Auto Insurance Quotes for a Ford Fusion in Orlando

It takes a little time, but the best way to get the cheapest Ford Fusion insurance in Orlando is to compare quotes annually from different companies in Florida. You can shop around by following these steps.

1. Read about car insurance and the changes you can make to drop your rates. Many rating factors that drive up the price such as at-fault accidents, speeding tickets, and poor credit history can be improved by being financially responsible and driving safely.
2. Compare rates from direct, independent, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from one company like GEICO or Farmers Insurance, while independent agencies can quote rates from multiple companies.
3. Compare the new rate quotes to your existing policy to see if a cheaper rate is available in Orlando. If you find a lower rate, ensure coverage does not lapse between policies.

An important part of this process is to try to use identical limits and deductibles on each quote and to quote with every insurance company. Doing this helps ensure a fair price comparison and plenty of rates choose from.

It’s astonishing, but the vast majority of insurance customers in Florida have been with the same company for a minimum of four years, and virtually 40% of consumers have never shopped around. Many consumers in the U.S. could save an average of roughly 47% each year by just comparing quotes, but they don’t invest the time required to do a rate comparison.

Auto insurance providers offering low-cost rates in Florida

The companies shown below have been selected to offer free quotes in Orlando, FL. If you wish to find the best car insurance in Orlando, we suggest you get rates from several of them to find the most affordable auto insurance rates.

Ford Fusion insurance rate analysis

The premium table shown below highlights detailed analysis of coverage prices for Ford Fusion models. Learning as much as possible about how auto insurance premiums are figured is important to be able to make informed decisions when comparing rate quotes.

Data rating is based on married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Estimates do not factor in specific location which can alter rates greatly.

Higher deductibles lower rates

One of the more difficult decisions when buying car insurance is where to set your physical damage deductibles. The rates below can help show the costs and benefits when you select higher and lower physical damage deductibles. The first price estimate table uses a $250 comprehensive and collision deductible and the second set of prices uses a $500 deductible.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Rate information does not factor in your specific Orlando location which can impact premiums considerably.

Based on this data, using a $250 deductible will cost you about $18 more each month or $216 each year than buying the higher $500 deductible. Since you would pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you normally go at least 14 months between claim filings, you would save more money if you elect the higher deductible.

One big caveat is that a higher deductible means you will have to pay more of your own money if you have a claim. You should have enough money in the bank in order to pay more to get your vehicle repaired.

Does it make sense to buy full coverage?

The example below illustrates the difference between Ford Fusion car insurance rates with full physical damage coverage compared to only buying liability only. The rates are based on a clean driving record, no at-fault accidents, $1,000 deductibles, drivers are single, and no policy discounts are applied.

Are you wasting money on full coverage?

There is no set guideline for excluding comp and collision coverage, but there is a broad guideline. If the annual cost of your full coverage insurance is 10% or more of the replacement cost of your vehicle minus the policy deductible, then it could be time to drop full coverage.

For example, let’s pretend your Ford Fusion settlement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $6,000 after you pay the deductible. If it’s costing in excess of $600 a year to have full coverage, then it might be time to buy liability only.

There are some scenarios where only buying liability is not a good plan. If you haven’t satisfied your loan, you have to keep full coverage to protect the lienholder’s interest. 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 on your policy.

Companies offer lots of discounts on Ford Fusion insurance in Orlando

Auto insurance is easily one of your largest bills, but there could be significant discounts that could help you make your next renewal payment. Some trigger automatically at the time of purchase, but a few must be asked about prior to receiving the credit. If you do not check that you are getting every discount you deserve, you could be saving more on your auto insurance.

• Seat Belt Usage – Drivers who require all vehicle occupants to use a seat belt could save 15% on the medical payments or PIP coverage costs.
• Discount for Life Insurance – Larger auto insurance companies have lower prices if you buy some life insurance too.
• Multi-car Discount – Purchasing coverage when you have multiple cars or trucks on one policy may reduce the rate for each vehicle.
• Bundle and Save – When you have multiple policies with the same insurance company you may earn up to 20% and get you the cheapest Ford Fusion insurance in Orlando.
• Driver’s Ed – It’s a good idea to have your young drivers enroll and complete driver’s education if it’s offered in school.
• Theft Deterrent System – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and will save you 10% or more on Fusion insurance in Orlando.
• Passive Restraints – Options like air bags or automatic seat belts may earn rate discounts of 20 to 30 percent.
• Anti-lock Brakes – Cars equipped with ABS or steering control are safer to drive so you can save 10 percent or more.

You should keep in mind that many deductions do not apply to the whole policy. Most only reduce the price of certain insurance coverages like medical payments or collision. So when it seems like having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.

The chart below compares Ford Fusion insurance costs with and without discounts applied to the premium. The premiums are based on a male driver, no violations or claims, Florida state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, safe-driver, marriage, claim-free, and multi-policy discounts applied.

The best auto insurance companies and some of the discounts are:

• Progressive policyholders can earn discounts including good student, online signing, homeowner, multi-vehicle, online quote discount, and multi-policy.
• AAA discounts include AAA membership discount, anti-theft, education and occupation, good student, and pay-in-full.
• Farmers Insurance includes discounts for good student, electronic funds transfer, alternative fuel, distant student, bundle discounts, and pay in full.
• GEICO has discounts for daytime running lights, driver training, seat belt use, emergency military deployment, and membership and employees.
• Esurance may offer discounts for paid-in-full, homeowner, defensive driver, anti-lock brakes, emergency road assistance, and Pac-12 alumni.
• SAFECO offers discounts for drive less, accident prevention training, multi-car, teen safe driver, teen safety rewards, safe driver, and anti-theft.
• State Farm offers discounts including good student, multiple autos, multiple policy, safe vehicle, accident-free, student away at school, and passive restraint.

Before purchasing a policy, check with each company the best way to save money. Discounts might not be offered in every state.

Different people need different car insurance coverages

Keep in mind that when it comes to choosing the right insurance coverage, there really isn’t a “best” method to buy coverage. Each situation is unique.

Here are some questions about coverages that may help highlight whether you would benefit from an agent’s advice.

• Should I drop comprehensive coverage on older vehicles?
• How can I find cheaper teen driver insurance?
• Where can I find high-risk insurance?
• Do I need rental car coverage?
• Is my business laptop covered if it gets stolen from my vehicle?
• Am I covered when renting a car or should I buy coverage from the car rental agency?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an agent. If you don’t have a local agent, complete this form.

Compare prices but work with a local Orlando insurance agent

A small number of people would prefer to sit down with an agent and often times that is recommended A good thing about comparing rate quotes online is you may find cheap car insurance rates but still work with a licensed agent.

To make it easy to find an agent, after completing this short form, your insurance coverage information is submitted to companies in Orlando who will give you quotes and help you find cheaper coverage. It’s much easier because you don’t need to contact any agents because prices are sent immediately to your email address. You can find the lowest rates and work with a local agent. If for some reason you want to get a comparison quote from one company in particular, you can always go to their quote page to submit a rate quote request.

Picking the best provider is decision based upon more than just a cheap price. These are valid questions to ask:

• How would your car be valued if totaled?
• Will they give you a referral list?
• Do they have designations such as AIC, CPCU, or CIC?
• Can you choose the body shop in case repairs are needed?
• Who is covered by the car insurance policy?

Independent or Exclusive: It’s your choice

If you want to buy car insurance from local Orlando agents, it’s important to understand the different agency structures that differ in how they can insure your vehicles. Insurance agencies in Orlando are classified as either exclusive or independent.

Exclusive Insurance Agencies

Exclusive agents can usually just insure with one company and examples are Allstate, Farmers Insurance or State Farm. These agents are not able to compare other company’s rates so they have no alternatives for high prices. Exclusive insurance agents are usually quite knowledgeable on sales techniques which helps them sell insurance even at higher premiums.

The following is a list of exclusive insurance agents in Orlando who can help you get price quote information.

More insurance agents

Independent Car Insurance Agents

Independent insurance agents can sell policies from many different companies and that allows them to write policies with an assortment of companies enabling the ability to shop coverage around. If your agent finds better pricing, your agent can switch companies and you don’t have to do anything. When comparing car insurance rates, you definitely need to get insurance quotes from independent agents so that you have a good selection of quotes to compare.

The following is a list of independent agencies in Orlando willing to provide price quote information.

More insurance agents

How to find a good Orlando car insurance company

Finding the top company is difficult considering how many choices there are in Orlando. The company information displayed below can help you analyze which companies you want to consider purchasing a policy from.

Top 10 Orlando Car Insurance Companies Ranked by Value

1. Mercury Insurance
2. Travelers
3. American Family
4. AAA Insurance
5. Safeco Insurance
6. Progressive
7. The Hartford
8. The General
9. 21st Century
10. Esurance

Compare but don’t skimp

Cost effective Ford Fusion insurance is available on the web in addition to many Orlando insurance agents, so you need to shop Orlando car insurance with both in order to have the best chance of saving money. Some insurance providers do not offer online price quotes and usually these smaller providers provide coverage only through local independent agents.

When trying to cut insurance costs, it’s very important that you do not skimp on coverage in order to save money. There are too many instances where an accident victim reduced full coverage only to find out that the small savings ended up costing them much more. Your goal should be to get the best coverage possible at the lowest possible cost but still have enough coverage for asset protection.

People switch companies for any number of reasons including being labeled a high risk driver, lack of trust in their agent, delays in responding to claim requests and denial of a claim. It doesn’t matter why you want to switch switching companies can be pretty painless.

For more information, take a look at the following helpful articles:

• Auto Insurance FAQ (Farmers Insurance)
• Who Has Cheap Orlando Car Insurance Rates for a Ford Escape? (FAQ)
• Who Has Affordable Auto Insurance for a Toyota Tacoma in Orlando? (FAQ)
• Who Has Affordable Orlando Auto Insurance for Used Cars? (FAQ)
• What Insurance is Cheapest for a Chevrolet Silverado in Orlando? (FAQ)
• How Much are Orlando Auto Insurance Quotes for Unemployed Drivers? (FAQ)
• Get the Right Protection (InsureUonline.org)
• How do I File a Claim? (Insurance Information Institute)