Discount Ford Fusion insuranceThere isn't anyone who looks forward to buying insurance, particularly when their premiums are too high.

Statistics show that the majority of drivers kept their coverage with the same insurance company for four years or more, and just under half have never even compared quotes to find cheaper rates. American drivers can cut their rates by approximately $859 a year just by getting comparison quotes, but they won't spend time to compare rates.

Many car insurance companies vie for your business, so it can be very hard to choose a insurance company and get the best coverage at the cheapest price on Ford Fusion insurance in Raleigh.

Components of Your Ford Fusion Insurance Premiums

Lots of things are considered when pricing auto insurance. Some of the criteria are obvious such as traffic violations, but some are more transparent like where you live or your vehicle rating. Part of the insurance buying process is learning some of the elements that are used to determine the rates you pay for insurance. If you understand what influences your rates, this allows you to make educated decisions that could help you find much lower annual insurance costs.

Listed below are some of the factors used by companies to determine prices.

Just remember that making a lot of price comparisons helps locate the best offered rates.

The companies shown below provide price quotes in Raleigh, NC. If more than one company is shown, we suggest you visit as many as you can to get the lowest price.

Ford Fusion Insurance Rates in Raleigh, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $178 $262 $326 $20 $98 $884 $74
Fusion SE 4-Dr Sedan $242 $456 $250 $14 $74 $1,036 $86
Fusion Hybrid 4-Dr Sedan $196 $436 $420 $24 $126 $1,202 $100
Fusion SEL 4-Dr Sedan $172 $302 $254 $16 $76 $820 $68
Fusion Sport 4-Dr Sedan $176 $308 $250 $14 $74 $822 $69
Fusion SEL AWD 4-Dr Sedan $220 $404 $256 $16 $76 $972 $81
Fusion Sport AWD 4-Dr Sedan $144 $312 $324 $20 $96 $896 $75
Get Your Own Custom Quote Go

Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and North Carolina minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Price estimates do not factor in your specific Raleigh location which can modify premium rates greatly.

How accidents and violations affect rates

The information below highlights how speeding tickets and fender-benders can impact Ford Fusion car insurance costs for different age groups. The costs are based on a married male driver, full coverage, $250 deductibles, and no additional discounts are factored in.

Ford Fusion insurance rates by age and gender

The chart below shows the comparison of Ford Fusion auto insurance rates for male and female drivers. The costs are based on no driving violations, no at-fault accidents, full physical damage coverage, $500 deductibles, drivers are single, and no other discounts are factored in.

Insurance myths debunked

Big name companies like GEICO, State Farm and Progressive endlessly run ads on TV and radio. All the companies have a common claim that people will save if you just switch to them. How does each company charge you a lower premium? It's all in the words they use.

Different companies quote their best rates for the type of driver that is profitable for them. One example of a profitable customer could possibly be between the ages of 30 and 45, has few claims, and has excellent credit. A driver who fits that profile receive the lowest rate quotes in Raleigh and will probably save some money.

Potential insureds who are not a match for those standards must pay higher prices which usually ends up with the prospect going elsewhere. If you listen closely, the ads state "drivers that switch" but not "everyone who gets a quote" will save that much if they switch. This is how insurance companies can confidently make those statements.

That is why you should get Raleigh auto insurance quotes from several different companies. It is impossible to predict with any certainty which company will have the best Ford Fusion insurance in Raleigh.

It may be expensive, but it's not optional

Even though it's not necessarily cheap to insure a Ford in Raleigh, insuring your vehicle may not be optional for several reasons.

The benefits of insuring your Fusion more than cancel out the cost, especially for larger claims. The average driver in North Carolina overpays more than $820 a year so compare rate quotes once a year at a minimum to ensure rates are inline.

Discount Raleigh car insurance quotes

Some insurers don't always publicize all available discounts very well, so the list below details both well-publicized and also the more inconspicuous credits that may apply to you. If you do not double check each discount you qualify for, it's possible you qualify for a lower rate.Save money with discounts

As a footnote on discounts, many deductions do not apply to the overall cost of the policy. Some only apply to individual premiums such as physical damage coverage or medical payments. Even though it may seem like you could get a free car insurance policy, companies wouldn't make money that way.

The best car insurance companies and a selection of discounts are:

Check with each company the best way to save money. Some discounts may not be offered in Raleigh. To choose providers with significant discounts in North Carolina, click here.

Insurance agencies are trained to help

Certain consumers prefer to sit down and talk to an agent and that is not a bad decision A good thing about getting online price quotes is that drivers can save money and get the best rates and still have a local agent. Buying insurance from neighborhood insurance agencies is important particularly in Raleigh.

By using this short form, your information is instantly submitted to local insurance agents who will give you bids to get your business. You don't have to search for an agent because quoted prices will be sent to the email address you provide. You can most likely find cheaper rates without the usual hassles of price shopping. If you wish to get a price quote from a specific insurance company, feel free to find their quoting web page and fill out their quote form.

Below are Raleigh car insurance companies that are able to give price quote information for Ford Fusion insurance in Raleigh.

2026 New Bern Ave - Raleigh, NC 27610 - (919) 231-2281 - View Map

7501 Creedmoor Rd #114 - Raleigh, NC 27613 - (919) 676-2502 - View Map

8117 Ebenezer Church Rd - Raleigh, NC 27612 - (919) 782-1560 - View Map

4004 Barrett Dr #206 - Raleigh, NC 27609 - (919) 844-2995 - View Map

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Finding the right provider requires more thought than just the quoted price. Some important questions to ask are:

Compare rates regularly to save

We just covered a lot of ways to save on Ford Fusion insurance in Raleigh. The key thing to remember is the more rate comparisons you have, the better chance you'll have of finding affordable Ford Fusion insurance quotes. Consumers could even find that the lowest prices are with some of the smallest insurance companies. They may cover specific market segments cheaper as compared to the big name companies such as Progressive and GEICO.

Cheaper auto insurance in Raleigh is definitely available both online as well as from independent agents in Raleigh, and you should be comparing both in order to have the best chance of saving money. A few companies may not provide the ability to get quotes online and many times these smaller companies provide coverage only through independent insurance agents.

As you shop your coverage around, it's very important that you do not sacrifice coverage to reduce premiums. There are a lot of situations where an insured dropped liability limits or collision coverage to discover at claim time that the small savings ended up costing them much more. Your focus should be to find the BEST coverage for the lowest price while not skimping on critical coverages.

Much more information about auto insurance in North Carolina can be read at these links: