Finding competitive auto insurance for a Ford Fusion is usually pretty straightforward, but it depends on a lot of factors such as your marital status, the performance level of your vehicle, and any past driving violations you may have had. Drivers in Nebraska will pay on average $790 each year for Fusion insurance, but that amount is an estimation calculated using a 50-year-old married male driver with both comprehensive and collision coverage and $500 deductibles.
There’s a good chance you may not be 50 years old (or even male), maybe you are single instead of married, and maybe you want higher deductibles. Everone’s needs are different, and this illustrates why the best method for finding the most affordable coverage for your Ford is to compare rates from as many companies as possible.
Your vehicle’s trim level will influence the cost of coverage, so the price you will pay to insure a Fusion S 4-Dr Sedan will be $132 less than the cost to insure the more well-appointed Fusion Sport AWD 4-Dr Sedan version, as demonstrated by the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion S 4-Dr Sedan | $146 | $268 | $288 | $18 | $86 | $806 | $67 |
| Fusion SE 4-Dr Sedan | $166 | $316 | $288 | $18 | $86 | $874 | $73 |
| Fusion Hybrid 4-Dr Sedan | $166 | $362 | $360 | $22 | $108 | $1,018 | $85 |
| Fusion SEL 4-Dr Sedan | $166 | $316 | $288 | $18 | $86 | $874 | $73 |
| Fusion Sport 4-Dr Sedan | $166 | $316 | $288 | $18 | $86 | $874 | $73 |
| Fusion SEL AWD 4-Dr Sedan | $184 | $362 | $288 | $18 | $86 | $938 | $78 |
| Fusion Sport AWD 4-Dr Sedan | $184 | $362 | $288 | $18 | $86 | $938 | $78 |
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Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Nebraska minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Estimates do not factor in vehicle location which can increase or decrease insurance rates substantially.
Locating cheap insurance is not the easiest thing to do, and finding out which company quotes the best auto insurance rates for a Ford Fusion requires even more work. Every auto insurer uses a slightly different approach to determine premium rates, so let’s rank the auto insurance companies with the overall best prices in Lincoln.
We do need to point out that Nebraska auto insurance rates are impacted by many things which can substantially change your annual premium. That is why it is critical to perform a complete rate comparison to get the lowest car insurance rates for a Ford Fusion. Insurance prices are determined by many factors and can change without notice, so the most economical option a year ago may now be an over-priced policy.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Safeco | $780 |
| 2 | The Hartford | $847 |
| 3 | Auto-Owners | $905 |
| 4 | Allied | $939 |
| 5 | Farmers Mutual of Nebraska | $979 |
| 6 | Farm Bureau Mutual | $990 |
| 7 | Nationwide | $1,037 |
| 8 | State Farm | $1,065 |
| 9 | General Casualty | $1,081 |
| 10 | American National | $1,098 |
| 11 | USAA | $1,150 |
| 12 | California Casualty | $1,257 |
| 13 | MetLife | $1,280 |
| 14 | American Family | $1,284 |
| 15 | Iowa Mutual | $1,308 |
| 16 | EMC | $1,314 |
| 17 | GEICO | $1,348 |
| 18 | Progressive | $1,460 |
| 19 | Farmers | $1,586 |
| 20 | North Star | $1,642 |
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Safeco generally has some of the most affordable car insurance rates in Lincoln at around $780 a year. The Hartford, Auto-Owners, Allied, and Farmers Mutual of Nebraska also rank well as some of the most economical Lincoln, NE auto insurance companies.
As shown in the table above, if you buy coverage from Allied and switched to The Hartford, you might achieve an annual savings of upwards of $92. Nebraska drivers with Farmers Mutual of Nebraska may save as much as $132 a year, and Farm Bureau Mutual policyholders might cut rates by $143 a year.
To compare your rates to other Nebraska insurance companies, click here to get a free quote or visit several of the following companies.
Be aware that those premiums are averages across all insureds and vehicles and do not factor in a specific vehicle garaging location for a Ford Fusion. So the car insurance company that fits your situation best may not even be in the top 24 companies in the list above. That point stresses why you need to get rate quotes from many companies using your own personalized driver profile and vehicle information.
Liability-only versus full coverage
Paying less for auto insurance is the goal of the majority of people, and one of the fastest ways to find cheaper insurance for a Ford Fusion is to not insure for full coverage. The illustration below shows the comparison of insurance premiums when comparing full coverage to liability only. The costs are based on no claims or driving citations, $500 deductibles, drivers are single, and no policy discounts are applied.
On average, comp and collision coverage costs $1,810 per year more than buying just liability insurance. That raises the question if paying for full coverage is worth it. There is no set rule that is best for determining when to drop physical damage coverage on your policy, but there is a general school of thought. If the yearly cost for physical damage coverage is 10% or more of the replacement cost minus the deductible, the it may be a good time to stop paying for full coverage.
For example, let’s assume your vehicle’s replacement value is $10,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, you would only receive $9,000 after paying the physical damage deductible. If premium cost is more than $900 a year to have full coverage, then it might be time to consider dropping full coverage.
There are some conditions where only buying liability is not recommended. If you still have a loan on your vehicle, you are required to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if you can’t afford to buy a different vehicle in case of an accident, you should not opt for liability only.
The chart below illustrates how your deductible choice can influence insurance costs when researching cheap insurance for a Ford Fusion. The price estimates are based on a single male driver, full coverage, and no discounts are taken into consideration.
The chart above illustrates that a 50-year-old driver could cut expenses by $342 a year by increasing from a $100 deductible up to a $500 deductible, or save $518 by changing to a $1,000 deductible. Young drivers, like the Age 20 chart data, could roll back prices $1,138 every year by using higher deductibles when buying full coverage. When raising deductibles, it will be important to have enough in a savings account to allow you to pay the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.
Why you should be shopping around
Nebraska auto insurance rates are calculated based on many things which can substantially change your annual premium. Simply having a birthday, increasing liability limits, or having an at-fault accident can trigger rate changes that can cause some rates to be more affordable than competitors. Not only that, but insurance companies modify pricing as often as every quarter in order to be able to pay unexpected claims. Higher than normal claims can result in a rate increase, while lower claim expenses may result in cheaper Fusion insurance rates.
To illustrate this point, the graph below shows the companies that have the cheapest car insurance in Lincoln, NE for a 35-year-old male driver with no accidents or violations, and good financial standing. If we look at prices based on his current risk factors, Safeco has the cheapest car insurance rates in Lincoln at $812 each year. This is $504 less than the average premium paid by Nebraska drivers of $1,316. The Hartford, Auto-Owners, Allied, and Nationwide round out the rest of the cheapest Lincoln, NE auto insurance companies.
The next chart shows rates after we give the driver from above a claim surcharge, less-than-perfect credit, and a few blemishes on his driving record. Due to the fact that every auto insurer has a unique formula for setting prices, comparing quotes will most likely result in a substantially altered list of the cheapest car insurance companies in Lincoln as shown below.
Farm Bureau Mutual now has the best price in Lincoln with American National, State Farm, General Casualty, and USAA now rounding out the top five. This illustrates why Nebraska drivers need to compare lots of rates when trying to find the most budget-friendly car insurance rates for a Ford Fusion.
Insurance prices are impacted by many risk factors and change dramatically, so the best option the last time you shopped around may now be quite expensive.
Tips for finding more affordable car insurance for a Ford Fusion
The list below summarizes some penny-pinching suggestions that can help drivers locate cheaper coverage.
- Get cheaper liability coverage by choosing a safer vehicle
- Full coverage is expensive so only insure older vehicles for liability only
- Earn discounts for being claim-free
- Buying home and auto insurance together can earn discounts
- Raise deductibles
- Improve your credit score
- Compare quotes from other companies often
The last tip is particularly critical, as we pointed out in the prior information. Car insurance prices in Lincoln adjust frequently, so don’t hesitate to change insurance companies if you find a cheaper price.
We understand brand loyalty, but is isn’t recommended if it’s costing you money that could be used for better things. Now is a great time to compare prices to find cheaper car insurance for a Ford Fusion.