Would you like to find low-cost Ford Fusion insurance in Kansas City? Did you come to the realization that you have an expensive auto insurance policy? Say no more because there are many Kansas City drivers thinking the same thing.
A recent auto insurance study discovered that the majority of drivers kept their policy with the same company for four years or more, and approximately 38% of consumers have never compared quotes from other companies. Missouri drivers can save hundreds of dollars each year just by shopping around, but they just don't understand the large savings they would see if they moved their coverage to a different company.
You have so many insurance companies to choose from, and even though it's nice to have a selection, it makes it harder to get the best deal for Ford Fusion insurance in Kansas City.
How to buy Ford Fusion insurance online
Keep in mind that comparing more prices helps you find better pricing.
The companies in the list below can provide free quotes in Missouri. If several companies are displayed, we suggest you click on several of them in order to find the most competitive rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Fusion S 4-Dr Sedan||$160||$294||$256||$16||$76||$802||$67|
|Fusion SE 4-Dr Sedan||$130||$236||$274||$16||$82||$738||$62|
|Fusion Hybrid 4-Dr Sedan||$216||$380||$436||$26||$130||$1,188||$99|
|Fusion SEL 4-Dr Sedan||$254||$560||$322||$20||$96||$1,252||$104|
|Fusion Sport 4-Dr Sedan||$162||$322||$280||$16||$84||$864||$72|
|Fusion SEL AWD 4-Dr Sedan||$202||$400||$256||$16||$76||$950||$79|
|Fusion Sport AWD 4-Dr Sedan||$248||$532||$346||$20||$104||$1,250||$104|
|Get Your Own Custom Quote Go|
Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Missouri minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Table data does not factor in specific location which can alter coverage prices noticeably.
Rate difference between full and liability-only coverage
The example below shows the comparison of Ford Fusion car insurance costs with and without full coverage. The premiums assume no claims or driving citations, $250 deductibles, married female driver, and no discounts are taken into consideration.
Should you buy full coverage or liability only?
There is no definitive formula to exclude physical damage coverage, but there is a general guideline you can use. If the annual cost of coverage is more than 10% of replacement cost minus your deductible, then it's probably a good time to buy liability coverage only.
For example, let's say your Ford Fusion settlement value is $5,000 and you have $1,000 deductibles. If your vehicle is totaled, the most your company will settle for is $4,000 after paying your policy deductible. If you are currently paying more than $400 annually for full coverage, then it might be time to consider dropping full coverage.
There are some circumstances where buying only liability insurance is not advised. If you still have a lienholder on your title, you have to carry full coverage as part of the loan requirements. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should keep full coverage on your policy.
Safe drivers pay cheaper rates
The diagram below illustrates how traffic citations and accident claims drive up Ford Fusion car insurance rates for different age groups of insureds. The data is based on a married female driver, full coverage, $1,000 deductibles, and no other discounts are factored in.
Ford Fusion annual premiums for males versus females
The example below visualizes the comparison of Ford Fusion annual premium costs for male and female drivers. The premiums are based on no claims, a clean driving record, comprehensive and collision coverage, $1,000 deductibles, single marital status, and no discounts are taken into consideration.
Compare prices but buy from a local Kansas City insurance agent
Many drivers just prefer to talk to a local agent and doing so can bring peace of mind An additional benefit of price shopping on the web is that drivers can save money and get lower rates and also buy local. And providing support for local insurance agencies is important especially in Kansas City.
Once you complete this form (opens in new window), the coverage information is transmitted to local insurance agents in Kansas City who will give competitive quotes for your car insurance coverage. There is no need to leave your house because quoted prices will be sent straight to your inbox. You'll get the best rates and a licensed agent to work with. If you want to get a comparison quote for a specific company, you just need to search and find their rate quote page and give them your coverage information.
Choose an insurance agent wisely
When searching for an insurance agent, you should know the types of insurance agents and how they operate. Kansas City agents can either be independent or exclusive.
Independent Car Insurance Agencies
Independent agencies can sell policies from many different companies and that enables them to quote your coverage amongst many companies and find you the best rates. To move your coverage to a new company, they simply move the coverage in-house and you won't have to switch agencies.
When searching for an agent, you will want to check rates from several independent insurance agents for maximum quote selection.
Shown below is a partial list of independent insurance agents in Kansas City who may be able to give you free rate quotes.
Chris Jones Insurance Agency
435 Nichols Rd #200 Kansas City, MO 64112 - Kansas City, MO 64112 - (816) 479-0212 - View Map
Exclusive Insurance Agencies
Exclusive agencies can only provide one company's prices such as AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agencies are unable to compare rates from other companies so they have to upsell other benefits. Exclusive insurance agents are highly trained on their company's products and that can be a competitive advantage.
Below are exclusive agents in Kansas City who can help you get rate quotes.
Picking the best insurance agent shouldn't rely on just a cheap price. These are some questions you should get answers to.
- What company holds the largest book of business for them?
- If you have an accident, will your rates go up?
- Is there a 24/7 contact number?
- Are they properly licensed to sell insurance in Missouri?
- Is there any savings for paying the full premium?
- How many years have they been established?
- How long have they worked with personal auto insurance coverage?