How long has it been since the last time you looked for low-cost auto insurance rates in Boston, MA? Boston drivers have lots of choices when trying to find low-cost Ford Fusion insurance. You can either spend your time calling around getting price quotes or save time using the internet to get rate quotes.
There is a better way to compare auto insurance rates and you need to know the proper way to compare rates for a Ford and locate the lowest possible price from Boston insurance agents and online providers.
It’s astonishing, but a large majority of drivers have remained with the same auto insurance company for at least four years, and approximately 38% of consumers have never even compared quotes to find cheap rates. Many consumers in Massachusetts can cut their rates by $590 a year just by comparing rates, but most undervalue how much savings they would realize if they moved their coverage to a different company.
Cutting your Boston insurance rates isn’t really that difficult. Drivers just need to spend a few minutes getting comparison quotes online from several insurance companies.
The auto insurance companies shown below have been selected to offer free rate quotes in Boston, MA. To locate cheap car insurance in Boston, we suggest you visit as many as you can to get the most affordable price.
Get discounts on Boston insurance
Some providers don’t list the entire discount list very well, so the below list has a few of the more common and the harder-to-find discounts that you may qualify for.
- Service Members Pay Less – Being deployed in the military could be rewarded with lower insurance rates.
- Multi-car Discount – Purchasing coverage when you have multiple vehicles on one policy may reduce the rate for each vehicle.
- Employee of Federal Government – Active or former government employment could qualify for a slight premium decrease with certain companies.
- Claim-Free Discount – Claim-free drivers are rewarded with significantly better rates on Boston auto insurance quote in comparison with accident-prone drivers.
- Early Signing – Some companies provide a discount for switching policies early. You could save around 10% when you buy Boston auto insurance online.
- Pay Now and Pay Less – By paying your policy upfront as opposed to paying monthly you can avoid the installment charge.
You can save money using discounts, but some credits don’t apply to all coverage premiums. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates having all the discounts means you get insurance for free, you’re out of luck.
The information below compares Ford Fusion insurance premiums with and without policy discounts. The information is based on a male driver, no violations or accidents, Massachusetts state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, marriage, multi-policy, safe-driver, and homeowner discounts applied.
To view insurers who offer online Ford Fusion insurance quotes in Boston, click this link.
Car insurance statistics for a Ford Fusion
The information shown next covers estimates of insurance premium costs for Ford Fusion models. Learning a little about how car insurance prices are formulated can benefit drivers when making informed decisions when comparing rate quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion S 4-Dr Sedan | $278 | $510 | $340 | $20 | $102 | $1,250 | $104 |
| Fusion SE 4-Dr Sedan | $314 | $600 | $340 | $20 | $102 | $1,376 | $115 |
| Fusion Hybrid 4-Dr Sedan | $314 | $690 | $426 | $26 | $128 | $1,584 | $132 |
| Fusion SEL 4-Dr Sedan | $314 | $600 | $340 | $20 | $102 | $1,376 | $115 |
| Fusion Sport 4-Dr Sedan | $314 | $600 | $340 | $20 | $102 | $1,376 | $115 |
| Fusion SEL AWD 4-Dr Sedan | $350 | $690 | $340 | $20 | $102 | $1,502 | $125 |
| Fusion Sport AWD 4-Dr Sedan | $350 | $690 | $340 | $20 | $102 | $1,502 | $125 |
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Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Massachusetts minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Information does not factor in specific location which can influence coverage rates considerably.
Higher deductibles save money
One of the more difficult decisions when buying car insurance is where to set your physical damage deductibles. The data tables below can help show the rate fluctuation when you choose different deductibles. The first data table uses a $100 deductible for physical damage and the second price table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion S 4-Dr Sedan | $288 | $520 | $334 | $20 | $100 | $1,287 | $107 |
| Fusion SE 4-Dr Sedan | $324 | $612 | $334 | $20 | $100 | $1,415 | $118 |
| Fusion Hybrid 4-Dr Sedan | $324 | $704 | $418 | $24 | $126 | $1,621 | $135 |
| Fusion SEL 4-Dr Sedan | $324 | $612 | $334 | $20 | $100 | $1,415 | $118 |
| Fusion Sport 4-Dr Sedan | $324 | $612 | $334 | $20 | $100 | $1,415 | $118 |
| Fusion SEL AWD 4-Dr Sedan | $362 | $704 | $334 | $20 | $100 | $1,545 | $129 |
| Fusion Sport AWD 4-Dr Sedan | $362 | $704 | $334 | $20 | $100 | $1,545 | $129 |
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| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion S 4-Dr Sedan | $160 | $274 | $334 | $20 | $100 | $888 | $74 |
| Fusion SE 4-Dr Sedan | $180 | $322 | $334 | $20 | $100 | $956 | $80 |
| Fusion Hybrid 4-Dr Sedan | $180 | $372 | $418 | $24 | $126 | $1,120 | $93 |
| Fusion SEL 4-Dr Sedan | $180 | $322 | $334 | $20 | $100 | $956 | $80 |
| Fusion Sport 4-Dr Sedan | $180 | $322 | $334 | $20 | $100 | $956 | $80 |
| Fusion SEL AWD 4-Dr Sedan | $200 | $372 | $334 | $20 | $100 | $1,026 | $86 |
| Fusion Sport AWD 4-Dr Sedan | $200 | $372 | $334 | $20 | $100 | $1,026 | $86 |
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Massachusetts minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Premium costs do not factor in Boston location which can lower or raise rates noticeably.
Based on the figures above, using a $100 deductible will cost you roughly $39 more each month or $468 a year across all Ford Fusion models than opting for the higher $1,000 deductible. Due to the fact that you would have to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you go at a minimum 23 months between claims, you would most likely save money by going with a higher deductible.
Driving violations and accidents
The chart below shows how traffic citations and at-fault fender-benders can raise Ford Fusion insurance costs for different age groups of insureds. The premiums are based on a single female driver, comprehensive and collision coverage, $100 deductibles, and no policy discounts are applied.
Comparison of car insurance rates by gender and age
The diagram below illustrates the difference between Ford Fusion car insurance rates for male and female drivers. The prices are based on no driving violations, no at-fault accidents, comprehensive and collision coverage, $1,000 deductibles, drivers are not married, and no discounts are factored in.
Cost difference between full coverage and liability
The illustration below visualizes the comparison of Ford Fusion annual premium costs with and without full coverage. The premium estimates are based on no violations or accidents, $1,000 deductibles, drivers are not married, and no discounts are applied.
When to stop buying full coverage
There is no clear-cut rule to stop buying physical damage coverage on your policy, but there is a guideline you can use. If the annual cost of having full coverage is 10% or more of the replacement cost minus the deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s say your Ford Fusion claim settlement value is $7,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company would pay you is $6,000 after paying your deductible. If you are paying more than $600 annually for full coverage, then it might be time to consider dropping full coverage.
There are some cases where dropping full coverage is not advised. If you still have a loan on your vehicle, you have to carry full coverage in order to prevent your loan from defaulting. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should keep full coverage.
Ratings for Massachusetts auto insurance companies
Finding a highly-rated insurance company can be challenging considering how many different insurance companies sell coverage in Massachusetts. The ranking information below can help you pick which insurers to look at buying from.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| The General | 96 | 100 | 92 | 91% | A- | 95 |
| Mercury Insurance | 87 | 96 | 100 | 87% | A+ | 93.4 |
| Titan Insurance | 87 | 96 | 94 | 93% | A+ | 92.9 |
| The Hartford | 88 | 96 | 91 | 93% | A+ | 92.6 |
| Progressive | 84 | 94 | 99 | 90% | A+ | 92.4 |
| Travelers | 84 | 93 | 100 | 87% | A++ | 92.3 |
| State Farm | 84 | 93 | 95 | 87% | A++ | 91 |
| Farmers Insurance | 87 | 92 | 90 | 85% | A | 90.6 |
| Safeco Insurance | 85 | 91 | 87 | 86% | A | 88.4 |
| USAA | 71 | 93 | 98 | 87% | A++ | 88 |
| GEICO | 73 | 93 | 95 | 85% | A++ | 87.1 |
| 21st Century | 85 | 85 | 91 | 89% | A | 86.9 |
| Liberty Mutual | 72 | 91 | 97 | 83% | A | 86.4 |
| AAA Insurance | 85 | 85 | 88 | 86% | A | 85.8 |
| Nationwide | 71 | 90 | 93 | 83% | A+ | 84.9 |
| Allstate | 69 | 92 | 92 | 83% | A+ | 84.4 |
| American Family | 77 | 96 | 80 | 85% | A | 83.8 |
| Esurance | 70 | 80 | 89 | 77% | A+ | 79.2 |
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Data Source: Insure.com Best Car Insurance Companies
Ford Fusion Insurance Rates Can Be Lower
Many things are part of the equation when premium rates are determined. Some factors are common sense like an MVR report, although some other factors are not quite as obvious such as your credit history or your vehicle rating.
- Discounts for multiple policies – Most larger insurance companies will award better rates to people who buy several policies from them, otherwise known as a multi-policy discount. Discounts can amount to anywhere from five to ten percent in most cases. Even if you’re getting this discount drivers will still want to compare other Boston Fusion insurance rates to make sure you are getting the best deal.There is a chance you can find better rates even if you insure with multiple companies
- Increase physical damage deductibles to save – Coverage for physical damage, also called comprehensive and collision insurance, is used to repair damage to your vehicle. Some examples of covered claims would be a dented fender, vandalism, and burglary. Your deductibles define the amount you are willing to pay before your car insurance pays a claim. The more expense you are required to pay out-of-pocket, the better rate you will receive.
- Save money by having responsible credit – Having a good credit history is a big factor in calculating your premium rate. If your credit rating could use some work, you may save money insuring your Ford Fusion by improving your credit score. Consumers who have high credit scores tend to be better drivers and file fewer claims than drivers with poor credit.
- Keep the miles off and save – The higher the mileage driven each year the higher the price you pay to insure it. The majority of insurers calculate rates based upon how much you drive. Autos that do not get driven very much can be on a lower rate level than vehicles that have high annual mileage. Incorrect rating for your Fusion can cost quite a bit. It’s a smart idea to ensure your policy properly reflects the right rating data.
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Ford Fusion insurance loss statistics – Insurance companies factor in historical loss data to help set a rate to offset losses. Models that the statistics show to have a higher amount or frequency of claims will have higher premium rates.
The table below demonstrates the historical loss data for Ford Fusion vehicles. For each coverage category, the statistical loss for all vehicles, regardless of make, model or trim level, is a value of 100. Values below 100 imply a favorable loss record, while values that are above 100 indicate higher probability of having a loss or an increased probability of a larger loss.
Insurance Loss Ratings for Ford Fusion Vehicles Vehicle 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 BETTERAVERAGEWORSEData Source: Insurance Institute for Highway Safety for 2013-2015 Model Years