Discount Ford Fusion insuranceWant to learn the secrets to finding low-cost Ford Fusion insurance in Boston? Having to pay for overpriced car insurance in Boston can drain your bank account and make it hard to pay other bills.

A recent survey discovered that 70% of consumers have purchased from the same company for four years or more, and approximately 40% of consumers have never even compared rates from other companies. Massachusetts drivers could cut their rates by 45% a year, but they just don't understand how much money they would save if they switch to a new company. Due to the increasing number of online and local companies to choose from, it can be diffult for drivers to choose the lowest price car insurance provider.

The goal of this article is to teach you a little about the most effective way to quote insurance and some tricks to saving. If you have auto insurance now, you will be able to lower your rates using these methods. Shoppers just have to learn the most time-saving way to compare price quotes instantly.

Save money on Ford Fusion insurance in Boston with these car insurance discounts

Car insurance is neither fun to buy or cheap, but there could be significant discounts that can dramatically reduce your bill. Certain discounts will be applied when you complete an application, but a few need to be specially asked for before you get the savings.Car insurance discounts

As a disclaimer on discounts, some credits don't apply to the whole policy. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears you could get a free car insurance policy, companies don't profit that way. But all discounts will positively reduce the premium cost.

A few companies that may include these discounts include:

Check with every prospective company which discounts you may be entitled to. Some discounts listed above might not be available to policyholders in Boston. For a list of insurance companies with significant discounts in Boston, click here to view.

Many insurance companies give prices for coverage on the web. Getting online rates for Ford Fusion insurance in Boston is possible for anyone because you just enter your coverage preferences into the form. Once you submit the form, their system requests information on your driving record and credit history and quotes a price based on these factors. The ability to get online rate quotes for Ford Fusion insurance in Boston makes it a lot easier to compare rates and it's absolutely necessary to perform this step if you want to get the lowest auto insurance rates.

In order to compare pricing, take a look at the companies shown below. If you have a policy now, it's recommended you copy the limits and deductibles as close as possible to your current policy. This makes sure you're receiving an apples-to-apples comparison for exact coverage.

The companies in the list below are ready to provide price quotes in Massachusetts. If several companies are displayed, we suggest you visit two to three different companies to get the best price comparison.

Ford Fusion Insurance Price Estimates in Boston, MA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $278 $510 $340 $20 $102 $1,250 $104
Fusion SE 4-Dr Sedan $332 $512 $438 $26 $132 $1,440 $120
Fusion Hybrid 4-Dr Sedan $370 $704 $548 $32 $164 $1,818 $152
Fusion SEL 4-Dr Sedan $180 $322 $334 $20 $100 $956 $80
Fusion Sport 4-Dr Sedan $200 $396 $452 $26 $136 $1,210 $101
Fusion SEL AWD 4-Dr Sedan $330 $648 $344 $20 $104 $1,446 $121
Fusion Sport AWD 4-Dr Sedan $362 $704 $334 $20 $100 $1,520 $127
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Massachusetts minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Price information does not factor in vehicle garaging location which can affect premiums substantially.

Policy deductible comparison

One of the most common auto insurance questions is the level to set your comp and collision deductibles. The premium rates below may aid in understanding the rate fluctuation between low and high insurance deductibles. The first set of rates uses a $100 deductible and the second price chart uses a $1,000 deductible.

Ford Fusion insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $288 $520 $334 $20 $100 $1,287 $107
Fusion SE 4-Dr Sedan $324 $612 $334 $20 $100 $1,415 $118
Fusion Hybrid 4-Dr Sedan $324 $704 $418 $24 $126 $1,621 $135
Fusion SEL 4-Dr Sedan $324 $612 $334 $20 $100 $1,415 $118
Fusion Sport 4-Dr Sedan $324 $612 $334 $20 $100 $1,415 $118
Fusion SEL AWD 4-Dr Sedan $362 $704 $334 $20 $100 $1,545 $129
Fusion Sport AWD 4-Dr Sedan $362 $704 $334 $20 $100 $1,545 $129
Get Your Own Custom Quote Go
Ford Fusion insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $160 $274 $334 $20 $100 $888 $74
Fusion SE 4-Dr Sedan $180 $322 $334 $20 $100 $956 $80
Fusion Hybrid 4-Dr Sedan $180 $372 $418 $24 $126 $1,120 $93
Fusion SEL 4-Dr Sedan $180 $322 $334 $20 $100 $956 $80
Fusion Sport 4-Dr Sedan $180 $322 $334 $20 $100 $956 $80
Fusion SEL AWD 4-Dr Sedan $200 $372 $334 $20 $100 $1,026 $86
Fusion Sport AWD 4-Dr Sedan $200 $372 $334 $20 $100 $1,026 $86
Get Your Own Custom Quote Go

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Massachusetts minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Rate quotes do not factor in your specific Boston location which can impact prices noticeably.

We can estimate from the data above that using a $100 deductible would cost the average driver about $39 more each month or $468 a year than selecting the higher $1,000 deductible. Since you would pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to have at least 23 months between claim filings, you would probably save some money going with the higher deductible. Here is the way you can do this calculation yourself.

Average monthly premium for $100 deductibles: $122
Average monthly premium for $1,000 deductibles (subtract): - $83
Monthly savings from raising deductible: $39
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $39
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 23 months

Safe drivers pay less for auto insurance

The example below shows how traffic citations and accident claims can increase Ford Fusion insurance prices for different age groups. The data assumes a single male driver, comp and collision included, $1,000 deductibles, and no policy discounts are applied.

Exclusive or independent insurance agencies

Many people would rather buy from a local agent and that is recommended in a lot of cases Professional agents can point out coverage gaps and help you file claims. One of the great benefits of comparing insurance prices online is that you can obtain cheap auto insurance quotes but also keep your business local. Buying from and supporting local insurance agents is important especially in Boston.

Insurance agents in BostonFor easy comparison, once you complete this short form, your information is sent to insurance agents in Boston that provide free Boston car insurance quotes for your auto insurance coverage. There is no reason to contact any agents since price quotes are sent to the email address you provide. If you have a need to quote rates for a specific company, you just need to jump over to their website and submit a quote form there.

When searching for a good insurance agency, it can be helpful to understand the different types of agencies from which to choose. Auto insurance agents in Boston can either be independent or exclusive. Both do a good job, but it's worth learning the differences since it can affect which agent you choose.

Independent Auto Insurance Agencies

Independent agents can sell policies from many different companies and that enables them to quote your coverage with many different companies and help determine which has the cheapest rates. If they quote lower rates, they simply move your policy to a different company and you don't have to do anything.

If you are trying to find cheaper rates, you absolutely need to compare prices from a couple of independent agencies for maximum quote selection.

Listed below are independent agencies in Boston that may be able to provide free price quotes.


75 Boston-Providence Turnpike - Norwood, MA 02062 - (781) 762-3400 - View Map


45 L St - South Boston, MA 02127 - (617) 269-4040 - View Map


287 Newbury St - Boston, MA 02115 - (617) 902-0011 - View Map

View more agents

Exclusive Insurance Agents

These type of agents can only write with one company and some examples include Allstate, State Farm and Farmers Insurance. They generally cannot give you multiple price quotes so they have to upsell other benefits. They receive a lot of sales training on what they offer which helps offset the inability to provide other markets.

Listed below is a short list of exclusive insurance agencies in Boston who can help you get comparison quotes.


571 Dudley St Ste A - Boston, MA 02125 - (617) 442-9490 - View Map


125 High St - Boston, MA 02110 - (617) 443-9300 - View Map

View more agents

Selecting a auto insurance agent shouldn't rely on just a cheap price. Before buying a policy in Boston, get answers to these questions.

Smart shoppers get results

When shopping online for car insurance, it's very important that you do not reduce coverage to reduce premium. In many instances, an insured cut uninsured motorist or liability limits and found out when filing a claim that the savings was not a smart move. Your goal should be to buy the best coverage you can find for the lowest cost.

We just showed you a lot of tips how to lower your Ford Fusion insurance prices in Boston. It's most important to understand that the more you quote Boston car insurance, the more likely it is that you will get a better rate. Consumers may even find the best prices are with the smaller companies. Regional companies may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm and Allstate.

Helpful articles