Locating the cheapest insurance for a Ford Fusion in Nevada can turn out to be difficult, but you can learn the following methods to save time. There are more efficient ways to compare insurance rates so you're going to learn the quickest way to price shop coverage on a Ford and get the lowest price from both online companies and Las Vegas agents.
Finding cheap Las Vegas auto insurance rates is a fairly straight forward process. All that's required is to take time to compare rate quotes online from several insurance companies.
The following companies provide price quotes in Las Vegas, NV. If multiple companies are shown, we suggest you visit several of them in order to find the cheapest rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Fusion S 4-Dr Sedan||$186||$366||$400||$24||$120||$1,096||$91|
|Fusion SE 4-Dr Sedan||$188||$374||$324||$20||$96||$1,002||$84|
|Fusion Hybrid 4-Dr Sedan||$166||$342||$386||$22||$116||$1,032||$86|
|Fusion SEL 4-Dr Sedan||$218||$382||$308||$18||$92||$1,018||$85|
|Fusion Sport 4-Dr Sedan||$290||$554||$314||$18||$94||$1,270||$106|
|Fusion SEL AWD 4-Dr Sedan||$160||$336||$324||$20||$96||$936||$78|
|Fusion Sport AWD 4-Dr Sedan||$144||$292||$296||$18||$88||$838||$70|
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Above prices assume married male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Price information does not factor in specific location information which can affect premium rates greatly.
Full coverage or liability only
The example below illustrates the comparison of Ford Fusion premium costs when comparing full coverage to liability only. The data is based on no claims or driving citations, $250 deductibles, single male driver, and no additional discounts are factored in.
Should you pay for full coverage?
There is no exact formula of when to drop comp and collision coverage, but there is a general guideline. If the yearly cost of full coverage is about 10% or more of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.
For example, let's pretend your Ford Fusion replacement value is $4,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would receive is $3,000 after the policy deductible has been paid. If you are currently paying more than $300 annually for physical damage coverage, then it may be the right time to buy liability only.
There are some situations where buying only liability insurance is not recommended. If you haven't satisfied your loan, you have to maintain full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should not remove full coverage.
Insurance rate increases from tickets or accidents
The illustration below illustrates how speeding tickets and at-fault fender-benders raise Ford Fusion premium costs for each age group. The premiums assume a single male driver, comp and collision included, $100 deductibles, and no additional discounts are factored in.
Age, gender, and Ford Fusion insurance
The diagram below shows the difference between Ford Fusion auto insurance costs for male and female drivers. The costs are based on no violations or accidents, full coverage, $100 deductibles, drivers are not married, and no other discounts are factored in.
Independent and exclusive car insurance agents
Certain consumers would prefer to buy from a local agent and there is nothing wrong with that. Professional insurance agents are very good at helping people manage risk and help in the event of a claim. The best thing about getting free rate quotes online is the fact that drivers can get the lowest rates and still buy from a local agent.
After filling out this quick form, the quote information is transmitted to local insurance agents that give free quotes to get your business. There is no reason to drive around because prices are sent straight to your inbox. If you want to get a comparison quote for a specific company, you would need to visit that company's website and complete a quote there.
Selecting an insurer requires you to look at more than just the price. These are valid questions to ask:
- Will the agent help in case of a claim?
- When do they do policy reviews?
- Which insurance company do they prefer to write with?
- What insurance companies do they work with in Las Vegas?
- Are they full-time agents?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- What are the financial ratings for the companies they represent?
- Is their price quote a firm figure or are their hidden costs?
If you are wanting to find a reputable insurance agent or broker, there are two different types of agencies to choose from. Insurance agents are classified as either independent agents or exclusive agents. Both can properly insure your vehicles, but it's important to point out the difference in the companies they write for since it may influence your selection of an agent.
Agents of this type can only write with one company and some examples include State Farm, Allstate, or Farmers Insurance. They usually cannot provide prices from multiple companies so keep that in mind. Exclusive agents are highly trained on what they offer which helps them compete with independent agents. Drivers often use the same agent mostly because of the brand legacy rather than having the cheapest rates.
Below is a short list of exclusive agents in Las Vegas willing to provide rate quotes.
- Allstate Insurance: Yukin Kwan
4001 S Decatur Blvd Ste 4 - Las Vegas, NV 89103 - (702) 530-8822 - View Map
- State Farm: Gregory A Moore
4312 W Charleston Blvd - Las Vegas, NV 89102 - (702) 870-9298 - View Map
- Jason Paszek - State Farm Insurance Agent
4250 E Bonanza Rd #16 - Las Vegas, NV 89110 - (702) 453-9500 - View Map
Independent Insurance Agents
Agents that choose to be independent are not employed by one company and that allows them to write policies with multiple insurance companies and possibly get better coverage at lower prices. If your agent finds better pricing, they simply switch companies in-house which makes it simple for you. When comparing rate quotes, we recommend you contact at a minimum one independent agency to get the most accurate price comparison. Many independent agencies also insure through companies that do not advertise much who may have lower rates.
Below is a short list of independent agents in Las Vegas that are able to give rate quotes.
- AMS Insurance
9960 W Cheyenne Ave #240 - Las Vegas, NV 89129 - (702) 965-3680 - View Map
- Stevens Insurance
7785 N Durango Dr - Las Vegas, NV 89131 - (702) 648-9689 - View Map
- Insurance Group of Nevada
US Bank Financial Center, 2300 West Sahara Avenue, Suite 800 - Las Vegas, NV 89102 - (702) 996-6434 - View Map
After you get good feedback to these questions and an affordable coverage quote, you've probably found a car insurance agent that can adequately provide insurance. Just be aware that you can terminate coverage any time you want so never assume you are locked into any specific company for a certain time period.