If saving the most money is your goal, then the best way to find low-cost prices for Ford Fusion insurance in Pittsburgh is to regularly compare quotes from providers who sell auto insurance in Pennsylvania.
- First, learn about coverages and the modifications you can make to keep rates low. Many factors that cause high rates such as accidents, traffic tickets, and an imperfect credit score can be remedied by making minor driving habit or lifestyle changes. Read the full article for more details to help reduce premium rates and find discounts that may have been missed.
- Second, obtain price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from a single company like Progressive or Allstate, while independent agencies can provide rate quotes from multiple sources.
- Third, compare the new rate quotes to the price on your current policy and determine if cheaper Fusion coverage is available. If you find better rates and decide to switch, verify that coverage does not lapse between policies.
- Fourth, give notification to your current company to cancel your existing policy. Submit any necessary down payment along with the completed application to the new company. When you receive it, place your new certificate verifying coverage with your registration paperwork.
One piece of advice is to try to compare identical coverage information on every price quote and and to get prices from as many different insurance providers as possible. This helps ensure a fair price comparison and maximum price selection.
It goes without saying that auto insurance companies don’t want you to look for a cheaper policy. Insureds who do rate comparisons will probably switch companies because there is a great chance of finding coverage at a more affordable price. A recent study showed that people who compared rates regularly saved an average of $3,450 over four years compared to people who never shopped around for better prices.
If saving money on car insurance in Pittsburgh is your ultimate target, knowing how to get free comparison quotes and analyze coverages can make the process less intimidating.
Finding the cheapest car insurance coverage in Pittsburgh is actually not that difficult if you follow our advice. Nearly each driver who is looking for cheaper car insurance will most likely find a lower-cost policy. Although Pennsylvania drivers need to have an understanding of how companies compete online because rates are impacted by many factors.
Components of Your Ford Fusion Insurance Rates
Multiple criteria are used when pricing auto insurance. Some factors are common sense such as your driving history, although others are not as apparent such as your marital status or your vehicle rating.
Insurance rates in urban areas – Being located in small towns and rural areas may provide you with better prices when trying to find low car insurance rates. City drivers tend to have more traffic problems and a longer drive to work. Fewer people translates into fewer accidents.
Never allow your car insurance to lapse – Having an insurance coverage lapse will be a quick way to increase your renewal premiums. And not only will insurance be more expensive, the inability to provide proof of insurance could earn you fines or a revoked license. You may then have to submit proof of financial responsibility or a SR-22 with the Pennsylvania DMV.
Coverage deductibles are a factor – Your deductibles define how much you are required to spend out-of-pocket if you file a covered claim. Protection for physical damage, also called comprehensive and collision insurance, is used to repair damage to your car. Some examples of claims that would be covered are a windshield broken by a bird, animal collisions, and damage from wind. The more damage repair cost you’re willing to pay, the less your company will charge you for insurance.
Vehicle risk impacts rates – The performance level of the vehicle you are insuring makes a significant difference in your auto insurance rates. The most favorable rates are generally reserved for low performance passenger models, but that’s not the only thing that factors into the final price.
The following chart uses these variables: married male driver age 50, full coverage with $100 deductibles, and no discounts or violations. The data compares Ford Fusion insurance rates compared to other models of vehicles that have different performances.
Pay more by driving carelessly – Your driving record can have a huge impact on auto insurance premiums. Drivers with clean records get better rates compared to bad drivers. Having just one speeding ticket can increase the cost of insurance by as much as thirty percent. Drivers with multiple violations such as DUI or willful reckless driving are required to maintain a SR-22 with their state in order to legally drive a vehicle.
The information below demonstrates how traffic citations and accidents can increase Ford Fusion insurance costs for each different age category. The premiums are based on a single male driver, full coverage, $500 deductibles, and no other discounts are factored in.
What are good liability insurance limits? – The liability section of your policy provides coverage when you are responsible for damages caused by your negligence. This coverage provides you with a defense in court which can cost thousands of dollars. Liability is cheap compared to insuring for physical damage coverage, so do not cut corners here.
Insurance loss data for Ford Fusion vehicles – Car insurance companies analyze past claim statistics to help calculate a profitable premium rate. Models that the statistics show to have higher claim frequency or loss amount will have higher rates. The information below illustrates the collected loss data for Ford Fusion vehicles.
For each policy coverage, the claim probability for all vehicles, without regard to make or model, is set at 100. Values that are below 100 suggest losses that are better than average, while numbers shown that are more than 100 indicate more frequent claims or an increased likelihood of larger losses.
|Vehicle 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|
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
How to get Pittsburgh Ford Fusion insurance quotes
Most companies give coverage price quotes from their websites. Getting online rates for Ford Fusion insurance in Pittsburgh is pretty easy because you just enter your coverage information as detailed in the form. When complete, the quote system will obtain your driving record and credit report and generates a price based on these factors. Using the web to get quotes for Ford Fusion insurance in Pittsburgh makes it simple to compare prices and it’s absolutely necessary to get many rate quotes if you are searching for the lowest possible payments on auto insurance.
If you want to compare rates using this form now, compare rates now from the companies shown below. If you currently have coverage, we recommend you input the coverage information identical to your current policy. This guarantees you are getting rate comparison quotes for similar insurance coverage.
The companies in the list below are our best choices to provide comparison quotes in Pennsylvania. If multiple companies are listed, we suggest you visit two to three different companies in order to get a fair rate comparison.
Ford Fusion coverage analysis
The coverage information shown next showcases detailed analysis of insurance rates for Ford Fusion models. Having a good understanding how policy rates are figured is important for you to make decisions when choosing a new policy provider.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Fusion S 4-Dr Sedan||$196||$356||$310||$18||$92||$972||$81|
|Fusion SE 4-Dr Sedan||$222||$420||$310||$18||$92||$1,062||$89|
|Fusion Hybrid 4-Dr Sedan||$222||$482||$386||$22||$116||$1,228||$102|
|Fusion SEL 4-Dr Sedan||$222||$420||$310||$18||$92||$1,062||$89|
|Fusion Sport 4-Dr Sedan||$222||$420||$310||$18||$92||$1,062||$89|
|Fusion SEL AWD 4-Dr Sedan||$246||$482||$310||$18||$92||$1,148||$96|
|Fusion Sport AWD 4-Dr Sedan||$246||$482||$310||$18||$92||$1,148||$96|
|Get Your Own Custom Quote Go|
Data rating is based on married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Rates do not factor in your specific Pittsburgh location which can impact price quotes greatly.
An analysis of deductible level
One frequently asked question is which comprehensive and collision deductibles to buy. The data tables below illustrate the differences in premium rates when you choose different insurance deductibles. The first set of prices uses a $100 deductible for physical damage and the second price table uses a $1,000 deductible.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Fusion S 4-Dr Sedan||$284||$512||$330||$20||$98||$1,269||$106|
|Fusion SE 4-Dr Sedan||$320||$602||$330||$20||$98||$1,395||$116|
|Fusion Hybrid 4-Dr Sedan||$320||$694||$412||$24||$124||$1,599||$133|
|Fusion SEL 4-Dr Sedan||$320||$602||$330||$20||$98||$1,395||$116|
|Fusion Sport 4-Dr Sedan||$320||$602||$330||$20||$98||$1,395||$116|
|Fusion SEL AWD 4-Dr Sedan||$356||$694||$330||$20||$98||$1,523||$127|
|Fusion Sport AWD 4-Dr Sedan||$356||$694||$330||$20||$98||$1,523||$127|
|Get Your Own Custom Quote Go|
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Fusion S 4-Dr Sedan||$158||$270||$330||$20||$98||$876||$73|
|Fusion SE 4-Dr Sedan||$178||$318||$330||$20||$98||$944||$79|
|Fusion Hybrid 4-Dr Sedan||$178||$366||$412||$24||$124||$1,104||$92|
|Fusion SEL 4-Dr Sedan||$178||$318||$330||$20||$98||$944||$79|
|Fusion Sport 4-Dr Sedan||$178||$318||$330||$20||$98||$944||$79|
|Fusion SEL AWD 4-Dr Sedan||$198||$366||$330||$20||$98||$1,012||$84|
|Fusion Sport AWD 4-Dr Sedan||$198||$366||$330||$20||$98||$1,012||$84|
|Get Your Own Custom Quote Go|
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Premium amounts do not factor in specific garaging location which can lower or raise auto insurance rates significantly.
Based on the data above, we can derive that using a $100 deductible costs an average of $39 more each month or $468 for a full year than requesting the higher $1,000 deductible. Because you would be required to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you go at a minimum 23 months between claims, you would more than likely save some money if you choose the higher deductible. The numbers below show an example of how you can perform this determination yourself.
|Average monthly premium for $100 deductibles:||$120|
|Average monthly premium for $1,000 deductibles (subtract):||– $81|
|Monthly savings from raising deductible:||$39|
|Difference between deductibles ($1,000 – $100):||$900|
|Divide difference by monthly savings:||$900 / $39|
|Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible||23 months|
An important thing to remember is that raising deductibles to get cheaper rates means you will have to pay more when you file a claim. You need to make sure you have enough savings in the event you need to pay more to get your vehicle repaired.
The illustration below highlights how deductible selection and can change Ford Fusion annual premium costs for different ages of insureds. The rate quotes are based on a married male driver, comprehensive and collision coverage, and no discounts are factored in.
Do you need full coverage?
The chart below visualizes the comparison of Ford Fusion insurance rates with liability coverage only compared to full coverage. The rate quotes are based on a clean driving record, no claims, $250 deductibles, marital status is single, and no policy discounts are applied.
When to drop comprehensive and collision
There is no set guideline of when to stop paying for comp and collision coverage, but there is a general school of thought. If the yearly cost of full coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.
For example, let’s pretend your Ford Fusion replacement cost is $5,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most your company would pay you is $4,000 after paying the physical damage deductible. If premium cost is more than $400 a year for full coverage, then you may want to consider only buying liability coverage.
There are some conditions where only buying liability is not in your best interest. If you still owe a portion of the original loan, you have to maintain full coverage in order to satisfy the requirements of the loan. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should maintain full coverage.
Here’s why insurance is not optional
Even though it can be expensive, insurance is required in Pennsylvania but also provides important benefits.
First, most states have minimum mandated liability insurance limits which means the state requires a minimum amount of liability insurance coverage in order to drive the car. In Pennsylvania these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if your vehicle has a loan, most lenders will make it mandatory that you buy full coverage to ensure the loan is repaid in case of a total loss. If coverage lapses or is canceled, the bank or lender will purchase a policy for your Ford at a significantly higher premium and force you to reimburse them the higher price.
Third, insurance safeguards both your Ford and your personal assets. It will also reimburse you for many types of medical costs for both you and anyone you injure as the result of an accident. Liability insurance, one of your policy coverages, will also pay to defend you if anyone sues you for causing an accident. If mother nature or an accident damages your car, your insurance policy will pay to repair the damage.
The benefits of having insurance greatly outweigh the cost, especially when you need to use it. Despite what companies tell you, the average driver overpays more than $830 a year so smart consumers compare quotes at every renewal to make sure the price is not too high.
Companies offer many types of discounts on Ford Fusion insurance in Pittsburgh
Some providers don’t always advertise all discounts very well, so the list below gives a summary of a few of the more well known and the more hidden credits available to lower your premiums when you buy Pittsburgh car insurance online.
- Early Signing – Some insurance companies reward drivers for buying a new policy before your current Fusion insurance policy expires. It can save you around 10%.
- Paperwork-free – A few insurance companies will give you a small discount get Pittsburgh car insurance on their website.
- Distant Student – College-age children who are enrolled in a college that is more than 100 miles from Pittsburgh without a vehicle on campus can receive lower rates.
- Air Bag Discount – Vehicles equipped with air bags may qualify for discounts of 20 to 30 percent.
- Telematics Discount – Insureds who allow driving data collection to scrutinize their driving habits by using a telematic data system like Allstate’s Drivewise could see a rate decrease if their driving habits are good.
- ABS Brakes – Anti-lock brake equipped vehicles prevent accidents and the ABS can save up to 10%.
- Good Grades Discount – Being a good student can be rewarded with saving of up to 25%. You can use this discount normally up to age 25.
Policy discounts save money, but most of the big mark downs will not be given to the entire policy premium. A few only apply to individual premiums such as collision or personal injury protection. So when the math indicates you can get free auto insurance, companies wouldn’t make money that way.
The illustration below visualizes the comparison of Ford Fusion insurance prices with and without discounts applied to the premium. The premiums assume a female driver, no accidents, no driving violations, Pennsylvania state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, marriage, multi-car, homeowner, and multi-policy discounts applied.
A list of insurance companies and some of their more popular discounts can be found below.
- State Farm includes discounts for driver’s education, anti-theft, multiple autos, Drive Safe & Save, safe vehicle, and good student.
- American Family offers discounts including Steer into Savings, good student, defensive driver, accident-free, and multi-vehicle.
- AAA may include discounts for AAA membership discount, multi-car, good student, multi-policy, and good driver.
- GEICO may have discounts that include five-year accident-free, air bags, seat belt use, membership and employees, and good student.
- Mercury Insurance may offer discounts for good driver, anti-theft, location of vehicle, accident-free, and low natural disaster claims.
- Farmers Insurance has savings for multi-car, bundle discounts, good student, business and professional, and early shopping.
- Progressive offers premium reductions for multi-vehicle, multi-policy, online quote discount, online signing, good student, and homeowner.
Before buying, ask every company the best way to save money. Discounts might not apply in your area. To see insurance companies who offer online Ford Fusion insurance quotes in Pittsburgh, click this link.
When to contact an agent
Some consumers just prefer to have an agent’s advice and doing that can be a smart decision The best thing about getting free rate quotes online is you may find the best rates and also buy local.
For easy comparison, once you complete this quick form, the quote information is emailed to insurance agents in Pittsburgh who will give you bids to get your business. You won’t even need to visit any agencies due to the fact that quote results will go directly to your email. You can most likely find cheaper rates AND a local agent. If you need to compare prices from a specific insurance company, you just need to navigate to their website to submit a rate quote request.
Picking the best insurer needs to be determined by more than just a low price. These are some questions you should get answers to.
- Do the coverages you’re quoting properly cover your vehicle?
- Is the agent CPCU or CIC certified?
- Do they carry Errors and Omissions coverage?
- How long has the business existed?
- Does the agent have a valid license to sell insurance in Pennsylvania?
When looking for a reliable agent, there are two types of agencies and how they operate. Agents are considered either independent agents or exclusive agents.
Exclusive Insurance Agents
Exclusive agencies have only one company to place business with and examples are Allstate and State Farm. They usually cannot provide prices from multiple companies so keep that in mind. They are usually quite knowledgeable on sales techniques which helps them sell insurance even at higher premiums.
Listed below are exclusive agencies in Pittsburgh that are able to give comparison quotes.
Darlene Shelton-Lamot – State Farm Insurance Agent
911 Western Ave – Pittsburgh, PA 15233 – (412) 322-1064 – View Map
Independent Auto Insurance Agencies
These agents do not work for one specific company so they have the ability to put coverage with lots of companies and find you the best rates. If your premiums go up, they can switch companies in-house which requires no work on your part. When comparison shopping, it’s a good idea to get insurance quotes from several independent insurance agents for maximum quote selection.
Shown below is a short list of independent insurance agents in Pittsburgh who can help you get price quotes.
If you get satisfactory answers to any questions you have in addition to an acceptable price estimate, it’s possible that you found an auto insurance agent that is a good match to insure your vehicles. Just remember consumers can cancel your policy at any point so never feel you’re contractually obligated to any particular company for the full policy term.
Best car insurance company in Pennsylvania
Ending up with a highly-rated company can be a challenge considering how many companies are available to choose from in Pennsylvania. The rank data in the next section can help you decide which car insurance providers to look at comparing rates from.
Top 10 Pittsburgh Car Insurance Companies Ranked by Claims Service
- Liberty Mutual
- State Farm
- Titan Insurance
- The General
- 21st Century
What is the best insurance coverage?
Keep in mind that when it comes to choosing coverage for your vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is unique and a cookie cutter policy won’t apply.
Here are some questions about coverages that may help you determine if your situation may require specific advice.
- Should I file a claim if it’s only slightly more than my deductible?
- Is my nanny covered when transporting my kids?
- Is my camper covered for physical damage?
- What if I don’t agree with a claim settlement offer?
- Is my business laptop covered if it gets stolen from my vehicle?
- Is business equipment covered while in my vehicle?
If you can’t answer these questions but one or more may apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies.
Smart consumers save more
Cheaper Ford Fusion insurance in Pittsburgh is definitely available on the web as well as from insurance agents, and you should be comparing both to have the best selection. Some companies may not provide the ability to get quotes online and many times these smaller companies provide coverage only through independent agents.
In this article, we presented many tips how you can shop for Ford Fusion insurance online. The key thing to remember is the more quotes you get, the better your comparison will be. You may even discover the biggest savings come from a company that doesn’t do a lot of advertising. Some small companies can often provide lower prices in certain areas as compared to the big name companies such as Progressive and GEICO.
For more information, take a look at the resources below:
- Teen Driver Licensing Information (iihs.org)
- Who Has the Cheapest Auto Insurance for a Company Car in Pittsburgh? (FAQ)
- What Auto Insurance is Cheapest with Multiple Speeding Tickets in Pittsburgh? (FAQ)
- Who Has the Cheapest Pittsburgh Auto Insurance for Homeowners? (FAQ)
- Who Has Cheap Auto Insurance for 4×4 Vehicles in Pittsburgh? (FAQ)
- What Auto Insurance is Cheapest for Unemployed Drivers in Pittsburgh? (FAQ)
- How Much are Pittsburgh Auto Insurance Quotes for a Subaru Outback? (FAQ)
- How Much are Pittsburgh Car Insurance Rates for a Honda CR-V? (FAQ)
- Collision Coverage (Liberty Mutual)
- Preventing Carjacking and Theft (Insurance Information Institute)