Who Has the Cheapest Auto Insurance Quotes for a Ford Fusion in Omaha?

Buying cheap auto insurance for a Ford Fusion in Nebraska hinges on lots of different factors such as whether you use your Fusion for business use, your credit status, and citations or violations on your driving record. Nebraska drivers pay around $676 annually to insure their Fusion, but that figure is using a 50-year-old married female driver with full coverage and $1,000 deductibles.

There is a good probability you may not be 50 years old (or even female), single instead of married, or maybe you just want different deductibles. Each driver’s needs are different, and that demonstrates why the only real way to find affordable rates for your Ford is to do a thorough rate comparison. It’s really quite easy you can get rates from some of the most affordable companies around.

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Vehicle trim level tends to have a direct effect on the cost of coverage, so the rate you will pay to insure a Fusion S 4-Dr Sedan will be $100 less than the price to insure the more expensive Fusion Sport AWD 4-Dr Sedan trim level, as shown below.

Ford Fusion Insurance Rates in Omaha, NE
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $110 $204 $282 $16 $84 $696 $58
Fusion SE 4-Dr Sedan $124 $240 $282 $16 $84 $746 $62
Fusion Hybrid 4-Dr Sedan $124 $276 $352 $20 $106 $878 $73
Fusion SEL 4-Dr Sedan $124 $240 $282 $16 $84 $746 $62
Fusion Sport 4-Dr Sedan $124 $240 $282 $16 $84 $746 $62
Fusion SEL AWD 4-Dr Sedan $138 $276 $282 $16 $84 $796 $66
Fusion Sport AWD 4-Dr Sedan $138 $276 $282 $16 $84 $796 $66
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Data rating is based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nebraska minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Prices do not factor in specific location which can modify premium rates significantly.

Deciphering which company offers the cheapest auto insurance rates for a Ford Fusion will take a little more sweat in order to find the lowest price quote.

Every car insurance company uses different criteria to determine rates, so let’s look at the rankings for the auto insurance companies with the overall cheapest rates in Omaha, NE. It’s important that readers know that Omaha auto insurance rates are impacted by many factors that can increase the price you have to pay for coverage. Simply getting older, having a claim, or getting a ticket for careless driving can trigger price changes resulting in some rates now being cheaper than others.

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Cheapest auto insurance in Nebraska ranked by cost per year
Rank Company Cost Per Year
1 Safeco $788
2 The Hartford $839
3 Auto-Owners $932
4 Allied $949
5 Farmers Mutual of Nebraska $989
6 Nationwide $997
7 Farm Bureau Mutual $1,020
8 American National $1,054
9 State Farm $1,065
10 General Casualty $1,081
11 USAA $1,128
12 California Casualty $1,257
13 American Family $1,284
14 GEICO $1,308
15 MetLife $1,332
16 Iowa Mutual $1,347
17 EMC $1,354
18 Progressive $1,460
19 North Star $1,642
20 Farmers $1,650
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Safeco generally has some of the cheapest car insurance rates in Omaha at around $788 each year. This is $528 less than the average price paid by Nebraska drivers of $1,316. The Hartford, Auto-Owners, Allied, and Farmers Mutual of Nebraska also qualify as some of the most economical Omaha, NE auto insurance companies.

As the rates illustrate above, if you are currently insured with Allied and switched to The Hartford, you might see a yearly savings of roughly $110. Nebraska drivers with Farmers Mutual of Nebraska might save as much as $150 a year, and Nationwide customers might see rate reductions of $158 a year.

If you would like to find cheaper car insurance rates, click here to start your free quote or visit any of the low-priced companies below.

Be aware that those rates are averages across all drivers and vehicles in Nebraska and do not take into consideration an exact vehicle garaging location for a Ford Fusion. So the auto insurance company that is best for you may not even be in the top 24 companies shown above. That affirms the importance of why you need to compare rates from as many companies as possible using your own personalized driver profile and vehicle information.

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Auto insurance for a Fusion in Omaha, NEAuto insurance companies that offer coverage for a Ford Fusion may additionally offer rate discounts that can reduce rates by as much as 30% if you are eligible to receive them. Companies and a summarized list of policyholder discounts are:

The diagram below shows the difference between insurance costs with and without discounts. The rates are based on a male driver, no claims, a clean driving record, Nebraska state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows the average rate with no discounts. The second shows the rates with multiple policy, marriage, accident-free, multiple vehicle, safe-driver, and claim-free discounts applied. With discounts applied, the average savings per year on auto insurance for a Ford Fusion is 28% or $502.

Full coverage rates compared to liability-only

Saving on auto insurance should be important to most drivers, and one of the quickest ways to buy cheap insurance for a Ford Fusion is to only buy liability insurance. The diagram below illustrates the comparison of auto insurance rates with and without physical damage coverage. The costs are based on a clean driving record, no claims, $1,000 deductibles, single status, and no other discounts are factored in.

As an average for all age groups, physical damage insurance costs $1,885 per year more than just insuring for liability. At some point, about every driver wonders if buying full coverage is worth the expense. There is no written rule of when to eliminate comprehensive and collision coverage on your policy, but there is a guideline you can use. If the yearly cost for physical damage coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then it could be time to drop full coverage.

For example, let’s say your vehicle’s claim settlement value is $7,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most your company will settle for is $6,000 after paying your policy deductible. If premiums are more than $600 a year to have full coverage, then you might consider buying liability only.

Who has the cheapest Fusion insurance?

Omaha auto insurance rates are determined by lots of factors which can substantially change the cost of having a policy. Simply having another birthday, getting divorced, or getting a few speeding tickets can trigger changes in premium that can make some companies cheaper than competitors. Not only may things change on your end, but car insurance companies amend pricing as often as every quarter in order to offset underwriting gains or losses. An extended period of higher than normal claims may result in rate hikes, while lower claim levels can cause more affordable Fusion insurance rates.

To illustrate this example, the data below shows the companies that have the cheapest car insurance in Omaha, NE for a 45-year-old female driver with no accidents, a clean driving record, and a good credit rating. When comparing rates based on her current risk profile, Safeco may offer the best car insurance rates in Omaha at $896 annually. This is $420 less than the average price paid by Nebraska drivers of $1,316. The Hartford, Auto-Owners, Allied, and Farmers Mutual of Nebraska are also included in the cheapest Omaha, NE auto insurance companies.

Let’s now give the driver from the first example a claim, poor credit, and a few traffic violations. Because every insurance company uses a different method for filing rates in each state, comparing prices may now result in a substantially altered list of the cheapest Omaha car insurance companies as shown below.

Nationwide now has the cheapest insurance rate in Omaha with State Farm, General Casualty, American National, and USAA also being competitive. This example illustrates why consumers need to shop around with many companies to find the most affordable auto insurance quotes for a Ford Fusion. Car insurance prices can be altered by many things and can increase or decrease at any time, so the cheapest rate a year ago may now be one of the more expensive options.

If you aren’t clear which coverage you need and would like to have a consultation when buying car insurance for a Ford Fusion, the agents shown below can help you make a decision which coverage meets your needs best. To locate an agency close to you, click the button below the list or click here to compare rates now.

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How to find economical car insurance for a Ford Fusion

It’s not impossible to find cheaper rates, and here are some of the recommended penny-pinching suggestions that can help you quote more affordable car insurance.

That last piece of advice is particularly necessary, as we pointed out in this article. Car insurance prices in Omaha can be adjusted at any time, so don’t be tentative to buy from a new company if you find a better deal.

Many consumers stick with the same company and that’s fine, but it’s not a good idea if that faithfulness ends up costing you money that could be spent on other things. Spend a few minutes and shop around and find cheaper car insurance for a Ford Fusion.