Do you want cheaper car insurance rates in Chicago, IL? Chicago shoppers have options when shopping for the best price on Ford Fusion insurance. You can either spend your time struggling with agents getting price quotes or leverage the internet to make rate comparisons. There are more efficient ways to buy car insurance and we’ll show you the best way to get price quotes for a new or used Ford and get the lowest possible price from both online companies and Chicago agents.
You need to compare prices before your policy renews since insurance prices go up and down regularly. Despite the fact that you may have had the lowest quotes on Ford Fusion insurance in Chicago two years ago there is a good chance you can find better rates now. Block out anything you think you know about car insurance because I’m going to let you in on the secrets to the fastest way to find better coverage on Ford Fusion insurance in Chicago at a better price.
Locating the best rates in Chicago is easy if you know what you’re doing. If you have coverage now, you will surely be able to lower your rates using the ideas you’re about to read. Drivers just need to understand the fastest way to buy auto insurance from multiple carriers.
The providers in the list below are ready to provide free quotes in Chicago, IL. If multiple companies are shown, we suggest you compare several of them to find the lowest car insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion S 4-Dr Sedan | $158 | $288 | $250 | $14 | $76 | $786 | $66 |
| Fusion SE 4-Dr Sedan | $228 | $400 | $262 | $16 | $78 | $984 | $82 |
| Fusion Hybrid 4-Dr Sedan | $282 | $676 | $440 | $26 | $132 | $1,556 | $130 |
| Fusion SEL 4-Dr Sedan | $140 | $252 | $262 | $16 | $78 | $748 | $62 |
| Fusion Sport 4-Dr Sedan | $244 | $540 | $340 | $20 | $102 | $1,246 | $104 |
| Fusion SEL AWD 4-Dr Sedan | $230 | $424 | $268 | $16 | $80 | $1,018 | $85 |
| Fusion Sport AWD 4-Dr Sedan | $120 | $240 | $246 | $14 | $74 | $694 | $58 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Illinois minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Rate quotes do not factor in specific Chicago garaging location which can decrease or increase rates significantly.
How high should deductibles be?
The hardest decision when buying coverage is what deductibles to buy. The following tables sum up the rate differences between high and low policy deductibles. The first set of prices uses a $250 physical damage coverage deductible and the second set of rates uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion S 4-Dr Sedan | $202 | $340 | $262 | $16 | $78 | $923 | $77 |
| Fusion SE 4-Dr Sedan | $228 | $400 | $262 | $16 | $78 | $1,009 | $84 |
| Fusion Hybrid 4-Dr Sedan | $228 | $462 | $326 | $20 | $98 | $1,159 | $97 |
| Fusion SEL 4-Dr Sedan | $228 | $400 | $262 | $16 | $78 | $1,009 | $84 |
| Fusion Sport 4-Dr Sedan | $228 | $400 | $262 | $16 | $78 | $1,009 | $84 |
| Fusion SEL AWD 4-Dr Sedan | $254 | $462 | $262 | $16 | $78 | $1,097 | $91 |
| Fusion Sport AWD 4-Dr Sedan | $254 | $462 | $262 | $16 | $78 | $1,097 | $91 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion S 4-Dr Sedan | $124 | $214 | $262 | $16 | $78 | $694 | $58 |
| Fusion SE 4-Dr Sedan | $140 | $252 | $262 | $16 | $78 | $748 | $62 |
| Fusion Hybrid 4-Dr Sedan | $140 | $290 | $326 | $20 | $98 | $874 | $73 |
| Fusion SEL 4-Dr Sedan | $140 | $252 | $262 | $16 | $78 | $748 | $62 |
| Fusion Sport 4-Dr Sedan | $140 | $252 | $262 | $16 | $78 | $748 | $62 |
| Fusion SEL AWD 4-Dr Sedan | $156 | $290 | $262 | $16 | $78 | $802 | $67 |
| Fusion Sport AWD 4-Dr Sedan | $156 | $290 | $262 | $16 | $78 | $802 | $67 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Illinois minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Premium amounts do not factor in zip code location which can modify coverage prices greatly.
Based on this data, we can arrive at the conclusion that using a $250 deductible costs approximately $23 more each month or $276 each year than choosing the higher $1,000 deductible. Since you would pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to have at least 33 months between claim filings, you would come out ahead by selecting a higher deductible.
Exclusive and independent insurance agents
Many drivers would rather sit down with an agent and that can be a smart move Good insurance agents can help you choose the best coverages and will help you if you have claims. One of the benefits of comparing car insurance online is that you can obtain cheap rate quotes and still choose a local agent.
For easy comparison, once you complete this short form, the quote information gets sent to participating agents in Chicago who will give you bids and help you find cheaper coverage. There is no reason to contact any agents due to the fact that quote results will go to your email. In the event you want to get a comparison quote from a specific car insurance provider, you just need to go to their quote page and complete a quote there.
Picking an insurance company should include more criteria than just a cheap quote. Below are some questions you should ask.
- How much experience to they have in personal lines coverages?
- Are there any discounts for paying up front?
- Can glass repairs be made at your home?
- Which insurance companies are they affiliated with?
- Is assistance available after office hours?
Choose the right auto insurance agent
If you need to find a good Chicago insurance agent, there are two types of insurance agents and how they can service your needs differently. Car insurance agencies may be either exclusive or independent. Either one can insure your vehicles properly, but it’s worth mentioning how they are different because it can impact which agent you choose.
Exclusive Agents
These type of agents can only write with one company and examples are Allstate, Farmers Insurance or State Farm. They generally cannot give you multiple price quotes so keep that in mind. Exclusive insurance agents receive a lot of sales training on the products they sell which helps them compete with independent agents. Consumers sometimes choose to use a exclusive agent mostly because of loyalty to the company instead of buying on price only.
Shown below is a short list of exclusive insurance agencies in Chicago that are able to give comparison quotes.
- Greg King – State Farm Insurance Agent
5508 S Lake Park Ave – Chicago, IL 60637 – (773) 643-6200 – View Map - Kathleen McKenzie – State Farm Insurance Agent
725 W 31st St – Chicago, IL 60616 – (312) 791-1200 – View Map - Jim Tom – State Farm Insurance Agent
4317 N Lincoln Ave – Chicago, IL 60618 – (773) 477-3300 – View Map
Independent Agents
Independent insurance agents do not have single company limitations so they can quote policies with multiple insurance companies and potentially find a lower price. If premiums increase, they can switch companies in-house which makes it simple for you. If you need cheaper car insurance rates, we recommend you include rate quotes from several independent insurance agents to have the most options to choose from. Most can insure with smaller regional carriers which can save you money.
The following are Chicago independent insurance agencies who can help you get price quote information.
- W.A. George Insurance Agency
155 N Michigan Ave #300 – Chicago, IL 60601 – (312) 729-5265 – View Map - American Auto Insurance
3201 N Harlem Ave #1 – Chicago, IL 60634 – (773) 286-3500 – View Map - Great Northern Insurance Agency
5632 S Pulaski Rd – Chicago, IL 60629 – (773) 838-3900 – View Map