It’s a known fact that insurance companies don’t want customers comparing rates. Consumers who compare price quotes will, in all likelihood, buy a different policy because of the high probability of finding good coverage at a lower price. A recent insurance study revealed that consumers who faithfully checked for cheaper rates saved $850 each year compared to drivers who never shopped around for lower prices.
If finding low prices for Ford Fusion insurance in Las Vegas is your target objective, then learning a little about how to shop and compare coverage rates can help you succeed in saving money.
The best way to find affordable quotes for Ford Fusion insurance is to make a habit of regularly comparing prices from insurers in Las Vegas.
- First, take a little time to learn about how companies price auto insurance and the steps you can take to prevent expensive coverage. Many things that result in higher prices like accidents, traffic violations, and a not-so-good credit rating can be improved by improving your driving habits or financial responsibility.
- Second, obtain price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only provide price estimates from a single company like Progressive or Allstate, while independent agencies can provide rate quotes from multiple sources.
- Third, compare the new quotes to your current policy to see if switching to a new carrier will save money. If you find better rates and make a switch, make sure coverage is continuous and does not lapse.
- Fourth, provide proper notification to your current company to cancel your current car insurance policy. Submit payment and a signed application to your new insurance company. Once coverage is bound, put the new proof of insurance certificate with the vehicle registration.
The key aspect of shopping around is that you use the same physical damage deductibles and liability limits on every price quote and and to look at every insurance company. This guarantees a level playing field and the best price quote selection.
Best companies for Ford Fusion insurance
The companies shown below have been selected to offer free rate quotes in Las Vegas, NV. If you want the best auto insurance in Las Vegas, it’s a good idea that you get price quotes from several of them to find the most affordable auto insurance rates.
Rate information and statistics
The table displayed below outlines detailed analysis of insurance premium costs for Ford Fusion models. Understanding how auto insurance policy rates are determined can be valuable when making informed purchases.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion S 4-Dr Sedan | $238 | $402 | $308 | $18 | $92 | $1,058 | $88 |
| Fusion SE 4-Dr Sedan | $268 | $472 | $308 | $18 | $92 | $1,158 | $97 |
| Fusion Hybrid 4-Dr Sedan | $268 | $544 | $386 | $22 | $116 | $1,336 | $111 |
| Fusion SEL 4-Dr Sedan | $268 | $472 | $308 | $18 | $92 | $1,158 | $97 |
| Fusion Sport 4-Dr Sedan | $268 | $472 | $308 | $18 | $92 | $1,158 | $97 |
| Fusion SEL AWD 4-Dr Sedan | $300 | $544 | $308 | $18 | $92 | $1,262 | $105 |
| Fusion Sport AWD 4-Dr Sedan | $300 | $544 | $308 | $18 | $92 | $1,262 | $105 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Nevada minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Rates do not factor in the specific area where the vehicle is garaged which can influence coverage rates significantly.
Insurance deductibles
When shopping for insurance, a common question is how high or low should comp and collision deductibles be. The figures shown below summarize the difference in cost between low and high insurance deductibles. The first rate table uses a $100 physical damage coverage deductible and the second data table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion S 4-Dr Sedan | $266 | $478 | $308 | $18 | $92 | $1,187 | $99 |
| Fusion SE 4-Dr Sedan | $300 | $564 | $308 | $18 | $92 | $1,307 | $109 |
| Fusion Hybrid 4-Dr Sedan | $300 | $650 | $386 | $22 | $116 | $1,499 | $125 |
| Fusion SEL 4-Dr Sedan | $300 | $564 | $308 | $18 | $92 | $1,307 | $109 |
| Fusion Sport 4-Dr Sedan | $300 | $564 | $308 | $18 | $92 | $1,307 | $109 |
| Fusion SEL AWD 4-Dr Sedan | $334 | $650 | $308 | $18 | $92 | $1,427 | $119 |
| Fusion Sport AWD 4-Dr Sedan | $334 | $650 | $308 | $18 | $92 | $1,427 | $119 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion S 4-Dr Sedan | $194 | $324 | $308 | $18 | $92 | $936 | $78 |
| Fusion SE 4-Dr Sedan | $218 | $382 | $308 | $18 | $92 | $1,018 | $85 |
| Fusion Hybrid 4-Dr Sedan | $218 | $438 | $386 | $22 | $116 | $1,180 | $98 |
| Fusion SEL 4-Dr Sedan | $218 | $382 | $308 | $18 | $92 | $1,018 | $85 |
| Fusion Sport 4-Dr Sedan | $218 | $382 | $308 | $18 | $92 | $1,018 | $85 |
| Fusion SEL AWD 4-Dr Sedan | $244 | $438 | $308 | $18 | $92 | $1,100 | $92 |
| Fusion Sport AWD 4-Dr Sedan | $244 | $438 | $308 | $18 | $92 | $1,100 | $92 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Price information does not factor in vehicle location which can influence prices substantially.
Based on the figures above, using a $100 deductible costs an average of $25 more each month or $300 annually than selecting the higher $500 deductible. Because you would be required to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you average at least 16 months between claim filings, you would probably be better off if you opt for a higher deductible.
How to calculate if higher deductibles make sense
| Average monthly premium for $100 deductibles: | $113 |
| Average monthly premium for $500 deductibles (subtract): | – $88 |
| Monthly savings from raising deductible: | $25 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $25 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 16 months |
One big caveat is that a higher deductible means you will have to cover more of the damage yourself when you have a comprehensive or collision claim. You will want to have some extra savings in the event you have to pay more for the deductible.
The illustration below illustrates how choosing a deductible and can increase or decrease Ford Fusion insurance costs for different age groups of insureds. The premiums are based on a married male driver, comp and collision included, and no discounts are taken into consideration.
Safe drivers pay less for insurance
The illustration below highlights how speeding tickets and fender-benders can raise Ford Fusion insurance prices for different age groups of insureds. The rate quotes are based on a married male driver, comp and collision included, $250 deductibles, and no discounts are factored in.
Insurance premiums based on gender
The illustration below shows the comparison of Ford Fusion insurance costs for male and female drivers. The data is based on no driving violations, no at-fault accidents, full physical damage coverage, $250 deductibles, drivers are not married, and no policy discounts are applied.
Ford Fusion liability-only versus full coverage
The illustration below shows the difference between Ford Fusion insurance premiums with full coverage compared to only the Nevada minimum liability coverage. The premiums assume no tickets, no at-fault accidents, $100 deductibles, single marital status, and no discounts are applied to the premium.
When to eliminate full coverage
There is no set guideline that is best for determining when to drop full coverage, but there is a general school of thought. If the annual cost of your full coverage insurance is more than around 10% of the replacement cost minus the deductible, then it might be time to buy liability only.
For example, let’s assume your Ford Fusion settlement value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most you would receive is $7,000 after the policy deductible has been paid. If you are currently paying more than $700 annually for your policy with full coverage, the it may be a good time to stop paying for full coverage.
There are some situations where only buying liability is not advised. If you haven’t satisfied your loan, you have to keep full coverage to satisfy the loan requirements. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should keep full coverage in place.
Las Vegas auto insurance discounts
Auto insurance is expensive, but discounts can save money and there are some available to cut the cost considerably. Certain discounts will be applied when you purchase, but occasionally some discounts must be asked about before you will receive the discount.
- More Vehicles More Savings – Buying insurance for primary and secondary vehicles with the same auto insurance company can reduce the rates for all insured vehicles.
- Data Collection Discounts – Las Vegas drivers who agree to allow their insurance company to scrutinize when and where they use their vehicle by installing a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive could possibly reduce rates if they show good driving skills.
- Pay Upfront and Save – If you pay your bill all at once instead of paying each month you could save 5% or more.
- Discounts for Seat Belt Usage – Buckling up and requiring all passengers to fasten their seat belts could cut 10% or more on the premium charged for medical payments and/or PIP.
- Buy New and Save – Buying insurance coverage on a new vehicle can cost up to 25% less compared to insuring an older model.
- Lower Rates for Military – Having an actively deployed family member can result in better rates.
As a disclaimer on discounts, most credits do not apply to the overall cost of the policy. The majority will only reduce individual premiums such as medical payments or collision. Even though the math looks like adding up those discounts means a free policy, companies don’t profit that way. Any amount of discount will positively reduce your auto insurance premiums.
The diagram below visualizes the comparison of Ford Fusion insurance prices with and without discounts applied to the policy premium. The information is based on a female driver, no claims or violations, Nevada 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, homeowner, multi-policy, multi-car, safe-driver, and marriage discounts applied.
For a list of insurers with discount auto insurance rates in Las Vegas, follow this link.
Car insurance is unique, just like you
When selecting adequate coverage for your vehicles, there is no single plan that fits everyone. Everyone’s situation is unique so your insurance needs to address that. Here are some questions about coverages that may help highlight whether or not you might need professional guidance.
- What is glass protection for?
- If my car is totaled with they pay enough to replace it?
- Is pet coverage available?
- Should I buy only the required Nevada minimum liability coverage?
- Am I covered if I drive in a foreign country?
- What if I don’t agree with a claim settlement offer?
- Who is covered when they drive my Ford Fusion?
- Are there companies who specialize in insuring high-risk drivers?
If you’re not sure about those questions then you might want to talk to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and you can get the answers you need.
Compare prices but buy from a local Las Vegas insurance agent
Some consumers just want to get advice from a local agent and that can be a great decision Professional agents are highly skilled in risk management and help file insurance claims. An additional benefit of getting online price quotes is that you can obtain the best rates and still choose a local agent.
To make it easy to find an agent, after completing this short form, your information gets sent to local insurance agents in Las Vegas who will gladly provide quotes for your insurance coverage. You won’t even need to contact an agency because prices are sent to you instantly. If for some reason you want to get a price quote from a particular provider, just visit that company’s website and fill out their quote form.
Finding the right company requires you to look at more than just a cheap price. These questions are important to ask:
- Does the company allow you to choose your own collision repair facility?
- Does their agency support local causes in Las Vegas?
- Do you work with a CSR or direct with the agent?
- Is assistance available after office hours?
- What insurance companies do they recommend if they are an independent agent?
- How long have they been in business?
- Will a damage claim use OEM or aftermarket replacement parts?
The type of car insurance agent you choose is important
If you prefer to buy insurance from local Las Vegas agents, it’s important to understand the types of agencies to choose from. Insurance agents may be either independent agents or exclusive agents. Both can do a good job, but it’s a good idea to understand the difference in how they write coverage since it may influence your selection of an agent.
Exclusive Insurance Agencies
Agents of this type can only write with one company like Farmers Insurance, State Farm, or Allstate. They are unable to place coverage with different providers so if the price isn’t competitive there isn’t much they can do. Exclusive agents are trained well on what they offer which helps overcome the inability to quote other rates. Some insured continue to choose to use a exclusive agent mostly because of the brand legacy rather than having the cheapest rates.
The following are exclusive agents in Las Vegas that are able to give price quotes.
- David Habart – State Farm Insurance Agent
2035 Village Center Cir #100 – Las Vegas, NV 89134 – (702) 851-2400 – View Map - State Farm: Eric James
1350 E Flamingo Rd #14 – Las Vegas, NV 89119 – (702) 836-0953 – View Map - Tod Young – State Farm Insurance Agent
7450 W Cheyenne Ave #105 – Las Vegas, NV 89129 – (702) 367-4900 – View Map
Independent Insurance Agents
Independent insurance agents are not required to write business for one company and that enables them to quote your coverage through many different insurance companies and possibly get better coverage at lower prices. If your agent finds better pricing, they simply switch companies in-house and you don’t have to switch agencies.
If you are trying to find cheaper rates, you absolutely need to compare quotes from independent agents to get the most accurate price comparison. They also have the ability to place coverage with small regional insurance companies which could offer lower prices.
Listed below are independent agencies in Las Vegas who can help you get comparison quotes.
- Family Trust Insurance, LLC
6420 W Spring Mountain Rd #20 – Las Vegas, NV 89146 – (702) 212-3838 – View Map - Las Vegas Auto Insurance
1953 N Decatur Blvd – Las Vegas, NV 89108 – (702) 570-5777 – View Map - Estrella Auto Insurance
2349 E Bonanza Rd – Las Vegas, NV 89101 – (702) 671-4081 – View Map
How to find a good Nevada auto insurance company
Finding a good quality car insurance provider can be rather challenging considering how many companies sell coverage in Las Vegas. The company rank data listed below may help you select which auto insurers you want to consider when comparing rate quotes.
Top 10 Las Vegas Car Insurance Companies Ranked by Value
- USAA
- American Family
- The Hartford
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Mercury Insurance
- Nationwide
- Safeco
Top 10 Las Vegas Car Insurance Companies Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- The Hartford – 89%
- GEICO – 89%
- 21st Century – 88%
- Liberty Mutual – 88%
- Allstate – 88%
Auto insurance savings summarized
Throughout this article, we presented a lot of information how to compare Ford Fusion insurance prices in Las Vegas. The most important thing to understand is the more providers you compare, the better likelihood of getting low cost Las Vegas car insurance quotes. You may even be surprised to find that the biggest savings come from a company that doesn’t do a lot of advertising. These smaller insurers often have lower rates on specific markets than their larger competitors like GEICO and State Farm.
As you quote Las Vegas car insurance, never buy lower coverage limits just to save a few bucks. In many instances, someone dropped liability coverage limits only to discover later that their decision to reduce coverage ended up costing them more. Your objective should be to buy enough coverage at an affordable rate while not skimping on critical coverages.
There are still a few companies who may not have the ability to get quotes online and many times these small, regional companies sell through independent agencies. Lower-priced Ford Fusion insurance in Las Vegas is attainable from both online companies as well as from independent agents in Las Vegas, and you should be comparing both to have the best chance of lowering rates.
Additional auto insurance information can be read at the links below
- Five Tips to Save on Auto Insurance (Insurance Information Institute)
- Who Has the Cheapest Auto Insurance Quotes for Drivers Over Age 70 in Las Vegas? (FAQ)
- Who Has the Cheapest Auto Insurance for Low Mileage Drivers in Las Vegas? (FAQ)
- Who Has Affordable Auto Insurance Rates for Drivers Requiring a SR22 in Las Vegas? (FAQ)
- Who Has the Cheapest Las Vegas Auto Insurance Rates for State Employees? (FAQ)
- Tread Depth and Tire Safety (State Farm)
- New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)
- How Much Auto Coverage do I Need? (Insurance Information Institute)