Really, the only way to find cheaper quotes for Ford Fiesta insurance is to start doing an annual price comparison from insurers in Fresno. Prices can be compared by following these steps.
- Step 1: Try to learn about the coverage provided by your policy and the things you can change to keep rates low. Many things that cause high rates such as traffic tickets, fender benders, and a less-than-favorable credit history can be controlled by paying attention to minor details. This article gives ideas to get low prices and earn a bigger discount.
- Step 2: Compare prices from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from a single company like GEICO and State Farm, while independent agencies can provide prices from multiple insurance companies.
- Step 3: Compare the new rate quotes to the premium of your current policy to see if a cheaper rate is available. If you find a better price, make sure coverage does not lapse between policies.
- Step 4: Tell your current agent or company to cancel your existing policy and submit the signed application along with the required initial payment to your new company or agent. Once the paperwork is finalized, safely store the proof of insurance paperwork in a readily accessible location in your vehicle.
An important note is to make sure you’re comparing the same physical damage deductibles and liability limits on every quote and and to get prices from all possible companies. Doing this guarantees a fair price comparison and a complete price analysis.
We don’t have to tell you that auto insurance companies want to keep you from comparing rates. People who shop around are likely to switch to a new company because there is a good chance of getting low-cost coverage. Surprisingly, a recent survey revealed that drivers who compared prices regularly saved over $70 a month as compared to drivers who never shopped around.
If finding the most affordable insurance is your ultimate objective, then understanding the best way to compare insurance rates can save time and make the process easier.
The quickest method to compare insurance rates in your area utilizes the fact most of the larger companies participate in online systems to give free rates quotes. The only thing you need to do is take a few minutes to give details like how many miles driven, the make and model of your vehicles, if the car is leased, and if it has an anti-theft system. That information gets transmitted to multiple car insurance providers and you receive quotes quickly.
To compare cheaper Ford Fiesta insurance rates now, click here and enter your coverage details.
The companies shown below offer quotes in Fresno, CA. In order to find cheap auto insurance in Fresno, we suggest you compare several of them in order to get a fair rate comparison.
How do Insurers Determine Ford Fiesta Insurance Prices?
Multiple criteria are taken into consideration when premium rates are determined. Some are pretty understandable like your driving record, but others are more transparent such as whether you are married or your financial responsibility. Consumers need to have an understanding of some of the things that help calculate the rates you pay for auto insurance. When consumers understand what positively or negatively impacts your premiums, this enables you to make decisions that could help you find lower rates.
Vocation and insurance premiums – Occupational choices like real estate brokers, business owners, and financial analysts have higher rates than the rest of us in part from intense work-related stress and extremely grueling work hours. Conversely, careers like scientists, historians and the unemployed get better rates.
Pay more if you have a long commute – Being located in a small town has it’s advantages when shopping for auto insurance. City drivers have congested traffic and more time behind the wheel. Fewer drivers on the road means fewer accidents.
Always keep your coverage in place – Not maintaining insurance is illegal and you may have a hard time finding new coverage because you let your insurance lapse for non-payment. In addition to paying higher rates, being ticketed for driving with no insurance may result in fines and jail time. You may have to submit proof of financial responsibility or a SR-22 with the California motor vehicle department to get your license reinstated.
Only buy coverage you need – Policies have additional extra coverages that can add up if you don’t pay attention. Add-on coverages like vanishing deductibles, death and dismemberment, and Farm Bureau memberships may be costing you every month. They may seem like a good idea when you first buy your policy, but if they’re wasting money consider taking them off your policy.
Accidents are costly – Whether or not you get tickets has a big impact on rates. Drivers who don’t get tickets get better rates compared to drivers with tickets. Getting just one citation may cause rates to rise to the point where it’s not affordable. People who have dangerous violations such as reckless driving, hit and run or driving under the influence are required to complete a SR-22 with their state’s licensing department in order to prevent a license revocation.
Car and home together may be cheaper – Most major auto insurance companies give discounts to people who buy several policies from them in the form of a multi-policy discount. Even though this discount sounds good, drivers will still want to compare other company rates to guarantee you are still saving the most. You may still be able to find lower rates by splitting coverages up.
Drive a fast car, truck or SUV and pay more – The make and model of the vehicle you are insuring makes a significant difference in your premium level. Smaller low performance passenger vehicles usually have the lowest rates, but the final cost of insurance is determined by many other factors.
With age comes responsibility – Older drivers are shown to be more cautious, tend to cause fewer accidents, and usually have better credit. Teenage drivers are known to be inattentive and easily distracted behind the wheel so auto insurance rates are higher.
Ford Fiesta statistical loss data – Auto insurance companies take into consideration historical loss data for every vehicle to calculate a rate that will offset losses. Models that the data determines to have higher number or severity of losses will cost more to insure. The table below shows the insurance loss data used by companies for Ford Fiesta vehicles.
For each type of coverage, the claim probability for all vehicles, without regard to make or model, is set at 100. Values under 100 suggest losses that are better than average, while numbers shown that are more than 100 indicate frequent claims or an increased probability of a larger loss.
| Specific Ford Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Ford Fiesta | 96 | 91 | 73 | 115 | 123 | 113 |
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Protect your Ford vehicle and other assets
Despite the high cost of buying insurance for a Ford Fiesta in Fresno, paying for auto insurance may be required and benefits you in several ways.
- Just about all states have compulsory liability insurance requirements which means the state requires a specific minimum amount of liability in order to drive the car legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you took out a loan on your Fiesta, almost all lenders will require you to have comprehensive coverage to protect their interest in the vehicle. If the policy lapses, the bank will be required to insure your Ford at a much higher rate and require you to pay for the expensive policy.
- Auto insurance preserves both your Ford Fiesta and your personal assets. Insurance will pay for most medical and hospital costs for yourself as well as anyone injured by you. Liability insurance, one of your policy coverages, will also pay attorney fees if someone files suit against you as the result of an accident. If damage is caused by hail or an accident, your auto insurance policy will pay to repair the damage minus the deductible amount.
The benefits of carrying adequate insurance greatly outweigh the cost, especially when you need to use it. But the average American driver overpays as much as $850 per year so shop around once a year at a minimum to ensure rates are inline.
Best car insurance in Fresno
Finding a highly-rated insurance company can be rather challenging considering how many companies there are in Fresno. The company information in the lists below could help you pick which car insurance providers to look at purchasing a policy from.
Top 10 Fresno Car Insurance Companies by A.M. Best Rank
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Top 10 Fresno Car Insurance Companies Ranked by Claims Service
- AAA of Southern California
- State Farm
- Esurance
- AAA Insurance
- Progressive
- Liberty Mutual
- GEICO
- Allstate
- Titan Insurance
- The Hartford