Who Has Affordable Philadelphia Car Insurance Quotes for a Ford Fusion?

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Ford Fusion insurance cost
Ford Fusion insurance cost image courtesy of QuoteInspector.com

Finding cheap auto insurance for a Ford Fusion depends on a lot of factors such as whether you use your Fusion for business use, your credit status, and your choice of physical damage deductibles. Drivers in Pennsylvania pay on average $1,112 each year to insure their Fusion, but that price is an estimate based upon a 30-year-old married female driver with full coverage and $250 deductibles.

There's a high likelihood you are not 30 years old and maybe not even female, possibly single instead of married, or maybe you don't qualify for the same discounts. Each driver's needs are different, and that demonstrates why the only real way to find cheap insurance rates for your Ford is to do a thorough rate comparison. Do a quick rate comparison now and you will receive rate quotes from some of the best insurers that offer coverage in Pennsylvania.

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Your Ford's trim level can impact the coverage cost, so the price you will pay to insure a Fusion S 4-Dr Sedan model will be $214 cheaper than the insurance cost for the more costly Fusion Sport AWD 4-Dr Sedan version, as shown in the table below.

Ford Fusion Insurance Rates in Philadelphia, PA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $246 $420 $336 $20 $100 $1,122 $94
Fusion SE 4-Dr Sedan $278 $494 $336 $20 $100 $1,228 $102
Fusion Hybrid 4-Dr Sedan $278 $570 $420 $24 $126 $1,418 $118
Fusion SEL 4-Dr Sedan $278 $494 $336 $20 $100 $1,228 $102
Fusion Sport 4-Dr Sedan $278 $494 $336 $20 $100 $1,228 $102
Fusion SEL AWD 4-Dr Sedan $310 $570 $336 $20 $100 $1,336 $111
Fusion Sport AWD 4-Dr Sedan $310 $570 $336 $20 $100 $1,336 $111
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Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Premium amounts do not factor in specific zip code location which can affect prices noticeably.

Philadelphia auto insurance companies

Finding the top car insurance provider is hard considering how many companies there are in Philadelphia. The information in the lists below could help you select which companies to look at when shopping car insurance rates for a Ford Fusion. The ratings below only include large nationwide companies, so companies that may only write in Pennsylvania are not factored into the list.

Top 10 Large Auto Insurers in Philadelphia Ranked by A.M. Best Rating

  1. USAA - A++
  2. GEICO - A++
  3. Travelers - A++
  4. State Farm - A++
  5. Allstate - A+
  6. Nationwide - A+
  7. Esurance - A+
  8. Erie Insurance - A+
  9. Progressive - A+
  10. Titan Insurance - A+

Cost difference between full coverage and liability

Saving money on auto insurance should be important to most vehicle owners, and one way to find cheap insurance for a Ford Fusion is to not buy comprehensive and collision coverage. The chart below shows the comparison of annual premium costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The rate quotes are based on no claims or driving violations, $500 deductibles, drivers are single, and no discounts are factored in.

If the expense is averaged for all age categories, full coverage on your policy costs an extra $1,985 per year more than carrying just liability coverage. At some point, about every driver wonders if buying full coverage is a good investment. There is no definitive formula to stop paying for comprehensive and collision coverage on your policy, but there is a general convention. If the annual cost of your full coverage insurance is about 10% or more of the vehicle's replacement cost less your deductible, then it may be the right time to buy liability only.

For example, let's assume your vehicle's settlement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would receive is $4,000 after you pay the deductible. If you are paying over $400 annually for full coverage, then you might want to consider buying only liability coverage.

There are some circumstances where dropping full coverage is not financially feasible. If you still have a lienholder on your title, you are required to maintain full coverage in order to keep the loan. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should not remove full coverage.

Discounts on Philadelphia insurance rates

Save on auto insurance for a Fusion in PhiladelphiaCar insurance companies that offer coverage for a Ford Fusion may also offer special discounts that can reduce rates by as much as 35% if you are eligible. A list of companies and the discounts they provide can be read below.

The chart below shows the difference between insurance rates with and without some available policy discounts. Data assumes a male driver, no claims, a clean driving record, Pennsylvania state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with claim-free, passive restraint, vehicle safety, marriage, anti-theft, and accident-free discounts applied. When discounts are applied, the average amount saved each year on auto insurance for a Ford Fusion is 28% or $666.

Why you are probably overpaying for Fusion insurance

Pennsylvania auto insurance rates are based on many factors that can increase the price of your policy. Improving your credit score, buying higher coverage limits, or getting a couple of tickets can trigger changes in premium resulting in some companies being more affordable than others.

In addition, car insurance companies file new Pennsylvania car insurance rates every year or even multiple times each year to ensure their profitability. An extended period of higher than normal claims can result in higher priced premiums, while profitable underwriting may cause cheaper Fusion insurance rates.

To illustrate this point, the graph below shows which companies have the cheapest car insurance in Philadelphia, PA for a 45-year-old male driver with no accidents, a clean driving record, and a decent credit rating. When quoting prices based on his current situation, General Casualty may have the most affordable car insurance rates in Philadelphia at $1,752 per year. This is $95 more than the average policy premium paid by Pennsylvania drivers of $1,657. Travelers, USAA, Erie, and Penn National are the remaining most affordable Philadelphia, PA auto insurance companies.

The example below compares rates after we give the driver from above some claims, poor credit, and a stop sign violation. Because every insurance company has a unique formula for determining rates, comparing insurance quotes could now result in a significantly different list of the cheapest companies as shown below.

Auto-Owners now has the lowest price in Philadelphia, PA with Atlantic States, USAA, Donegal Mutual, and Travelers now rounding out the top five. This example illustrates why it is important to compare as many rates as possible when trying to get the lowest insurance rates for a Ford Fusion. Insurance prices are determined by many risk factors and can decrease or increase without notice, so the most economical company the last time you checked may now be quite expensive.

How to find economical insurance for a Ford Fusion

The list below details a few thrifty ideas that can help drivers buy cheap car insurance.

The last tip is incredibly valuable, as was stressed in the prior information. Car insurance prices vary considerably, so don't be unwilling to switch carriers if a cheaper price is available. Sticking with a specific company is fine, but is isn't recommended if your bullheadedness ends up costing you a lot of money every month. It only takes a couple minutes to compare prices and find cheaper car insurance for a Ford Fusion in Philadelphia.