Ford Fusion Insurance

When consumers shop for a car, they rarely take insurance rates into account, even though the type of car a consumer buys plays a crucial role in whether the premium is high or low.

The Ford Fusion, which is comfortable, compliant and well priced, comes equipped with safety features such as anti-lock brakes, stability control, front-impact airbags, side-impact airbags, overhead airbags and a security system that add to the insurance premium being lower when compared to a vehicle that does not have these safety features. The average cost of Ford Fusion insurance for a year is roughly $1,300.

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If the car has an alarm, with proper documentation, a consumer can also benefit on insurance premiums. By choosing to reduce the number of miles driven a year, consumers can maintain their premium from being increased.

Ford's Fusion earned five stars, the highest possible in side-impact testing, according to the National Highway Traffic Safety Administration (NHTSA), and received four stars for side impact rear and rollover safety.

Insurance for Ford's midsize sedan depends on a variety of factors, such as the car's above noted safety features and the results of its crash test as insurance companies look at various risk factors when determining rates.

Whether the driver is male or female, and the age of the driver, are also issues. The Ford Fusion gets relatively good gas mileage, is safe and also has good handling. The magazine Consumer Reports describes the Ford Fusion's reliability as much better than average.

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Ford Fusion insurance premiums may be lowered by the different style of car. Three of the styles offer four cylinder engines which will lower the premium while the one six cylinder engine may be higher.

A car's engine and transmission can often affect insurance rates. For example, cars with automatic transmissions are typically less costly to insure than those with manual transmissions. reports the average national premium for the top 10 selling vehicles, which includes the Ford Fusion, ranked No. 9, at $1,231.03. Other low cost car insurance winners include the Dodge Caliber ($1,196.21), Buick Lacrosse CX ($1,204.23) and Honda Accord LX ($1,211.92). Averages are based on a single 40-year old male driver who commutes 12 miles to work.

The same website also determined it would cost about $200 more a year to insure a Ford Fusion than a Ford Escape while it would cost a bit more to insure a Honda Civic than the more expensive Honda Accord.

A consumer should look for cheap insurance before purchasing a car. Using the Internet will provide many of the best deals for making such purchases.

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For example, at one website there was a difference of $859 in Ford Fusion's favor when evaluating comparable models of the 2010 Fusion and the 2010 Toyota Camry.

Online insurance comparisons often uncover lesser-known insurance options, in addition to more popular insurance agencies such as State Farm, Allstate and Progressive. However they find their insurance, drivers should always be sure to get enough insurance to drive legally.