The Ford Fusion is ranked sixth in Good Car Bad Car’s “Top 25 Best-Selling Cars In America, 2015,” with 300,170 units sold. The latest Fusion model offers a variety of options for drivers, with notable features such as:
- User-friendly center control panel
- Backup camera
- Standard alloy wheels
- Hybrid and plug-in hybrid options
- Front- or all-wheel drive options
The Ford Fusion is the victim of its own popularity. Ranked number 9 of 18 in the midsize car category in 2016 by U.S. News & World Report, it was also the third most stolen vehicle in 2014.
Naturally, frequently stolen car models are more expensive to insure, but there are some ways you may be able to get lower premiums on Fusion insurance.
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The Ford Fusion and Auto Theft
A vehicle is stolen every 46 seconds in the U.S. The Ford Fusion was ranked third among the National Insurance Crime Bureau’s “Top 10 Most Frequently Stolen Vehicles” in 2014, and it appears that whole cars and Fusion parts are in high demand.
While the entire car was stolen 819 times in 2014, there were many cases in which only the parts were taken.
Fusion’s wheels, tires, and rims are hot commodities in the “hot goods” market. They are attractive, easy to attach to other vehicles, and very valuable. One reviewer found the value of the tires on a 2014 Fusion Titanium test car—after they were stolen—to be $4,312.
Cars are stolen for a lot of reasons, including:
- The value of the parts is greater than the whole. Vehicles are taken to chop shops and split up into parts for sale.
- The overseas market is huge. Car thieves make big money when they ship stolen vehicles overseas.
- Stealing cars is fun (or something). Your car could be stolen by a teenager who wants to take it for a joyride. Stolen cars are also often used as getaway vehicles for other crimes.
- Watch out when you buy used. Thieves often attempt to resell stolen vehicles as legitimate used cars, with the new owner oblivious to the car’s history.
Fusion owners may get a great car, but it comes with the baggage that comes with being on a “most stolen” list. Theft statistics increase the premium for the comprehensive part of your auto insurance policy.
Some people forgo comprehensive coverage in order to save money, but keeping comprehensive coverage on a “most stolen” car is a good idea, even if you have an older model. A Trusted Choice® agent can help you determine whether you need comprehensive coverage.
How can you prevent a car thief from targeting your vehicle? First, if you have a garage, use it for your car. And consider these other deterrents:
- Always lock your car and take your keys.
- Lock valuables in the trunk or take them with you.
- Purchase a vehicle with a kill switch, smart key, or fuel cut-off device (or add one aftermarket).
- Be sure your vehicle has no exposed wiring that can be cut to deactivate the alarm system.
- Don’t display what type of alarm you have. Thieves know how to disable almost all of them.
- Never leave your car running while it is unattended.
- Try to park in safe, well-lit areas with a lot of foot and vehicle traffic.
How Safe Is It to Drive a Ford Fusion?
The 2016 Ford Fusion earned a five-star safety rating from the National Highway Traffic Safety Administration. It boasts a variety of safety features that helped it earn these high marks.
Here are just a few:
- Driver, passenger, side, and rear airbags
- Anti-lock brakes
- Electronic stability control
- Child safety locks
- Rollover protection system and traction control
- Blind spot monitor and lane departure warning
The 2016 Ford Fusion also earned high ratings from the Insurance Institute for Highway Safety (IIHS), and Ford vehicles in general are considered to be safe. The Focus earned a “Top Safety Pick” rating from the Institute, while eight other Ford models received a score of 9 or better (out of 10) from U.S. News and World Report.
If you are looking for a safe used car for a teen driver, a Ford Fusion is a great option. In fact, the IIHS named model year 2010 and newer Fusions on its list of “best choice midsize cars” for teen drivers.
Can safety features and rankings help lower your insurance rates? A car’s safety rating is based on how likely it is to be in an accident and how likely it is that a passenger will be injured.
High safety ratings mean that the insurance company is less likely to have to pay for medical bills for injured passengers or drivers. What’s more, safety features like airbags and automatic seatbelts may help you qualify for discounts from your insurance company.
Another factor: Some insurance companies charge more for liability insurance if you have a car that is considered to be more dangerous to other cars on the road. And there are other variables as well, including:
- The value of the car
- Repair costs
- Typical drivers of the type of car (e.g., racecar drivers vs. soccer moms)
What Are the Costs of Owning a Ford Fusion?
The estimated five-year cost of ownership for a Ford Fusion is $29,000. Costs include the initial cash price plus depreciation, taxes and fees, financing, gas, insurance, maintenance, and repairs.
Where do insurance costs fit in? While insurance rates vary based on age, driving history, and how many miles you drive in a year, the estimated average cost to insure a Ford Fusion is about $1,500 per year.
Are the costs of owning a hybrid Ford Fusion any different from the gas-powered model? The Ford Fusion Energi hybrid certainly has financial benefits, including 21 miles on a charge (combined with a gas engine backup that will let you go 620 miles before refueling).
Other benefits of owning a hybrid include:
- Lower fuel costs
- Tax incentives
- Developing more frugal driving habits
- High resale value
So what’s the bottom line for a hybrid Ford Fusion? The Cars.com five-year total cost of ownership for a 2016 Ford Fusion Energi hybrid is $33,898. Although you save on fuel costs, your insurance costs may be more.
Alternative-fuel vehicles are considered to be more expensive to repair and replace than their gas-powered counterparts, and they are more likely to get into accidents involving bikes and pedestrians. Because they tend to be smaller, hybrids often sustain more damage in accidents.
Other factors that will impact your insurance rates include:
- Driving record
- How much you drive
- Location of the vehicle
- Age and gender
- Credit history
- Types of coverage, limits and deductibles
When you own a high-theft vehicle like the Fusion, you need to keep safety features top-of-mind. Car alarms and other anti-theft features can help you lower your rates or make you eligible for certain discounts from your car insurance company.
Where to Find Insurance for Your Ford Fusion
The Ford Fusion can be a great choice for many drivers. It is easy to find quality insurance for your Ford Fusion with the help of an independent agent.
Independent agents are local insurance advisors who understand your needs, and who can provide you with a variety of quotes from numerous reputable insurance companies. With multiple quotes, you can compare coverage offers and costs, and choose the option that best meets your needs and budget.
Contact a local agent today to learn more about Ford Fusion insurance.