High-priced car insurance in Greensboro can deplete your personal savings and make it impossible to make ends meet. Performing a rate comparison is an excellent way to cut your insurance bill.

Discount Ford Fusion insuranceA recent NerdWallet.com study revealed that most drivers in North Carolina have bought car insurance from the same company for over three years, and 38% of customers have never taken the time to shop around. Many consumers in the U.S. could pocket nearly $859 a year, but they don't want to spend time to find cheap rates by getting comparison quotes.

Insurance companies such as Allstate, Liberty Mutual and State Farm all promote huge savings with TV and radio ads and consumers find it hard to see through the cute green geckos and mayhem and find the best price available.

If you have a current car insurance policy, you will most likely be able to get lower rates using these methods. Locating the most cost-effective car insurance policy in Greensboro is really quite easy. Although North Carolina car owners can benefit from knowing how big insurance companies calculate your policy premium because it can help you find the best coverage.

Companies offering cheap Ford Fusion rate quotes in Greensboro, NC

The companies in the list below have been selected to offer free quotes in Greensboro, NC. If more than one company is shown, it's a good idea that you visit two to three different companies to get the best price comparison.

Ford Fusion Insurance Estimates in Greensboro, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $134 $256 $262 $16 $78 $746 $62
Fusion SE 4-Dr Sedan $172 $302 $254 $16 $76 $820 $68
Fusion Hybrid 4-Dr Sedan $212 $506 $376 $22 $112 $1,228 $102
Fusion SEL 4-Dr Sedan $130 $236 $254 $16 $76 $712 $59
Fusion Sport 4-Dr Sedan $148 $296 $336 $20 $100 $900 $75
Fusion SEL AWD 4-Dr Sedan $268 $540 $336 $20 $100 $1,264 $105
Fusion Sport AWD 4-Dr Sedan $152 $294 $234 $14 $70 $764 $64
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Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Premium amounts do not factor in zip code location which can modify price quotes substantially.

Comparison of full coverage and liability-only policies

The diagram below illustrates the comparison of Ford Fusion auto insurance rates with full coverage compared to only the North Carolina minimum liability coverage. The rates are based on no claims, a clean driving record, $1,000 deductibles, single female driver, and no discounts are applied.

Should you pay for full coverage or liability only?

There is no exact formula that works best for making the decision to drop comprehensive and collision coverage on your policy, but there is a guideline you can use. If the annual cost of having full coverage is about 10% or more of replacement cost minus your deductible, then it may be the right time to buy liability only.

For example, let's say your Ford Fusion replacement cost is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $6,000 after paying your deductible. If you are paying more than $600 annually for comprehensive and collision coverage, then it might be time to consider dropping full coverage.

There are some conditions where eliminating full coverage is not financially feasible. If you still have a lienholder on your title, you have to carry full coverage in order to keep the loan. Also, if you can't afford to buy a different vehicle if your current one is damaged, you should keep full coverage.

Rate comparison for different deductibles

One of the most common car insurance questions is where to set your physical damage deductibles. The comparison tables below can help you understand the differences in premium rates when you select higher and lower physical damage coverage deductibles. The first data set uses a $250 deductible and the second price chart uses a $500 deductible.

Ford Fusion insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $192 $324 $250 $14 $74 $879 $73
Fusion SE 4-Dr Sedan $218 $382 $250 $14 $74 $963 $80
Fusion Hybrid 4-Dr Sedan $218 $440 $312 $18 $94 $1,107 $92
Fusion SEL 4-Dr Sedan $218 $382 $250 $14 $74 $963 $80
Fusion Sport 4-Dr Sedan $218 $382 $250 $14 $74 $963 $80
Fusion SEL AWD 4-Dr Sedan $242 $440 $250 $14 $74 $1,045 $87
Fusion Sport AWD 4-Dr Sedan $242 $440 $250 $14 $74 $1,045 $87
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Ford Fusion insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $156 $262 $250 $14 $74 $756 $63
Fusion SE 4-Dr Sedan $176 $308 $250 $14 $74 $822 $69
Fusion Hybrid 4-Dr Sedan $176 $354 $312 $18 $94 $954 $80
Fusion SEL 4-Dr Sedan $176 $308 $250 $14 $74 $822 $69
Fusion Sport 4-Dr Sedan $176 $308 $250 $14 $74 $822 $69
Fusion SEL AWD 4-Dr Sedan $196 $354 $250 $14 $74 $888 $74
Fusion Sport AWD 4-Dr Sedan $196 $354 $250 $14 $74 $888 $74
Get Your Own Custom Quote Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Rates do not factor in zip code location which can modify rates significantly.

We can derive from the above data that using a $250 deductible costs an average of $12 more each month or $144 for a full year than requesting the higher $500 deductible. Due to the fact that you would have to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you have at a minimum 21 months between claims, you would probably be better off by selecting a higher deductible.

You may qualify for discounts for Ford Fusion insurance in Greensboro

Car insurance can cost a lot, but there's a good chance there are discounts to help bring down the price. Many of these discounts will be applied automatically when you quote, but some need to be asked for before you will receive the discount.

A little note about advertised discounts, some credits don't apply the the whole policy. Most cut individual premiums such as comprehensive or collision. So even though you would think you could get a free insurance policy, company stockholders wouldn't be very happy.

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

If you are trying to find affordable Ford Fusion insurance quotes, ask every company how you can save money. Discounts may not apply to policyholders in Greensboro.

Insurance agents can give valuable advice

Many people just prefer to sit down with an agent and there is nothing wrong with that. One of the best bonuses of comparing rate quotes online is you can get the lowest rates and also buy local.

To make it easy to find an agent, after completing this quick form, your insurance data is sent to local insurance agents who will gladly provide quotes for your insurance coverage. It makes it easy because there is no need to search for an agent because quoted prices will be sent directly to you. You can most likely find cheaper rates and an insurance agent to talk to. If you have a need to quote rates from a specific insurance provider, feel free to go to their quote page and fill out the quote form the provide.

Deciding on a insurer is decision based upon more than just a cheap quote. Before buying a policy in Greensboro, get answers to these questions.

Pick the best auto insurance agent in Greensboro for you

If you are searching for a local agent, it can be helpful to understand the types of agencies and how they operate. Insurance policy providers can be categorized as either independent or exclusive.

Exclusive Insurance Agents

Exclusive agencies have only one company to place business with like State Farm, Allstate and AAA. They generally cannot provide prices from multiple companies so keep that in mind. Exclusive insurance agents receive a lot of sales training in insurance sales which helps them sell on service rather than price.

Shown below is a list of exclusive agents in Greensboro who may provide you with comparison quotes.


407 Parkway Ave c - Greensboro, NC 27401 - (336) 274-1918 - View Map

Zach Crutchfield - State Farm Insurance Agent
3608 W Friendly Ave #207 - Greensboro, NC 27410 - (336) 547-0316 - View Map


1420 Westover Terrace Ste D - Greensboro, NC 27408 - (336) 854-7701 - View Map

More Greensboro agents

Independent Agents (or Brokers)

Agents in the independent channel can quote rates with many companies and that allows them to write policies through many companies and find the cheapest rate. To transfer your coverage to a different company, they simply move your policy to a different company and you can keep the same agent.

If you are trying to find cheaper rates, we highly recommend that you contact a few independent agents to have the most options to choose from.

Listed below are Greensboro independent agencies that are able to give comparison quotes.


3512 Wendover Ave E b - Greensboro, NC 27405 - (336) 375-8600 - View Map


5709 W Friendly Ave - Greensboro, NC 27410 - (336) 299-5185 - View Map


924 E Bessemer Ave - Greensboro, NC 27405 - (336) 272-7168 - View Map

More Greensboro agents

In Summary

Budget-friendly auto insurance in Greensboro is available from both online companies and also from your neighborhood Greensboro agents, and you should be comparing both to get a complete price analysis. There are still a few companies who may not have price quotes online and usually these small insurance companies sell through independent insurance agencies.

As you go through the steps to switch your coverage, do not reduce needed coverages to save money. There have been many situations where someone sacrificed liability limits or collision coverage only to regret that saving that couple of dollars actually costed them tens of thousands. Your focus should be to buy enough coverage at the best price but still have enough coverage for asset protection.

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