Searching for low-cost insurance for a new or used Ford Fusion in Colorado could be a painful process, but you can learn a few tricks to make it easier.

There are both good and bad ways to shop for insurance so we're going to tell you the quickest way to compare rates for a new or used Ford and locate the lowest possible price either online or from Aurora insurance agents.

Insurance rates Ford Fusion in AuroraRegrettably, nearly 70% of consumers kept their policy with the same company for a minimum of four years, and nearly the majority have never quoted insurance rates at all. Most drivers in America could save themselves about $850 a year just by shopping around, but they underestimate how much money they would save if they changed companies.

It's important to compare rates periodically because insurance prices are usually higher with each renewal. Even if you got the best deal on Ford Fusion insurance in Aurora last year you may be paying too much now. Forget anything you know (or think you know) about insurance because we're going to demonstrate how to use the internet to find the best coverage while lowering your premiums.

Finding more affordable auto insurance rates is a fairly straight forward process. The only thing you need to do is invest a few minutes to compare rate quotes from different insurance companies.

The auto insurance companies shown below are ready to provide free rate quotes in Aurora, CO. If more than one company is shown, we suggest you visit several of them to find the most affordable auto insurance rates.

Ford Fusion Insurance Estimates in Aurora, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $260 $562 $396 $24 $118 $1,360 $113
Fusion SE 4-Dr Sedan $162 $332 $368 $22 $110 $994 $83
Fusion Hybrid 4-Dr Sedan $226 $460 $452 $26 $136 $1,300 $108
Fusion SEL 4-Dr Sedan $266 $546 $338 $20 $100 $1,270 $106
Fusion Sport 4-Dr Sedan $284 $434 $460 $28 $138 $1,344 $112
Fusion SEL AWD 4-Dr Sedan $240 $390 $460 $28 $138 $1,256 $105
Fusion Sport AWD 4-Dr Sedan $346 $682 $362 $22 $108 $1,520 $127
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Price data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Rates do not factor in specific location which can change coverage rates significantly.

Annual premiums for males compared to females

The illustration below visualizes the comparison of Ford Fusion insurance rates for male and female drivers. The premium estimates are based on a clean driving record, no claims, full physical damage coverage, $250 deductibles, drivers are not married, and no other discounts are factored in.

Deductible comparison

When buying auto insurance, a common question is how high should your deductibles be. The following tables may help to conceptualize the price difference between low and high physical damage deductibles. The first set of prices uses a $100 physical damage deductible and the second price table uses a $500 deductible.

Ford Fusion insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $302 $546 $352 $20 $106 $1,351 $113
Fusion SE 4-Dr Sedan $342 $644 $352 $20 $106 $1,489 $124
Fusion Hybrid 4-Dr Sedan $342 $740 $440 $26 $132 $1,705 $142
Fusion SEL 4-Dr Sedan $342 $644 $352 $20 $106 $1,489 $124
Fusion Sport 4-Dr Sedan $342 $644 $352 $20 $106 $1,489 $124
Fusion SEL AWD 4-Dr Sedan $380 $740 $352 $20 $106 $1,623 $135
Fusion Sport AWD 4-Dr Sedan $380 $740 $352 $20 $106 $1,623 $135
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Ford Fusion insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $220 $368 $352 $20 $106 $1,066 $89
Fusion SE 4-Dr Sedan $250 $434 $352 $20 $106 $1,162 $97
Fusion Hybrid 4-Dr Sedan $250 $500 $440 $26 $132 $1,348 $112
Fusion SEL 4-Dr Sedan $250 $434 $352 $20 $106 $1,162 $97
Fusion Sport 4-Dr Sedan $250 $434 $352 $20 $106 $1,162 $97
Fusion SEL AWD 4-Dr Sedan $278 $500 $352 $20 $106 $1,256 $105
Fusion Sport AWD 4-Dr Sedan $278 $500 $352 $20 $106 $1,256 $105
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Estimates do not factor in Aurora location which can revise premiums noticeably.

Based on these figures, using a $100 deductible costs roughly $28 more each month or $336 a year than requesting the higher $500 deductible. Since you would have to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you tend to go at a minimum 14 months between claim filings, you would probably be better off if you decide on a higher deductible.

Do you need full coverage?

The diagram below visualizes the comparison of Ford Fusion car insurance costs when comparing full coverage to state minimum liability only. The rates are based on no claims or driving violations, $500 deductibles, single male driver, and no discounts are applied to the premium.

When to drop full coverage

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

For example, let's say your Ford Fusion replacement cost is $6,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $5,000 after the policy deductible has been paid. If you are paying more than $500 annually for full coverage, then it's probably a good time to buy liability coverage only.

There are some scenarios where only buying liability is not recommended. If you still owe a portion of the original loan, you are required to maintain full coverage to protect the lienholder's interest in the vehicle. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should not remove full coverage.

Car insurance discounts are available to lower rates

Insuring your fleet can be pricey, but there's a good chance there are discounts to help offset the cost. Most are applied when you complete an application, but some discounts are required to be requested specifically before you get the savings.Cheaper car insurance with discounts

As a sidenote, some of the credits will not apply to all coverage premiums. A few only apply to specific coverage prices like medical payments or collision. So even though they make it sound like you would end up receiving a 100% discount, it just doesn't work that way.

Auto insurance companies that may offer these money-saving discounts are:

When getting free Aurora auto insurance quotes, it's a good idea to all companies you are considering which discounts they offer. Some of the discounts discussed earlier may not be available in every state.

Insurance agent or online?

Many drivers just prefer to buy from a licensed agent and that is not a bad decision Most agents can help you choose the best coverages and will help you if you have claims. The best thing about getting online price quotes is that you can obtain better rates and still buy from a local agent. Buying from local agents is especially important in Aurora.

Insurance agency in AuroraUpon completion of this short form, your information is instantly submitted to local insurance agents who will give you quotes for your business. You don't have to contact any insurance agencies since rate quotes are delivered to you instantly. If you have a need to get a comparison quote from a specific company, feel free to find their quoting web page and submit a quote form there.

If you would like to find a reliable insurance agent, you should know the different agency structures and how they operate. Insurance agents in Aurora can be categorized as either independent (non-exclusive) or exclusive. Either one can sell insurance policies, but it's worth learning the difference between them since it can affect which type of agent you select.

Independent Agents

Independent insurance agents do not sell for just one brand and that enables them to quote your coverage with multiple insurance companies enabling the ability to shop coverage around. If prices rise, they can switch companies in-house and you won't have to switch agencies. If you are comparing rate quotes, you should always contact independent agents in order to have the best price comparison. Most also write with smaller mutual companies which may have better rates.

The following is a list of independent insurance agents in Aurora that may be able to give you rate quotes.

View more Aurora agents

Exclusive Insurance Agents

These agents can only provide one company's prices like Allstate and State Farm. Exclusive agents cannot shop your coverage around so they really need to provide good service. Exclusive insurance agents are usually quite knowledgeable on their company's products and that allows them to sell at a higher price point. Some insured continue to purchase coverage from exclusives partially due to loyalty to the company rather than having low rates.

Below are Aurora exclusive agencies that can give you price quote information.

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Picking the best insurance agency shouldn't rely on just a cheap price quote. A good agent in Aurora will have answers to these questions.

Upon getting positive responses for all questions you ask as well as cheaper Fusion insurance quotes, you have narrowed it down to an auto insurance agent that is professional and can properly service your insurance policy. But remember, it's your policy and you can cancel your policy at any point so don't think that you're stuck with the insurance policy for the full term.

Situations that may require an agent's advice

Always remember that when buying coverage online or from an agent, there really isn't a single plan that fits everyone. Each situation is unique and a cookie cutter policy won't apply.Higher deductibles save money For example, these questions may help you determine whether or not you would benefit from professional advice.

If you can't answer these questions but one or more may apply to you, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance companies in your area. It's fast, doesn't cost anything and you can get the answers you need.

You Can Change Your Insurance Costs

Many things are considered when quoting car insurance. A few of the factors are predictable like an MVR report, although others are more obscure like your continuous coverage or how safe your car is.

Only buy what you need - There are many extra add-on coverages that can add up if you don't pay attention. Things like roadside assistance, death and dismemberment, and extra equipment coverage may not be needed and are just wasting money. You may think they are a good idea when buying your policy, but if you have no use for them remove them from your policy.

How do annual miles impact rates? - Driving a lot of miles in a year the higher your rate. Most companies apply a rate determined by how the vehicle is used. Autos not used for work or commuting qualify for better rates than those that get driven frequently. It's a smart idea to ensure your car insurance declarations sheet reflects the correct usage for each vehicle, because it can save money. An improperly rated Fusion can cost quite a bit.

Marriage reduces risk - Your spouse may cut your premiums on your policy. It may mean you are more mature than a single person and statistics prove drivers who are married are more cautious.

Accidents will cost you - Having a clean driving record can have a huge impact on auto insurance premiums. Even a single speeding ticket could increase your next policy renewal forty percent or more. Drivers with clean records have lower premiums compared to bad drivers. Drivers unfortunate enough to have serious violations like DUI or reckless driving may find they need to file a SR-22 to the state department of motor vehicles in order to legally drive a vehicle.

High credit equals lower costs - An insured's credit score is a big factor in determining what you pay for car insurance. So if your credit score can use some improvement, you could be paying less to insure your Ford Fusion if you improve your credit rating. Consumers who have high credit scores tend to file fewer claims than those with lower credit scores.

Performance impacts insurance costs - The type of car, truck or SUV you need to insure makes a significant difference in your auto insurance rates. Since the Ford Fusion is classified as a passenger car, rates will be similar in price or lower as compared to the average rate in Aurora. Economy passenger models usually are quite affordable to insure, but there are many factors that impact the final cost.

Insurance premiums and driver gender - Over time, data shows that females tend to be a little less risky than males. The data does not necessarily mean that women are better drivers. Both genders cause accidents in similar percentages, but the men get into accidents with more damage. Not only are claims higher, but men get higher numbers of serious violations like DUI and reckless driving.

Insurance losses for a Ford Fusion - Companies take into consideration insurance loss statistics for every vehicle when setting premium prices. Vehicles that tend to have higher prevalence or dollar amount of losses will be charged more to insure.

The next table illustrates the collected loss data for Ford Fusion vehicles. For each coverage category, the statistical loss for all vehicles, as a total average, is set at 100. Percentages below 100 suggest a positive loss record, while numbers above 100 point to more losses or statistically larger losses.

Car Insurance Loss Data for Ford Fusion Models

Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Ford Fusion 2WD 110 95 108 116 111 105
Ford Fusion 4WD 115 85 120 88 77 71
Ford Fusion Hybrid 125 97 98 92 93 95
Ford Fusion Plug-in Hybrid 128 87 91 88 91 107

Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Insurance is not optional

Despite the high cost, paying for insurance may be required for several reasons.

The benefits of insuring your Fusion are without a doubt worth the cost, especially when you need to use it. Today the average American driver is overpaying more than $865 each year so you should quote rates at least once a year to ensure rates are competitive.

How much can you save?

Budget-friendly insurance in Aurora is available both online and with local Aurora insurance agents, so you need to quote Aurora auto insurance with both in order to have the best price selection to choose from. Some insurance companies don't offer internet price quotes and usually these small insurance companies only sell coverage through independent insurance agencies.

We just showed you many ways to reduce Ford Fusion insurance rates online in Aurora. It's most important to understand that the more quotes you get, the better your comparison will be. You may even discover the most savings is with the least-expected company. Smaller companies may cover specific market segments cheaper as compared to the big name companies such as Allstate, GEICO and Progressive.

To learn more, feel free to browse the resources below: