Insurance for Ford FusionAre you burned out from sacrificing each month for car insurance? You are no different than many other Missouri drivers.

Unbelievable but true according to a study most car insurance buyers have remained with the same car insurance company for more than four years, and 38% of drivers have never even shopped around for lower-cost coverage. With the average car insurance premium being $1,500, Missouri drivers could cut their rates by roughly 25% a year just by shopping around, but they just don't want to compare rates and save money. Online insurance companies like State Farm, Progressive and GEICO all promote huge savings with catchy ads and it is challenging if not impossible to ignore the promise of big savings and find the best price available.

It's smart to get comparison quotes quite often because prices are usually higher with each renewal. Just because you had the best price on Ford Fusion insurance in St. Louis a year ago there may be better deals available now. Forget anything you know (or think you know) about car insurance because you're going to get a crash course in one of the quickest ways to lower your annual insurance bill.

If you have coverage now or are looking for a new policy, you can use these tips to shop for the lowest rates without having to cut coverage. Locating the best rates in St. Louis is actually very simple if you learn how to start. Smart shoppers just have to know the quickest method to compare rate quotes online.

Get affordable rates by taking advantage of discounts

Some insurers do not list every disount available very clearly, so the next list breaks down a few of the more common and the harder-to-find credits available to bring down your rates.

Drivers should understand that many deductions do not apply to the overall cost of the policy. Most only cut specific coverage prices like liability, collision or medical payments. Even though it may seem like having all the discounts means you get insurance for free, you won't be that lucky. Any qualifying discounts will lower the amount you pay for coverage.

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

If you are trying to find the cheapest Ford Fusion rate quotes, ask every prospective company to apply every possible discount. Some discounts might not be available to policyholders in your state.

The quickest method we recommend to get rate comparisons for Ford Fusion insurance in St. Louis utilizes the fact most larger insurance companies participate in a system to compare rate quotes. To get started, all you need to do is provide details like if you're married, how your vehicles are used, your credit rating estimate, and what you do for a living. Those rating factors gets sent immediately to many of the top insurers and you should receive rate quotes quickly.

To find lower cheaper Ford Fusion insurance rates now, click here and enter your zip code.

The car insurance companies shown below can provide quotes in St. Louis, MO. If the list has multiple companies, we recommend you click on several of them to get the best price comparison.

Ford Fusion Insurance Rates in St. Louis, MO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $220 $468 $346 $20 $104 $1,158 $97
Fusion SE 4-Dr Sedan $258 $488 $266 $16 $80 $1,108 $92
Fusion Hybrid 4-Dr Sedan $200 $462 $350 $20 $104 $1,136 $95
Fusion SEL 4-Dr Sedan $182 $348 $256 $16 $76 $878 $73
Fusion Sport 4-Dr Sedan $146 $274 $250 $14 $74 $758 $63
Fusion SEL AWD 4-Dr Sedan $192 $350 $274 $16 $82 $914 $76
Fusion Sport AWD 4-Dr Sedan $204 $372 $272 $16 $82 $946 $79
Get Your Own Custom Quote Go

Premium data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Missouri minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Rate quotes do not factor in specific zip code location which can impact insurance rates noticeably.

Comparison of policy deductibles

One of the hardest decisions when shopping for auto insurance is which deductibles should you choose. The following insurance rates can help you understand the differences in premium rates of buying low and high comp and collision deductibles. The first data table uses a $100 deductible and the second price grid uses a $1,000 deductible.

Ford Fusion insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $230 $414 $266 $16 $80 $1,031 $86
Fusion SE 4-Dr Sedan $258 $488 $266 $16 $80 $1,133 $94
Fusion Hybrid 4-Dr Sedan $258 $562 $332 $20 $100 $1,297 $108
Fusion SEL 4-Dr Sedan $258 $488 $266 $16 $80 $1,133 $94
Fusion Sport 4-Dr Sedan $258 $488 $266 $16 $80 $1,133 $94
Fusion SEL AWD 4-Dr Sedan $288 $562 $266 $16 $80 $1,237 $103
Fusion Sport AWD 4-Dr Sedan $288 $562 $266 $16 $80 $1,237 $103
Get Your Own Custom Quote Go
Ford Fusion insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $128 $218 $266 $16 $80 $708 $59
Fusion SE 4-Dr Sedan $144 $258 $266 $16 $80 $764 $64
Fusion Hybrid 4-Dr Sedan $144 $296 $332 $20 $100 $892 $74
Fusion SEL 4-Dr Sedan $144 $258 $266 $16 $80 $764 $64
Fusion Sport 4-Dr Sedan $144 $258 $266 $16 $80 $764 $64
Fusion SEL AWD 4-Dr Sedan $160 $296 $266 $16 $80 $818 $68
Fusion Sport AWD 4-Dr Sedan $160 $296 $266 $16 $80 $818 $68
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Rate quotes do not factor in specific location information which can increase or decrease coverage rates significantly.

Using the data above, we can ascertain that using a $100 deductible will cost you roughly $31 more each month or $372 each year than requesting the higher $1,000 deductible. Since you would have to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you usually have more than 29 months between claim filings, you would probably be better off if you choose a higher deductible. Below is the way this calculation is made.

Average monthly premium for $100 deductibles: $97
Average monthly premium for $1,000 deductibles (subtract): - $66
Monthly savings from raising deductible: $31
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $31
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 29 months

One important caveat is that raising deductibles results in having to pay to pay more out-of-pocket at claim time. You need enough disposable savings in order to pay more for the deductible.

How Your Fusion Insurance Rates are Determined

Consumers need to have an understanding of some of the things that come into play when calculating the price you pay for insurance. If you have a feel for what determines base rates, this empowers consumers to make smart changes that may reward you with lower premium levels. Many different elements are used in the calculation when pricing auto insurance. Some are obvious like a motor vehicle report, although some other factors are not quite as obvious such as whether you are married and annual miles driven.

The items below are most of the major factors insurance companies consider when setting prices.

You are unique and your insurance should be too

When buying the right insurance coverage for your personal vehicles, there really is not a "best" method to buy coverage. Your situation is unique.

For instance, these questions could help you determine whether or not you will benefit from professional help.

If you're not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form. It's fast, doesn't cost anything and may give you better protection.

Exclusive and independent car insurance agents

Some people would prefer to talk to an insurance agent and that is recommended in a lot of cases Good insurance agents can answer important questions and help in the event of a claim. One of the benefits of getting free rate quotes online is you can get cheap rate quotes and also buy local. And supporting local agents is important especially in St. Louis.

Find insurance agent in St. LouisAfter completing this simple form, your insurance coverage information is emailed to insurance agents in St. Louis that give free quotes for your insurance coverage. It's much easier because you don't need to drive around because prices are sent to you instantly. If you wish to get a rate quote from a specific auto insurance provider, you would need to jump over to their website to submit a rate quote request.

If you want to buy auto insurance from a local insurance agency, you should know the types of insurance agents to choose from. Agents in St. Louis are categorized either independent agents or exclusive agents depending on their employer. Either can handle auto insurance, but it's worth mentioning the differences since it can impact buying decisions.

Independent Auto Insurance Agencies

Agents in the independent channel are appointed with more than one company and that gives them the ability to insure with any number of different companies and find you the best rates. If your premiums go up, they simply move your policy to a different company without you having to go to a different agency.

If you are comparing rate quotes, you will want to get some free quotes from independent agents in order to compare the most rates.

Featured below is a short list of independent insurance agencies in St. Louis who can help you get price quotes.

821 Madison St - St Charles, MO 63301 - (636) 949-9525 - View Map

1227 Fern Ridge Pkwy - St. Louis, MO 63141 - (314) 432-6464 - View Map

4615 S Lindbergh Blvd - St. Louis, MO 63127 - (314) 690-5891 - View Map

More St. Louis agents

Exclusive Auto Insurance Agencies

Agents of this type can usually just insure with one company and some examples include AAA, Allstate, and State Farm. Exclusive agencies are unable to place coverage with different providers so if the price isn't competitive there isn't much they can do. Exclusive agents are very knowledgeable on sales techniques and that enables them to sell even at higher rates.

Listed below are St. Louis exclusive agents that are able to give comparison quotes.

326 N Euclid Ave #2n - St. Louis, MO 63108 - (314) 899-0633 - View Map

2533 S Brentwood Blvd - St. Louis, MO 63144 - (314) 961-8118 - View Map

Ivan Hauser - State Farm Insurance Agent
5811 Hampton Ave - St. Louis, MO 63109 - (314) 353-5656 - View Map

More St. Louis agents

Choosing an car insurance agent requires you to look at more than just the bottom line cost. The questions below may impact your decision as well.

Once you have received answers to your satisfaction to any questions you may have as well as an affordable premium quote, it's a good possibility that you have found a car insurance agent that is professional and can properly service your auto insurance policy.

Why you need auto insurance

Despite the potentially high cost of Ford Fusion insurance, buying auto insurance is mandatory in Missouri but it also protects more than you think.

The benefits of having insurance definitely exceed the cost, especially if you ever need it. According to a 2015 survey, the average American driver is currently overpaying as much as $810 a year so compare rates each time the policy renews to save money.

Affordable coverage is out there

Insureds who switch companies do it for a variety of reasons including denial of a claim, questionable increases in premium, delays in responding to claim requests or even policy cancellation. Regardless of your reason, finding a new company can be easy and end up saving you some money.

You just learned some good ideas how to lower your Ford Fusion insurance premium rates in St. Louis. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. Consumers could even find that the lowest premium rates are with a company that doesn't do a lot of advertising.

When searching for affordable St. Louis car insurance quotes, it's a bad idea to buy poor coverage just to save money. There are many occasions where someone dropped comprehensive coverage or liability limits only to regret that the small savings ended up costing them much more. Your strategy should be to buy the best coverage you can find for the lowest cost while still protecting your assets.

More tips and info about auto insurance is available by following these links: