The recommended way to get the cheapest Ford Fusion insurance in Lubbock is to start comparing prices yearly from insurers that sell auto insurance in Texas.
- Take a little time to learn about what coverages are included in your policy and the measures you can control to keep rates in check. Many rating factors that cause high rates like distracted driving and an unfavorable credit rating can be remedied by being financially responsible and driving safely.
- Compare prices from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can provide rates from a single company like Progressive or Farmers Insurance, while independent agencies can provide rate quotes from multiple insurance companies.
- Compare the price quotes to the premium of your current policy to determine if you can save on Fusion insurance in Lubbock. If you find a lower rate quote and buy the policy, make sure there is no coverage gap between policies.
The most important part of shopping around is that you’ll want to make sure you compare similar limits and deductibles on each price quote and and to get quotes from as many auto insurance providers as possible. This enables the most accurate price comparison and a complete price analysis.
Remarkably, a study showed that a large majority of auto insurance policyholders have bought auto insurance from the same company for a minimum of four years, and just short of a majority have never taken the time to shop around. With the average auto insurance premium being $2,700, Texas drivers could save an average of approximately $1,770 each year just by getting comparison quotes, but they underestimate the big savings they would realize if they moved their coverage to a different company.
Lowering your Ford Fusion insurance rates is actually quite simple. Consumers just need to invest a few minutes to get quotes to find out which insurance company has affordable Lubbock car insurance quotes.
Doing price comparisons online is so simple that it replaces the need to drive around to insurance agencies in your area. Comparing online rate quotes eliminates the middleman unless you want the professional advice of an agent trained in personal lines coverage. Drivers can find lower rates online but buy the policy through an agent.
The auto insurance companies shown below have been selected to offer price quotes in Texas. To locate cheap car insurance in Lubbock, we suggest you compare several of them to get the best price comparison.
Auto insurance is an important decision
Despite the high cost, auto insurance is required by state law in Texas and it also provides benefits you may not be aware of.
- Almost all states have minimum mandated liability insurance limits which means you are required to buy specific limits of liability insurance in order to drive the car legally. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you have a loan on your Fusion, almost all lenders will stipulate that you have full coverage to ensure they get paid if you total the vehicle. If you do not pay your insurance premiums, the lender may insure your Ford at an extremely high rate and force you to pay for the much more expensive policy.
- Insurance safeguards both your assets and your car. It will also pay for many types of medical costs for you, any passengers, and anyone injured in an accident. One of the most valuable coverages, liability insurance, will also pay attorney fees if you are sued as the result of an accident. If your Ford gets damaged, collision and comprehensive coverages will pay to have it repaired.
The benefits of carrying enough insurance definitely exceed the price paid, especially when you need to use it. Despite what companies tell you, the average driver overpays more than $800 each year so compare quotes from several companies each time the policy renews to save money.
Rates and detailed analysis
The premium information below highlights a range of insurance costs for Ford Fusion models. Having a better idea how auto insurance policy rates are calculated is important for making informed purchases.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion S 4-Dr Sedan | $336 | $496 | $500 | $30 | $150 | $1,512 | $126 |
| Fusion SE 4-Dr Sedan | $378 | $584 | $500 | $30 | $150 | $1,642 | $137 |
| Fusion Hybrid 4-Dr Sedan | $378 | $672 | $624 | $36 | $186 | $1,896 | $158 |
| Fusion SEL 4-Dr Sedan | $378 | $584 | $500 | $30 | $150 | $1,642 | $137 |
| Fusion Sport 4-Dr Sedan | $378 | $584 | $500 | $30 | $150 | $1,642 | $137 |
| Fusion SEL AWD 4-Dr Sedan | $422 | $672 | $500 | $30 | $150 | $1,774 | $148 |
| Fusion Sport AWD 4-Dr Sedan | $422 | $672 | $500 | $30 | $150 | $1,774 | $148 |
| Get Your Own Custom Quote Go | |||||||
Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Price estimates do not factor in vehicle garaging location which can affect premiums substantially.
Rate comparison for different deductibles
A question often asked by Lubbock drivers is which comprehensive and collision deductibles to buy. The rates below sum up the price difference between low and high physical damage deductibles. The first rate quote example uses a $100 deductible for physical damage 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 | $328 | $592 | $382 | $22 | $114 | $1,463 | $122 |
| Fusion SE 4-Dr Sedan | $370 | $698 | $382 | $22 | $114 | $1,611 | $134 |
| Fusion Hybrid 4-Dr Sedan | $370 | $804 | $476 | $28 | $142 | $1,845 | $154 |
| Fusion SEL 4-Dr Sedan | $370 | $698 | $382 | $22 | $114 | $1,611 | $134 |
| Fusion Sport 4-Dr Sedan | $370 | $698 | $382 | $22 | $114 | $1,611 | $134 |
| Fusion SEL AWD 4-Dr Sedan | $412 | $804 | $382 | $22 | $114 | $1,759 | $147 |
| Fusion Sport AWD 4-Dr Sedan | $412 | $804 | $382 | $22 | $114 | $1,759 | $147 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion S 4-Dr Sedan | $240 | $400 | $382 | $22 | $114 | $1,158 | $97 |
| Fusion SE 4-Dr Sedan | $270 | $472 | $382 | $22 | $114 | $1,260 | $105 |
| Fusion Hybrid 4-Dr Sedan | $270 | $542 | $476 | $28 | $142 | $1,458 | $122 |
| Fusion SEL 4-Dr Sedan | $270 | $472 | $382 | $22 | $114 | $1,260 | $105 |
| Fusion Sport 4-Dr Sedan | $270 | $472 | $382 | $22 | $114 | $1,260 | $105 |
| Fusion SEL AWD 4-Dr Sedan | $300 | $542 | $382 | $22 | $114 | $1,360 | $113 |
| Fusion Sport AWD 4-Dr Sedan | $300 | $542 | $382 | $22 | $114 | $1,360 | $113 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Rates do not factor in vehicle location which can alter rates greatly.
Based on the figures above, using a $100 deductible will cost you roughly $30 more each month or $360 annually than quoting the higher $500 deductible. Because you would be required to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you average at least 13 months between claims, you would probably save some money if you decide on a higher deductible. The table below illustrates how this determination is made.
| Average monthly premium for $100 deductibles: | $139 |
| Average monthly premium for $500 deductibles (subtract): | – $109 |
| Monthly savings from raising deductible: | $30 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $30 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 13 months |
Insurance cost for men versus women in Lubbock
The diagram below compares Ford Fusion auto insurance costs for male and female drivers. Data assumes no claims or driving violations, comprehensive and collision coverage, $1,000 deductibles, single status, and no discounts are taken into consideration.
Earn discounts on Lubbock car insurance
Car insurance is neither fun to buy or cheap, but there could be significant discounts that can drop the cost substantially. Many discounts should be triggered when you get a quote, but some discounts are required to be asked about prior to getting the savings. If you’re not getting every credit available, you could be saving more on your car insurance.
- Defensive Driver Discounts – Taking time to complete a class that teaches safe driver techniques can save you 5% or more if you qualify.
- Payment Method – By paying your entire bill at once instead of paying each month you can avoid monthly service charges.
- No Accidents – Drivers who don’t have accidents pay less as compared to accident-prone drivers.
- Theft Deterrent System – Vehicles that have factory alarm systems and tracking devices help deter theft and qualify for as much as a 10% discount.
- Accident Forgiveness Coverage – Not a discount per se, but some insurance companies will let one accident slide without getting socked with a rate hike if you are claim-free for a set time period.
- Early Signing – A few larger companies offer discounts for switching policies before your current coverage expires. You could save around 10% when you buy Lubbock car insurance online.
- Distant College Student Discount – College-age children who attend college more than 100 miles from Lubbock and don’t have a car could qualify for this discount.
- Memberships – Having an affiliation with qualifying clubs or civic groups is a simple method to lower premiums on your policy.
As a sidenote, most discount credits are not given to the whole policy. Some only reduce specific coverage prices like liability, collision or medical payments. If you do the math and it seems like all those discounts means the company will pay you, nobody gets a free ride.
The illustration below illustrates the difference between Ford Fusion yearly insurance costs with and without discounts applied to the premium. The data is based on a female driver, no claims or violations, Texas state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, marriage, multi-car, homeowner, and multi-policy discounts applied.
Auto insurance companies who might offer most of these discounts may include but are not limited to:
If you need lower rates, check with every company which discounts you qualify for. Some credits may not apply to policies in every state. To see car insurance companies that offer multiple discounts in Texas, click this link.
Car insurance can be complex
When it comes to the best car insurance coverage for your vehicles, there really isn’t a single plan that fits everyone. Your financial needs are unique.
For example, these questions might help in determining whether or not you would benefit from an agent’s advice.
- Can I get a multi-policy discount?
- Does my insurance cover my expensive audio equipment?
- Does my policy pay for OEM or aftermarket parts?
- Why am I be forced to buy a membership to get insurance from some companies?
- What is an adequate liability insurance limit?
- Is my Ford Fusion covered if I use it for business?
- Am I covered if I hit a deer?
- Do I have coverage when pulling a U-Haul trailer?
- Is business equipment covered while in my vehicle?
If it’s difficult to answer those questions, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form. It’s fast, free and can help protect your family.