The most effective way to get budget Ford Fusion insurance in Corpus Christi is to annually compare prices from insurers in Texas. Prices can be compared by completing these steps.
- Step 1: Try to learn a little about coverages and the modifications you can make to prevent rate increases. Many rating criteria that cause high rates such as accidents, traffic violations, and poor credit history can be eliminated by making small lifestyle or driving habit changes. Read the full article for ideas to get cheaper coverage and find possible discounts that are available.
- Step 2: Request rate estimates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only provide price estimates from one company like Progressive and State Farm, while independent agencies can give you price quotes for many different companies. Compare rates
- Step 3: Compare the price quotes to the premium of your current policy and determine if there is any savings. If you can save some money and decide to switch, make sure there is no lapse in coverage.
- Step 4: Provide written notification to your current company to cancel your current auto insurance policy. Submit a completed application and payment to your new carrier. Once the paperwork is finalized, put the certificate verifying coverage above your visor, in the console, or in the glove compartment.
One key aspect when comparing rates is that you’ll want to make sure you compare similar coverage information on each price quote and to quote with every insurance company. Doing this guarantees an apples-to-apples comparison and the best price selection.
It’s a known fact that car insurance companies don’t want their policyholders to compare prices. Drivers who perform rate comparisons will most likely buy a new policy because of the good chance of getting low-cost coverage. A study showed that consumers who compared prices regularly saved $3,500 over four years compared to policyholders who don’t regularly compare prices.
If finding the lowest price on car insurance in Corpus Christi is your ultimate goal, then having a good understanding how to compare auto insurance can save time and money.
Our goal in writing this article let you in on how to compare rates easily and some tricks to saving. If you have coverage now, you will most likely be able to get lower rates using the tips covered below. Although Texas consumers can benefit from knowing the way insurance companies sell online because it can help you find the best coverage.
Coverage statistics and figures
The table displayed below covers a range of insurance prices for Ford Fusion models. Having a good understanding how insurance prices are calculated can help customers make smart choices when comparing insurance rates.
| 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 |
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Premium costs do not factor in Corpus Christi location which can impact coverage prices substantially.
Where to set your deductibles
One frequently asked question is how high should the physical damage deductibles be. The rates below highlight the rate difference when you choose different deductibles. The first price estimate table uses a $100 deductible for physical damage and the second set of rates uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion S 4-Dr Sedan | $328 | $592 | $382 | $22 | $114 | $1,463 | $122 |
| Fusion SE 4-Dr Sedan | $370 | $698 | $382 | $22 | $114 | $1,611 | $134 |
| Fusion Hybrid 4-Dr Sedan | $370 | $804 | $476 | $28 | $142 | $1,845 | $154 |
| Fusion SEL 4-Dr Sedan | $370 | $698 | $382 | $22 | $114 | $1,611 | $134 |
| Fusion Sport 4-Dr Sedan | $370 | $698 | $382 | $22 | $114 | $1,611 | $134 |
| Fusion SEL AWD 4-Dr Sedan | $412 | $804 | $382 | $22 | $114 | $1,759 | $147 |
| Fusion Sport AWD 4-Dr Sedan | $412 | $804 | $382 | $22 | $114 | $1,759 | $147 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion S 4-Dr Sedan | $240 | $400 | $382 | $22 | $114 | $1,158 | $97 |
| Fusion SE 4-Dr Sedan | $270 | $472 | $382 | $22 | $114 | $1,260 | $105 |
| Fusion Hybrid 4-Dr Sedan | $270 | $542 | $476 | $28 | $142 | $1,458 | $122 |
| Fusion SEL 4-Dr Sedan | $270 | $472 | $382 | $22 | $114 | $1,260 | $105 |
| Fusion Sport 4-Dr Sedan | $270 | $472 | $382 | $22 | $114 | $1,260 | $105 |
| Fusion SEL AWD 4-Dr Sedan | $300 | $542 | $382 | $22 | $114 | $1,360 | $113 |
| Fusion Sport AWD 4-Dr Sedan | $300 | $542 | $382 | $22 | $114 | $1,360 | $113 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Price estimates do not factor in the specific area where the vehicle is garaged which can influence prices significantly.
Based on these figures, using a $100 deductible would cost the average driver about $30 more each month or $360 annually averaged for all Fusion models than choosing the higher $500 deductible. Because you would be required to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you normally go at least 13 months between claims, you would more than likely save some money if you elect the higher deductible.
The example below demonstrates how choosing different deductibles and can affect Ford Fusion insurance costs for different ages of insureds. The information is based on a married male driver, full coverage, and no discounts are applied to the premium.
What Impacts Ford Fusion Insurance Costs?
Many things are used when you quote your car insurance policy. Some factors are common sense like a motor vehicle report, but some are less apparent such as your credit history or how safe your car is. Smart consumers have a good feel for the factors that aid in calculating your insurance rates. If you have some idea of what determines base rates, this empowers consumers to make smart changes that will entitle you to lower premium levels.
The items below are a few of the “ingredients” companies use to determine your rate level.
- City traffic equals higher prices – Choosing to live in smaller towns and rural areas of the country has definite advantages when insuring your vehicles. Urban drivers regularly have more road rage incidents and more severe claims. Less people means reduced accidents.
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Insurance rates are higher for high performance vehicles – The performance level of the car you need to insure makes a substantial difference in your auto insurance rates. Low performance passenger vehicles usually have the lowest premiums, but many other things help determine your insurance rates.
The following data uses these variables: married male driver age 20, full coverage with $100 deductibles, and no discounts or violations. The data compares Ford Fusion policy rates compared to other vehicles that have a range of performance risks.
- No policy lapses lowers rates – Driving with no insurance can get your license suspended and you may have a hard time finding new coverage because you let your coverage have a gap. Not only will rates go up, getting caught without coverage may result in a steep fine or even jail time. You may have to prove you have insurance by filing a SR-22 with the Texas DMV.
- Additional coverages that may be costing you – Policies have additional coverages that can add up when buying insurance. Insurance for things like rental car coverage, accidental death, and extra life insurance coverage may be costing you every month. These may sound like a good investment initially, but your needs may have changed so consider taking them off your policy.
- Poor credit decisions can cost you – Credit rating factor in calculating your premium rate. If your credit score can use some improvement, you could save money insuring your Ford Fusion by repairing your credit. Consumers who have high credit scores tend to be more responsible and file fewer claims as compared to drivers with lower ratings.
- Companies want multiple policies – Most major companies provide discounts to buyers that purchase more than one policy, otherwise known as a multi-policy discount. Even if you qualify for this discount already, it’s always a smart idea to check prices from other companies to confirm you are receiving the best rates possible.
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Insurance losses for a Ford Fusion – Insurers use data from past claims when they set coverage costs for each model. Vehicles that have a trend towards higher claim severity or frequency will have higher premium rates.
The information below illustrates the compiled insurance loss statistics for Ford Fusion vehicles. For each coverage category, the claim amount for all vehicles, as an average, is a value of 100. Numbers shown that are under 100 indicate a favorable loss history, while values over 100 indicate higher probability of having a loss or larger claims.
Ford Fusion Insurance Claim Statistics Vehicle 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 BETTERAVERAGEWORSEStatistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Corpus Christi car insurance company ratings
Finding the top company can be difficult considering how many different companies sell coverage in Texas. The company ratings in the next section may help you pick which car insurance providers you want to consider purchasing coverage from.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
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Data Source: Insure.com Best Car Insurance Companies
Don’t give up on affordable rates
When you buy Corpus Christi car insurance online, it’s not a good idea to buy lower coverage limits just to save a few bucks. Too many times, an insured cut uninsured motorist or liability limits only to find out that the small savings ended up costing them much more. Your aim should be to find the BEST coverage at an affordable rate but still have enough coverage for asset protection.
We’ve covered a lot of techniques to get a better price on Ford Fusion insurance in Corpus Christi. The most important thing to understand is the more rate comparisons you have, the better likelihood of getting inexpensive Corpus Christi car insurance quotes. Drivers may even discover the lowest priced car insurance comes from the least-expected company. These smaller insurers may have significantly lower auto insurance rates on certain market segments than the large multi-state companies such as State Farm, GEICO and Nationwide.
Discount Ford Fusion insurance in Corpus Christi can be found from both online companies and with local Corpus Christi insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance providers may not have rates over the internet and usually these small insurance companies work with independent agents.
Even more information can be read in the articles below:
- Five Mistakes to Avoid (Insurance Information Institute)
- Who Has Cheap Auto Insurance Rates for Retired Military in Corpus Christi? (FAQ)
- Who Has Affordable Corpus Christi Car Insurance Rates for College Graduates? (FAQ)
- Who Has Affordable Car Insurance for Low Income Drivers in Corpus Christi? (FAQ)
- Who Has Affordable Car Insurance Rates for Drivers with Accidents in Corpus Christi? (FAQ)
- Who Has Affordable Car Insurance for Drivers Over Age 60 in Corpus Christi? (FAQ)
- Booster Seat Ratings (iihs.org)
- Five Tips to Save on Auto Insurance (Insurance Information Institute)