Are you looking for lower-priced Ford Fusion insurance in Houston? Are you burned out from sacrificing each month for auto insurance? Your situation is no different than most other people in Texas.
Unbelievable but true according to a study the vast majority of Texas auto insurance customers have stayed with the same insurance company for at least four years, and roughly 40% of drivers have never shopped around. American consumers could save about 47% every year by just comparing rate quotes, but they mistakenly think it’s difficult to compare rate quotes. Popular companies such as GEICO, 21st Century and Progressive continually hit you with ads and it is challenging if not impossible to ignore the flashy ads and effectively compare rates to find the best deal.
It’s a good idea to get comparison quotes as often as possible because prices are adjusted regularly by insurance companies. Even if you got the lowest price on Ford Fusion insurance in Houston six months ago a different company probably has better rates today. Block out anything you think you know about auto insurance because I’m going to let you in on the secrets to one of the quickest ways to buy cheaper Ford Fusion insurance in Houston.
If you already have coverage or are looking for a new policy, use these money-saving tips to save money without sacrificing coverage. Finding affordable coverage in Houston is really quite easy. Shoppers just have to understand the most time-saving way to shop from many different companies.
Companies offering cheap Ford Fusion prices in Houston, TX
The companies in the list below offer price comparisons in Houston, TX. If multiple providers are shown, it’s a good idea that you visit several of them to get the most competitive price.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion S 4-Dr Sedan | $156 | $306 | $430 | $26 | $128 | $1,046 | $87 |
| Fusion SE 4-Dr Sedan | $356 | $788 | $496 | $30 | $148 | $1,818 | $152 |
| Fusion Hybrid 4-Dr Sedan | $288 | $682 | $458 | $28 | $136 | $1,592 | $133 |
| Fusion SEL 4-Dr Sedan | $160 | $312 | $366 | $22 | $110 | $970 | $81 |
| Fusion Sport 4-Dr Sedan | $318 | $684 | $400 | $24 | $120 | $1,546 | $129 |
| Fusion SEL AWD 4-Dr Sedan | $258 | $532 | $430 | $26 | $128 | $1,374 | $115 |
| Fusion Sport AWD 4-Dr Sedan | $234 | $462 | $366 | $22 | $110 | $1,194 | $100 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Prices do not factor in vehicle location which can decrease or increase coverage rates greatly.
An analysis of deductible level
The chart below illustrates how your choice of deductibles and can change Ford Fusion insurance costs for different categories of driver ages. The premium estimates are based on a single male driver, full coverage, and no discounts are applied to the premium.
Deductible analysis
One of the more difficult decisions when buying auto insurance is where to set your physical damage deductibles. The rates below illustrate how much more rates are of buying low and high coverage deductibles. The first rate table uses a $250 physical damage deductible and the second set of prices 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 | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Price estimates do not factor in garaging location in Houston which can modify premium rates considerably.
We can estimate from the data above that using a $250 deductible will cost you roughly $32 more each month or $384 each year than requesting the higher $1,000 deductible. Since you would have to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go at a minimum 23 months between claims, you would probably be better off if you choose a higher deductible.
Difference between liability only and full coverage rates
The illustration below shows the comparison of Ford Fusion car insurance costs when comparing full coverage to state minimum liability only. The data is based on no accidents or driving violations, $500 deductibles, married female driver, and no discounts are applied to the premium.
When to buy liability coverage only
There is no definitive rule of when to drop comp and collision coverage, but there is a broad guideline. If the yearly cost for physical damage coverage is more than 10% of the vehicle’s replacement cost less your deductible, then you may need to consider dropping full coverage.
For example, let’s assume your Ford Fusion replacement value is $6,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would get paid by your company is $5,000 after paying your policy deductible. If you are paying more than $500 a year for full coverage, then it’s probably a good time to buy liability coverage only.
There are a few situations where dropping full coverage is not a good plan. If you still owe a portion of the original loan, you must maintain physical damage coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should not drop full coverage.
Get affordable Ford Fusion insurance in Houston with discounts
Insurance can be pricey, but there could be available discounts to help bring down the price. Most are applied when you quote, but some must be requested specifically before being credited. If you do not check that you are getting every discount available, you may be paying too high a price.
- Organization Discounts – Participating in a civic or occupational organization in Houston could qualify you for a break when getting a Houston auto insurance quote.
- Seat Belt Usage – Buckling up and requiring all passengers to wear their seat belts may be able to save a few bucks off the personal injury premium cost.
- No Claim Discounts – Insureds who avoid accidents and claims get the best insurance rates in comparison with drivers with a long claim history.
- Payment Discounts – If you pay your entire premium ahead of time rather than spreading payments over time you can actually save on your bill.
- Senior Citizen Discount – Seniors may qualify for a small decrease in premiums.
- Theft Deterrent System – Cars and trucks that have factory anti-theft systems are stolen less frequently and can earn a small discount on your policy.
- Drivers Ed for Students – Cut your cost by having your teen driver take driver’s ed class as it will make them better drivers and lower rates.
As a footnote on discounts, most discount credits are not given to your bottom line cost. Most only reduce the cost of specific coverages such as comp or med pay. Despite the appearance that you would end up receiving a 100% discount, company stockholders wouldn’t be very happy. But all discounts will bring down your policy cost.
A few of the larger companies and a summarized list of policyholder discounts are shown below.
- Travelers offers discounts including student away at school, continuous insurance, IntelliDrive, save driver, and good student.
- 21st Century discounts include defensive driver, automatic seat belts, early bird, theft prevention, and teen driver.
- State Farm has discounts for accident-free, anti-theft, good driver, passive restraint, Drive Safe & Save, safe vehicle, and multiple policy.
- GEICO may include discounts for membership and employees, anti-theft, air bags, good student, multi-policy, and multi-vehicle.
- SAFECO may have discounts that include drive less, safe driver, homeowner, anti-theft, and teen safe driver.
- AAA has savings for multi-car, AAA membership discount, anti-theft, pay-in-full, education and occupation, and good driver.
If you are trying to find affordable Ford Fusion insurance quotes, ask each company or agent to give you their best rates. A few discounts may not apply in your area. To find insurance companies that offer many of these discounts in Houston, click here to view.
Neighborhood agents and insurance
Certain consumers just prefer to have an agent’s advice and that is not a bad decision Agents can point out coverage gaps and help file insurance claims. The best thing about getting online price quotes is you may find better rates and still have an agent to talk to. Buying insurance from local insurance agents is important particularly in Houston.
To make it easy to find an agent, after completing this quick form, your coverage information is transmitted to local insurance agents in Houston who will give you quotes for your business. It makes it easy because there is no need to do any legwork as quotes are delivered to the email address you provide. If you need to get a comparison quote from one company in particular, you just need to go to their quote page and submit a quote form there.
If you want to buy insurance from a good insurance agency, you need to know there are two different types of agencies and how they function. Insurance agencies in Houston are either independent or exclusive. Both types of agents can sell insurance policies, but it’s a good idea to understand the differences because it can factor into buying decisions.
Independent Insurance Agencies
These agents are not required to write business for one company so they can write business amongst many companies and possibly get better coverage at lower prices. If you are not satisfied with one company, they can switch companies in-house and you don’t have to do anything. If you are trying to find cheaper rates, we highly recommend that you check rates from at a minimum one independent agency so that you have a good selection of quotes to compare.
Listed below are Houston independent agents that may be able to provide rate quotes.
Oscar’s Insurance Agency
5921 S Gessner Rd – Houston, TX 77036 – (713) 271-8889 – View Map
Gem Insurance Agencies
3355 W Alabama St #850 – Houston, TX 77098 – (713) 622-2330 – View Map
Town and Country Insurance Agency – Houston, TX
10575 Katy Fwy # 150 – Houston, TX 77024 – (713) 461-8979 – View Map
Exclusive Agents
Agents in the exclusive channel generally can only insure with one company such as Farmers Insurance, Allstate, or State Farm. These agents are not able to provide rate quotes from other companies so they have to upsell other benefits. These agents are trained well on their products and sales techniques and that enables them to sell even at higher rates.
Listed below are Houston exclusive agents that can give you price quotes.
Sean Wong – State Farm Insurance Agent
7035 Hwy 6 N – Houston, TX 77095 – (281) 550-0555 – View Map
Ricky Maique – State Farm Insurance Agent
8811 Westheimer Rd #205 – Houston, TX 77063 – (713) 781-6132 – View Map
Allstate Insurance: Harris County Insurance Agency
13030 Woodforest Blvd b – Houston, TX 77015 – (713) 451-5716 – View Map
Picking the best insurance agent is decision based upon more than just a cheap price quote. Here are some questions to ask:
- Is vehicle mileage a factor when determining depreciation for repairs?
- Do they specialize in personal lines coverage in Houston?
- Are there any discounts that you might be missing?
- Where are claims handled?
- How many companies do they write for?
- Do they have designations such as AIC, CPCU, or CIC?
- Where would glass claims be handled in Houston?
- Is vehicle damage repaired with OEM or aftermarket parts?
Auto insurance coverages
Knowing the specifics of your insurance policy can be of help when determining appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. These are the normal coverages offered by insurance companies.
Auto collision coverage
This covers damage to your Fusion resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.
Collision can pay for things like sideswiping another vehicle, colliding with a tree and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to raise the deductible on your Fusion to save money on collision insurance.
Comprehensive coverage
This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive insurance covers claims such as damage from flooding, a broken windshield, vandalism and hitting a bird. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.
Uninsured/Underinsured Motorist coverage
This protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.
Because many people carry very low liability coverage limits (which is 30/60/25), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Usually these coverages are identical to your policy’s liability coverage.
Liability
Liability insurance protects you from damages or injuries you inflict on people or other property by causing an accident. It protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 30/60/25 which stand for a $30,000 limit per person for injuries, a total of $60,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged property. Occasionally you may see a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.
Liability can pay for claims like repair bills for other people’s vehicles, loss of income, medical expenses and funeral expenses. The amount of liability coverage you purchase is up to you, but consider buying as much as you can afford. Texas requires minimum liability limits of 30/60/25 but drivers should carry more coverage.
Medical payments coverage and PIP
Coverage for medical payments and/or PIP kick in for expenses for things like prosthetic devices, ambulance fees, dental work and EMT expenses. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. It covers you and your occupants and will also cover getting struck while a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay
Do the work, save more money
In this article, we presented some good ideas how you can reduce Ford Fusion insurance premium rates online in Houston. The most important thing to understand is the more quotes you get, the better chance you’ll have of finding cheaper Houston auto insurance quotes. You may even discover the best premium rates are with a smaller regional carrier. These companies may have significantly lower prices on certain market segments than the large multi-state companies such as Allstate and Progressive.
Budget-conscious Ford Fusion insurance can be bought from both online companies in addition to many Houston insurance agents, so you should compare both so you have a total pricing picture. Some companies do not provide online quoting and most of the time these regional carriers work with independent insurance agencies.
When buying insurance coverage, it’s a bad idea to skimp on critical coverages to save a buck or two. In many cases, consumers will sacrifice full coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to purchase a proper amount of coverage at an affordable rate, but do not sacrifice coverage to save money.
To learn more, feel free to visit the articles below:
- Prepare your Teens for Safe Driving (InsureUonline.org)
- Who Has Affordable Car Insurance for Drivers with Good Credit in Houston? (FAQ)
- How Much is Houston Auto Insurance for Ride Shares? (FAQ)
- Five Tips to Save on Auto Insurance (Insurance Information Institute)
- Protecting Teens from Drunk Driving (Insurance Information Institute)
- Auto Crash Statistics (Insurance Information Institute)