It’s an obvious assumption that auto insurance companies don’t want you shop around. Drivers who compare rates annually will, in all likelihood, move their business because there are good odds of finding a policy with better rates. A recent study showed that drivers who did price comparisons regularly saved $3,450 over four years as compared to drivers who never shopped around for better prices.
If saving money on Ford Fusion insurance is your objective, then having an understanding of how to get rate quotes and compare auto insurance can save money and time.
If you want to save money, the best way to get cheaper auto insurance rates is to start doing an annual price comparison from insurance carriers who provide car insurance in Charlotte. You can compare rates by completing these steps.
- Spend a few minutes and learn about how car insurance works and the changes you can make to drop your rates. Many factors that cause rate increases such as accidents, careless driving, and a negative credit score can be remedied by making minor changes in your lifestyle. Keep reading for additional ideas to keep prices down and find possible discounts that are available.
- Request rate estimates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can provide rates from a single company like Progressive or Farmers Insurance, while independent agents can quote rates from many different companies.
- Compare the price quotes to your current policy to determine if you can save on Fusion insurance. If you find a better price, ensure coverage does not lapse between policies.
- Provide notification to your current company of your intention to cancel your current auto insurance policy. Submit payment and a signed application to the new insurer. As soon as coverage is bound, put the proof of insurance paperwork in your vehicle.
One piece of advice is to make sure you enter identical deductibles and limits on each quote request and and to get rates from as many different companies as possible. This ensures a fair rate comparison and a complete rate analysis.
Best companies for competitive Ford Fusion insurance in North Carolina
The auto insurance companies shown below are ready to provide price quotes in North Carolina. If multiple companies are listed, we recommend you compare several of them to get the lowest price.
Auto insurance data for a Ford Fusion
The coverage table below showcases different policy rates for Ford Fusion models. Being more informed about how insurance prices are determined can assist in making decisions on which coverage to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion S 4-Dr Sedan | $244 | $386 | $326 | $20 | $98 | $1,074 | $90 |
| Fusion SE 4-Dr Sedan | $276 | $456 | $326 | $20 | $98 | $1,176 | $98 |
| Fusion Hybrid 4-Dr Sedan | $276 | $524 | $408 | $24 | $122 | $1,354 | $113 |
| Fusion SEL 4-Dr Sedan | $276 | $456 | $326 | $20 | $98 | $1,176 | $98 |
| Fusion Sport 4-Dr Sedan | $276 | $456 | $326 | $20 | $98 | $1,176 | $98 |
| Fusion SEL AWD 4-Dr Sedan | $308 | $524 | $326 | $20 | $98 | $1,276 | $106 |
| Fusion Sport AWD 4-Dr Sedan | $308 | $524 | $326 | $20 | $98 | $1,276 | $106 |
| Get Your Own Custom Quote Go | |||||||
Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and North Carolina minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Estimates do not factor in specific garaging location which can decrease or increase rates noticeably.
Rate comparison for different deductibles
When comparing auto insurance rates, the most common question is how high or low should comp and collision deductibles be. The tables below highlight the rate difference when you select higher and lower comp and collision deductibles. The first price estimate table uses a $250 deductible and the second set of prices uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion S 4-Dr Sedan | $192 | $324 | $250 | $14 | $74 | $879 | $73 |
| Fusion SE 4-Dr Sedan | $218 | $382 | $250 | $14 | $74 | $963 | $80 |
| Fusion Hybrid 4-Dr Sedan | $218 | $440 | $312 | $18 | $94 | $1,107 | $92 |
| Fusion SEL 4-Dr Sedan | $218 | $382 | $250 | $14 | $74 | $963 | $80 |
| Fusion Sport 4-Dr Sedan | $218 | $382 | $250 | $14 | $74 | $963 | $80 |
| Fusion SEL AWD 4-Dr Sedan | $242 | $440 | $250 | $14 | $74 | $1,045 | $87 |
| Fusion Sport AWD 4-Dr Sedan | $242 | $440 | $250 | $14 | $74 | $1,045 | $87 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion S 4-Dr Sedan | $156 | $262 | $250 | $14 | $74 | $756 | $63 |
| Fusion SE 4-Dr Sedan | $176 | $308 | $250 | $14 | $74 | $822 | $69 |
| Fusion Hybrid 4-Dr Sedan | $176 | $354 | $312 | $18 | $94 | $954 | $80 |
| Fusion SEL 4-Dr Sedan | $176 | $308 | $250 | $14 | $74 | $822 | $69 |
| Fusion Sport 4-Dr Sedan | $176 | $308 | $250 | $14 | $74 | $822 | $69 |
| Fusion SEL AWD 4-Dr Sedan | $196 | $354 | $250 | $14 | $74 | $888 | $74 |
| Fusion Sport AWD 4-Dr Sedan | $196 | $354 | $250 | $14 | $74 | $888 | $74 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Rate information does not factor in specific garaging location which can influence price quotes noticeably.
Using the premium rates above, we can conclude that using a $250 deductible will cost in the ballpark of $12 more each month or $144 a year averaged for all Fusion models than selecting the higher $500 deductible. Since you would have to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you have at a minimum 21 months between claim filings, you would save money if you decide on a higher deductible. The table below shows how this determination is made.
| Average monthly premium for $250 deductibles: | $83 |
| Average monthly premium for $500 deductibles (subtract): | – $71 |
| Monthly savings from raising deductible: | $12 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $12 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 21 months |
The diagram below illustrates how choosing a deductible and can change Ford Fusion yearly insurance costs for different age groups. The rate quotes are based on a married female driver, comprehensive and collision coverage, and no other discounts are factored in.
These eight discounts can lower Ford Fusion insurance rates
Some providers don’t always publicize every discount very well, so we break down a few of the more well known in addition to some of the lesser obvious credits that may apply to you.
- Own a Home – Owning a house in Charlotte can earn you a little savings because of the fact that having a home requires personal responsibility.
- ABS Braking Discount – Cars equipped with ABS or steering control can avoid accidents so you can save 10 percent or more.
- Sign Online – A few larger online companies will give you a small discount shop Charlotte auto insurance on the internet.
- No Claims – Charlotte drivers who stay claim-free get the best insurance rates in comparison with frequent claim filers.
- College Student Discount – College-age children who are attending college and do not have a car can receive lower rates.
- Service Members Pay Less – Having an actively deployed family member could trigger a small discount.
- Include Life Insurance and Save – Not every insurance company offers life insurance, but if they do you may earn a discounted insurance rate on car insurance if you buy a life policy as well.
- Membership in Organizations – Belonging to a civic or occupational organization in Charlotte could qualify you for a break when shopping for insurance.
Remember that some of the credits will not apply to all coverage premiums. Some only reduce the cost of specific coverages such as collision or personal injury protection. Just because you may think you can get free auto insurance, it’s just not the way it works.
The information below compares Ford Fusion insurance prices with and without discounts being applied to the rates. The information is based on a male driver, no tickets, no at-fault accidents, North Carolina 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 marriage, safe-driver, homeowner, claim-free, multi-policy, and multi-car discounts applied.
To see insurance companies that have a full spectrum of discounts in Charlotte, click this link.
Car insurance can be complex
When selecting your policy, there really is no one size fits all plan. Your financial needs are unique so your insurance should reflect that For instance, these questions can help discover if you might need professional guidance.
- I have a DUI can I still get coverage?
- Do I have newly-acquired coverage?
- Does my Ford Fusion need full coverage?
- Am I covered if I have no license?
- Can my teen driver be rated on a liability-only vehicle?
- Is upholstery damage covered by car insurance?
- Where can I find DUI or SR-22 insurance?
- What can I do if my company won’t pay a claim?
- Is my camper covered by my car insurance policy?
If you can’t answer these questions but you know they apply to you, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.
Auto insurance is available from local insurance agents
Certain consumers just prefer to have an agent’s advice and that can be a smart move One of the benefits of price shopping on the web is that you can obtain the best rates but still work with a licensed agent.
To make it easy to find an agent, after completing this form (opens in new window), the quote information gets sent to participating agents in Charlotte who will gladly provide quotes for your insurance coverage. It makes it easy because there is no need to visit any agencies as quotes are delivered to the email address you provide. You can find lower rates AND an agent nearby. If you wish to get a price quote from a specific auto insurance provider, feel free to search and find their rate quote page and fill out the quote form the provide.
Picking the best insurance company is decision based upon more than just the bottom line cost. The following questions are important to ask.
- Is the agent properly licensed in North Carolina?
- If they are an independent agency in Charlotte, which companies do they recommend?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- Can they provide you with a list of referrals?
- When do they do a full risk review?
- Will a damage claim use OEM or aftermarket replacement parts?
Listed below is a list of insurance companies in Charlotte that may be willing to give price quote information for Ford Fusion insurance in Charlotte.
The Hoffman Agency, LLC
2015 Ayrsley Town Blvd – Charlotte, NC 28273 – (704) 280-8585 – View Map
Jeff Genant – State Farm Insurance Agent
15105 John J Delaney Dr – Charlotte, NC 28277 – (704) 594-3000 – View Map
Nationwide Insurance: Michael Bare Agency
2300 Sardis Rd N a – Charlotte, NC 28227 – (704) 248-8000 – View Map
Alex Williamson – State Farm Insurance Agent
4108 Park Rd #106 – Charlotte, NC 28209 – (704) 525-9995 – View Map
Coverage specifics
Learning about specific coverages of your policy helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. These are the usual coverages available from car insurance companies.
Comprehensive or Other Than Collision
Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for things like damage from flooding, fire damage, vandalism and hitting a bird. The most your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Auto liability insurance
Liability insurance will cover damage that occurs to a person or their property by causing an accident. This coverage protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.
Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 30/60/25 which means a $30,000 limit per person for injuries, a per accident bodily injury limit of $60,000, and a total limit of $25,000 for damage to vehicles and property.
Liability insurance covers things like repair bills for other people’s vehicles, structural damage, court costs and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible. North Carolina state law requires minimum liability limits of 30/60/25 but it’s recommended drivers buy better liability coverage.
The next chart demonstrates why buying low liability limits may not provide adequate coverage.
Medical costs insurance
Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like rehabilitation expenses, X-ray expenses and prosthetic devices. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. Coverage applies to you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage
Auto collision coverage
This pays for damage to your Fusion from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.
Collision can pay for claims such as sideswiping another vehicle, hitting a mailbox, backing into a parked car, damaging your car on a curb and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to choose a higher deductible on your Fusion to bring the cost down.
UM/UIM Coverage
This gives you protection when other motorists either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as damage to your Ford Fusion.
Because many people only carry the minimum required liability limits (30/60/25), their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.
In Summary
The cheapest Ford Fusion insurance in Charlotte is available from both online companies and with local Charlotte insurance agents, so you need to quote Charlotte auto insurance with both to get a complete price analysis. There are still a few companies who may not offer internet price quotes and these smaller companies work with independent agents.
When trying to cut insurance costs, never skimp on coverage in order to save money. There have been many cases where someone dropped uninsured motorist or liability limits to discover at claim time that it was a big error on their part. The aim is to buy a smart amount of coverage at the best cost, but do not skimp to save money.
We just showed you many ways to find lower-cost Ford Fusion insurance in Charlotte. The most important thing to understand is the more times you quote, the better your comparison will be. Consumers may even find the biggest savings come from the least-expected company. Some small companies may cover specific market segments cheaper compared to the large companies like State Farm and Allstate.
Additional information is located at these links:
- Air Bags: Potential Dangers to Your Children (Insurance Information Institute)
- Who Has the Cheapest Charlotte Car Insurance Rates for Handicapped Drivers? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for Drivers with Accidents in Charlotte? (FAQ)
- Who Has Cheap Auto Insurance Rates for Drivers with Good Credit in Charlotte? (FAQ)
- How Much are Charlotte Car Insurance Quotes for a Chevrolet Silverado? (FAQ)
- What Car Insurance is Cheapest for Hybrid Vehicles in Charlotte? (FAQ)
- What Insurance is Cheapest for Police Officers in Charlotte? (FAQ)
- Bodily Injury Coverage (Liberty Mutual)
- Coverage Information (Progressive Insurance)
- Keeping Children Safe in Crashes Video (iihs.org)