Finding competitive insurance for a Ford Fusion is pretty straightforward, but it is dependent upon a lot of factors such as when you were born, the likelihood of your vehicle being stolen, and any prior driving citations you have received. Colorado drivers pay on average $1,126 per year to insure their Fusion, but that cost is a valuation calculated using a 50-year-old married female driver with full coverage and $100 deductibles.
If we were betting, you aren't exactly 50 years old or even a female, single instead of married, or maybe you just want different deductibles. Just a slight change in rating criteria may result in a big change in the coverage rate.
This example demonstrates why the best way to find cheap insurance prices for your Ford is to just compare rates yourself. It only takes a couple of minutes and you will receive price comparisons from the best companies in Colorado.
Your Ford's trim level impacts the insurance rate, so the price you will pay to insure a Fusion S 4-Dr Sedan model will cost $220 less than the cost to insure the more expensive Fusion Sport AWD 4-Dr Sedan model, as shown by the rates below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Fusion S 4-Dr Sedan||$232||$454||$330||$20||$98||$1,134||$95|
|Fusion SE 4-Dr Sedan||$262||$534||$330||$20||$98||$1,244||$104|
|Fusion Hybrid 4-Dr Sedan||$262||$614||$412||$24||$124||$1,436||$120|
|Fusion SEL 4-Dr Sedan||$262||$534||$330||$20||$98||$1,244||$104|
|Fusion Sport 4-Dr Sedan||$262||$534||$330||$20||$98||$1,244||$104|
|Fusion SEL AWD 4-Dr Sedan||$292||$614||$330||$20||$98||$1,354||$113|
|Fusion Sport AWD 4-Dr Sedan||$292||$614||$330||$20||$98||$1,354||$113|
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Price data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Premium costs do not factor in vehicle location which can increase or decrease insurance rates greatly.
Finding a highly-rated insurance provider is difficult considering how many different companies there are to choose from in Colorado. The information in the next section can help you decide which car insurance companies you want to consider purchasing from.
These ratings only include large nationwide companies, so companies that have a smaller presence are not factored into these rankings. To compare price quotes from these top-rated insurers and more, follow this link.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
Discounts on Colorado car insurance rates
Auto insurance companies that sell policies for a Ford Fusion may additionally offer price discounts that can lower rates by 35% or more if you are eligible to receive them. Popular car insurance companies and some of the premium reductions they offer are included below.
- State Farm includes discounts for driver's education, good driver, multiple policy, safe vehicle, and good student.
- American Family offers premium reductions for early bird, air bags, bundled insurance, Steer into Savings, mySafetyValet, and TimeAway discount.
- AAA has savings for good student, AAA membership discount, good driver, anti-theft, education and occupation, multi-car, and pay-in-full.
- GEICO policyholders can earn discounts including membership and employees, emergency military deployment, seat belt use, multi-policy, anti-lock brakes, and good student.
- Mercury Insurance offers discounts including type of vehicle, multi-car, multi-policy, professional/association, age of vehicle, good driver, and location of vehicle.
- Farmers Insurance discounts include good student, electronic funds transfer, bundle discounts, mature driver, and business and professional.
- Progressive has discounts for multi-policy, homeowner, online signing, continuous coverage, good student, multi-vehicle, and online quote discount.
The chart below visualizes the comparison of insurance premiums with and without some available policy discounts. The data is based on a male driver, no accidents, no driving violations, Colorado state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with passive restraint, multiple policy, anti-theft, accident-free, vehicle safety, and safe-driver discounts applied. When drivers take advantage of discounts, the the amount saved on car insurance for a Ford Fusion is 28% or $786.
Difference between full coverage and liability only rates
Buying cheaper car insurance should be important to the majority of people, and one of the best ways to buy cheap insurance for a Ford Fusion in Colorado is to not insure for full coverage. The diagram below shows the comparison of premium costs with full physical damage coverage compared to only buying the minimum liability limits required in Colorado. The price estimates are based on no claims or driving violations, $1,000 deductibles, marital status is single, and no policy discounts are applied.
As an average, comprehensive and collision coverage on your policy costs $1,988 per year over and above liability only. Many drivers will wonder when is the right time to remove full coverage. There is no definitive guideline to eliminate physical damage coverage on your policy, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is about 10% or more of the settlement you would receive from your company, then you may want to consider only buying liability coverage.
Drive responsibly or pay higher rates
The easiest way to maintain the most affordable car insurance rates in Colorado for a Fusion is to be a careful driver and avoid getting tickets or having accidents. The diagram below demonstrates how traffic citations and at-fault collisions drive up insurance costs for different categories of driver ages. The price estimates are based on a married female driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied to the premium.
In the previous chart, the average cost of car insurance in Colorado per year with no accidents or violations is $1,525. Add in two speeding tickets and the average cost hikes up to $2,164, an increase of $640 each year. Then add in two accidents along with the two speeding tickets and the annual cost of car insurance for a Ford Fusion in Colorado goes up to an average of $4,654. That's an increase of $3,129, or $261 per month, just for not paying attention while driving!