It’s an obvious conclusion that car insurance companies don’t want you quoting rates from other companies. People who get price comparisons are inclined to switch to a new company because there is a great chance of finding a more affordable policy premium. Remarkably, a study showed that drivers who shopped around saved about $3,450 over four years compared to drivers who don’t regularly compare prices.
If finding the lowest price for auto insurance in Dallas is your goal, then learning about how to quote and compare insurance can save time and make the process easier.
If your goal is the lowest price, then the best way to find cheaper Ford Fusion insurance in Dallas is to begin comparing prices regularly from different companies who provide car insurance in Texas. You can shop around by following these guidelines.
First, spend a few minutes and learn about coverages and the measures you can control to prevent rate increases. Many factors that increase rates such as traffic violations, accidents, and a less-than-favorable credit rating can be controlled by making minor changes to your lifestyle. Later in this article we will cover more ideas to get better rates and earn a bigger discount.
Second, request rate estimates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only quote rates from a single company like GEICO or State Farm, while agents who are independent can provide rate quotes from many different companies.
Third, compare the new rate quotes to your current policy and determine if there is any savings. If you find a better price and make a switch, make sure coverage does not lapse between policies.
The critical component of shopping around is to make sure you enter identical limits and deductibles on every quote and and to get rates from every insurance company. Doing this provides a fair rate comparison and maximum price selection.
It’s important to know that comparing all the rates in your area helps locate a lower rate than you’re paying now. Some insurance companies are not set up to provide price estimates online, so you also need to get price quotes from those companies as well.
The car insurance companies shown below can provide price comparisons in Dallas, TX. If multiple companies are shown, we recommend you visit as many as you can in order to find the lowest rates.
Why car insurance is not optional
Despite the fact that car insurance is not cheap in Dallas, maintaining insurance is required by state law in Texas and it also provides benefits you may not be aware of.
- The majority of states have minimum mandated liability insurance limits which means you are required to carry a specific level of liability coverage in order to drive the car. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you have a loan on your Ford, it’s guaranteed your bank will require you to buy insurance to guarantee payment of the loan. If you do not keep the policy in force, the bank may buy a policy for your Ford at a more expensive rate and require you to reimburse them much more than you were paying before.
- Car insurance preserves both your vehicle and your personal assets. It will also provide coverage for medical expenses incurred in an accident. Liability coverage will also pay attorney fees if you are sued as the result of an accident. If damage is caused by hail or an accident, comprehensive and collision coverage will cover the repair costs.
The benefits of having insurance more than offset the price you pay, especially if you ever need it. According to a survey of 1,000 drivers, the average driver is overpaying over $820 a year so it’s important to compare rates at least once a year to help ensure money is not being wasted.
Ford Fusion coverage analysis
The coverage table below highlights detailed analysis of insurance costs for Ford Fusion models. Being aware of how premiums are calculated is important for making informed decisions when shopping around for a new policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion S 4-Dr Sedan | $142 | $266 | $366 | $22 | $110 | $906 | $76 |
| Fusion SE 4-Dr Sedan | $160 | $312 | $366 | $22 | $110 | $970 | $81 |
| Fusion Hybrid 4-Dr Sedan | $160 | $360 | $458 | $28 | $136 | $1,142 | $95 |
| Fusion SEL 4-Dr Sedan | $160 | $312 | $366 | $22 | $110 | $970 | $81 |
| Fusion Sport 4-Dr Sedan | $160 | $312 | $366 | $22 | $110 | $970 | $81 |
| Fusion SEL AWD 4-Dr Sedan | $178 | $360 | $366 | $22 | $110 | $1,036 | $86 |
| Fusion Sport AWD 4-Dr Sedan | $178 | $360 | $366 | $22 | $110 | $1,036 | $86 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Information does not factor in Dallas location which can revise premiums significantly.
Insurance deductibles
One of the most common insurance questions is where should you set your physical damage deductibles. The rates shown below illustrate the rate difference between high and low insurance deductibles. The first set of rates uses a $250 physical damage deductible and the second data table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion S 4-Dr Sedan | $294 | $496 | $382 | $22 | $114 | $1,333 | $111 |
| Fusion SE 4-Dr Sedan | $332 | $584 | $382 | $22 | $114 | $1,459 | $122 |
| Fusion Hybrid 4-Dr Sedan | $332 | $672 | $476 | $28 | $142 | $1,675 | $140 |
| Fusion SEL 4-Dr Sedan | $332 | $584 | $382 | $22 | $114 | $1,459 | $122 |
| Fusion Sport 4-Dr Sedan | $332 | $584 | $382 | $22 | $114 | $1,459 | $122 |
| Fusion SEL AWD 4-Dr Sedan | $370 | $672 | $382 | $22 | $114 | $1,585 | $132 |
| Fusion Sport AWD 4-Dr Sedan | $370 | $672 | $382 | $22 | $114 | $1,585 | $132 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion S 4-Dr Sedan | $182 | $312 | $382 | $22 | $114 | $1,012 | $84 |
| Fusion SE 4-Dr Sedan | $206 | $368 | $382 | $22 | $114 | $1,092 | $91 |
| Fusion Hybrid 4-Dr Sedan | $206 | $424 | $476 | $28 | $142 | $1,276 | $106 |
| Fusion SEL 4-Dr Sedan | $206 | $368 | $382 | $22 | $114 | $1,092 | $91 |
| Fusion Sport 4-Dr Sedan | $206 | $368 | $382 | $22 | $114 | $1,092 | $91 |
| Fusion SEL AWD 4-Dr Sedan | $228 | $424 | $382 | $22 | $114 | $1,170 | $98 |
| Fusion Sport AWD 4-Dr Sedan | $228 | $424 | $382 | $22 | $114 | $1,170 | $98 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Rate information does not factor in specific Dallas garaging location which can modify insurance rates considerably.
Based on this data, we can arrive at the conclusion that using a $250 deductible will cost you about $32 more each month or $384 every year averaged for all Fusion models than quoting the higher $1,000 deductible. Since you would pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you have at least 23 months between claims, you would most likely save money if you opt for a higher deductible. Here is an example of how you can make this decision for your own policy.
| Average monthly premium for $250 deductibles: | $126 |
| Average monthly premium for $1,000 deductibles (subtract): | – $94 |
| Monthly savings from raising deductible: | $32 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $32 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 23 months |
The diagram below demonstrates how deductibles and can impact Ford Fusion insurance premiums for each age group. The rate quotes are based on a married male driver, full physical damage coverage, and no discounts are factored in.
Annual premiums comparing men and women in Dallas
The diagram below illustrates the difference between Ford Fusion insurance prices for male and female drivers. The costs are based on no accidents or driving violations, comp and collision included, $100 deductibles, drivers are single, and no discounts are taken into consideration.
Discounts mean cheaper rates for Ford Fusion insurance in Dallas
Insuring your vehicles can cost a lot, but you might be missing out on some discounts that you may not even be aware of. Some of these discounts will be visible at the time you complete a quote, but a few need to be specifically requested in order for you to get them.
- Save with More Vehicles Insured – Insuring more than one vehicle on one policy may reduce the rate for each vehicle.
- Employee of Federal Government – Active or former government employment can earn a discount up to 10% but check with your company.
- No Claims – Dallas drivers who stay claim-free can earn big discounts compared to frequent claim filers.
- Waiver for an Accident – This one isn’t a discount, but a few companies such as GEICO, Allstate and Liberty Mutual will forgive one accident before your rates go up if you have no claims for a particular time prior to the accident.
- Low Mileage Discounts – Low annual miles may enable drivers to earn better prices on cars that stay parked.
- Include Life Insurance and Save – Larger car insurance companies have a lower price if you buy life insurance from them.
- Discount for Swiching Early – A few car insurance companies allow discounts for renewing your policy prior to the expiration date on your current Fusion insurance policy. This can save 10% or more.
- Discounts for Safe Drivers – Drivers who avoid accidents may receive a discount up to 45% than less cautious drivers.
- Good Grades Discount – Excelling in school could provide a savings of up to 20% or more. You can use this discount normally up until you turn 25.
- Anti-lock Brake Discount – Cars and trucks with ABS and/or traction control can avoid accidents and qualify for as much as a 10% discount.
It’s important to understand that most discount credits are not given to all coverage premiums. Most only reduce individual premiums such as comprehensive or collision. Even though the math looks like you could get a free car insurance policy, companies don’t profit that way. Any amount of discount will cut your premiums.
The illustration below compares Ford Fusion insurance costs with and without discounts applied to the policy rates. The data assumes a male driver, no claims or driving citations, Texas state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, multi-car, marriage, homeowner, and claim-free discounts applied.
Companies and their offered discounts can be read below.
- Esurance policyholders can earn discounts including Pac-12 alumni, anti-theft, online quote, online shopper, and homeowner.
- The Hartford offers discounts including air bag, good student, anti-theft, vehicle fuel type, bundle, driver training, and defensive driver.
- AAA may offer discounts for good student, anti-theft, AAA membership discount, multi-policy, multi-car, education and occupation, and good driver.
- GEICO may have discounts that include daytime running lights, good student, air bags, anti-lock brakes, seat belt use, and emergency military deployment.
- State Farm has savings for Drive Safe & Save, passive restraint, driver’s education, good student, anti-theft, accident-free, and multiple policy.
When quoting, ask each company or agent which discounts can lower your rates. Some discounts might not be offered in every state. For a list of car insurance companies that can offer you the previously mentioned discounts in Texas, click here to view.
You may need help from an agent
Some people just want to sit down and talk to an agent and there is nothing wrong with that. One of the best bonuses of getting free rate quotes online is you can get lower rates and still choose a local agent.
Once you complete this simple form, your information gets sent to agents in your area that can give you free Dallas auto insurance quotes for your coverage. It’s much easier because you don’t need to drive around due to the fact that quote results will go instantly to you. You’ll get the best rates and a licensed agent to talk to. If you need to get a comparison quote from a particular provider, you can always search and find their rate quote page to submit a rate quote request.
Finding the right provider requires you to look at more than just a low price. Here are some questions you might want to ask.
- Does the agency have a current Errors and Omissions policy?
- How are claims handled?
- Are there any extra charges for paying monthly?
- How much can you save by raising your physical damage deductibles?
- How are they compensated?
Upon getting good answers to all your questions and locked in a price quote, it’s a good possibility that you have found a company that is reputable and can provide auto insurance coverage.
Do the work, save more money
Throughout this article, we presented some good ideas how to compare Ford Fusion insurance car insurance rates in Dallas. The most important thing to understand is the more times you quote, the better likelihood of getting inexpensive Dallas auto insurance quotes. You may even find the most savings is with a small mutual company.
When getting Dallas auto insurance quotes online, it’s not a good idea to buy less coverage just to save a little money. There are too many instances where someone dropped liability coverage limits and discovered at claim time that the small savings ended up costing them much more. The goal is to purchase plenty of coverage at the best cost while still protecting your assets.
Discount Ford Fusion insurance in Dallas is available online as well as from insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance companies don’t offer price quotes online and most of the time these smaller providers provide coverage only through independent insurance agencies.
Even more information is located in the articles below:
- Tools for Teen Driving Safety (State Farm)
- What Car Insurance is Cheapest for Uber Drivers in Dallas? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for a Honda CR-V in Dallas? (FAQ)
- All About Airbag Safety (State Farm)
- State Laws for Cellphones and Texting (iihs.org)
- Safe Vehicles for Teens (iihs.org)