Best Cheap Insurance Quotes for a Ford Fusion in California

The chances of buying affordable coverage for a Ford Fusion in California depends upon an enormous amount of factors such as if you have purchased a home, whether or not you are currently insured, and any driving offenses on your record. California drivers pay an average rate of $1,530 every 12 months to insure a Ford Fusion, but that price is an approximation using cost data for a 30-year-old single male driver who needs full comprehensive and collision coverage and $500 physical damage deductibles.

When making auto insurance estimates, the issue arises that you are not 30 and possibly not even male, you might be married instead of single, and there is a good chance that other rated drivers impact the rate. Every driver has a different risk profile, so the only way to find the most affordable coverage for your Ford is to regularly compare rates at renewal.

Compare Ford Fusion Insurance Rates

The trim level of your Fusion impacts the cost of coverage, so the price to insure a Fusion S 4-Dr Sedan will be $248 lower than the cost to insure the higher-priced Fusion Sport AWD 4-Dr Sedan model, as shown in the table below.

Price data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Premium costs do not factor in specific location which can modify rates noticeably.

Locating cheap car insurance is hard enough, and deciding which companies have the best car insurance rates for a Ford Fusion will take more quotes for comparison. Every car insurance company has their own guidelines for determining prices, so let’s take a look at the car insurance companies with the overall best prices in California.

It’s a good idea to know that California car insurance rates are determined by lots of factors which can significantly increase or decrease the price you pay. Simply improving your credit, becoming a homeowner, or getting a reckless driving citation can trigger rate changes resulting in some companies being more expensive than others.

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USAA has some of the best car insurance rates in California at around $1,109 a year. Wawanesa, Century National, CSAA, and Nationwide would also be considered some of the cheaper California auto insurance companies.

In this example, if you are a policyholder with Century National and switched to USAA, you might achieve an annual savings of upwards of $105. California drivers with CSAA might save as much as $113 a year, and Nationwide insureds might realize rate reductions of up to $154 a year.

Understand that those policy rates are averaged across all types of insureds and vehicles and do not take into consideration a specific rating modification for a Ford Fusion. So the insurer that can offer you the best rate may not even be featured in the company chart above. That helps illustrate why you need to get quotes using your own specific driver and vehicle information.

The example below demonstrates how deductibles can change insurance costs when researching cheap insurance for a Ford Fusion. The data assumes a single male driver, full physical damage coverage, and no policy discounts are applied.

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As shown above, a 50-year-old driver could reduce rates by $506 a year by switching from a $100 deductible to a $500 deductible, or save $762 by selecting a $1,000 deductible. Even younger insureds, like the Age 20 chart data, could roll back prices as much as $1,674 annually by choosing larger deductibles on their policy.

When raising deductibles, it will be required to have additional funds in a savings account to cover the extra out-of-pocket expense, which deters some people from using high deductibles.

State Farm, Geico, Allstate, or Progressive: Which is best?

When researching insurance for a Fusion in California, some of the first companies to look at are State Farm, Geico, Allstate, and Progressive. Combined they insure nearly half of the entire U.S. market share. All of them offer physical damage and liability coverage, but each has a distict selection of optional coverages and features that drivers can select from. The next table compares price and claims rank as well as some different options you can expect with each one.

How to find budget-friendly car insurance for a Ford Fusion

It is possible to find better rates, and here are some of the recommended penny-pinching ideas that can help you locate the cheapest coverage.

• At-fault accidents can raise rates significantly
• Better credit scores save money
• Drive a car with a high safety rating
• Ensure your driving record is clean
• Claim-free policyholders usually earn a discount
• Shop around for lower rates once a year

The last item on the list is incredibly significant, as we discussed in the prior article. Insurance rates fluctuate constantly, so you should be ready to switch to a new company if a more affordable price is available. Brand loyalty is not necessarily bad, but it’s not a good idea if it’s costing you big bucks every year. It takes less than five minutes to compare prices and find cheaper auto insurance for a Ford Fusion.

Cheapest Ford Fusion insurance quotes

There are many different ways to compare cheaper car insurance rates in California, but the most preferred ways are using a non-exclusive or independent agent, an exlusive agent such as Auto-Owners or State Farm, or direct online or over the phone from a company like Progressive or Geico. They all have the same end result, but buyers should know the differences in how they work.

Independent agents are appointed by several companies and can provide price quotes from every one. These agents are not locked into one company and can compare multiple rates, which may give you the best chance of finding a lower price. If they find a cheaper price, your agent can switch companies and that require little work on your part.

An exlusive, or captive, agency is able to place business with a single insurance company, a couple examples are Allstate or Farmers Insurance agents. They are unable to quote prices from more than a single company, so they are skilled at selling on more than just price.

Buying car insurance direct means you skip an independent or exclusive agent and instead shop buying direct from a company like Geico or Esurance. This car insurance option can be good for families who do not have a complex risk profile and have knowledge of what specific coverages and deductibles they need.

Which method works best for finding the best cheap insurance for a Ford Fusion in California? Most people would assume that buying from a direct car insurance company results in the best prices because there isn’t an agent involved, but unfortunately, it’s not that cut and dried. And we’d like to say an independent agent saves the most money since they can provide multiple quotes, but that assumption is also not necessarily accurate. For some people, exclusive agents have coverage prices that other car insurance companies cannot touch.

Due to the fact that car insurance rates vary so much, the only true way to get the cheapest rates is to get quotes and compare the rates. The best approach is to get price quotes from all three in order to have the best selection to choose from. For a list of car insurance companies with low rates, click here to view.