Do you want to learn to get more affordable Ford Fusion insurance in Reno? Tired of robbing Peter to pay Paul to pay high insurance rates every month? You have the same problem as many other consumers in Nevada.

Insurance for Ford FusionAstonishing but true according to a recent study, most drivers in Nevada have bought insurance from the same company for well over three years, and nearly half have never compared rates with other companies. Consumers in America could save themselves about $859 a year just by shopping around, but they just assume it's a time-consuming process to find lower-cost insurance rates. Insurance companies such as State Farm, Progressive and GEICO all claim big savings, bombarding you with ads and it can be hard to separate fact from fiction and take the time to shop coverage around.

It's important to take a look at other company's rates as often as possible due to the fact that insurance rates change regularly. Just because you had the best rate on Ford Fusion insurance in Reno on your last policy you can probably find a better price now. There is a lot of bad advice regarding Fusion insurance online, but in a few minutes you can learn the easiest ways to lower your insurance premiums.

How to buy Ford Fusion insurance online

The majority of larger companies allow consumers to get insurance quotes from their websites. This process is quite easy because it's just a matter of typing in the coverage amounts you desire into a form. Once you submit the form, the quote system orders your driving and credit reports and returns a price quote based on many factors. This helps simplify price comparisons, and it is imperative to have as many quotes as possible in order to get a better rate.

To quickly get comparison pricing now, visit the companies below or click here to submit a quote request to multiple companies at once. To compare your current rates, we recommend you replicate the insurance coverages as shown on your current policy. This way, you will receive comparison quotes using the same coverage and limits.

The companies shown below have been selected to offer free quotes in Nevada. If multiple companies are listed, it's a good idea that you compare several of them to find the most affordable auto insurance rates.

Ford Fusion Insurance Price Estimates in Reno, NV
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $186 $342 $296 $18 $88 $930 $78
Fusion SE 4-Dr Sedan $268 $472 $308 $18 $92 $1,158 $97
Fusion Hybrid 4-Dr Sedan $288 $734 $500 $30 $150 $1,702 $142
Fusion SEL 4-Dr Sedan $298 $582 $416 $24 $124 $1,444 $120
Fusion Sport 4-Dr Sedan $288 $638 $400 $24 $120 $1,470 $123
Fusion SEL AWD 4-Dr Sedan $178 $386 $400 $24 $120 $1,108 $92
Fusion Sport AWD 4-Dr Sedan $270 $540 $416 $24 $124 $1,374 $115
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Prices above based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Nevada minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Table data does not factor in zip code location which can alter price quotes considerably.

Raise deductibles and save

The information below demonstrates how choosing different deductibles and can affect Ford Fusion insurance premiums for different insured age categories. The rate quotes are based on a single female driver, comp and collision included, and no other discounts are factored in.

Drive safe and save

The illustration below highlights how traffic violations and accidents increase Ford Fusion auto insurance costs for each different age category. The premiums assume a married female driver, comp and collision included, $500 deductibles, and no discounts are factored in.

Policy deductibles

One common question asked by Reno drivers is how high should the deductibles for physical damage be. The rates below may help to conceptualize how much more rates are of buying low and high deductibles. The first set of rates uses a $250 deductible for comp and collision and the second price table uses a $1,000 deductible.

Ford Fusion insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $238 $402 $308 $18 $92 $1,083 $90
Fusion SE 4-Dr Sedan $268 $472 $308 $18 $92 $1,183 $99
Fusion Hybrid 4-Dr Sedan $268 $544 $386 $22 $116 $1,361 $113
Fusion SEL 4-Dr Sedan $268 $472 $308 $18 $92 $1,183 $99
Fusion Sport 4-Dr Sedan $268 $472 $308 $18 $92 $1,183 $99
Fusion SEL AWD 4-Dr Sedan $300 $544 $308 $18 $92 $1,287 $107
Fusion Sport AWD 4-Dr Sedan $300 $544 $308 $18 $92 $1,287 $107
Get Your Own Custom Quote Go
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 $148 $252 $308 $18 $92 $818 $68
Fusion SE 4-Dr Sedan $166 $298 $308 $18 $92 $882 $74
Fusion Hybrid 4-Dr Sedan $166 $342 $386 $22 $116 $1,032 $86
Fusion SEL 4-Dr Sedan $166 $298 $308 $18 $92 $882 $74
Fusion Sport 4-Dr Sedan $166 $298 $308 $18 $92 $882 $74
Fusion SEL AWD 4-Dr Sedan $184 $342 $308 $18 $92 $944 $79
Fusion Sport AWD 4-Dr Sedan $184 $342 $308 $18 $92 $944 $79
Get Your Own Custom Quote Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Rate information does not factor in specific zip code location which can alter coverage rates considerably.

Based on the data above, we can derive that using a $250 deductible would cost the average driver about $26 more each month or $312 for a full year than requesting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you have at a minimum 29 months between claim filings, you would probably come out ahead by going with a higher deductible.

Independent or exclusive insurance agencies

Some people still like to buy from a licensed agent and that is a personal choice. Good insurance agents will help you protect your assets and help submit paperwork. A nice benefit of comparing rates online is that you can obtain the best rates and still buy from a local agent.

Find insurance agent in RenoTo find an agent, once you fill out this form (opens in new window), your information is instantly submitted to local insurance agents who can give free rate quotes to get your business. There is no reason to leave your computer because prices are sent to you instantly. In the event you want to get a comparison quote from a particular provider, you just need to navigate to their website to submit a rate quote request.

Finding the right provider should include more criteria than just the bottom line cost. Any agent in Reno should be willing to answer these questions.

Two types of Reno auto insurance agents

If you are searching for a good Reno insurance agent, it's helpful to know the different agency structures to choose from. Reno agents are either independent (non-exclusive) or exclusive. Both provide insurance policies, but it's a good idea to understand the subtle differences because it can factor into your selection of an agent.

Exclusive Insurance Agencies

Exclusive insurance agents generally can only insure with one company and some examples include Farmers Insurance, American Family, State Farm and Allstate. Exclusive agents are unable to provide other company's prices so they have no alternatives for high prices. They are well schooled on their company's products and that enables them to sell even at higher rates.

Listed below are Reno exclusive agents who can help you get comparison quotes.


4600 Kietzke Ln #F150 - Reno, NV 89502 - (775) 851-3536 - View Map


705 S Wells Ave #100 - Reno, NV 89502 - (775) 284-9844 - View Map


212 Lemmon Dr - Reno, NV 89506 - (775) 332-1818 - View Map

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Independent Agents

Agents that elect to be independent do not sell for just one brand and that enables them to quote your coverage with an assortment of companies and find the cheapest insurance rates. If they quote lower rates, an independent agent can move your coverage and that require little work on your part. When shopping rates, you definitely need to check rates from at least one independent agent to have the most options to choose from.

Shown below are Reno independent insurance agencies who can help you get price quote information.


300 E 2nd St #1300 - Reno, NV 89501 - (775) 996-6000 - View Map


7025 Longley Ln #60 - Reno, NV 89511 - (775) 827-1400 - View Map


1314 S Wells Ave - Reno, NV 89502 - (775) 323-1800 - View Map

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