Purchasing low-cost Vancouver Ford Fusion insurance quotes may seem to be rather challenging for consumers that are not comfortable with quoting and comparing prices on the web. With such a large number of agents and online companies available, how are we expected to have time to compare all the different companies and get better insurance prices?

Insurance quote for Ford Fusion in VancouverRemarkably, a study showed that a large majority of drivers kept their policy with the same company for at least the last four years, and virtually 40% of consumers have never compared rates to find cheaper insurance. Most drivers in America could save almost 46.5% each year just by comparing rates, but they don't invest the time required to find cheaper insurance by shopping around.

The quickest way to compare rate quotes for Ford Fusion insurance in Vancouver is to know the trick most of the larger companies pay for the opportunity to quote your coverage. To start a quote, the only thing you need to do is provide information like if you lease or own, whether you are single or married, the year, make and model of vehicles, and how your vehicles are used. Your insurance information is then sent to multiple companies and they return quotes instantly to find the best rate.

If you would like to compare rates now, click here and find out if lower rates are available in Vancouver.

The following companies provide free quotes in Washington. If the list has multiple companies, we suggest you visit two to three different companies in order to get a fair rate comparison.

Ford Fusion Insurance Rates in Vancouver, WA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $254 $458 $294 $18 $88 $1,112 $93
Fusion SE 4-Dr Sedan $280 $620 $356 $22 $106 $1,384 $115
Fusion Hybrid 4-Dr Sedan $280 $714 $446 $26 $134 $1,600 $133
Fusion SEL 4-Dr Sedan $274 $610 $384 $22 $114 $1,404 $117
Fusion Sport 4-Dr Sedan $156 $328 $356 $22 $106 $968 $81
Fusion SEL AWD 4-Dr Sedan $220 $432 $278 $16 $82 $1,028 $86
Fusion Sport AWD 4-Dr Sedan $246 $510 $334 $20 $100 $1,210 $101
Get Your Own Custom Quote Go

Table data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Washington minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Price estimates do not factor in zip code location which can impact rates noticeably.

Insurance rate increases from tickets or accidents

The example below illustrates how violations and at-fault collisions can drive up Ford Fusion car insurance rates for different age groups. Data assumes a married female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are taken into consideration.

How much more does full coverage cost?

The example below visualizes the comparison of Ford Fusion insurance prices when comparing full coverage to state minimum liability only. The data is based on a clean driving record, no claims, $1,000 deductibles, married female driver, and no policy discounts are applied.

Should you pay for full coverage?

There is no written rule to delete full coverage on your policy, but there is a guideline you can use. If the annual cost of having full coverage is more than around 10% of replacement cost minus your deductible, then you might consider buying liability only.

For example, let's assume your Ford Fusion book value is $6,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would get paid by your company is $5,000 after you pay the deductible. If you are paying in excess of $500 annually for physical damage coverage, then it may be the right time to buy liability only.

There are some cases where removing full coverage is not advised. If you haven't paid off your loan, you have to keep full coverage to protect the lienholder's interest in the vehicle. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should not drop full coverage.

Ford Fusion annual premiums for males versus females

The information below shows the comparison of Ford Fusion premium costs for male and female drivers. The premiums are based on no accidents or driving violations, full physical damage coverage, $1,000 deductibles, drivers are not married, and no additional discounts are factored in.

These ten discounts can slash Ford Fusion insurance rates

Car insurance can cost a lot, but you may find discounts that can drop the cost substantially. Most are applied at the time of quoting, but a few must be asked about before being credited.Cheaper auto insurance with discounts

Just know that most discounts do not apply to the whole policy. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. Despite the appearance that you could get a free auto insurance policy, it's just not the way it works.

A list of companies and some of the discounts can be read below.

Before purchasing a policy, check with each company which discounts you qualify for. Some of the earlier mentioned discounts may not be available in Vancouver. To see auto insurance companies that have a full spectrum of discounts in Washington, click this link.

Can't I get rate quotes from local Vancouver insurance agents?

Certain consumers prefer to buy from a licensed agent and that can be a great decision One of the best bonuses of getting free rate quotes online is the fact that drivers can get cheap car insurance quotes but also keep your business local. Putting coverage with local agencies is still important in Vancouver.

Vancouver insurance agentsOnce you complete this short form, your coverage information is sent to companies in Vancouver who will give you bids for your coverage. There is no need to contact any insurance agencies due to the fact that quote results will go directly to your email. You can find lower rates and a licensed agent to talk to. If you wish to compare prices for a specific company, you would need to jump over to their website and submit a quote form there.

If you are searching for a reputable insurance agent or broker, it's important to understand the different types of agents to choose from. Vancouver agents can either be exclusive or independent.

Independent Car Insurance Agencies

These agents can sell policies from many different companies so they have the ability to put coverage amongst many companies and potentially find a lower price. If they quote lower rates, the agent simply finds a different carrier and you can keep the same agent.

If you are comparing rate quotes, you will want to get rate quotes from multiple independent agents in order to compare the most rates. They often place coverage with additional companies that you may not be familiar with which can save you money.

The following is a partial list of independent agencies in Vancouver that can possibly get you rate quotes.

More insurance agents

Exclusive Agents

These type of agents can only quote rates from one company and some examples include Allstate, Farmers Insurance or State Farm. They generally cannot provide prices from multiple companies so if the price isn't competitive there isn't much they can do. Exclusive agents are very knowledgeable on the products they sell which helps them sell on service rather than price. Some consumers prefer to choose to use an exclusive agent mostly because of loyalty to the company rather than low price.

Shown below is a list of exclusive insurance agents in Vancouver who can help you get price quotes.

More insurance agents

Finding a good auto insurance agent needs to be determined by more than just a cheap price. The following questions are important to ask.

Protect your Fusion and other assets

Even though it can be expensive, insurance may be required for several reasons.

The benefits of having insurance definitely exceed the cost, especially when you need to use it. Unknowingly, the average driver is overpaying more than $820 a year so you should quote your policy with other companies every year to save money.

Insurance coverage considerations

Learning about specific coverages of your insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Liability car insurance - This coverage protects you from injuries or damage you cause to people or other property. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/10 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $10,000 of coverage for damaged property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims like loss of income, repair bills for other people's vehicles and attorney fees. How much liability coverage do you need? That is up to you, but buy as high a limit as you can afford. Washington requires drivers to carry at least 25/50/10 but you should think about purchasing higher limits.

Comprehensive or Other Than Collision - Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as hitting a deer, vandalism, hail damage and falling objects. The highest amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Medical costs insurance - Med pay and PIP coverage pay for expenses like nursing services, funeral costs, dental work and hospital visits. They can be utilized in addition to your health insurance program or if you do not have health coverage. Medical payments and PIP cover you and your occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and may carry a deductible

UM/UIM Coverage - This gives you protection from other motorists when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Ford Fusion.

Since a lot of drivers have only the minimum liability required by law (25/50/10 in Washington), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Normally these limits are similar to your liability insurance amounts.

Collision coverages - Collision insurance covers damage to your Fusion resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things like hitting a mailbox, colliding with a tree and crashing into a building. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Another option is to increase the deductible on your Fusion to get cheaper collision coverage.

The most affordable rates come from being thorough

Lower-priced Ford Fusion insurance in Vancouver is attainable from both online companies and from local agencies, and you need to comparison shop both to have the best selection. There are still a few companies who may not offer online quoting and many times these regional carriers prefer to sell through independent insurance agencies.

As you restructure your insurance plan, make sure you don't buy lower coverage limits just to save a few bucks. There have been many situations where someone dropped physical damage coverage and discovered at claim time they didn't purchase enough coverage. The aim is to find the BEST coverage at a price you can afford and still be able to protect your assets.

We just covered many ideas to reduce Ford Fusion insurance auto insurance rates online in Vancouver. The most important thing to understand is the more providers you compare, the better your chances of lowering your premium rates. Consumers may even find the best auto insurance rates are with a smaller regional carrier.

Other resources