Do you want to save money by buying more competitive Ford Fusion insurance in Tucson? Are you regretting buying an overpriced auto insurance policy? It’s a common feeling and many consumers are feeling buyer’s remorse and feel like there’s no way out.
We don’t have to point out that fact that car insurance companies don’t want customers comparing rates. Insureds who shop around for cheaper price quotes will presumably switch auto insurance companies because there are good odds of finding a policy with more affordable rates. A recent survey found that people who compared rate quotes regularly saved approximately $860 a year compared to people who don’t make a habit of comparing rates.
If finding the cheapest rates on Ford Fusion insurance is the reason you’re reading this, then having some knowledge of how to choose a company and compare insurance rates can make it easier to shop your coverage around. Many insurers compete to insure your vehicles, so it’s not easy to compare every insurance company to find the absolute best price available on Ford Fusion insurance in Tucson.
You should take the time to take a look at other company’s rates quite often since insurance prices are adjusted regularly by insurance companies. Even if you think you had the lowest rates on Ford Fusion insurance in Tucson at your last renewal you may be paying too much now. Forget all the misinformation about auto insurance because you’re about to learn the best methods to find better coverage on Ford Fusion insurance in Tucson at a better price.
The quickest method to get rate comparisons for Ford Fusion insurance in Tucson is to know the trick auto insurance companies participate in online systems to compare their rates. The one thing you need to do is give them some information such as if the car is leased, whether you drive to work or school, how much you drive, and how old drivers are. That rating information gets transmitted to insurance carriers in your area and you should receive rate quotes with very little delay.
To find lower lower-cost Ford Fusion insurance rates now, click here and enter the information requested.
The companies in the list below have been selected to offer free rate quotes in Tucson, AZ. To locate the best cheap car insurance in AZ, we suggest you get price quotes from several of them in order to find the most affordable rates.
Ford Fusion coverage statistics
The data table displayed below highlights different prices for Ford Fusion models. Having a good understanding how insurance policy premiums are formulated can help customers make smart choices when purchasing an insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion S 4-Dr Sedan | $162 | $308 | $314 | $18 | $94 | $896 | $75 |
| Fusion SE 4-Dr Sedan | $182 | $364 | $314 | $18 | $94 | $972 | $81 |
| Fusion Hybrid 4-Dr Sedan | $182 | $418 | $394 | $24 | $118 | $1,136 | $95 |
| Fusion SEL 4-Dr Sedan | $182 | $364 | $314 | $18 | $94 | $972 | $81 |
| Fusion Sport 4-Dr Sedan | $182 | $364 | $314 | $18 | $94 | $972 | $81 |
| Fusion SEL AWD 4-Dr Sedan | $204 | $418 | $314 | $18 | $94 | $1,048 | $87 |
| Fusion Sport AWD 4-Dr Sedan | $204 | $418 | $314 | $18 | $94 | $1,048 | $87 |
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Table data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Rate quotes do not factor in Tucson location which can impact rates significantly.
The information below illustrates how your choice of deductibles and can affect Ford Fusion annual premium costs for each different age group. The rate quotes are based on a married female driver, full coverage, and no other discounts are factored in.
Safe drivers pay less for auto insurance
The diagram below shows how traffic citations and accidents raise Ford Fusion auto insurance costs for each different age category. The price estimates are based on a married male driver, full physical damage coverage, $500 deductibles, and no additional discounts are factored in.
Should you buy full coverage?
The diagram below shows the comparison of Ford Fusion insurance rates with full coverage compared to only the Arizona minimum liability coverage. Data assumes a clean driving record, no claims, $250 deductibles, marital status is single, and no other discounts are factored in.
When to stop buying full coverage
There is no exact formula to exclude comprehensive and collision coverage on your policy, but there is a general guideline. If the annual cost of comprehensive and collision coverage is 10% or more of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.
For example, let’s assume your Ford Fusion claim settlement value is $5,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $4,000 after the policy deductible has been paid. If premium cost is more than $400 a year for comprehensive and collision coverage, then you may need to consider dropping full coverage.
There are some conditions where dropping full coverage is not in your best interest. If you have an outstanding loan on your vehicle, you are required to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should maintain full coverage.
When should I get advice from an agent?
Certain consumers just want to go talk to an agent and doing so can bring peace of mind Good agents are very good at helping people manage risk and will help you if you have claims. The biggest benefit of comparing car insurance online is you may find the best rates and also buy local. Buying from and supporting neighborhood insurance agencies is still important in Tucson.
To make it easy to find an agent, after completing this quick form, your coverage information gets sent to insurance agents in Tucson who will give competitive quotes to get your business. There is no need to search for any insurance agencies because prices are sent directly to you. If you have a need to compare rates for a specific company, you just need to navigate to their website and fill out their quote form.
Multiple types of auto insurance agents in Tucson
When researching local Tucson agents, you need to know there are two types of insurance agents from which to choose. Insurance agencies in Tucson can either be exclusive or independent (non-exclusive). Both can insure your vehicles, but it’s important to point out how they differ because it can factor into the type of agent you choose.
Independent Car Insurance Agents
Independent agencies are not locked into one company and that gives them the ability to insure with any number of different companies and possibly get better coverage at lower prices. To move your coverage to a new company, they simply switch companies in-house and you don’t have to switch agencies. When searching for an agent, you will want to get rate quotes from at least one independent agent for maximum quote selection.
Below is a short list of independent agencies in Tucson who may be able to give you free rate quotes.
Pacific International Insurance, LLC
2193 N Camino Principal – Tucson, AZ 85715 – (520) 886-3066 – View Map
HalSi Insurance Services
7670 E Broadway Blvd #250 – Tucson, AZ 85710 – (520) 296-7881 – View Map
DM Lovitt Insurance Agency
607 N 6th Ave – Tucson, AZ 85705 – (520) 798-1888 – View Map
Exclusive Agents
Agents of this type can only provide pricing for a single company and examples are State Farm, AAA, and Liberty Mutual. They are unable to shop your coverage around so always compare other rates. Exclusive agents are usually well trained on what they offer which helps them sell on service rather than price.
Listed below are exclusive insurance agents in Tucson that can give you price quote information.
GEICO Insurance Agent
3255 E Speedway Blvd – Tucson, AZ 85716 – (520) 747-4223 – View Map
Tim Hill – State Farm Insurance Agent
727 N Swan Rd – Tucson, AZ 85711 – (520) 321-1333 – View Map
Merrie Connon – State Farm Insurance Agent
10222 E Rita Rd #110 – Tucson, AZ 85747 – (520) 574-3223 – View Map
Choosing an auto insurance agent requires more thought than just the premium amount. Here are some questions you might want to ask.
- When do they do policy reviews?
- Do you qualify for any additional discounts?
- Is there a local claims center in Tucson?
- Is the quote a firm price?
- What are the financial ratings for the companies they represent?
- Which insurance companies are they affiliated with?
- Do they get extra compensation for selling add-on coverages?
- How long have they been in business?
Auto insurance companies ranked
Insuring your vehicle with the top insurance company can be challenging considering how many choices there are in Arizona. The ranking data in the lists below could help you pick which insurers you want to consider buying from.
Top 10 Tucson Car Insurance Companies Ranked by Claims Service
- State Farm
- Esurance
- AAA Insurance
- GEICO
- Liberty Mutual
- Progressive
- Allstate
- Titan Insurance
- The Hartford
- Mercury Insurance