Looking for lower-priced car insurance rates in Norfolk, VA? Norfolk drivers have a choice when trying to find the best price on Ford Fusion insurance. You can either spend your time calling around getting price quotes or use the internet to find the lowest rates. There is a better way to compare car insurance rates and you need to know the proper way to compare rates for your Ford and find the lowest possible price from Norfolk insurance agents and online providers.
Consumers need to compare prices as often as possible because car insurance prices change frequently. Even if you think you had the best quotes on Ford Fusion insurance in Norfolk at your last renewal there may be better deals available now. There are lots of tips to save on Fusion insurance out there, but in just a couple of minutes you can learn the easiest ways to buy car insurance cheaper in Norfolk.
The fastest way that we advise to compare rate quotes for Ford Fusion insurance in Norfolk is to understand all the major auto insurance companies participate in online systems to give you rate quotes. To get started, all you need to do is spend a couple of minutes providing details such as level of coverage desired, types of safety features, what your job is, and how old drivers are. That information is then submitted to many of the top insurers and you will get price comparisons instantly.
To check rates for your Ford Fusion now, click here and complete the form.
The car insurance companies shown below provide price comparisons in Norfolk, VA. If several companies are displayed, we suggest you visit two to three different companies to find the cheapest car insurance rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Fusion S 4-Dr Sedan||$170||$346||$290||$18||$88||$912||$76|
|Fusion SE 4-Dr Sedan||$120||$244||$270||$16||$80||$730||$61|
|Fusion Hybrid 4-Dr Sedan||$142||$312||$308||$18||$92||$872||$73|
|Fusion SEL 4-Dr Sedan||$142||$270||$248||$14||$74||$748||$62|
|Fusion Sport 4-Dr Sedan||$250||$472||$258||$16||$78||$1,074||$90|
|Fusion SEL AWD 4-Dr Sedan||$228||$418||$266||$16||$80||$1,008||$84|
|Fusion Sport AWD 4-Dr Sedan||$148||$324||$334||$20||$100||$926||$77|
|Get Your Own Custom Quote Go|
Prices based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Virginia minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Premium amounts do not factor in garaging location in Norfolk which can revise coverage prices significantly.
Can higher deductibles save money?
The chart below demonstrates how deductibles and can change Ford Fusion insurance premiums for different categories of driver ages. The costs are based on a married male driver, comprehensive and collision coverage, and no policy discounts are applied.
Safe drivers pay less for auto insurance
The illustration below shows how violations and at-fault claims raise Ford Fusion auto insurance rates for different age groups. The data is based on a married male driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied.
Norfolk insurance discounts for a Ford Fusion
Some insurance providers don't always advertise all available discounts very clearly, so the list below contains both well-publicized and the harder-to-find discounts that you may qualify for.
- Drive Safe and Save - Accident-free drivers may receive a discount up to 45% as compared to drivers with claims.
- Paperwork-free - A few larger online companies give back up to $50 simply for signing online.
- Senior Discount - If you're over the age of 55, you could receive a small discount on rates.
- Drivers Education - Teen drivers should successfully complete driver's ed class if it's offered in school.
- Low Mileage - Keeping the miles down on your Ford can earn substantially lower prices.
- Air Bags and Passive Restraints - Options like air bags or motorized seat belts may get savings of up to 25% or more.
- Telematics Data Discounts - Policyholders that allow companies to track vehicle usage by using a telematics device such as Progressive's Snapshot and State Farm's In-Drive might get better premium rates as long as they are good drivers.
Discounts lower rates, but most discount credits are not given to the whole policy. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. If you do the math and it seems like all the discounts add up to a free policy, it doesn't quite work that way.
A few companies who might offer most of these discounts possibly include:
When quoting, ask all companies you are considering the best way to save money. Some discounts might not be offered on policies in your area. To see insurance companies with the best Ford Fusion insurance discounts in Virginia, click here.
Why do I need car insurance?
Despite the high insurance cost for a Ford Fusion in Norfolk, insurance is not optional due to several reasons.
First, just about all states have minimum mandated liability insurance limits which means it is punishable by state law to not carry specific minimum amounts of liability insurance coverage in order to drive the car. In Virginia these limits are 25/50/20 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $20,000 of property damage coverage.
Second, if you have a lien on your car, almost every bank will stipulate that you carry insurance to ensure loan repayment if the vehicle is totalled. If you do not keep the policy in force, the lender may insure your Ford for a much higher rate and require you to fork over much more than you were paying before.
Third, auto insurance protects your Ford Fusion and your assets. It will also provide coverage for hospital and medical expenses for you, any passengers, and anyone injured in an accident. As part of your policy, liability insurance will also pay to defend you in the event you are sued. If you have damage to your Ford as the result of the weather or an accident, comprehensive and/or collision insurance will pay all costs to repair after the deductible has been paid.
The benefits of having auto insurance are without a doubt worth the cost, especially when you need to use it. Today the average American driver overpays more than $820 a year so it's recommended you shop around each time the policy renews to be sure current rates are still competitive.
You may need specialized insurance coverage
When selecting a policy for your vehicles, there isn't really a "best" method to buy coverage. Everyone's situation is a little different so this has to be addressed. Here are some questions about coverages that might help in determining if your insurance needs will benefit from professional help.
- When should my teen driver be added to my policy?
- Are my custom wheels covered?
- How much will a speeding ticket raise my rates?
- Am I covered if I break a side mirror?
- What is the ISO rating for a Ford Fusion?
- Why am I required to buy high-risk coverage?
- How many claims can I have before being canceled?
- Can my babysitter drive my car?
- Can good grades get a discount?
If you don't know the answers to these questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier It's fast, doesn't cost anything and may give you better protection.
Compare rate quotes but still have a neighborhood Norfolk auto insurance agent
Many drivers still like to sit down with an agent and that is not a bad decision Insurance agents can make sure you are properly covered and help you file claims. An additional benefit of price shopping on the web is you can get cheap auto insurance quotes and also buy local.
After filling out this simple form, the quote information gets sent to agents in your area that can give you free Norfolk auto insurance quotes to get your business. You don't have to search for an agent since price quotes are sent instantly to you. In the event you want to compare prices from a particular provider, you just need to visit that company's website and fill out the quote form the provide.
Picking the best provider requires you to look at more than just a cheap price. The following questions are important to ask.
- Does the agent have a valid license to sell insurance in Virginia?
- Will the company cover a rental car if your car is getting fixed?
- Do they specialize in personal lines coverage in Norfolk?
- Do they reduce claim amounts on high mileage vehicles?
- Do they offer claims assistance after hours?
When researching an insurance agent, you should know the different agency structures and how they work. Auto insurance agents in Norfolk can be categorized as either exclusive or independent agents depending on their company appointments. Both sell affordable auto insurance policies, but it is important to understand the subtle differences since it may influence your selection of an agent.
Exclusive Auto Insurance Agencies
Exclusive agencies can only provide pricing for a single company such as Allstate, State Farm and Farm Bureau. These agents are unable to provide rate quotes from other companies so they really need to provide good service. Exclusive insurance agents receive extensive training on their company's products and that enables them to sell even at higher rates. A lot of people buy insurance from these agents primarily because of high brand loyalty and strong financial ratings.
The following is a short list of exclusive insurance agents in Norfolk willing to provide comparison quotes.
- Allstate Insurance: Bill Barron
5812 Poplar Hall Dr b - Norfolk, VA 23502 - (757) 552-0111 - View Map
- Jim Clark - State Farm Insurance Agent
1507 E Bayview Blvd a - Norfolk, VA 23503 - (757) 588-4343 - View Map
- Allstate Insurance: Harry Patterson
708 E Little Creek Rd - Norfolk, VA 23518 - (757) 480-4100 - View Map
Independent Auto Insurance Agencies
Independent agents are not employed by one company so they can insure your vehicles with an assortment of companies and get the cheapest rates. If your agent finds better pricing, they simply move your policy to a different company which makes it simple for you. When comparing auto insurance prices, it's recommended you contact several independent insurance agents to maximize your price options. They often place coverage with companies you've never heard of which could offer lower prices.
Listed below are Norfolk independent insurance agencies who can help you get rate quotes.
- Brown and Brown Insurance
500 E Main St #600 - Norfolk, VA 23510 - (757) 497-9611 - View Map
- Gifford Insurance Asso Agy Inc
1547 A E Little Creek Rd - Norfolk, VA 23518 - (757) 583-2341 - View Map
- Met Life Auto and Home Insurance
Norfolk, VA 23502 - Norfolk, VA 23502 - (757) 747-2381 - View Map