Finding affordable car insurance for a Ford Fusion in Louisiana is normally pretty easy, but it depends on a whole bunch of rating criteria such as miles driven annually, your profession, and your choice of deductibles. Drivers in Louisiana pay on average $1,413 a year for Fusion insurance, but that is a projection using a 50-year-old single female driver with full comprehensive and collision coverage and $500 deductibles.
There is a good probability you’re not a 50-year-old female, maybe you are married instead of single, and maybe your Fusion is older and does not require full coverage. Even a slight change in rating criteria or coverage limits can make a big difference in the cost of insurance for a Ford Fusion.
Having different needs demonstrates why the best method for finding the cheapest rates for your Ford is to just take the time to compare rates yourself.
The specific model of Fusion can impact the cost of coverage, so the price you pay to insure a Fusion S 4-Dr Sedan model will be $236 less than the cost to insure the more expensive Fusion Sport AWD 4-Dr Sedan trim level, as shown in the chart below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Fusion S 4-Dr Sedan||$250||$478||$524||$32||$158||$1,442||$120|
|Fusion SE 4-Dr Sedan||$284||$564||$524||$32||$158||$1,562||$130|
|Fusion Hybrid 4-Dr Sedan||$284||$648||$656||$38||$196||$1,822||$152|
|Fusion SEL 4-Dr Sedan||$284||$564||$524||$32||$158||$1,562||$130|
|Fusion Sport 4-Dr Sedan||$284||$564||$524||$32||$158||$1,562||$130|
|Fusion SEL AWD 4-Dr Sedan||$316||$648||$524||$32||$158||$1,678||$140|
|Fusion Sport AWD 4-Dr Sedan||$316||$648||$524||$32||$158||$1,678||$140|
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Data variables include single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Louisiana minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Premium amounts do not factor in specific New Orleans garaging location which can change coverage rates significantly.
Trying to buy cost effective auto insurance is not always easy, and figuring out which company offers the cheapest insurance rates for a Ford Fusion will take more quotes for comparison. Each auto insurer uses a slightly different approach to determine premium rates, so to begin we’ll rank the insurance companies with the most affordable rates in New Orleans, LA.
Cheapest Insurance Rates for Your Fusion
|Rank||Company||Cost Per Year|
|6||Southern Farm Bureau||$2,248|
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USAA offers some of the lowest car insurance rates in New Orleans at around $1,578 each year. MetLife, GEICO, Progressive, and Safeway would also make the list of some of the most economical New Orleans, LA auto insurance companies.
As shown above, if you are currently insured with Safeway and switched to MetLife, you could earn an annual premium reduction of around $384. Louisiana drivers with Southern Farm Bureau might save as much as $412 a year, and California Casualty insureds might lower prices by up to $433 a year.
To find the cheapest coverage for you, click here to start your custom quote or quote prices from the following companies.
Be aware that those policy prices are averages for all types of insureds and vehicles and do not take into consideration a specific zip code for a Ford Fusion. So the company that has the lowest price for you may not even be in the top 12 companies shown above. That affirms the importance of why you need to compare rates from multiple companies using your own specific driver and vehicle information.
Cost difference between full coverage and liability
Finding cheaper insurance should be important to the majority of drivers, and one of the best ways to pay less for insurance for a Ford Fusion is to not pay for full coverage. The chart below shows the comparison of premium costs with and without physical damage coverage. The prices are based on no violations or accidents, $100 deductibles, drivers are not married, and no other discounts are factored in.
Averaged for all ages 20 through 70, comprehensive and collision coverage on your policy costs $4,014 per year more than just buying liability insurance. Many drivers will wonder if paying for full coverage is worth it. There is no exact formula of when to exclude full coverage, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is about 10% or more of the settlement you would receive from your company, then it might be time to buy liability only.
Types of discounts on New Orleans car insurance rates
Insurance providers that offer cheap quotes for a Ford Fusion may provide special discounts that could reduce prices by as much as 35% if you meet the requirements. Popular insurance companies and some of the premium reductions they offer are included below.
- State Farm may include discounts for good student, defensive driving training, good driver, anti-theft, multiple autos, multiple policy, and safe vehicle.
- GEICO discounts include military active duty, multi-vehicle, five-year accident-free, federal employee, and multi-policy.
- Allstate has discounts for teenSMART discount, auto/life discount, anti-theft, defensive driver, premier discount, and safe driver.
- SAFECO may offer discounts for homeowner, drive less, accident prevention training, anti-theft, anti-lock brakes, bundle discounts, and teen safe driver.
- Farm Bureau includes discounts for 55 and retired, youthful driver, safe driver, multi-policy, and multi-vehicle.
- Progressive offers discounts for multi-policy, multi-vehicle, online signing, homeowner, good student, and online quote discount.
- AAA has savings for pay-in-full, multi-car, multi-policy, anti-theft, AAA membership discount, and good student.
The chart below illustrates the difference between car insurance rates with and without some available policy discounts. The costs are based on a male driver, no tickets, no at-fault accidents, Louisiana state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with multiple policy, defensive driving course, vehicle safety, marriage, multiple vehicle, and anti-theft discounts applied. When these discounts are applied, the average amount saved each year on insurance for a Ford Fusion is 28% or $874.
Compare rates to save
New Orleans insurance rates are impacted by many factors which can significantly increase or decrease the price you have to pay. Improving your credit rating, moving to a new city, or getting into an accident can cause premium changes that can make some companies more affordable than before. Not only may your situation change, but companies change prices at least once a year to reflect underwriting profits or losses. A period of increased losses can result in higher rates, while lower claim expenses may cause cheaper Fusion insurance rates.
To illustrate this example, the graph below shows a variety of companies that have the cheapest car insurance in New Orleans, LA for a 40-year-old male driver with a clean driving record, no accidents, and good financial standing. If we look at prices based on his current risk profile, USAA may have the lowest car insurance rates in New Orleans at $2,896 a year. This is $482 more than the average price paid by Louisiana drivers of $2,414. MetLife, GEICO, Progressive, and Safeway are also included in the best New Orleans, LA auto insurance companies.
In the next rate comparison, we’ll give the driver in the first example a chargeable accident, bad credit, and a speeding ticket. Due to the fact that every auto insurer uses their own calculation for filing rates in each state, comparing insurance quotes most likely will result in a different set of affordable New Orleans car insurance companies as shown below.
California Casualty now has the cheapest car insurance in New Orleans with State Farm, USAA, Safe Auto, and MetLife now being in the top five. This example demonstrates why it is critical to compare as many rates as possible when trying to find the lowest auto insurance rates for a Ford Fusion.
Rates are calculated by many things and change dramatically, so the best option the last time you checked may now be priced much higher than other options.
The New Orleans auto insurance agencies shown below can help you determine which auto insurance coverages would be the best in your situation, since many consumers aren’t sure which coverage to buy and prefer to have a professional recommendation when buying car insurance for a Ford Fusion. It’s not always easy to do it yourself, and a professional agent can add comfort knowing you have enough protection. To locate a New Orleans auto insurance agent by location nearest to you, click the button at the bottom of the list or click here to get price quotes now.
- Pat Leboeuf Insurance
601 Seguin St – New Orleans, LA 70114 – (504) 361-4600
- Underwriters Insurance Agency
10709 Chef Menteur Hwy #1 – New Orleans, LA 70127 – (504) 302-0620
- Ed Buckley – State Farm Insurance Agent
4822 Prytania St – New Orleans, LA 70115 – (504) 891-2886
How to find budget-friendly car insurance for a Ford Fusion
Below you’ll find many thrifty suggestions that can help Louisiana drivers locate low-cost auto insurance.
- Safer vehicles generally have cheaper insurance rates
- Higher credit ratings may save you money
- Avoid having at-fault accidents
- On older vehicles, drop full coverage
- Buying car and homeowners insurance together can save money
- Shop around for lower rates once a year
That last idea is remarkably vital, as we noted in this piece. Insurance prices in New Orleans adjust frequently, so don’t be tentative to buy from a different company if a better rate can be found.
Staying with the same car insurance company is fine, but it’s not recommended if that dedication is costing lots of money. It takes less than five minutes to compare rates to find cheaper insurance for a Ford Fusion.