Save Money on Ford Fusion Insurance in Nashville

We don’t have to point out that fact that car insurance companies want to keep you from comparing rates. Consumers who shop around for the cheapest rate are very likely to buy a different policy because they have good chances of finding lower prices. A study discovered that consumers who routinely shopped around saved approximately $3,400 over four years compared to drivers who never compared other company’s rates.

If finding the lowest rates on car insurance is your objective, then having some knowledge of how to compare cheaper coverage can make shopping around easier.

Discount Ford Fusion insuranceTo save the most money, the best way to get the cheapest Ford Fusion insurance is to make a habit of regularly comparing prices from different companies that insure vehicles in Nashville.

One important bit of advice is to make sure you enter identical limits and deductibles on every price quote and to quote with as many different companies as possible. Doing this ensures a fair rate comparison and the best price quote selection.

How Insurers Calculate Ford Fusion Insurance Premiums

An important part of buying insurance is that you know a few of the rating criteria that help calculate the level of your policy premiums. When consumers understand what influences your rates, this enables you to make decisions that may result in big savings. Many factors are part of the calculation when you get a price on insurance. A few of the factors are predictable like your driving record, but other factors are more obscure such as your marital status or how safe your car is.

The factors shown below are a few of the things insurance companies consider when setting rates.

High credit saves on insurance – Your credit rating is a big factor in your rate calculation. If your credit could use some work, you may save money insuring your Ford Fusion by improving your rating. Insureds with very good credit scores tend to be more responsible than drivers who have bad credit.

Optional features that lower insurance rates – Purchasing a vehicle that has an advanced theft prevention system can save you some money. Theft prevention features like vehicle immobilizer systems, OnStar, and tracking devices like LoJack help track and prevent car theft and help bring rates down.

Youthful drivers are expensive to insure – Inexperience drivers are statistically proven to be inattentive and easily distracted behind the wheel and because of this, their insurance rates are much higher. More mature drivers are more cautious drivers, cost insurance companies less in claims, and receive fewer citations.

The following chart uses these assumptions: single driver, full coverage with $100 deductibles, and no discounts or violations.

Employer stress can make you pay more – Occupations like military personnel, social workers, and emergency personnel are shown to have higher average rates in part from intense work-related stress and lots of time spent away from family. On the other hand, occupations such as farmers, engineers and retirees receive lower rates.

Stay claim-free and lower rates – If you file a lot of claims don’t be surprised to see much higher rates or policy non-renewal. Insurance companies in Tennessee generally give most affordable rates to policyholders that do not abuse their auto insurance. Your insurance policy is intended to be relied upon for claims that you cannot pay yourself.

Ford Fusion claim data – Car insurance companies use historical loss data to help calculate premium costs. Models that tend to have increased losses will cost more to insure. The table below shows the actual insurance loss data for Ford Fusion vehicles.

For each insurance policy coverage type, the claim probability for all vehicles, regardless of manufacturer or model, equals 100. Numbers that are below 100 are indicative of better than average losses, while numbers shown that are more than 100 point to more frequent losses or tendency to have higher losses.

Ford Fusion Insurance Loss Statistics
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

Statistics from for 2013-2015 Model Years

The auto insurance companies shown below are our best choices to provide free rate quotes in Tennessee. To get the best car insurance in Nashville, TN, we recommend you compare several of them to get the best price comparison.

Coverage information

The price information displayed next covers estimates of coverage costs for Ford Fusion models. Understanding how insurance quotes are figured can benefit drivers when making decisions on which insurance to purchase.

Ford Fusion Insurance Rates in Nashville, TN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $158 $236 $378 $22 $114 $908 $76
Fusion SE 4-Dr Sedan $178 $278 $378 $22 $114 $970 $81
Fusion Hybrid 4-Dr Sedan $178 $320 $472 $28 $142 $1,140 $95
Fusion SEL 4-Dr Sedan $178 $278 $378 $22 $114 $970 $81
Fusion Sport 4-Dr Sedan $178 $278 $378 $22 $114 $970 $81
Fusion SEL AWD 4-Dr Sedan $198 $320 $378 $22 $114 $1,032 $86
Fusion Sport AWD 4-Dr Sedan $198 $320 $378 $22 $114 $1,032 $86
Get Your Own Custom Quote Go

Premium data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Tennessee minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Premium costs do not factor in specific location information which can change insurance rates noticeably.

Higher deductibles save money

One frequently asked question is which comprehensive and collision deductibles to buy. The rates below can help illustrate the rate fluctuation between high and low deductibles. The first rate quote example uses a $250 comprehensive and collision deductible and the second price table uses a $1,000 deductible.

Ford Fusion insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $224 $376 $288 $18 $86 $1,017 $85
Fusion SE 4-Dr Sedan $252 $444 $288 $18 $86 $1,113 $93
Fusion Hybrid 4-Dr Sedan $252 $510 $360 $22 $108 $1,277 $106
Fusion SEL 4-Dr Sedan $252 $444 $288 $18 $86 $1,113 $93
Fusion Sport 4-Dr Sedan $252 $444 $288 $18 $86 $1,113 $93
Fusion SEL AWD 4-Dr Sedan $280 $510 $288 $18 $86 $1,207 $101
Fusion Sport AWD 4-Dr Sedan $280 $510 $288 $18 $86 $1,207 $101
Get Your Own Custom Quote Go

Ford Fusion insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $138 $236 $288 $18 $86 $766 $64
Fusion SE 4-Dr Sedan $156 $278 $288 $18 $86 $826 $69
Fusion Hybrid 4-Dr Sedan $156 $320 $360 $22 $108 $966 $81
Fusion SEL 4-Dr Sedan $156 $278 $288 $18 $86 $826 $69
Fusion Sport 4-Dr Sedan $156 $278 $288 $18 $86 $826 $69
Fusion SEL AWD 4-Dr Sedan $174 $320 $288 $18 $86 $886 $74
Fusion Sport AWD 4-Dr Sedan $174 $320 $288 $18 $86 $886 $74
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Tennessee minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Prices do not factor in specific location which can affect prices substantially.

We can estimate from the data above that using a $250 deductible will cost you approximately $25 more each month or $300 every year averaged for all Fusion models than requesting the higher $1,000 deductible. Because you would be required to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to have at least 30 months between claim filings, you would save more money if you choose a higher deductible. The numbers below show an example of how you can make your own decision.

Average monthly premium for $250 deductibles: $96
Average monthly premium for $1,000 deductibles (subtract): – $71
Monthly savings from raising deductible: $25
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $25
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 30 months

One thing to be aware of is that increasing deductibles to save money results in having to pay to pay more out-of-pocket when you have a physical damage claim. You need enough disposable savings in order to pay the deductible.

Careless drivers pay higher rates

The example below illustrates how traffic citations and at-fault claims can drive up Ford Fusion yearly insurance costs for different age groups. The data assumes a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are factored in.

Insurance does more than just protect your car

Despite the potentially high cost of Ford Fusion insurance, insuring your vehicle is mandatory in Tennessee but it also protects more than you think.

The benefits of insuring your Fusion are without a doubt worth the cost, especially with large liability claims. In a recent study of 1,000 drivers, the average customer is currently overpaying as much as $825 a year so compare quotes from several companies at least once a year to save money.

Affordable Ford Fusion insurance in Nashville

Car insurance companies don’t always list every possible discount very clearly, so we took the time to find some of the more common and the harder-to-find discounts that may be available.Insurance discounts

One last thing about discounts, many deductions do not apply to the entire policy premium. Some only reduce the cost of specific coverages such as collision or personal injury protection. So even though you would think adding up those discounts means a free policy, you won’t be that lucky. But any discount should definitely cut the cost of your policy.

The information below visualizes the comparison of Ford Fusion auto insurance costs with and without discounts. The rate quotes are based on a female driver, no tickets, no at-fault accidents, Tennessee state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, claim-free, multi-policy, marriage, and safe-driver discounts applied.

Some of the insurance companies that may offer most of the discounts above include:

It’s a good idea to ask each insurance company how many discounts you can get. Some of the discounts discussed earlier may not apply to policies in Nashville. To see a list of companies that offer many of these discounts in Tennessee, click here to view.

You may want advice from a local insurance agent

Some consumers would prefer to go talk to an agent and often times that is recommended Licensed agents are highly skilled in risk management and help in the event of a claim. An additional benefit of price shopping on the web is that you can obtain better rates and still have an agent to talk to.

For easy comparison, once you complete this quick form, your insurance coverage information is emailed to insurance agents in Nashville that can give you free Nashville auto insurance quotes for your insurance coverage. It makes it easy because there is no need to contact any agents since price quotes are sent directly to you. If you have a need to compare prices from a specific insurance provider, you would need to go to their quote page and fill out their quote form.

Picking the best insurance company should include more criteria than just a low price. These are some questions you should get answers to.

Pick the best car insurance agent in Nashville for you

When narrowing the list to find local Nashville agents, there are two different types of agents and how they differ in how they quote coverages. Insurance agencies in Nashville are either independent agents or exclusive agents depending on their employer. Both can handle insurance, but it’s a good idea to understand how they are different since it can affect the type of agent you choose.

Exclusive Agents

These agents work for only one company like Allstate, Farmers Insurance, State Farm, and AAA. They are unable to give you multiple price quotes so you need to shop around if the rates are high. Exclusive agents are well trained on their company’s products which helps them sell insurance even at higher premiums.

Shown below is a list of exclusive insurance agents in Nashville that can give you price quotes.

5110 Delaware AveNashville, TN 37209(615) 297-3527View Map

4094 Hillsboro Pike #202Nashville, TN 37215(615) 385-1700View Map

6592 TN-100 Suite 2Nashville, TN 37205(615) 356-6503View Map

More Nashville agents

Independent Agents

Agents that choose to be independent often have affiliation with several companies so they can quote policies with multiple insurance companies and get the cheapest rates. If you want to switch companies, your agent can just switch to a different company and you won’t have to switch agencies.

If you are trying to find cheaper rates, it’s a good idea to contact multiple independent agents to get the most accurate price comparison.

Shown below is a short list of independent agents in Nashville that are able to give rate quotes.

Tri-City Insurance Agency
4400 Nolensville PikeNashville, TN 37211(615) 331-0770View Map

1506 Church St Suite 2Nashville, TN 37203(615) 873-1988View Map

2630 Old Lebanon RdNashville, TN 37214(615) 889-3640View Map

More Nashville agents

Will just any policy work for me?

When quoting and comparing coverage for your personal vehicles, there really is no “best” method to buy coverage. Every insured’s situation is different.Drive safe and save

For example, these questions might point out whether your personal situation would benefit from an agent’s advice.

If you can’t answer these questions, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form. It’s fast, free and can provide invaluable advice.

Get the best coverage at the lowest price

As you quote Nashville auto insurance, you should never buy poor coverage just to save money. In many cases, an accident victim reduced liability coverage limits only to find out that it was a big mistake. Your strategy should be to buy the best coverage you can find at the lowest possible cost and still be able to protect your assets.

We covered some good ideas how to get a better price on Ford Fusion insurance in Nashville. The most important thing to understand is the more rate quotes you have, the better likelihood of getting inexpensive Nashville auto insurance quotes. Consumers may even find the most savings is with the least-expected company.

Drivers change insurance companies for any number of reasons including delays in responding to claim requests, not issuing a premium refund, high rates after DUI convictions and even being labeled a high risk driver. Whatever your reason, finding the right insurance provider is pretty easy and you might even save some money in the process.

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