Auto Insurance Quotes for a Ford Fusion in Oklahoma City

Insurance quote for Ford Fusion in Oklahoma CityThe easiest way to find low-cost prices for Ford Fusion insurance is to regularly compare prices from providers who sell auto insurance in Oklahoma City. This can be done by following these steps.

Step 1: Take a little time to learn about how insurance works and the things you can control to prevent rate increases. Many rating factors that increase rates like traffic tickets, fender benders, and a low credit score can be rectified by making small lifestyle or driving habit changes. Keep reading for additional tips to prevent high rates and find available discounts that you may qualify for.

Step 2: Compare price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give rate quotes from a single company like GEICO and State Farm, while independent agents can provide rate quotes for many different companies.

Step 3: Compare the new quotes to the premium of your current policy to see if switching to a new carrier will save money. If you find a lower rate, ensure there is no coverage lapse between policies.

Step 4: Give notification to your current company of your intention to cancel the current policy. Submit any necessary down payment along with the completed application for your new policy. Immediately upon receiving it, safely store the certificate of insurance in your glove compartment.

The key thing to know about shopping around is to use the same amount of coverage on every price quote and and to compare as many companies as you can. Doing this helps ensure a level playing field and the best price quote selection.

Astonishing but true, 70% of consumers renewed their policy with the same company for over three years, and roughly 40% of drivers have never shopped around. The average driver in Oklahoma could pocket about 35% a year by just shopping around, but they just don’t understand how easy it is to save money by comparing rate quotes.

The companies in the list below are ready to provide price comparisons in Oklahoma City, OK. If multiple providers are shown, we recommend you get rate quotes from several of them to get the best price comparison.

Why do I need car insurance?

Despite the high insurance cost for a Ford Fusion in Oklahoma City, paying for auto insurance is mandatory in Oklahoma but it also protects more than you think.

The benefits of carrying enough insurance definitely exceed the cost, specifically if you ever have a liability claim. In a recent study of 1,000 drivers, the average customer overpays more than $750 every year so smart consumers compare quotes every year to make sure the price is not too high.

Rate information and statistics

The premium table shown next highlights different prices for Ford Fusion models. Learning as much as possible about how insurance premiums are formulated can assist in making smart choices when purchasing an insurance policy.

Ford Fusion Insurance Rates in Oklahoma City, OK
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $370 $788 $584 $34 $174 $1,950 $163
Fusion SE 4-Dr Sedan $418 $928 $584 $34 $174 $2,138 $178
Fusion Hybrid 4-Dr Sedan $418 $1068 $728 $44 $218 $2,476 $206
Fusion SEL 4-Dr Sedan $418 $928 $584 $34 $174 $2,138 $178
Fusion Sport 4-Dr Sedan $418 $928 $584 $34 $174 $2,138 $178
Fusion SEL AWD 4-Dr Sedan $466 $1068 $584 $34 $174 $2,326 $194
Fusion Sport AWD 4-Dr Sedan $466 $1068 $584 $34 $174 $2,326 $194
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Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Rate information does not factor in specific location which can impact coverage prices substantially.

Car insurance prices based on gender

The example below compares Ford Fusion insurance costs for male and female drivers. The rate quotes are based on a clean driving record, no at-fault accidents, full physical damage coverage, $500 deductibles, drivers are not married, and no policy discounts are applied.

Full coverage versus liability-only in Oklahoma City

The illustration below shows the comparison of Ford Fusion insurance rates with full coverage compared to only the Oklahoma minimum liability coverage. The data assumes no violations or accidents, $500 deductibles, marital status is single, and no additional discounts are factored in.

When to drop full coverage

There is no definitive guideline to delete physical damage insurance, but there is a guideline you can use. If the yearly cost for physical damage coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then you might consider buying liability only.

For example, let’s pretend your Ford Fusion replacement cost is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, you would only receive $4,000 after paying your deductible. If premiums are more than $400 a year for full coverage, then you may need to consider dropping full coverage.

There are some conditions where eliminating full coverage is not advised. If you haven’t satisfied your loan, you must maintain physical damage coverage in order to keep the loan. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should keep full coverage on your policy.

Verify you’re earning every discount

Not many people think insurance is cheap, but discounts can save money and there are some available that can dramatically reduce your bill. Some of these discounts will be visible when you complete an application, but some need to be asked for before they will apply.Cheaper car insurance with discounts

As a sidenote, some credits don’t apply to your bottom line cost. Some only apply to the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like you would end up receiving a 100% discount, it’s just not the way it works. But all discounts will definitely reduce the cost of coverage.

The illustration below shows the difference between Ford Fusion insurance costs with and without discounts applied. The rate quotes are based on a male driver, no violations or claims, Oklahoma state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, multi-policy, homeowner, safe-driver, and claim-free discounts applied.

A list of companies and a selection of discounts are shown below.

If you need lower rates, check with each company or agent what discounts are available to you. Savings may not be offered everywhere. To see a list of providers that offer some of these discounts in Oklahoma, follow this link.

Situations that may require an agent’s advice

Always remember that when buying proper insurance coverage, there really is not a one size fits all plan. Every insured’s situation is different.Drive safe and save

For instance, these questions may help you determine whether your personal situation may require specific advice.

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, fill out this quick form. It is quick, free and may give you better protection.