Ford Fusion Insurance Quotes in Lexington

Discount Ford Fusion insuranceBuying the cheapest Lexington Ford Fusion insurance quotes on the internet might seem intimidating for people not familiar with price shopping online. With so many agents and companies in the marketplace, how can people have a chance to compare each option to find cheaper insurance rates?

A recent insurance study discovered that almost 70% of insureds have been with the same company for at least four years, and approximately 40% of consumers have never compared rate quotes at all. Kentucky drivers could save 30% each year by just comparing quotes, but they just don’t understand the amount of savings they would get if they replace their high priced policy.

Locating the best insurance company for you in Lexington can be made easier if you know where to look. If you have coverage now, you stand a good chance to be able to shop for the lowest rates using the ideas covered in this article. But Kentucky drivers should learn the methods companies use to sell online and apply this information to your search.

How to buy Ford Fusion insurance in Lexington, KY

Most larger insurance companies make it easy to get prices for coverage on the web. Doing online quotes for Ford Fusion insurance in Lexington is easy for anyone as you simply enter your required coverages on the page. After the form is submitted, their system sends out for your driving record and credit report and returns pricing information determined by many factors.

Being able to quote online for Ford Fusion insurance in Lexington streamlines rate comparisons, and it is important to have as many quotes as possible if you want to find a better rate.

To save time and compare pricing, compare rate quotes from the providers shown below. If you have a policy now, it’s recommended you duplicate deductibles and limits as shown on your current policy. Using the same limits helps guarantee you will have a fair comparison for similar insurance coverage.

The following companies offer price quotes in Lexington, KY. If you wish to find the best cheap auto insurance in Lexington, KY, we suggest you compare several of them to get the best price comparison.

Rates and data analysis

The price information shown next covers different insurance coverage prices for Ford Fusion models. Being aware of how policy premiums are established can help customers make smart choices when choosing a car insurance company.

Ford Fusion Insurance Rates in Lexington, KY
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $230 $392 $336 $20 $100 $1,078 $90
Fusion SE 4-Dr Sedan $260 $460 $336 $20 $100 $1,176 $98
Fusion Hybrid 4-Dr Sedan $260 $530 $420 $24 $126 $1,360 $113
Fusion SEL 4-Dr Sedan $260 $460 $336 $20 $100 $1,176 $98
Fusion Sport 4-Dr Sedan $260 $460 $336 $20 $100 $1,176 $98
Fusion SEL AWD 4-Dr Sedan $288 $530 $336 $20 $100 $1,274 $106
Fusion Sport AWD 4-Dr Sedan $288 $530 $336 $20 $100 $1,274 $106
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Data variables include married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Kentucky minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Rate quotes do not factor in zip code location which can change prices substantially.

The information below shows how choosing a deductible and can affect Ford Fusion annual premium costs for different age groups. The information is based on a married male driver, comprehensive and collision coverage, and no discounts are applied.

Driving violations and accidents

The diagram below illustrates how violations and accident claims can drive up Ford Fusion insurance prices for each different age category. The premiums are based on a single male driver, comp and collision included, $100 deductibles, and no other discounts are factored in.

Liability only or full coverage

The information below shows the comparison of Ford Fusion car insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in Kentucky. The rates are based on no claims, a clean driving record, $100 deductibles, drivers are single, and no other discounts are factored in.

When to drop full coverage

There is no set guideline of when to drop physical damage coverage on your policy, but there is a general school of thought. If the yearly cost of full coverage is about 10% or more of replacement cost minus your deductible, then it might be time to buy liability only.

For example, let’s say your Ford Fusion replacement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company would pay you is $4,000 after paying the physical damage deductible. If you are currently paying more than $400 a year for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.

There are some scenarios where eliminating full coverage is not advised. If you haven’t paid off your loan, you are required to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should not remove full coverage.

Ten discounts for lower-cost insurance rates

Auto insurance companies don’t necessarily list all discounts in an easy-to-find place, so the next list breaks down a few of the more common and the harder-to-find ways to save on insurance.Cheaper insurance with discounts

Consumers should know that most discounts do not apply to all coverage premiums. Most only cut individual premiums such as physical damage coverage or medical payments. So when it seems like adding up those discounts means a free policy, you won’t be that lucky.

The diagram below compares Ford Fusion yearly insurance costs with and without discounts applied to the policy premium. The premiums are based on a female driver, no claims or driving citations, Kentucky state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, safe-driver, multi-car, multi-policy, and homeowner discounts applied.

A list of companies and a selection of discounts are:

Double check with each company or agent to give you their best rates. Some discounts might not be available to policyholders in every state. To see a list of insurance companies that provide some of the discounts listed above in Lexington, follow this link.

Auto insurance is not optional in Kentucky

Despite the fact that auto insurance is not cheap in Lexington, maintaining insurance may be required for several reasons.

The benefits of having auto insurance more than offset the price you pay, particularly when you have a large claim. In a recent study of 1,000 drivers, the average customer is wasting up to $865 each year so compare quotes from several companies at every renewal to ensure rates are inline.

When to get advice from an insurance agent

Certain consumers just prefer to sit down with an agent and that can be a great decision The best thing about getting online price quotes is that you can obtain better rates and still choose a local agent.

Upon completion of this quick form, your information is sent to agents in your area that provide free Lexington car insurance quotes to get your business. It makes it easy because there is no need to search for any insurance agencies since rate quotes are delivered straight to your inbox. Get lower rates AND a local agent. In the event you want to get a rate quote from one company in particular, you can always find their quoting web page and complete a quote there.

Finding the right provider is decision based upon more than just the quoted price. Any agent in Lexington should have no problem answering these questions:

When looking for a local insurance agency, there are two different types of agencies and how they function. Car insurance policy providers may be either independent agents or exclusive agents.

Exclusive Car Insurance Agencies

Agents in the exclusive channel can only quote rates from one company such as Farmers Insurance, State Farm, Allstate, and AAA. They generally cannot give you multiple price quotes so you need to shop around if the rates are high. Exclusive agencies are trained well on their company’s products which helps them compete with independent agents. A lot of people choose to use a exclusive agent partially due to loyalty to the company rather than having the cheapest rates.

Shown below is a list of exclusive insurance agencies in Lexington that are able to give price quote information.

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Independent Agents (or Brokers)

Independent agencies are not limited to a single company and that is an advantage because they can write policies through many companies and find you the best rates. If your agent finds better pricing, the business is moved internally and you can keep the same agent. When comparing car insurance prices, we recommend you check rates from several independent insurance agents for maximum quote selection. Most also have access to small mutual carriers that many times have cheaper rates.

Shown below are Lexington independent insurance agencies who can help you get rate quotes.

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Car insurance policy coverages for a Ford Fusion

Learning about specific coverages of your car insurance policy can help you determine which coverages you need and the correct deductibles and limits. Car insurance terms can be confusing and coverage can change by endorsement.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for funeral costs, nursing services, surgery and ambulance fees. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover you and your occupants and also covers getting struck while a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and damage to your Ford Fusion.

Due to the fact that many Kentucky drivers only carry the minimum required liability limits (Kentucky limits are 25/50/10), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive auto coverage

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like vandalism, hitting a deer, damage from flooding, theft and hitting a bird. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability coverages

Liability coverage will cover damages or injuries you inflict on other people or property by causing an accident. This insurance protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 25/50/10 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $10,000 paid for damaged property.

Liability can pay for things such as repair bills for other people’s vehicles, court costs and loss of income. How much coverage you buy is your choice, but buy higher limits if possible. Kentucky state law requires minimum liability limits of 25/50/10 but drivers should carry more coverage.

The illustration below shows why buying low liability limits may not be high enough to adequately cover claims.

Coverage for collisions

This coverage covers damage to your Fusion resulting from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as hitting a parking meter, driving through your garage door, colliding with a tree, rolling your car and colliding with another moving vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to bump up the deductible on your Fusion to save money on collision insurance.