Scraping up a payment for overpriced Ford Fusion insurance in Evansville can dwindle your monthly budget and make it hard to pay other bills. Getting a rate comparison is a great way to lower your bills every month.
A recent insurance study discovered that the vast majority of consumers have remained with the same insurance company for at least the last four years, and approximately 38% of consumers have never compared quotes from other companies. American insurance shoppers could pocket $850 a year just by comparing rates, but most just don't grasp the amount of money they would save if they switched.
Consumers have multiple auto insurance companies to choose from, and although it's a good thing to be able to choose, it can be more difficult to find the lowest rates for Ford Fusion insurance in Evansville.
It's a good idea to do rate comparisons before your next renewal due to the fact that insurance rates change regularly. Even if you think you had the best premium rates on Ford Fusion insurance in Evansville a year ago there may be better deals available now. Block out anything you think you know about insurance because I'm going to let you in on the secrets to the fastest way to lower your rates without sacrificing coverage.
Just keep in mind that comparing more rates from different companies helps locate more affordable insurance. Not every company does Evansville Fusion insurance quotes over the internet, so it's recommended that you also compare price estimates from them, too.
The companies shown below are our best choices to provide quotes in Evansville, IN. If several companies are displayed, it's a good idea that you click on several of them to get the most competitive price.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Fusion S 4-Dr Sedan||$152||$230||$368||$22||$110||$882||$74|
|Fusion SE 4-Dr Sedan||$146||$306||$364||$22||$110||$948||$79|
|Fusion Hybrid 4-Dr Sedan||$234||$580||$368||$22||$110||$1,314||$110|
|Fusion SEL 4-Dr Sedan||$172||$270||$368||$22||$110||$942||$79|
|Fusion Sport 4-Dr Sedan||$272||$530||$380||$22||$114||$1,318||$110|
|Fusion SEL AWD 4-Dr Sedan||$310||$496||$368||$22||$110||$1,306||$109|
|Fusion Sport AWD 4-Dr Sedan||$190||$392||$318||$18||$94||$1,012||$84|
|Get Your Own Custom Quote Go|
Data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Indiana minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Rates do not factor in your specific Evansville location which can modify insurance rates noticeably.
Comparison of car insurance rates by age and gender in Evansville
The chart below shows the difference between Ford Fusion car insurance rates for male and female drivers. The premium estimates are based on no violations or accidents, comp and collision included, $1,000 deductibles, drivers are single, and no discounts are factored in.
Lower-cost Ford Fusion insurance rates in Evansville
Some insurance providers don't always advertise every policy discount very well, so we took the time to find some of the more common and the harder-to-find credits that you can use to lower your rates. If you're not getting every credit you qualify for, you may be paying too high a price.
- Cautious Driver Discounts - Safe drivers may receive a discount up to 45% than drivers with accident claims.
- Professional Memberships - Being in certain professional organizations may earn a discount on car insurance.
- Discounts for Multiple Vehicles - Buying coverage for multiple cars or trucks with one company can get a discount for every vehicle.
- Defensive Driving Course - Completing a class that teaches driver safety techniques can save you 5% or more if you qualify.
- Claim Free - Evansville drivers who stay claim-free can save substantially in comparison with insureds who have frequent claims or accidents.
- Discount for Good Grades - Getting good grades may save you up to 25%. You can use this discount normally until age 25.
- Distant Student Discount - College-age children who are attending college and leave their car at home can be insured at a reduced rate.
You should keep in mind that most discounts do not apply to the entire cost. Most cut individual premiums such as physical damage coverage or medical payments. So when the math indicates all those discounts means the company will pay you, it's just not the way it works.
If you would like to view car insurance companies with significant discounts in Evansville, click this link.
Choosing the best Fusion insurance in Indiana is an important decision
Despite the high cost, insurance is a good idea for several reasons.
- Most states have compulsory liability insurance requirements which means you are required to carry specific limits of liability protection in order to drive the car legally. In Indiana these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If your Ford Fusion has a loan, almost all lenders will stipulate that you have full coverage to ensure the loan is repaid in case of a total loss. If you do not pay your insurance premiums, the bank may buy a policy for your Ford for a much higher rate and force you to pay for it.
- Insurance protects not only your car but also your assets. It will also pay for many types of medical costs that are the result of an accident. As part of your policy, liability insurance also covers legal expenses if you are sued as the result of your driving. If mother nature or an accident damages your car, comprehensive and/or collision insurance will cover the damage repairs after a deductible is paid.
The benefits of insuring your car are without a doubt worth the cost, especially when you need to use it. Today the average American driver overpays as much as $800 each year so it's very important to do a rate comparison at every policy renewal to ensure rates are inline.
Local neighborhood agents and car insurance
Many drivers would rather talk to an insurance agent and that is recommended in a lot of cases One of the best bonuses of comparing car insurance online is that drivers can save money and get better rates and still have a local agent.
To find an agent, once you fill out this simple form, your information is submitted to insurance agents in Evansville who want to provide quotes for your business. It's much easier because you don't need to leave your computer because quoted prices will be sent to you. You can find lower rates without having to waste a lot of time. If for some reason you want to compare prices from a specific insurance company, you just need to search and find their rate quote page and fill out their quote form.
Finding the right provider needs to be determined by more than just a cheap price quote. Agents should be asked these questions:
- Are they in the agency full-time?
- What kind of financial rating does the company have?
- Can they give you a list of client referrals?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- What insurance company do they write the most business with?
- If you raise deductibles, how much can you save?
- Is the agency involved in supporting local community causes?
- Is the agent properly licensed in Indiana?
Two types of Evansville car insurance agents
When researching a local insurance agency, it helps to know the two different agency structures and how they can write your policy. Agents can either be independent or exclusive.
Exclusive Insurance Agencies
Exclusive agencies are contracted to one company such as State Farm or Allstate. Exclusive agents are unable to provide other company's prices so you might not find the best rates. Exclusive insurance agents are well schooled on their products and sales techniques and that allows them to sell at a higher price point.
The following is a list of exclusive insurance agents in Evansville who may provide you with rate quotes.
Independent Car Insurance Agents
Agents that elect to be independent do not write with just one company so as a result can place your coverage through many different car insurance companies depending on which coverage is best. To move your coverage to a new company, your policy is moved internally which requires no work on your part. If you are trying to find cheaper rates, it's recommended you contact a couple of independent agencies so that you have a good selection of quotes to compare.
Shown below are Evansville independent insurance agencies who can help you get rate quotes.