Locating low-cost insurance for your Ford Fusion in Ohio can turn out to be an all-consuming task, but you can learn our car insurance buying tips and make it easy.
There are both good and bad ways to compare car insurance rates so you’re going to learn the quickest way to compare rates for your Ford and find the best price possible either online or from Cleveland insurance agents.
You should take the time to do price comparisons periodically because rates change quite often. Despite the fact that you may have had the lowest rate on Ford Fusion insurance in Cleveland a year ago other companies may now be cheaper. There are lots of tips to save on Fusion insurance online, but in just a couple of minutes you can learn the easiest ways to reduce your car insurance bill.
Shop Ford Fusion insurance online
Many insurance companies like Allstate, GEICO and Progressive give coverage prices on their websites. Obtaining pricing for Ford Fusion insurance in Cleveland doesn’t take much effort as you simply type in your coverage information into the quote form. After you submit the form their system collects your driving and credit reports and provides a quote based on many factors.
Using the web to get price quotes for Ford Fusion insurance in Cleveland simplifies rate comparisons, and it’s very important to do this in order to get affordable prices.
To save time and find out what other companies charge, check out the car insurance providers below. If you currently have coverage, we recommend you duplicate the limits and deductibles identical to your current policy. This makes sure you will have comparison quotes for exact coverage.
The providers in the list below offer free quotes in Ohio. If multiple companies are listed, it’s highly recommended you visit as many as you can to find the cheapest auto insurance rates.
Rates and data analysis
The rate table shown next highlights a range of prices for Ford Fusion models. Being more informed about how auto insurance prices are formulated can benefit drivers when making smart choices when buying a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion S 4-Dr Sedan | $136 | $270 | $296 | $18 | $88 | $808 | $67 |
| Fusion SE 4-Dr Sedan | $154 | $318 | $296 | $18 | $88 | $874 | $73 |
| Fusion Hybrid 4-Dr Sedan | $154 | $366 | $368 | $22 | $110 | $1,020 | $85 |
| Fusion SEL 4-Dr Sedan | $154 | $318 | $296 | $18 | $88 | $874 | $73 |
| Fusion Sport 4-Dr Sedan | $154 | $318 | $296 | $18 | $88 | $874 | $73 |
| Fusion SEL AWD 4-Dr Sedan | $172 | $366 | $296 | $18 | $88 | $940 | $78 |
| Fusion Sport AWD 4-Dr Sedan | $172 | $366 | $296 | $18 | $88 | $940 | $78 |
| Get Your Own Custom Quote Go | |||||||
Prices based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Rate quotes do not factor in garaging location in Cleveland which can increase or decrease insurance rates noticeably.
Where to set your deductibles
When buying car insurance, a common question is how high should the physical damage deductibles be. The premium rates below approximate how much more rates are between high and low comp and collision deductibles. The first data set uses a $250 deductible for comp and collision 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 | $176 | $296 | $226 | $14 | $68 | $805 | $67 |
| Fusion SE 4-Dr Sedan | $198 | $348 | $226 | $14 | $68 | $879 | $73 |
| Fusion Hybrid 4-Dr Sedan | $198 | $400 | $284 | $16 | $84 | $1,007 | $84 |
| Fusion SEL 4-Dr Sedan | $198 | $348 | $226 | $14 | $68 | $879 | $73 |
| Fusion Sport 4-Dr Sedan | $198 | $348 | $226 | $14 | $68 | $879 | $73 |
| Fusion SEL AWD 4-Dr Sedan | $220 | $400 | $226 | $14 | $68 | $953 | $79 |
| Fusion Sport AWD 4-Dr Sedan | $220 | $400 | $226 | $14 | $68 | $953 | $79 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion S 4-Dr Sedan | $142 | $238 | $226 | $14 | $68 | $688 | $57 |
| Fusion SE 4-Dr Sedan | $160 | $280 | $226 | $14 | $68 | $748 | $62 |
| Fusion Hybrid 4-Dr Sedan | $160 | $324 | $284 | $16 | $84 | $868 | $72 |
| Fusion SEL 4-Dr Sedan | $160 | $280 | $226 | $14 | $68 | $748 | $62 |
| Fusion Sport 4-Dr Sedan | $160 | $280 | $226 | $14 | $68 | $748 | $62 |
| Fusion SEL AWD 4-Dr Sedan | $180 | $324 | $226 | $14 | $68 | $812 | $68 |
| Fusion Sport AWD 4-Dr Sedan | $180 | $324 | $226 | $14 | $68 | $812 | $68 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Rate quotes do not factor in your specific Cleveland location which can influence auto insurance rates significantly.
Using the premium rates above, we can conclude that using a $250 deductible will cost in the ballpark of $11 more each month or $132 annually averaged for all Fusion models than requesting the higher $500 deductible. Due to the fact that you would have to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you normally average more than 23 months between claim filings, you would probably save some money by selecting a higher deductible.
How to calculate if higher deductibles make sense
| Average monthly premium for $250 deductibles: | $75 |
| Average monthly premium for $500 deductibles (subtract): | – $64 |
| Monthly savings from raising deductible: | $11 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $11 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 23 months |
Annual premiums for males versus females in Cleveland
The example below compares Ford Fusion auto insurance costs for male and female drivers. The costs are based on no tickets, no at-fault accidents, comprehensive and collision coverage, $100 deductibles, single marital status, and no discounts are factored in.
Get discounts on Cleveland insurance
Insurance is expensive, but there could be significant discounts that you may not even know about. Some discounts apply automatically at the time you complete a quote, but lesser-known reductions have to be specifically requested before being credited.
- Driver’s Education for Students – Have your child successfully complete driver’s ed class as it will make them better drivers and lower rates.
- Air Bags and Passive Restraints – Factory options such as air bags and/or automatic seat belt systems can get savings as much as 30%.
- Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a lower insurance rate if you buy a life policy as well.
- Mature Driver Discount – Drivers over the age of 55 may qualify for a small decrease in premiums.
- Paper-free Discount – Many insurance companies will give a small break get Cleveland auto insurance on the internet.
- Fewer Miles Equal More Savings – Low mileage vehicles may enable drivers to earn lower rates due to less chance of an accident.
- Own a Home – Owning a home in Cleveland can help you save on insurance since owning and maintaining a home is proof of financial responsibility.
- Sign Early and Save – A few insurance companies give discounts for signing up prior to your current Fusion insurance policy expiring. You can save around 10% with this discount.
While discounts sound great, it’s important to understand that some of the credits will not apply to all coverage premiums. The majority will only reduce specific coverage prices like liability and collision coverage. Despite the fact that it seems like adding up those discounts means a free policy, nobody gets a free ride.
The diagram below shows the difference between Ford Fusion insurance costs with and without discounts applied to the policy premium. The premium estimates are based on a male driver, no claims or violations, Ohio state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, homeowner, multi-car, claim-free, and multi-policy discounts applied.
A few of the larger companies and their possible discounts are outlined below.
- GEICO includes discounts for daytime running lights, military active duty, air bags, driver training, five-year accident-free, and good student.
- Travelers offers discounts for continuous insurance, student away at school, new car, payment discounts, driver training, multi-car, and early quote.
- Nationwide discounts include easy pay, Farm Bureau membership, family plan, multi-policy, and business or organization.
- Farmers Insurance has savings for bundle discounts, mature driver, switch companies, good student, and youthful driver.
- Esurance may offer discounts for online quote, homeowner, good driver, DriveSense, online shopper, Pac-12 alumni, and multi-car.
- State Farm offers premium reductions for Drive Safe & Save, safe vehicle, student away at school, defensive driving training, anti-theft, and Steer Clear safe driver discount.
- Progressive has discounts for continuous coverage, online signing, online quote discount, multi-policy, multi-vehicle, homeowner, and good student.
- Mercury Insurance may include discounts for low natural disaster claims, age of vehicle, multi-car, accident-free, multi-policy, good driver, and anti-theft.
Double check with each company or agent to apply every possible discount. Some discounts may not apply to policies in Cleveland.
Insurance in Ohio serves several purposes
Even though it can be expensive, insuring your vehicle serves a purpose in several ways.
- Most states have compulsory liability insurance requirements which means you are required to carry a specific level of liability protection in order to license the vehicle. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If your Ford has a lienholder, most lenders will make it a condition of the loan that you buy insurance to guarantee payment of the loan. If you do not keep the policy in force, the lender may insure your Ford for a much higher rate and force you to reimburse them for it.
- Insurance protects both your Ford and your assets. It will also provide coverage for all forms of medical expenses for you, your passengers, and anyone else injured in an accident. One of the most valuable coverages, liability insurance, will also pay for a defense attorney if you cause an accident and are sued. If your vehicle suffers damage from an accident or hail, collision and comprehensive (also known as other-than-collision) coverage will cover the repair costs.
The benefits of having insurance are without a doubt worth the cost, especially for larger claims. An average driver in America overpays as much as $825 a year so compare rates at every policy renewal to ensure rates are competitive.
Insurance agents can help
When choosing proper insurance coverage, there really is no best way to insure your cars. Every situation is different.
These are some specific questions might help in determining if your insurance needs would benefit from professional advice.
- Do I need replacement cost coverage on my Ford Fusion?
- Can I rent a car in Mexico?
- What is motorclub and do I need it?
- Where can I find DUI or SR-22 insurance?
- Why do I only qualify for high-risk insurance?
- What is an umbrella policy?
If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, simply complete this short form. It’s fast, free and you can get the answers you need.
Neighborhood Cleveland auto insurance agents
Some people prefer to have an agent’s advice and that is a smart decision Good insurance agents are trained risk managers and help submit paperwork. The biggest benefit of comparing insurance online is that you can obtain cheaper car insurance rates but still work with a licensed agent. Buying from and supporting local insurance agencies is still important in Cleveland.
To make it easy to find an agent, after completing this form (opens in new window), your coverage information is sent to agents in your area who will give you bids for your insurance coverage. There is no need to visit any agencies because prices are sent to you directly. If you wish to get a rate quote from a particular provider, feel free to navigate to their website to submit a rate quote request.
If you need to find a reliable insurance agent, it’s helpful to know the types of agencies to choose from. Agents can be classified as either independent (non-exclusive) or exclusive. Both insure your vehicles properly, but it is a good idea to know the differences since it may influence buying decisions.
Independent Insurance Agents
Agents that elect to be independent are appointed with more than one company and that allows them to write policies through many different insurance companies enabling the ability to shop coverage around. If they quote lower rates, an independent agent can move your coverage and you don’t have to switch agencies.
When shopping rates, we highly recommend that you check rates from at a minimum one independent agency to have the most options to choose from. They also have the ability to place coverage with small mutual carriers that many times have cheaper rates.
The following are independent insurance agents in Cleveland that may be able to give you pricing information.
- United Agencies
1422 Euclid Ave # 900 – Cleveland, OH 44115 – (216) 696-8044 – View Map - Tower Insurance
15887 Snow Rd – Brook Park, OH 44142 – (216) 267-4466 – View Map - Pinkney-Perry Insurance
1701 E 12th St #101 – Cleveland, OH 44114 – (216) 795-1995 – View Map
Exclusive Insurance Agencies
Agents of this type have only one company to place business with like State Farm, AAA, Farmers Insurance or Allstate. Exclusive agents are unable to place coverage with different providers so they are skilled at selling on more than just price. Exclusive agents receive a lot of sales training on their products and sales techniques which helps them compete with independent agents. Consumers sometimes buy from the same agent for years mostly because of the prominence of the brand instead of buying on price only.
Listed below are exclusive agents in Cleveland willing to provide price quote information.
- Anita Tyler – State Farm Insurance Agent
2168 S Taylor Rd – Cleveland Heights, OH 44118 – (216) 371-5900 – View Map - Allstate Insurance: Nanci Cieckiewicz
4719 State Rd – Cleveland, OH 44109 – (216) 739-0990 – View Map - Farmers Insurance – Earl Soroka
1621 Euclid Ave #408 – Cleveland, OH 44115 – (216) 452-0885 – View Map
Picking the best car insurance agent should depend on more than just a cheap quote. These are some valid questions you should ask.
- How long has the business existed?
- Which family members are covered?
- Which companies can they place coverage with?
- Who are their largest clients?
- Are aftermarket or OEM parts used to repair vehicles?
- How much will you save each year by using a higher deductible?
- Did they already check your driving record and credit reports?