Insurance quote for Ford Fusion in ColumbiaDo you want an efficient way to compare more competitive Ford Fusion insurance in Columbia? No normal person likes having to buy car insurance, especially when they know the cost is too high.

Sadly, most consumers in South Carolina have bought car insurance from the same company for four years or more, and roughly 40% of drivers have never taken the time to shop around. With the average car insurance premium being $1,847, American drivers could save about $850 a year just by getting comparison quotes, but they just assume it takes a lot of time to shop their coverage around. Multiple insurance companies compete for your business, and it can be difficult to compare rates and get the definite best rate on Ford Fusion insurance in Columbia.

Insurance quotes and discounts

Some insurance providers don't always advertise every policy discount in a way that's easy to find, so the below list has some of the best known and also the lesser-known credits available to lower your premiums when you buy Columbia car insurance online.

Just know that most of the big mark downs will not be given to the entire policy premium. Most only reduce the price of certain insurance coverages like comp or med pay. Despite the appearance that you would end up receiving a 100% discount, you won't be that lucky.

The best insurance companies and the discounts they provide can be found below.

Check with every company to apply every possible discount. Discounts might not apply in Columbia. To view companies that can offer you the previously mentioned discounts in Columbia, follow this link.

Reducing your Ford Fusion insurance rates can be quick and easy. All you need to do is take a couple of minutes comparing price quotes to find the company with cheaper Columbia car insurance quotes.

It's so fast and easy to compare rates online that it makes it obsolete to go to different Columbia agent offices. Comparing online rate quotes has reduced the need for local agents unless you're the type of person who wants the professional advice only provided by licensed Columbia agents. You can, however, comparison shop online and still use a local agent.

The companies shown below can provide free rate quotes in Columbia, SC. If several companies are displayed, we recommend you visit as many as you can in order to get a fair rate comparison.

Ford Fusion Insurance Costs in Columbia, SC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $226 $458 $386 $22 $116 $1,208 $101
Fusion SE 4-Dr Sedan $322 $612 $348 $20 $104 $1,406 $117
Fusion Hybrid 4-Dr Sedan $256 $590 $482 $28 $144 $1,500 $125
Fusion SEL 4-Dr Sedan $142 $274 $320 $18 $96 $850 $71
Fusion Sport 4-Dr Sedan $168 $302 $352 $20 $106 $948 $79
Fusion SEL AWD 4-Dr Sedan $232 $476 $386 $22 $116 $1,232 $103
Fusion Sport AWD 4-Dr Sedan $284 $598 $320 $18 $96 $1,316 $110
Get Your Own Custom Quote Go

Premium data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and South Carolina minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Rate quotes do not factor in specific zip code location which can decrease or increase auto insurance rates greatly.

Rate comparison for different deductibles

One of the most common auto insurance questions is how high or low should comp and collision deductibles be. The following insurance rates determine the rate difference when you choose different deductibles. The first pricing table uses a $250 physical damage deductible and the second data table uses a $500 deductible.

Ford Fusion insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $264 $444 $342 $20 $102 $1,197 $100
Fusion SE 4-Dr Sedan $298 $524 $342 $20 $102 $1,311 $109
Fusion Hybrid 4-Dr Sedan $298 $602 $426 $26 $128 $1,505 $125
Fusion SEL 4-Dr Sedan $298 $524 $342 $20 $102 $1,311 $109
Fusion Sport 4-Dr Sedan $298 $524 $342 $20 $102 $1,311 $109
Fusion SEL AWD 4-Dr Sedan $332 $602 $342 $20 $102 $1,423 $119
Fusion Sport AWD 4-Dr Sedan $332 $602 $342 $20 $102 $1,423 $119
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Ford Fusion insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $214 $358 $342 $20 $102 $1,036 $86
Fusion SE 4-Dr Sedan $242 $422 $342 $20 $102 $1,128 $94
Fusion Hybrid 4-Dr Sedan $242 $486 $426 $26 $128 $1,308 $109
Fusion SEL 4-Dr Sedan $242 $422 $342 $20 $102 $1,128 $94
Fusion Sport 4-Dr Sedan $242 $422 $342 $20 $102 $1,128 $94
Fusion SEL AWD 4-Dr Sedan $270 $486 $342 $20 $102 $1,220 $102
Fusion Sport AWD 4-Dr Sedan $270 $486 $342 $20 $102 $1,220 $102
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and South Carolina minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Rates do not factor in Columbia location which can influence coverage rates noticeably.

Based on this data, we can arrive at the conclusion that using a $250 deductible costs approximately $16 more each month or $192 annually than buying the higher $500 deductible. Due to the fact that you would have to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you tend to have at a minimum 16 months between claims, you would save money if you choose a higher deductible. The illustration below shows a better example of how you can perform this determination yourself.

Average monthly premium for $250 deductibles: $113
Average monthly premium for $500 deductibles (subtract): - $97
Monthly savings from raising deductible: $16
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $16
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 16 months

An important sidenote is that raising deductibles means you pay more out-of-pocket when you have a comprehensive or collision claim. You need to make sure you have some extra savings in the event you need to pay more to get your vehicle repaired.

Full coverage versus liability-only

The diagram below illustrates the difference between Ford Fusion insurance prices with full coverage and liability only. The rates are based on no accidents, no driving violations, $500 deductibles, single male driver, and no discounts are applied.

When to eliminate full coverage

There is no clear-cut formula to delete comp and collision coverage, but there is a guideline you can consider. If the yearly cost for physical damage coverage is more than around 10% of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.

For example, let's pretend your Ford Fusion claim settlement value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would receive is $3,000 after paying the physical damage deductible. If it's costing in excess of $300 annually for comprehensive and collision coverage, then you may want to consider only buying liability coverage.

There are some cases where buying only liability insurance is not in your best interest. If you haven't satisfied your loan, you have to keep full coverage in order to keep the loan. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should not drop full coverage.

Age, gender, and Ford Fusion insurance

The example below illustrates the comparison of Ford Fusion insurance premiums for male and female drivers. The information is based on no claims or driving citations, full physical damage coverage, $500 deductibles, marital status is single, and no discounts are factored in.

Smart Buyers Know How to Quote Car Insurance Cheaper

Many different elements are part of the equation when you quote your car insurance policy. Some are obvious like a motor vehicle report, but others are not as apparent like your continuous coverage or how financially stable you are. An important part of buying insurance is that you know some of the things that go into determining the price you pay for car insurance. When you know what positively or negatively influences your rates, this enables you to make decisions that may reward you with better car insurance rates.

Your insurance coverage should be tailored to you

When it comes to choosing proper insurance coverage, there is no perfect coverage plan. Every situation is different.

Here are some questions about coverages that can help discover whether your personal situation would benefit from professional advice.

If you don't know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form. It is quick, free and can help protect your family.

Buying from insurance agencies

A small number of people just prefer to talk to an insurance agent and that is a smart decision Good agents can answer important questions and help file insurance claims. An additional benefit of getting online price quotes is you can get cheap insurance rates but also keep your business local. Supporting local insurance agents is especially important in Columbia.

For easy comparison, once you complete this short form, the coverage information is transmitted to insurance agents in Columbia who will give competitive quotes to get your business. There is no need to even leave your home because prices are sent straight to your inbox. If you need to get a rate quote for a specific company, you just need to jump over to their website and complete a quote there.

Deciding on an company should depend on more than just a cheap price quote. Below are some questions you should ask.

Buying the right vehicle insurance in South Carolina is an important decision

Even though Columbia Fusion insurance rates can get expensive, maintaining insurance is not optional due to several reasons.

The benefits of carrying enough insurance are definitely more than the cost, especially with large liability claims. According to a recent study, the average American driver is wasting up to $850 per year so you should quote and compare rates at every policy renewal to ensure rates are inline.

Don't give up on affordable coverage

There are still a few companies who don't offer the ability to get a quote online and usually these regional carriers only sell coverage through independent insurance agents. Discount Ford Fusion insurance is possible from both online companies as well as from insurance agents, so you need to compare both to have the best chance of lowering rates.

As you prepare to switch companies, you should never reduce needed coverages to save money. There are a lot of situations where someone sacrificed comprehensive coverage or liability limits only to find out that it was a big mistake. The proper strategy is to buy enough coverage at an affordable rate, but don't skip important coverages to save money.

Insureds switch companies for a number of reasons such as questionable increases in premium, policy non-renewal, policy cancellation or delays in paying claims. Regardless of your reason for switching companies, switching car insurance companies is less work than it seems.

Much more information about car insurance in South Carolina is available at the links below