What Car Insurance is Cheapest for a Ford Fusion in Seattle?

Finding competitive coverage for a Ford Fusion in Washington hinges on an enormous amount of rating factors such as how long your commute is, where your vehicle is garaged, and your choice of deductibles. Drivers in Washington pay around $877 annually for Fusion insurance, but that figure is an approximation calculated based on a 30-year-old married female driver with full coverage and $500 deductibles.

It’s more than likely you are not 30 years old and maybe not even female, single instead of married, and maybe you want higher deductibles. Everyone has unique insurance needs, and this illustrates why the only way to find the cheapest rates for your Ford is to compare as many rates as possible. Quotes only take a couple of minutes and you will receive prices from the best companies around.

Compare Ford Fusion Insurance Rates

Your vehicle’s trim level tends to have a direct impact on the annual cost of coverage, so the price you will pay to insure a Fusion S 4-Dr Sedan model will be $154 less expensive the price to insure the more costly Fusion Sport AWD 4-Dr Sedan model, as demonstrated by the prices below.

Data variables include married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Estimates do not factor in garaging location in Seattle which can increase or decrease premiums noticeably.

Choosing the top insurance company can be challenging considering how many choices there are in Washington. The company rank data below can help you select which insurers to look at when shopping your coverage around.

The ratings below only include major nationwide insurance companies, so companies that focus mainly on Washington business are not included in this list. To compare prices from the most competitive companies in Washington, click this link.

Top 10 Large Auto Insurers in Seattle Ranked by Claims Service

1. State Farm
2. Esurance
3. AAA Insurance
4. Progressive
5. GEICO
6. Liberty Mutual
7. Allstate
8. Titan Insurance
9. The Hartford
10. The General

Top 10 Large Auto Insurers in Seattle Ranked by Customer Service

1. GEICO
2. State Farm
3. The Hartford
4. The General
5. Progressive
6. Allstate
7. AAA Insurance
8. American Family
9. Nationwide
10. Liberty Mutual

The example below illustrates how choosing a deductible can affect insurance costs when researching cheap insurance for a Ford Fusion. The data assumes a single male driver, full coverage, and no discounts are applied.

The data above shows that a 30-year-old driver could reduce rates by $378 a year by changing from a $100 deductible up to a $500 deductible, or save $572 by selecting a $1,000 deductible. Even younger insureds, like the Age 20 category, could lower their rates as much as $1,116 every year just by using higher deductibles. When insureds make the decision to increase the deductibles on their policy, it’s a good idea to have spare funds to allow you to pay the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.

Careless driving habits raise Seattle auto insurance rates

One of the best ways to snag affordable auto insurance rates in Washington for a Fusion is to drive safe and maintain a clean driving record. The information below demonstrates how traffic citations and at-fault claims impact insurance rates for different categories of driver ages. The premiums are based on a single male driver, full coverage, $1,000 deductibles, and no additional discounts are factored in.

In the previous chart, the average cost of car insurance in Seattle per year with no accidents and a clean driving record is $1,673. Receive two speeding tickets and the average cost swells to $2,209, an increase of $536 each year. Now include one accident along with the two speeding tickets and the 12-month cost of auto insurance for a Ford Fusion increases to an average of $2,754. That’s an increase of $1,081, or $90 per month, just for not driving attentively!

How to find budget-friendly insurance for a Ford Fusion

It’s not impossible to find cheaper rates, and here are a few penny-pinching solutions that can help you quote lower-cost auto insurance.

• Increase your deductibles
• Better credit rating means better rates
• Tickets and violations raise rates
• Buy a vehicle with excellent safety ratings
• Having at-fault accidents will increase rates
• Compare rates regularly to ensure the best deal

The last tip in the list is particularly valuable, as was discussed in this write-up. Insurance rates in Seattle can be adjusted at any time, so drivers shouldn’t be resistant to buy a different policy if a more affordable price is available.

Having a favorite company is fine, but is isn’t recommended if that faithfulness ends up costing you potentially thousands of dollars a year. Spend a few minutes and compare prices and find cheaper insurance for a Ford Fusion.

The agencies below can help you decide which car insurance company is the best fit, as some drivers aren’t sure which coverage they need and prefer to have a consultation when trying to find lower insurance rates for a Fusion. It’s not always easy to find the best policy yourself, and getting advice from a licensed agent can provide satisfaction knowing your policy gives you enough coverage if you have a claim. To find a Seattle insurance agent nearest to you, click the button following the list.

More insurance agents in Seattle, WA