Insurance quote for Ford Fusion in CheyenneAre you looking for lower-priced Ford Fusion insurance in Cheyenne? Searching for low-cost insurance for a new or used Ford Fusion in Wyoming can be a lot of work, but you can learn these tips to find lower rates. There are more efficient ways to buy insurance so we're going to tell you the best way to compare rates for a Ford and locate the lowest possible price from both online companies and Cheyenne agents.

Buying affordable auto insurance in Cheyenne can be made easier if you know where to look. If you have coverage now or just want a better rate, you can use these tips to get lower rates while maximizing coverage. Shoppers just need to learn the proper way to shop for auto insurance from many different companies online.

Discounts mean cheaper rates for Ford Fusion insurance in Cheyenne

Car insurance is not cheap, but you can get discounts that you may not even be aware of. A few discounts will be applied at the time you complete a quote, but lesser-known reductions have to be asked about before they will apply.Insurance discounts

Just know that most credits do not apply to the whole policy. Most only apply to the cost of specific coverages such as comprehensive or collision. So even though it sounds like all those discounts means the company will pay you, it just doesn't work that way. But all discounts will cut your policy cost.

Some of the insurance companies that may have these money-saving discounts include:

It's a good idea to ask every insurance company which discounts they offer. A few discounts might not be offered in Cheyenne. For a list of insurance companies who offer insurance discounts in Cheyenne, follow this link.

Getting a cheaper price on Ford Fusion insurance is actually easier than you may think. Just invest a few minutes getting comparison quotes to discover which company has affordable Ford Fusion insurance quotes.

The companies in the list below have been selected to offer price comparisons in Cheyenne, WY. If multiple companies are listed, it's highly recommended you get prices from several of them to get the best price comparison.

Ford Fusion Insurance Cost Estimates in Cheyenne, WY
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $252 $430 $370 $22 $110 $1,184 $99
Fusion SE 4-Dr Sedan $300 $622 $466 $28 $140 $1,556 $130
Fusion Hybrid 4-Dr Sedan $272 $642 $430 $26 $128 $1,498 $125
Fusion SEL 4-Dr Sedan $304 $538 $366 $22 $110 $1,340 $112
Fusion Sport 4-Dr Sedan $284 $506 $370 $22 $110 $1,292 $108
Fusion SEL AWD 4-Dr Sedan $352 $694 $370 $22 $110 $1,548 $129
Fusion Sport AWD 4-Dr Sedan $334 $740 $376 $22 $112 $1,584 $132
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Cost estimates assume married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Wyoming minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Estimates do not factor in your specific Cheyenne location which can impact rates considerably.

Should you raise deductibles?

One frequently asked question is how high or low should comp and collision deductibles be. The comparisons below may help to conceptualize how much more rates are when you select higher and lower deductibles. The first rate comparisons uses a $250 physical damage coverage deductible and the second rate table uses a $500 deductible.

Ford Fusion insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $276 $466 $358 $22 $108 $1,255 $105
Fusion SE 4-Dr Sedan $312 $550 $358 $22 $108 $1,375 $115
Fusion Hybrid 4-Dr Sedan $312 $632 $448 $26 $134 $1,577 $131
Fusion SEL 4-Dr Sedan $312 $550 $358 $22 $108 $1,375 $115
Fusion Sport 4-Dr Sedan $312 $550 $358 $22 $108 $1,375 $115
Fusion SEL AWD 4-Dr Sedan $348 $632 $358 $22 $108 $1,493 $124
Fusion Sport AWD 4-Dr Sedan $348 $632 $358 $22 $108 $1,493 $124
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Ford Fusion insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $226 $376 $358 $22 $108 $1,090 $91
Fusion SE 4-Dr Sedan $254 $444 $358 $22 $108 $1,186 $99
Fusion Hybrid 4-Dr Sedan $254 $510 $448 $26 $134 $1,372 $114
Fusion SEL 4-Dr Sedan $254 $444 $358 $22 $108 $1,186 $99
Fusion Sport 4-Dr Sedan $254 $444 $358 $22 $108 $1,186 $99
Fusion SEL AWD 4-Dr Sedan $282 $510 $358 $22 $108 $1,280 $107
Fusion Sport AWD 4-Dr Sedan $282 $510 $358 $22 $108 $1,280 $107
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Wyoming minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Premium amounts do not factor in specific Cheyenne garaging location which can revise auto insurance rates greatly.

Based on the data above, we can derive that using a $250 deductible will cost you approximately $16 more each month or $192 every year than selecting the higher $500 deductible. Because you would pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you average at least 16 months between claim filings, you would come out ahead by selecting a higher deductible.

Calculation for determining deductible levels

Average monthly premium for $250 deductibles: $118
Average monthly premium for $500 deductibles (subtract): - $102
Monthly savings from raising deductible: $16
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $16
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 16 months

An important sidenote is that raising deductibles to save money means you will have to cover more of the damage yourself when you have a comprehensive or collision claim. You should have enough money stashed away in order to pay the higher deductible in order to repair your vehicle.

Cost of full coverage

The chart below shows the comparison of Ford Fusion auto insurance rates with and without physical damage coverage. The price estimates are based on no claims or violations, $500 deductibles, married male driver, and no discounts are applied to the premium.

When to switch to liability coverage only

There is no definitive rule of when to exclude physical damage coverage, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is more than about 10% of replacement cost minus your deductible, then you may need to consider dropping full coverage.

For example, let's pretend your Ford Fusion replacement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $5,000 after paying your deductible. If you are paying more than $500 annually for physical damage coverage, then you might consider buying liability only.

There are some circumstances where dropping full coverage is not a good idea. If you haven't satisfied your loan, you must maintain physical damage coverage as part of the loan requirements. Also, if you don't have enough money to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage.

Physical damage deductibles: Should you raise them?

The diagram below shows how different deductible levels and can increase or decrease Ford Fusion insurance premiums for different categories of driver ages. The rate quotes are based on a married female driver, full physical damage coverage, and no other discounts are factored in.

Detailed coverages of your insurance policy

Learning about specific coverages of insurance aids in choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like hitting a bird, hail damage, vandalism and damage from flooding. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Collision coverage

Collision coverage pays to fix your vehicle from damage resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as rolling your car, hitting a mailbox and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible on your Fusion to bring the cost down.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like funeral costs, rehabilitation expenses and doctor visits. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection when other motorists do not carry enough liability coverage. This coverage pays for injuries to you and your family and also any damage incurred to your Ford Fusion.

Because many people only carry the minimum required liability limits (25/50/20), it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Liability car insurance

This can cover injuries or damage you cause to other's property or people. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/20 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $20,000.

Liability can pay for things like legal defense fees, attorney fees, repair bills for other people's vehicles and repair costs for stationary objects. How much coverage you buy is up to you, but consider buying as large an amount as possible. Wyoming state law requires minimum liability limits of 25/50/20 but you should consider buying more liability than the minimum.

How much can you save?

We just covered many ways to shop for Ford Fusion insurance online. It's most important to understand that the more quotes you get, the higher the chance of saving money. Consumers may even find the biggest savings come from some of the smallest insurance companies.

Insureds leave their current company for a number of reasons such as delays in paying claims, an unsatisfactory settlement offer, delays in responding to claim requests or denial of a claim. It doesn't matter what your reason, switching companies can be pretty painless.

Some companies may not offer internet price quotes and these small, regional companies prefer to sell through independent insurance agents. The cheapest Ford Fusion insurance in Cheyenne is possible both online and from local agencies, so you should be comparing quotes from both to have the best chance of lowering rates.

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