Auto Insurance Quotes for a Ford Fusion in Las Vegas

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.

Insurance rates Ford Fusion in Las VegasThe best way to find affordable quotes for Ford Fusion insurance is to make a habit of regularly comparing prices from insurers in Las Vegas.

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.

Ford Fusion Insurance Rates in Las Vegas, NV
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
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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.

Ford Fusion insurance premium estimates with $100 deductibles
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
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Ford Fusion insurance premium estimates with $500 deductibles
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
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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.

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.

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.

Insurance agency in Las VegasTo 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:

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.

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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.

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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

  1. USAA
  2. American Family
  3. The Hartford
  4. Titan Insurance
  5. The General
  6. AAA Insurance
  7. State Farm
  8. Mercury Insurance
  9. Nationwide
  10. Safeco

Top 10 Las Vegas Car Insurance Companies Ranked by Customer Satisfaction

  1. Titan Insurance – 95%
  2. USAA – 94%
  3. AAA Insurance – 91%
  4. Nationwide – 90%
  5. State Farm – 90%
  6. The Hartford – 89%
  7. GEICO – 89%
  8. 21st Century – 88%
  9. Liberty Mutual – 88%
  10. 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