How much the car insurance & monthly payments would be on a 2011 Ford Fusion?

I would like to know cause I'm thinking about getting one. I'm 20 & never had a car before so I'm just wondering before I go to a car lot.

No, nobody here knows that. You need to get quotes from insurance agents.

Insurance rates are determined by many different factors, none of which you mentioned except your age and the car make/model. Rates depend on the insurance company, where you live, where you drive, your credit score, how many miles you drive, what discounts you qualify for, and so on. So… The best way to know what your rates would be is to simply call a number of insurance companies and ASK. It's free and there's no obligation.

Why are people so afraid to simply call insurance companies but not afraid to ask total strangers who know nothing about you?

Yes. An insurance company will know the first. It will depend on things you don't sat here.
A bank will give you costs of borrowing. A dealer loan will be much more expensive. Higher rate and lots of charges.

You will have to call a few insurance companies. There are too many variables that go into pricing.

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