Insurance rates Ford Fusion in RochesterWant lower-priced Ford Fusion insurance in Rochester? Are you drained from sacrificing to pay high car insurance rates every month? You have the same problem as millions of other drivers.

Regrettably, almost 70% of drivers in New York have stayed with the same insurance company for over three years, and about 40% of consumers have never compared car insurance rates at all. The average driver in the U.S. could cut their rates by 46.5% a year, but they don't know how much money they would save if they switched. Because you have many car insurance companies to choose from, it can be hard to choose a lower cost insurer.

Most of the larger companies allow consumers to get insurance quotes direct online. Obtaining pricing for Ford Fusion insurance in Rochester is very simple as you just enter your required coverages into the form. After you complete the form, their rating system automatically retrieves information on your driving record and credit history and generates pricing information determined by many factors. Quoting online for Ford Fusion insurance in Rochester simplifies rate comparisons, and it's also necessary to get many rate quotes if you want to get affordable rates.

To compare rates now, consider comparing rates from the companies shown below. If you have a policy now, it's recommended you copy deductibles and limits exactly as shown on your declarations page. This helps ensure you will get comparison quotes based on the exact same insurance coverage.

The car insurance companies shown below offer price quotes in Rochester, NY. If you want cheap car insurance in New York, we recommend you visit two to three different companies to get the best price comparison.

Ford Fusion Insurance Estimates in Rochester, NY
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $220 $404 $270 $16 $80 $990 $83
Fusion SE 4-Dr Sedan $224 $398 $270 $16 $80 $988 $82
Fusion Hybrid 4-Dr Sedan $140 $338 $400 $24 $120 $1,022 $85
Fusion SEL 4-Dr Sedan $286 $596 $358 $22 $106 $1,368 $114
Fusion Sport 4-Dr Sedan $110 $212 $248 $14 $74 $658 $55
Fusion SEL AWD 4-Dr Sedan $136 $288 $300 $18 $90 $832 $69
Fusion Sport AWD 4-Dr Sedan $252 $538 $320 $18 $96 $1,224 $102
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Data rating is based on single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and New York minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Price information does not factor in garaging location in Rochester which can modify rates substantially.

Should you raise deductibles?

When comparing auto insurance rates, the most common question is where to set your physical damage deductibles. The tables below can help illustrate the differences in premium rates of buying low and high coverage deductibles. The first pricing table uses a $100 comprehensive and collision deductible and the second set of rates uses a $1,000 deductible.

Ford Fusion insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $228 $412 $264 $16 $80 $1,025 $85
Fusion SE 4-Dr Sedan $258 $484 $264 $16 $80 $1,127 $94
Fusion Hybrid 4-Dr Sedan $258 $558 $330 $20 $100 $1,291 $108
Fusion SEL 4-Dr Sedan $258 $484 $264 $16 $80 $1,127 $94
Fusion Sport 4-Dr Sedan $258 $484 $264 $16 $80 $1,127 $94
Fusion SEL AWD 4-Dr Sedan $286 $558 $264 $16 $80 $1,229 $102
Fusion Sport AWD 4-Dr Sedan $286 $558 $264 $16 $80 $1,229 $102
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Ford Fusion insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $126 $216 $264 $16 $80 $702 $59
Fusion SE 4-Dr Sedan $142 $256 $264 $16 $80 $758 $63
Fusion Hybrid 4-Dr Sedan $142 $294 $330 $20 $100 $886 $74
Fusion SEL 4-Dr Sedan $142 $256 $264 $16 $80 $758 $63
Fusion Sport 4-Dr Sedan $142 $256 $264 $16 $80 $758 $63
Fusion SEL AWD 4-Dr Sedan $158 $294 $264 $16 $80 $812 $68
Fusion Sport AWD 4-Dr Sedan $158 $294 $264 $16 $80 $812 $68
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and New York minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Rate information does not factor in your specific Rochester location which can lower or raise price quotes substantially.

Based on these figures, using a $100 deductible will cost you roughly $32 more each month or $384 every year than quoting the higher $1,000 deductible. Because you would be required to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you usually have at least 28 months between claims, you would more than likely save some money if you choose the higher deductible.

How to calculate deductible break even point

Average monthly premium for $100 deductibles: $97
Average monthly premium for $1,000 deductibles (subtract): - $65
Monthly savings from raising deductible: $32
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $32
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 28 months

One important caveat is that increasing deductibles to lower your rates means you will have to pay more when you do file a claim. That will necessitate some extra funds in the event you need to pay the higher deductible.

Auto insurance is not optional but you don't have to overpay

Even though it's not necessarily cheap to insure a Ford in Rochester, buying auto insurance may be required for several reasons.

The benefits of insuring your Fusion more than offset the price you pay, particularly if you ever have a claim. The average driver in America is currently overpaying as much as $850 per year so compare rates each time the policy renews to save money.

Ads can be misleading

Consumers constantly see and hear ads that promise big savings for switching from companies such as State Farm, GEICO and Progressive. All the companies state the claim about how much you will save if you change your coverage to them.

How is it possible that every company can charge you less for car insurance?

All the different companies have specific criteria for the type of driver that will add to their bottom line. An example of a profitable insured could possibly be between 30 and 50, is a homeowner, and drives newer vehicles. Anybody that hits that "sweet spot" receive the lowest rate quotes in Rochester and will probably cut their Ford Fusion insurance rates if they switch.

People who do not fit this stringent profile will get higher prices which usually ends up with the customer buying from a different company. The ads state "people that switch" but not "all drivers who get quotes" can save as much as they claim. That is how companies can make claims like that. Because of these techniques, drivers should get Rochester auto insurance quotes as often as possible. Because you never know which company will have the lowest Ford Fusion insurance in Rochester.

Lower-cost Rochester auto insurance rates with discounts

Companies offering auto insurance don't always advertise all possible discounts in an easy-to-find place, so the list below details a few of the more common and also the lesser-known discounts that you may qualify for.Save money with discounts

Discounts lower rates, but most credits do not apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as liability and collision coverage. So even though it sounds like you can get free auto insurance, it's just not the way it works.

Some companies that may offer quotes with some of the discounts shown above may include but are not limited to:

It's a good idea to ask each company to apply every possible discount. Some discounts may not apply in Rochester.

Neighborhood agents and car insurance

Many drivers would rather have an agent's advice and often times that is recommended Agents can answer important questions and give you someone to call. A good thing about comparing car insurance online is you can get cheap car insurance quotes and still have a local agent.

Find insurance agent in RochesterTo help locate an agent, after submitting this short form, your information is transmitted to companies in Rochester that can give you free Rochester auto insurance quotes for your car insurance coverage. You don't have to leave your computer since price quotes are sent instantly to you. If you wish to get a comparison quote for a specific company, feel free to find their quoting web page and complete a quote there.

Choosing a provider should depend on more than just the bottom line cost. Some important questions to ask are:

If you want a reputable agency, there are two types of insurance agents and how they operate. Car insurance agents in Rochester can either be independent or exclusive. Both types of agents can write car insurance policies, but it is important to understand how they are different since it could factor into your agent selection.

Exclusive Car Insurance Agencies

Agents in the exclusive channel write business for a single company and examples are State Farm, AAA, and Liberty Mutual. These agents are not able to compare other company's rates so you need to shop around if the rates are high. These agents are usually well trained on sales techniques and that allows them to sell at a higher price point.

The following are Rochester exclusive agents that can give you comparison quotes.

4124 W Henrietta Rd - Rochester, NY 14623 - (585) 359-4280 - View Map

103 Canal Landing Blvd #10 - Rochester, NY 14626 - (585) 224-3495 - View Map

3047 W Henrietta Rd - Rochester, NY 14623 - (585) 475-1820 - View Map

More Rochester agents

Independent Car Insurance Agencies

These agents are normally appointed by many insurers so they have the ability to put coverage through lots of different companies and potentially find a lower price. If you want to switch companies, they simply switch companies in-house without you having to go to a different agency.

When shopping rates, you should always get several quotes from several independent insurance agents in order to have the best price comparison.

Shown below are independent agents in Rochester who can help you get comparison quotes.

150 Sawgrass Dr - Rochester, NY 14620 - (585) 336-7600 - View Map

919 Culver Rd - Rochester, NY 14609 - (585) 482-9980 - View Map

800 Linden Ave - Rochester, NY 14625 - (585) 586-8000 - View Map

More Rochester agents

Keep this in mind when shopping around

We just covered some good ideas how to lower your Ford Fusion insurance premium rates in Rochester. The most important thing to understand is the more rate quotes you have, the better likelihood of getting affordable Ford Fusion insurance quotes. Consumers could even find that the best premium rates are with a company that doesn't do a lot of advertising. Regional companies may cover specific market segments cheaper than the large multi-state companies such as State Farm and Allstate.

As you restructure your insurance plan, don't be tempted to reduce needed coverages to save money. In many instances, drivers have reduced physical damage coverage only to regret at claim time that they should have had better coverage. The goal is to find the BEST coverage at the best possible price.

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