Buying economical car insurance for a Ford Fusion in Massachusetts is dependent upon a whole bunch of factors such as whether you are single or married, your geographic location, and any driving offenses on your record. Drivers pay around $1,017 annually for Fusion insurance, but that is an approximation using a 30-year-old single male driver with full physical damage coverage and $1,000 deductibles.
It’s highly likely you are not 30 years old and maybe not even male, you might be married instead of single, or maybe you’re a renter instead of a homeowner. Car insurance coverage is unique to each driver, so this is why the best way to find cheap insurance prices for your Ford is to do a thorough rate comparison. In just a couple of minutes you will be able to see rates from some of the most affordable companies that offer coverage in Massachusetts.
The specific model of Fusion will likely have an effect on the cost of insurance, so the rate you pay to insure a Fusion S 4-Dr Sedan trim level will be $144 less expensive the insurance cost for the fancier Fusion Sport AWD 4-Dr Sedan trim level, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Fusion S 4-Dr Sedan||$182||$274||$438||$26||$132||$1,052||$88|
|Fusion SE 4-Dr Sedan||$206||$322||$438||$26||$132||$1,124||$94|
|Fusion Hybrid 4-Dr Sedan||$206||$372||$548||$32||$164||$1,322||$110|
|Fusion SEL 4-Dr Sedan||$206||$322||$438||$26||$132||$1,124||$94|
|Fusion Sport 4-Dr Sedan||$206||$322||$438||$26||$132||$1,124||$94|
|Fusion SEL AWD 4-Dr Sedan||$228||$372||$438||$26||$132||$1,196||$100|
|Fusion Sport AWD 4-Dr Sedan||$228||$372||$438||$26||$132||$1,196||$100|
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Data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Massachusetts minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Estimates do not factor in Boston location which can impact rates greatly.
Trying to buy reasonably-priced auto insurance is not most people’s favorite thing to do, and deciding which company quotes the cheapest auto insurance rates for a Ford Fusion will take even more perseverance.
Every insurance provider has a different formula to set premium rates, so we’ll go over the auto insurance companies with the most affordable rates in Boston. Keep in mind that Boston auto insurance rates are influenced by many factors that control the price you have to pay for coverage. Things like getting older, filing a claim, or getting caught speeding can trigger rate changes that may make certain companies more expensive than before.
Best Car Insurance Prices for Your Fusion
|Rank||Company||Cost Per Year|
|2||National Grange Mutual||$807|
|9||Norfolk and Dedham||$1,036|
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State Farm offers some of the lowest car insurance rates in Boston at around $719 each year. This is $516 less than the average rate paid by Massachusetts drivers of $1,235. National Grange Mutual, GEICO, Commerce Group, and OneBeacon also make the cut as some of the most economical Boston, MA auto insurance companies.
As shown above, if you are a policyholder with Commerce Group and switched to National Grange Mutual, you could see an annual premium reduction of roughly $95. Customers with OneBeacon may save as much as $105 a year, and Progressive customers might realize rate reductions of up to $192 a year.
These policy rates are averaged across all drivers and vehicles in Massachusetts and and are not calculated with an exact zip code location for a Ford Fusion. So the insurer that is most affordable for your situation may not even be in the top 21 companies shown above. That points out the importance of why you need to compare rates from as many companies as possible using your own personal information and vehicle type.
How accidents and tickets impact rates
The ideal way to earn the cheapest auto insurance rates in Boston for a Fusion is to drive attentively and avoid traffic citations and accidents. The illustration below illustrates how traffic citations and at-fault collisions influence annual premium costs for different age categories. The prices are based on a single female driver, full physical damage coverage, $250 deductibles, and no discounts are factored in.
In the prior example, the average cost of car insurance in Massachusetts per year with no violations or accidents is $2,148. Add in two speeding tickets and the average cost swells to $2,890, an increase of $742 each year. Now throw in two accidents along with the two speeding tickets and the 12-month cost of auto insurance for a Ford Fusion increases to an average of $5,522. That’s an increase of $3,374, or $281 per month, just for not maintaining a clean driving record!
Who has the cheapest Fusion insurance?
Massachusetts auto insurance rates are influenced by many factors that can increase your annual premium. Turning one year older, increasing liability limits, or getting a ticket for running a stop sign may generate price changes that can cause some rates to be more affordable than competitors. Not only may your risk profile change, but auto insurance companies file new Massachusetts auto insurance rates at least once a year in order to maintain liquidity for claims. A period of increased losses can result in more expensive prices, while better underwriting can produce cheaper Fusion insurance rates.
The bar chart below shows the cheapest car insurance in Boston, MA for a 45-year-old female driver with no violations or accidents, and good credit. If we compare prices based on her personal profile, State Farm may have the best car insurance rates in Boston at $934 per year. This is $301 less than the average price paid by Massachusetts drivers of $1,235. National Grange Mutual, GEICO, Commerce Group, and OneBeacon are also included in the cheapest Boston, MA auto insurance companies.
The example below compares rates after we give the driver from the first rate comparison a couple of claims, a lower credit score, and a stop sign violation. Since every car insurance company has a proprietary formula to set policy rates, analyzing rate quotes could now result in a different ranking of the cheapest Boston car insurance companies as shown below.
Arbella now has the cheapest car insurance in Boston, MA with USAA, Norfolk and Dedham, National Grange Mutual, and Amica also having competitive pricing. This illustrates why it is critical to compare lots of rates when trying to get affordable car insurance rates for a Ford Fusion.
Rates are calculated by many things and change substantially, so the cheapest rate the last time you shopped around may now be priced much higher than other options.
How to find cheaper insurance for a Ford Fusion
Lowering your rates is not difficult, and here are some of the better penny-pinching ideas that can help Boston drivers get cheaper coverage.
- Save money by obeying traffic laws and keeping a clean driving record
- If possible, pay for small claims out-of-pocket
- Having at-fault accidents will increase rates
- Bundle home and auto and save
- Safer vehicles cost less to insure
- Keep rates low by shopping around frequently
The last tip in the list is highly vital, as was affirmed in this article. Prices charged by companies fluctuate constantly, so don’t hesitate to change insurance companies if you can find a cheaper rate.
Having a favorite company is fine, but it’s not a great idea if that devotion results in you overpaying lots of hard earned cash every month. It only takes a couple minutes to compare prices to find cheaper insurance for a Ford Fusion in Boston.