Do you need a fast way to compare the cheapest Ford Fusion Hybrid insurance in Fort Wayne? Trying to find cheaper insurance for your Ford Fusion Hybrid in Indiana can normally be difficult, but you can learn the following methods to save time. There are both good and bad ways to find auto insurance online and you need to know the best way to quote coverages on a Ford and find the lowest price either online or from Fort Wayne insurance agents.
Most larger insurance companies like Progressive, Allstate and GEICO allow consumers to get insurance quotes from their websites. Comparing Ford Fusion Hybrid insurance rates online is pretty easy because it’s just a matter of typing in your required coverages into a form. When the form is submitted, their system will obtain reports for credit and driving violations and returns pricing information.
This streamlines rate comparisons, and it’s also necessary to have as many quotes as possible in order to get lower-cost auto insurance pricing.
To fill out one form to compare multiple rates now, compare rates now from the companies shown below. To compare your current rates, we recommend you input the coverage information as shown on your current policy. Using the same limits helps guarantee you will get a rate comparison for the exact same coverage.
The companies shown below are ready to provide quotes in Fort Wayne, IN. To buy cheap car insurance in Fort Wayne, IN, we recommend you visit two to three different companies to get the cheapest price.
Ford Fusion Hybrid insurance analysis
The information below showcases different coverage prices for Ford Fusion Hybrid models. Understanding more about how insurance quotes are calculated is important for you to make decisions on which coverage to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion Hybrid 4-Dr Sedan | $192 | $452 | $456 | $28 | $136 | $1,264 | $105 |
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Data rating is based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Indiana minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Rate information does not factor in specific garaging location which can increase or decrease rates considerably.
Policy deductibles
One common question asked by Fort Wayne drivers is which deductible level should you buy. The figures shown below may help to illustrate how much more you’ll pay between high and low physical damage deductibles. The first rate estimation uses a $100 deductible and the second price grid uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion Hybrid 4-Dr Sedan | $272 | $592 | $350 | $20 | $106 | $1,365 | $114 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion Hybrid 4-Dr Sedan | $200 | $400 | $350 | $20 | $106 | $1,076 | $90 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Premium amounts do not factor in specific Fort Wayne garaging location which can alter prices substantially.
Based on these figures, using a $100 deductible costs approximately $24 more each month or $288 annually than choosing the higher $500 deductible. Since you would pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you tend to have at least 17 months between claims, you would probably save some money if you choose the higher deductible.
How to calculate when to raise deductibles
| Average monthly premium for $100 deductibles: | $114 |
| Average monthly premium for $500 deductibles (subtract): | – $90 |
| Monthly savings from raising deductible: | $24 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $24 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 17 months |
An important thing to remember is that raising deductibles means you will have to cover more of the damage yourself when you do file a claim. That will force you to have enough disposable income in the event you have to pay the deductible for vehicle repair.
Full coverage versus liability-only
The information below illustrates the comparison of Ford Fusion Hybrid insurance prices with and without physical damage coverage. The premiums are based on no violations or claims, $500 deductibles, marital status is single, and no additional discounts are factored in.
When to stop buying physical damage coverage
There is no specific rule to stop paying for physical damage insurance, but there is a broad guideline. If the yearly cost for physical damage coverage is more than 10% of the replacement cost minus the deductible, the it may be a good time to stop paying for full coverage.
For example, let’s say your Ford Fusion Hybrid replacement value is $9,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, you would only receive $8,000 after the policy deductible has been paid. If premiums are more than $800 annually for physical damage coverage, then you might want to think about dropping full coverage.
There are a few cases where dropping physical damage coverage is not recommended. If you have an outstanding loan on your vehicle, you have to carry full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should not opt for liability only.
When in doubt talk to an agent
When quoting and choosing your policy, there really is not a one-size-fits-all type of policy. Your financial needs are unique and your policy should reflect that.
Here are some questions about coverages that might help in determining if your insurance needs will benefit from professional help.
- How can I find cheaper teen driver insurance?
- Should I put collision coverage on all my vehicles?
- Am I covered if I drive in a foreign country?
- What is an umbrella policy?
- Does my insurance cover my expensive audio equipment?
- Who is covered when they drive my Ford Fusion Hybrid?
If you can’t answer these questions then you might want to talk to an agent. To find an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area. It’s fast, free and can provide invaluable advice.
Local Fort Wayne car insurance agents
Some consumers still like to have an agent’s advice and there is nothing wrong with that. Most agents can help determine the best coverages and help submit paperwork. One of the great benefits of getting online price quotes is that drivers can save money and get cheap car insurance rates and also buy local.
To find an agent, once you fill out this simple form, your information is sent to insurance agents in Fort Wayne that give free quotes and help you find cheaper coverage. There is no reason to drive around since price quotes are sent to you. If you need to quote rates from a specific company, don’t hesitate to go to their quote page and fill out the quote form the provide.
Finding the right company should include more criteria than just a cheap price. Here are some questions you might want to ask.
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Are claims handled at the agent’s location?
- What company holds the largest book of business for them?
- How often do they review policy coverages?
- Do you work with a CSR or direct with the agent?
- How much training do they have in personal risk management?
If you want to buy car insurance from a local agent, there are a couple of different types of agencies and how they can write your policy. Car insurance agents are classified as either exclusive or independent agents depending on their company appointments. Both sell affordable car insurance policies, but we need to point out how they are different since it can impact which type of agent you select.
Exclusive Car Insurance Agencies
Agents that choose to be exclusive can only write with one company like Allstate and State Farm. Exclusive agencies are unable to provide other company’s prices so always compare other rates. Exclusive insurance agents receive extensive training on what they offer which helps them sell insurance even at higher premiums. Consumers frequently choose to use a exclusive agent primarily because of loyalty to the company rather than having the cheapest rates.
Shown below is a list of exclusive agencies in Fort Wayne that can give you rate quotes.
- Farmers Insurance – Larry Elliott
7529 W Jefferson Blvd – Fort Wayne, IN 46804 – (260) 434-1952 – View Map - Allstate Insurance: Paul Michaylo
2416 Getz Rd – Fort Wayne, IN 46804 – (260) 459-1700 – View Map - Allstate Insurance: Kevin Gwozdz
5721 Covington Rd – Fort Wayne, IN 46804 – (260) 436-2866 – View Map
Independent Car Insurance Agents
Agents that choose to be independent are normally appointed by many insurers so as a result can place your coverage with an assortment of companies and find the cheapest car insurance rates. If prices rise, they can switch companies in-house and you won’t have to switch agencies. When searching for an agent, you absolutely need to compare prices from at a minimum one independent agency to get the best comparison. Most can insure with lesser-known insurance companies which could offer lower prices.
The following is a short list of independent agencies in Fort Wayne that can give you price quotes.
- Imel Insurance
2700 Lower Huntington Rd – Fort Wayne, IN 46809 – (260) 747-6186 – View Map - Stoller-Dunham Insurance Agency
6058 E State Blvd – Fort Wayne, IN 46815 – (260) 749-4970 – View Map - Real Estate Agents Health Insurance Direct
8411 Clinton Park Dr – Fort Wayne, IN 46825 – (855) 343-7344 – View Map