Want to know an easy way to compare cheaper Ford Fusion insurance in Tacoma? Feel like you're a prisoner to overpriced Ford Fusion insurance in Tacoma? You're preaching to the choir because many Tacoma drivers have buyer's remorse.
It's shocking but nearly 70% of consumers have stayed with the same insurance company for a minimum of four years, and nearly 40% of drivers have never shopped around. Consumers in Washington can cut their rates by as much as 40% a year by just comparing rate quotes, but they don't know the actual amount they would save if they moved their coverage to a different company. Because there are so many choices for buying cheap insurance for a Ford Fusion in Tacoma, it is very difficult to pick the right car insurance company.
Reducing your Ford Fusion insurance rates is not a difficult process. You just need to take the time getting comparison quotes online from several insurance companies.
Comparison shopping rates online is easy and it makes it a waste of time to waste gas driving to local Tacoma insurance agencies. The internet has made agencies unnecessary unless you have a need for the professional advice of a local agency. You can, however, compare the best prices online but still have the advice of a local agent.
The companies shown below are ready to provide price quotes in Washington. If the list has multiple companies, it's a good idea that you click on several of them to get a more complete price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Fusion S 4-Dr Sedan||$108||$200||$278||$16||$82||$684||$57|
|Fusion SE 4-Dr Sedan||$180||$358||$334||$20||$100||$992||$83|
|Fusion Hybrid 4-Dr Sedan||$286||$622||$368||$22||$110||$1,408||$117|
|Fusion SEL 4-Dr Sedan||$200||$412||$384||$22||$114||$1,132||$94|
|Fusion Sport 4-Dr Sedan||$190||$336||$304||$18||$90||$938||$78|
|Fusion SEL AWD 4-Dr Sedan||$182||$356||$282||$16||$84||$920||$77|
|Fusion Sport AWD 4-Dr Sedan||$364||$622||$386||$22||$116||$1,510||$126|
|Get Your Own Custom Quote Go|
Premium data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Washington minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Prices do not factor in your specific Tacoma location which can lower or raise premiums significantly.
Ford Fusion liability-only versus full coverage
The information below shows the comparison of Ford Fusion car insurance rates with liability coverage only compared to full coverage. The rates are based on no accidents, no driving violations, $250 deductibles, single male driver, and no discounts are factored in.
When to eliminate full coverage
There is no exact rule to exclude full coverage, but there is a general guideline you can use. If the annual cost of coverage is more than around 10% of the vehicle's replacement cost less your deductible, then you might consider buying liability only.
For example, let's say your Ford Fusion replacement cost is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, you would only receive $2,000 after you pay the deductible. If it's costing in excess of $200 a year for your policy with full coverage, the it may be a good time to stop paying for full coverage.
There are some circumstances where dropping physical damage coverage is not advised. If you haven't paid off your loan, you must maintain physical damage coverage to satisfy the loan requirements. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should keep full coverage in place.
The example below demonstrates how choosing different deductibles and can increase or decrease Ford Fusion insurance premiums for different age categories. The data is based on a married male driver, full coverage, and no discounts are applied.
When it comes to buying your policy for your personal vehicles, there is no one-size-fits-all type of policy. Each situation is unique.
These are some specific questions could help you determine if your insurance needs will benefit from professional help.
- Does my insurance cover my expensive audio equipment?
- What if I don't agree with a claim settlement offer?
- Can I rate high risk drivers on liability-only vehicles?
- When should I not buy collision coverage?
- When should I have rental car coverage?
- When would I need additional glass coverage?
- Can my babysitter drive my car?
- If I use my vehicle for business use is it covered?
- How much liability do I need to cover my assets?
If it's difficult to answer those questions, you might consider talking to a licensed agent. If you don't have a local agent, simply complete this short form. It's fast, doesn't cost anything and can help protect your family.
When should I contact an insurance agent?
Certain consumers would rather sit down and talk to an agent and that can be a great decision Good insurance agents can help you build your policy and give you someone to call. One of the great benefits of comparing rate quotes online is you can get cheap rate quotes and still choose a local agent.
After completing this quick form, the coverage information is emailed to participating agents in Tacoma who will return price quotes for your coverage. It's much easier because you don't need to contact any agents since price quotes are sent to you instantly. In the event you want to compare rates from one company in particular, feel free to go to their quote page and give them your coverage information.
Finding the right insurer should depend on more than just the premium amount. The questions below may impact your decision as well.
- Is the coverage adequate for your vehicle?
- What insurance companies do they recommend if they are an independent agent?
- How does the company pay claims for a total loss?
- If you have an accident, will your rates go up?
- How often do they review policy coverages?
- Are they actively involved in the community?
- Is every driver in your family covered?
Different types of Tacoma car insurance agents
If you want a reliable agent, you must know there are a couple different types of agents to choose from. Insurance agencies in Tacoma are either independent agents or exclusive agents depending on their employer. Either type can handle auto insurance, but it's worth learning the difference in the companies they write for since it can impact the kind of agent you use.
Exclusive Insurance Agents
Exclusive agents normally can only provide a single company's rates such as Allstate, Farmers Insurance, State Farm, and AAA. They generally cannot shop your coverage around so they have to upsell other benefits. Exclusive agencies are usually quite knowledgeable on what they offer which helps overcome the inability to quote other rates.
The following is a list of exclusive insurance agencies in Tacoma willing to provide comparison quotes.
Independent Auto Insurance Agencies
Agents of this type do not work for one specific company so they can quote policies with multiple insurance companies and possibly get better coverage at lower prices. To move your coverage to a new company, the agent simply finds a different carrier and you stay with the same agent.
If you need cheaper auto insurance rates, you absolutely need to contact several independent agencies to ensure the widest selection of prices.
Below are Tacoma independent agencies willing to provide comparison quotes.
Washington SR22 Insurance - Select Insurance Group
I-705 - Tacoma, WA 98402 - (877) 949-7873 - View Map
A and A Car Insurance
Tacoma, WA 98402 - Tacoma, WA 98402 - (253) 272-2044 - View Map