosing an company should depend on more than just a cheap price quote. These questions are important to ask:
- Can you use your own choice of collision repair facility?
- Which companies can they place coverage with?
- Do they receive special compensation for putting your coverage with one company over another?
- Is every driver in your family covered?
- Do they carry Errors and Omissions coverage?
- Can you get a list of referrals?
- Do you work with a CSR or direct with the agent?
Pick the best car insurance agent in Austin for you
When researching a local Austin insurance agent, there are a couple of different agency structures that you can choose from. Auto insurance agencies can either be exclusive agents or independent agents. Both types of agents can sell auto insurance policies, but it’s good to learn the difference in how they write coverage because it can factor into the type of agent you choose.
Exclusive Agencies
Exclusive insurance agents normally can only provide a single company’s rates such as State Farm, AAA, Farmers Insurance or Allstate. Exclusive agents cannot shop your coverage around so it’s a take it or leave it situation. Exclusive insurance agents receive extensive training in insurance sales which can be an advantage. Many people use the same agent mostly because of the brand and solid financial strength.
Below is a list of exclusive agencies in Austin that are able to give comparison quotes.
- Bennie Council – State Farm Insurance Agent
6448 US-290 f110 – Austin, TX 78723 – (512) 454-4524 – View Map - Karen Easterling – State Farm Insurance Agent
2711 W Anderson Ln #201 – Austin, TX 78757 – (512) 454-4784 – View Map - Allstate Insurance: Fleming and Conway Agency
3435 Greystone Dr Ste 107 – Austin, TX 78731 – (512) 345-0005 – View Map
Independent Insurance Agents
Agents that elect to be independent are not limited to a single company and that allows them to write policies through many different auto insurance companies and get the cheapest rates. If your agent finds better pricing, an independent agent can move your coverage and you don’t have to do anything. When shopping rates, you need to get quotes from at least one independent agent to get the best comparison. Most have the option of insuring with companies you’ve never heard of that many times have cheaper rates.
The following are independent insurance agencies in Austin willing to provide rate quotes.
- AUSTIN AREA INSURANCE AGENCY
8711 Burnet Rd – Austin, TX 78757 – (512) 253-8726 – View Map - Lezam Insurance
4301 W. William Cannon Dr., Ste. B-120 – Austin, TX 78749 – (512) 263-4333 – View Map - Greater Austin Insurance Inc
11824 Jollyville Rd # 202 – Austin, TX 78759 – (512) 250-1777 – View Map
How do Car Insurance Companies Determine Ford Fusion Insurance Premiums?
Multiple criteria are part of the calculation when you get your auto insurance bill. Some are obvious such as traffic violations, but others are not quite as obvious like your continuous coverage or how safe your car is. It’s important that you understand some of the elements that help calculate the level of your policy premiums. If you have some idea of what controls the rates you pay, this allows you to make educated decisions that could result in lower premium levels.
The itemized list below are a few of the things used by your company to calculate your prices.
- Performance makes a difference – The type of car, truck or SUV you are buying insurance for makes a significant difference in your rates. Since the Ford Fusion falls in the passenger car class, insurance will be similar in price or lower than the average rate where you live in Austin. Low performance passenger cars normally have pretty low rates, but many other things help determine your insurance rates.
- Small claims can cost you – If you’re an insured who likes to file claims you can definitely plan on either higher rates or even cancellation. Auto insurance companies in Texas provide the best rates to drivers who file claims infrequently. Your insurance policy is intended to be relied upon for major claims that would cause financial hardship.
- Qualify for multi-policy discounts – Most major insurance companies provide discounts for people that buy multiple policies. It’s known as a multi-policy discount. This can amount to ten or even fifteen percent. Even if you’re getting this discount consumers should still check prices from other companies to guarantee you are still saving the most.
- Always keep your car insurance in force – Going without insurance is a fast way to drive up your policy premiums. Not only will rates go up, getting caught without coverage could earn you a fine, jail time, or a revoked license.
- Pay less with a high safety rating – Safer cars can get you lower premiums. Vehicles engineered for safety reduce injuries and better occupant protection means less claims paid and cheaper rates on your policy. If your Ford Fusion is rated at a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it may cost less to insure.
- Deter theft and pay less – Selecting a car model with a theft deterrent system can get you a discount on your car insurance. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart car theft.
- Premiums increase with driving tickets – Your driving citation history has a big impact on rates. Getting just one speeding ticket or other violation can increase rates forty percent or more. Attentive drivers tend to pay less for car insurance as compared to careless drivers. Drivers who get serious violations such as DUI, reckless driving or excessive speeding may face state-mandated requirements to file a proof of financial responsibility form (SR-22) with their state’s licensing department in order to legally drive.
- Insurance loss probability for a Ford Fusion – Companies take into consideration historical loss data for every vehicle to calculate a rate that offsets possible losses. Models that have high amounts or severity of claims will have higher rates.
The table below demonstrates the loss history for Ford Fusion vehicles. For each policy coverage type, the claim amount for all vehicles as a whole is a value of 100. Numbers below 100 indicate a favorable loss history, while values over 100 indicate more frequent claims or statistically larger losses.
Ford Fusion Insurance Claim Statistics
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 Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Three reasons to insure your Ford vehicle
Despite the high insurance cost for a Ford Fusion in Austin, buying insurance is mandatory in Texas but it also protects more than you think.
- Most states have compulsory liability insurance requirements which means the state requires specific limits of liability coverage if you want to drive legally. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If your vehicle has a loan, almost all lenders will require that you have physical damage coverage to guarantee payment of the loan. If the policy lapses, the bank may buy a policy for your Ford at a much higher premium rate and force you to pay much more than you were paying before.
- Insurance safeguards both your assets and your Ford. It will also cover hospital and medical expenses incurred in an accident. One of the most valuable coverages, liability insurance, will also pay attorney fees if you are named as a defendant in an auto accident. If damage is caused by hail or an accident, comprehensive and collision coverage will pay to have it repaired.
The benefits of carrying enough insurance outweigh the cost, specifically if you ever have a liability claim. The average driver in Texas overpays as much as $850 per year so it’s very important to do a rate comparison every year to ensure rates are inline.
The best insurance company isn’t always the cheapest
People change insurance companies for a variety of reasons including high prices, unfair underwriting practices, being labeled a high risk driver and even extreme rates for teen drivers. Regardless of your reason, switching insurance companies can be less work than you think.
We just showed you many ideas to save on Ford Fusion insurance in Austin. It’s most important to understand that the more you quote Austin auto insurance, the better likelihood of getting affordable Austin auto insurance quotes. You may even be surprised to find that the most savings is with an unexpected company.
When getting Austin auto insurance quotes online, it’s not a good idea to reduce needed coverages to save money. In many cases, drivers have reduced liability limits or collision coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your focus should be to buy a smart amount of coverage at the best price while not skimping on critical coverages.
Additional detailed information can be found in the articles below:
- New head restraint design cuts injuries (Insurance Institute for Highway Safety)
- Who Has the Cheapest Auto Insurance for Drivers Over Age 50 in Austin? (FAQ)
- What Insurance is Cheapest for a GMC Sierra in Austin? (FAQ)
- Who Has the Cheapest Austin Car Insurance Rates for a Hyundai Elantra? (FAQ)
- Who Has Cheap Car Insurance Rates for Single Moms in Austin? (FAQ)
- Things to Know Before you Cancel Insurance (Allstate)
- Electronic Stability Control FAQ (iihs.org)