Searching for better insurance prices for a Ford Fusion in Missouri can turn out to be a painful process, but you can follow a few tricks to find lower rates.
There is a right way and a wrong way to compare insurance rates so we’re going to tell you the absolute fastest way to get price quotes for a new or used Ford and obtain the lowest price.
It is always a good idea to compare prices occasionally because insurance prices change quite often. Despite the fact that you may have had the best price on Ford Fusion insurance in Kansas City a year ago there may be better deals available now. Forget anything you know (or think you know) about insurance because you’re going to get a crash course in the tricks you need to know to find lower rates on insurance.
If you already have coverage or just want to reduce your rates, you can learn to find the best rates while maximizing coverage. Finding the most affordable policy in Kansas City is quite easy. Shoppers only have to learn the proper way to get comparison rates using one simple form.
Affordable companies for Ford Fusion insurance
The companies shown below provide free rate quotes in Missouri. To find cheap auto insurance in Kansas City, MO, it’s highly recommended you visit several of them in order to get a fair rate comparison.
Car insurance data for a Ford Fusion
The rate information below highlights detailed analysis of coverage prices for Ford Fusion models. Learning how policy rates are calculated is important for drivers to make smart choices when purchasing an insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion S 4-Dr Sedan | $234 | $346 | $348 | $20 | $104 | $1,052 | $88 |
| Fusion SE 4-Dr Sedan | $264 | $408 | $348 | $20 | $104 | $1,144 | $95 |
| Fusion Hybrid 4-Dr Sedan | $264 | $470 | $436 | $26 | $130 | $1,326 | $111 |
| Fusion SEL 4-Dr Sedan | $264 | $408 | $348 | $20 | $104 | $1,144 | $95 |
| Fusion Sport 4-Dr Sedan | $264 | $408 | $348 | $20 | $104 | $1,144 | $95 |
| Fusion SEL AWD 4-Dr Sedan | $296 | $470 | $348 | $20 | $104 | $1,238 | $103 |
| Fusion Sport AWD 4-Dr Sedan | $296 | $470 | $348 | $20 | $104 | $1,238 | $103 |
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Table data represents single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Missouri minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Information does not factor in specific garaging location which can modify premium rates greatly.
Car insurance deductibles
One frequently asked question is which deductibles should you choose. The following tables may help to conceptualize the rate fluctuation between low and high policy deductibles. The first rate quote example uses a $100 physical damage coverage deductible and the second rate table uses a $500 deductible.
| 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 |
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| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion S 4-Dr Sedan | $168 | $280 | $266 | $16 | $80 | $810 | $68 |
| Fusion SE 4-Dr Sedan | $188 | $330 | $266 | $16 | $80 | $880 | $73 |
| Fusion Hybrid 4-Dr Sedan | $188 | $380 | $332 | $20 | $100 | $1,020 | $85 |
| Fusion SEL 4-Dr Sedan | $188 | $330 | $266 | $16 | $80 | $880 | $73 |
| Fusion Sport 4-Dr Sedan | $188 | $330 | $266 | $16 | $80 | $880 | $73 |
| Fusion SEL AWD 4-Dr Sedan | $210 | $380 | $266 | $16 | $80 | $952 | $79 |
| Fusion Sport AWD 4-Dr Sedan | $210 | $380 | $266 | $16 | $80 | $952 | $79 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Premium costs do not factor in your specific Kansas City location which can revise coverage rates considerably.
Using the premium rates above, we can conclude that using a $100 deductible costs about $21 more each month or $252 a year across all Ford Fusion models than quoting the higher $500 deductible. Since the policyholder would be required to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you tend to have more than 19 months between claim filings, you would more than likely save some money by going with a higher deductible.
Do you need full coverage?
The information below illustrates the comparison of Ford Fusion auto insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The costs are based on a clean driving record, no claims, $250 deductibles, drivers are single, and no discounts are applied.
When to stop buying full coverage
There is no specific rule of when to drop physical damage insurance, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, the it may be a good time to stop paying for full coverage.
For example, let’s assume your Ford Fusion replacement value is $5,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, you would only receive $4,000 after the policy deductible has been paid. If premium cost is more than $400 a year to have full coverage, then it might be time to buy liability only.
There are a few cases where buying only liability insurance is not recommended. If you still have a loan on your vehicle, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should keep full coverage in place.
Find Cheaper Insurance with These Tips
A large part of saving on insurance is knowing some of the things that aid in calculating your insurance rates. If you have some idea of what determines base rates, this helps enable you to make changes that could help you find lower premium levels. Multiple criteria are used when you get your auto insurance bill. Some are obvious like an MVR report, but some are not quite as obvious such as your marital status or your financial responsibility.
The factors shown below are a few of the things utilized by car insurance companies to help set prices.
Frequent insurance claims will cost you – If you frequently file small claims, you shouldn’t be surprised to get higher rates. Insurance companies in Missouri generally give most affordable rates to policyholders who file claims infrequently. Your insurance policy is designed for the large, substantial claims.
Improve your credit rating and save – Your credit rating can be an important factor in determining what you pay for insurance. If your credit score can use some improvement, you could potentially save money when insuring your Ford Fusion if you improve your credit rating. Drivers with very high credit ratings tend to be better drivers and file fewer claims than drivers with worse credit.
Lower insurance rates with theft deterrents – Choosing a vehicle with anti-theft technology or alarm system can save you a little every year. Advanced theft deterrents such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all aid in stopping your vehicle from being stolen.
Older drivers save more – Beginning drivers in Missouri are proven to be careless and easily distracted when at the wheel of a vehicle so they pay higher insurance rates. Parents adding a teenage driver to your insurance policy can cause a big jump in price. Older, more experienced drivers tend to be more responsible, are lower risk to insure, and usually have better credit.
The next chart is based on a single driver, full coverage with $250 deductibles, and no discounts or violations.
Do you have a tough job? – Did you know your occupation can influence how much you pay for insurance? Jobs like real estate brokers, air traffic controllers, and financial analysts generally have higher rates than average in part from job stress and extremely grueling work hours. Conversely, jobs such as actors, historians and performers receive lower rates.
Where you reside is a factor – Choosing to live in a small town is a good thing when shopping for auto insurance. Drivers in populated areas have to deal with much more traffic and more time behind the wheel. Fewer people translates into fewer accident claims in addition to lower liability claims.
Only buy coverage you need – There are quite a few extra add-on coverages that can waste your money if you aren’t diligent. Things like rental car coverage, towing, and extra life insurance coverage are probably not needed. They may seem good when discussing your needs, but if you have no use for them get rid of them and save.
Battle of the sexes – Over the last 50 years, statistics have shown women tend to be less risk to insure than men. That doesn’t necessarily mean that men are worse drivers. Males and females get in fender benders in similar numbers, but the males have costlier accidents. Men also statistically get cited for more serious violations like driving under the influence (DUI). Males from age 16 to 21 are several times more likely to be in an accident so it costs more to insure them.
The information below shows the difference between Ford Fusion annual premium costs for male and female drivers. The premium estimates are based on no claims, a clean driving record, comprehensive and collision coverage, $500 deductibles, drivers are not married, and no policy discounts are applied.
Ford Fusion insurance loss data – Insurance companies study historical loss data in order to profitably underwrite each model. Vehicles that the data shows to have higher claim frequency or loss amount will be charged more to insure.
The next table illustrates the loss history for Ford Fusion vehicles. For each coverage type, the statistical loss for all vehicles as a whole is set at 100. Values that are 100 or less indicate a favorable loss history, while percentage values above 100 indicate higher probability of having a loss or an increased likelihood of larger losses.
| Vehicle Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Ford Fusion 2WD | 110 | 95 | 108 | 116 | 111 | 105 |
| Ford Fusion 4WD | 115 | 85 | 120 | 88 | 77 | 71 |
| Ford Fusion Hybrid | 125 | 97 | 98 | 92 | 93 | 95 |
| Ford Fusion Plug-in Hybrid | 128 | 87 | 91 | 88 | 91 | 107 |
Statistics from IIHS.org for 2013-2015 Model Years
Auto insurance policy discounts you can’t miss
Auto insurance is neither fun to buy or cheap, but there could be significant discounts that many people don’t even know exist. Certain reductions will be credited at quote time, but some may not be applied and must be specially asked for before you get the savings.
- Air Bag Discount – Cars that have air bags or automatic seat belts may get savings of more than 20%.
- Early Signing – Some larger companies give discounts for switching companies before your current coverage expires. You may see this discount when you get Kansas City auto insurance quotes online.
- Theft Prevention Discount – Cars that have factory anti-theft systems can help prevent theft and earn discounts up to 10% off your Kansas City auto insurance quote.
- Membership in Organizations – Belonging to specific professional or occupational memberships or organizations could earn you a nice discount on your policy.
- Multi-Vehicle Discounts – Buying insurance for more than one vehicle on one policy can reduce rates for all insured vehicles.
- Own a Home and Save – Being a homeowner may earn you a small savings because owning a home requires a higher level of personal finance.
- Policy Bundle Discount – If you insure your home and vehicles with one insurance company you may earn over 10 percent off each policy depending on the company.
A little note about advertised discounts, some credits don’t apply to your bottom line cost. A few only apply to specific coverage prices like physical damage coverage or medical payments. So even though you would think all the discounts add up to a free policy, you’re out of luck.
The example below shows the difference between Ford Fusion auto insurance costs with and without some available policy discounts. The prices are based on a male driver, a clean driving record, no claims, Missouri state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, claim-free, marriage, safe-driver, and multi-policy discounts applied.
To see a list of companies that offer multiple discounts in Kansas City, click here to view.
Get rate quotes but still have a local Kansas City insurance agent
A lot of people would rather have an agent’s advice. Professional insurance agents can make sure you are properly covered and help in the event of a claim. An additional benefit of comparing rates online is you may find cheap car insurance quotes and also buy local. Buying from and supporting small agencies is definitely important in Kansas City.
By using this form (opens in new window), your insurance data gets sent to insurance agents in Kansas City who can give free rate quotes and help you find cheaper coverage. It makes it easy because there is no need to leave your computer since rate quotes are delivered immediately to your email address. If you have a need to get a comparison quote from one company in particular, feel free to search and find their rate quote page and submit a quote form there.
If you prefer to buy car insurance from an insurance agent, it’s important to understand the different agency structures from which to choose. Insurance agencies in Kansas City are classified as either independent (non-exclusive) or exclusive. Either one can sell car insurance policies, but it’s good to learn how they differ since it may influence the kind of agent you use.
Independent Car Insurance Agencies or Brokers
Agents in the independent channel often have many company appointments so they can insure your vehicles through many different car insurance companies and possibly get better coverage at lower prices. If your premiums go up, your agent can just switch to a different company which requires no work on your part.
If you are trying to find cheaper rates, you should always get insurance quotes from independent agents for the best price selection. Most also have access to small mutual carriers which can be an advantage.
Listed below are Kansas City independent agents that may be able to give you comparison quotes.
- DeMasters Insurance, LLC
1130 Westport Rd – Kansas City, MO 64111 – (816) 531-1000 – View Map - Banuelos Insurance Agency LLC
902 Southwest Blvd – Kansas City, MO 64108 – (816) 994-3600 – View Map - Heartland Insurance Agency, Inc.
7301 Mission Rd #242, Prairie Village, KS 66208 – Prairie Village, MO 66208 – (800) 701-5909 – View Map
Exclusive Agents
Exclusive agencies generally can only insure with one company like American Family, State Farm, and Allstate. They generally cannot provide other company’s prices so they are skilled at selling on more than just price. These agents receive a lot of sales training on sales techniques which aids in selling service over price. Consumers often buy from exclusive agents primarily because of the prominent brand name and the convenience of having all coverages with one company.
Shown below is a list of exclusive insurance agents in Kansas City that are able to give price quote information.
- American Family Insurance – Paul Arnone
3851 N Oak Trafficway – Kansas City, MO 64116 – (816) 454-2152 – View Map - Allstate Insurance: Kelly Benbow
221 E Gregory Blvd b – Kansas City, MO 64114 – (816) 333-3611 – View Map - State Farm: Steve Conway
1404 NW Vivion Rd – Kansas City, MO 64118 – (816) 452-6700 – View Map
Choosing a insurance agent requires more thought than just a cheap quote. Before buying a policy in Kansas City, get answers to these questions.
- Do they offer rental car reimbursement?
- Do they have a Better Business Bureau rating in Kansas City?
- How is replacement cost determined on your vehicle?
- Do they review policy coverages at every renewal?
- Do they regularly work with personal auto policies in Kansas City?
- Do they offer accident forgiveness?
After talking to the agent and getting acceptable answers to any questions you have and affordable Ford Fusion insurance rates in Kansas City quotes, it’s a good possibility that you have found an insurance agent that can be trusted to provide car insurance coverage. But keep in mind it’s your coverage and you can cancel your policy at any time so don’t assume that you are obligated to your new company for the entire policy term.
Quote often and quote early
You just learned some good ideas how you can shop for Ford Fusion insurance online. The key concept to understand is the more rate quotes you have, the better your chances of lowering your prices. Consumers could even find that the lowest priced insurance comes from some of the lesser-known companies.
People who switch companies do it for a number of reasons such as unfair underwriting practices, questionable increases in premium, not issuing a premium refund or delays in paying claims. Regardless of your reason for switching companies, switching companies can be easy and end up saving you some money.
When getting Kansas City auto insurance quotes online, you should never reduce coverage to reduce premium. In many cases, an insured dropped liability coverage limits to discover at claim time that the small savings ended up costing them much more. Your goal is to get the best coverage possible at the best possible price and still be able to protect your assets.
How to find lower priced Ford Fusion insurance in Kansas City
The best way to find discount Ford Fusion insurance in Kansas City is to do a yearly price comparison from insurers who provide auto insurance in Missouri.
First, take a few minutes and learn about how auto insurance works and the changes you can make to drop your rates. Many policy risk factors that result in higher rates such as getting speeding tickets and poor credit history can be eliminated by making minor driving habit or lifestyle changes.
Second, obtain price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only provide price estimates from a single company like GEICO or Farmers Insurance, while independent agencies can quote rates from multiple companies. View insurance agents
Third, compare the new rate quotes to the price on your current policy to determine if switching companies saves money. If you find a better price, make sure there is no coverage gap between policies.
Fourth, notify your current company to cancel your current coverage and submit payment along with a signed and completed policy application to your new carrier. Don’t forget to store the proof of insurance paperwork in your vehicle.
The key thing to know about shopping around is to make sure you enter the same liability limits and deductibles on each price quote and and to look at as many companies as you can. Doing this helps ensure an accurate price comparison and maximum price selection.