Shocking but true, a large majority of auto insurance policyholders have remained with the same auto insurance company for over three years, and 38% of customers have never even compared quotes to find affordable rates. California insurance shoppers could save an average of roughly 35% each year by just comparing quotes, but they don’t want to take the time to save money by comparing rate quotes.
The most effective way to find cheaper quotes for Ford Fusion insurance is to compare prices annually from companies who sell insurance in Fresno.
- Step 1: Take a few minutes and learn about individual coverages and the things you can change to keep rates low. Many factors that cause high rates like speeding and an imperfect credit history can be eliminated by being financially responsible and driving safely. Continue reading for additional tips to prevent expensive rate increases and get additional discounts that may be available.
- Step 2: Get rate quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can give quotes from a single company like GEICO or Farmers Insurance, while agents who are independent can quote prices from multiple insurance companies.
- Step 3: Compare the new quotes to the price on your current policy and determine if cheaper Fusion coverage is available in Fresno. If you find a lower rate quote and switch companies, make sure there is no coverage gap between policies.
One thing to remember is to use the same coverage limits and deductibles on every quote and and to get prices from as many different companies as possible. This provides a level playing field and a complete rate analysis.
Cut your auto insurance rates with these seven discounts
Car insurance companies do not advertise every discount available in an easy-to-find place, so the following list contains some of the best known as well as the least known credits available to bring down your rates. If they aren’t giving you every credit available, you’re just leaving money on the table.
- Discount for Multiple Policies – If you insure your home and vehicles with one company you could earn a discount of up to 20% and get you cheaper Fusion insurance.
- Cautious Driver Discount – Insureds who avoid accidents may save up to 50% more than drivers with accidents.
- Accident Free – Good drivers with no accidents can earn big discounts as opposed to accident-prone drivers.
- Military Rewards – Being deployed with a military unit may lower your rates slightly.
- Club Memberships – Being in a civic or occupational organization in Fresno may earn a discount on your next auto insurance statement.
- Life Insurance – Not every insurance company offers life insurance, but if they do you may earn better premium rates if you take out life insurance from them.
- Drivers Education – It’s a good idea to have your young drivers participate in a local driver’s education class as it will make them better drivers and lower rates.
Keep in mind that some credits don’t apply the whole policy. Most only reduce the cost of specific coverages such as comprehensive or collision. So even though it sounds like you can get free auto insurance, insurance companies wouldn’t stay in business.
The chart below illustrates the difference between Ford Fusion auto insurance costs with and without some available policy discounts. The premiums assume a female driver, no accidents, no driving violations, California state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, marriage, safe-driver, homeowner, and claim-free discounts applied.
Larger auto insurance companies and their offered discounts are outlined below.
- Progressive has discounts for online signing, homeowner, good student, online quote discount, and multi-policy.
- MetLife has savings for defensive driver, multi-policy, good driver, claim-free, and good student.
- Mercury Insurance policyholders can earn discounts including ease of repair, age of vehicle, multi-policy, type of vehicle, location of vehicle, and good student.
- Nationwide offers discounts for multi-policy, family plan, defensive driving, anti-theft, easy pay, and good student.
- GEICO may offer discounts for seat belt use, federal employee, military active duty, driver training, air bags, and five-year accident-free.
- AAA may have discounts that include education and occupation, pay-in-full, multi-policy, good driver, and good student.
When getting a coverage quote, ask every insurance company to apply every possible discount. Some discounts might not be available to policyholders in Fresno. To choose insurance companies that can offer you the previously mentioned discounts in California, click here.
The most recommended method to get policy rate comparisons for Ford Fusion insurance in Fresno is to know the fact most of the bigger providers participate in a system to provide you with a free rate quote. All you need to do is provide a little information like whether you drive to work or school, level of coverage desired, driver details, and your occupation. That information is sent automatically to multiple car insurance providers and you receive quotes within a short period of time.
To compare cheap Ford Fusion insurance rates now, click here and see if a lower rate is available in Fresno.
The following companies offer free rate quotes in California. In order to find cheap auto insurance in Fresno, it’s a good idea that you visit two to three different companies to get a more complete price comparison.
Coverage statistics and figures
The price information shown next highlights detailed analysis of insurance rates for Ford Fusion models. Learning how premiums are formulated can be valuable when making decisions on the best policy coverages.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion S 4-Dr Sedan | $234 | $446 | $596 | $36 | $178 | $1,490 | $124 |
| Fusion SE 4-Dr Sedan | $264 | $524 | $596 | $36 | $178 | $1,598 | $133 |
| Fusion Hybrid 4-Dr Sedan | $264 | $604 | $746 | $44 | $224 | $1,882 | $157 |
| Fusion SEL 4-Dr Sedan | $264 | $524 | $596 | $36 | $178 | $1,598 | $133 |
| Fusion Sport 4-Dr Sedan | $264 | $524 | $596 | $36 | $178 | $1,598 | $133 |
| Fusion SEL AWD 4-Dr Sedan | $294 | $604 | $596 | $36 | $178 | $1,708 | $142 |
| Fusion Sport AWD 4-Dr Sedan | $294 | $604 | $596 | $36 | $178 | $1,708 | $142 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Information does not factor in Fresno location which can change price quotes substantially.
Policy deductibles
One of the more difficult decisions when buying auto insurance is how high should the deductibles for physical damage be. The rates shown below lay out the cost difference when you choose different coverage deductibles. The first pricing table uses a $250 deductible for comp and collision and the second data table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion S 4-Dr Sedan | $342 | $576 | $442 | $26 | $132 | $1,543 | $129 |
| Fusion SE 4-Dr Sedan | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| Fusion Hybrid 4-Dr Sedan | $386 | $780 | $552 | $32 | $166 | $1,941 | $162 |
| Fusion SEL 4-Dr Sedan | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| Fusion Sport 4-Dr Sedan | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| Fusion SEL AWD 4-Dr Sedan | $430 | $780 | $442 | $26 | $132 | $1,835 | $153 |
| Fusion Sport AWD 4-Dr Sedan | $430 | $780 | $442 | $26 | $132 | $1,835 | $153 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion S 4-Dr Sedan | $210 | $362 | $442 | $26 | $132 | $1,172 | $98 |
| Fusion SE 4-Dr Sedan | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Fusion Hybrid 4-Dr Sedan | $238 | $490 | $552 | $32 | $166 | $1,478 | $123 |
| Fusion SEL 4-Dr Sedan | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Fusion Sport 4-Dr Sedan | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Fusion SEL AWD 4-Dr Sedan | $266 | $490 | $442 | $26 | $132 | $1,356 | $113 |
| Fusion Sport AWD 4-Dr Sedan | $266 | $490 | $442 | $26 | $132 | $1,356 | $113 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Rate information does not factor in specific location which can modify insurance rates greatly.
We can derive from the above data that using a $250 deductible could cost the average driver approximately $37 more each month or $444 each year averaged for all Fusion models than choosing the higher $1,000 deductible. Since you would have to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average more than 20 months between claim filings, you would most likely save money if you decide on a higher deductible. Here’s a better example of how you can do this calculation yourself.
| Average monthly premium for $250 deductibles: | $146 |
| Average monthly premium for $1,000 deductibles (subtract): | – $109 |
| Monthly savings from raising deductible: | $37 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $37 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 20 months |
An important sidenote is that higher deductibles results in a higher out-of-pocket expense when you have to file a claim. That will require enough extra savings in the event you have to pay more for the deductible.
How accidents and tickets impact rates
The diagram below shows how speeding tickets and at-fault collisions can influence Ford Fusion car insurance costs for each age group. Data assumes a single female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied to the premium.
Ford Fusion insurance costs by gender and age
The information below illustrates the difference between Ford Fusion car insurance costs for male and female drivers. The information is based on no claims or driving citations, full physical damage coverage, $100 deductibles, single status, and no policy discounts are applied.
Ford Fusion liability rates compared to full coverage
The chart below visualizes the comparison of Ford Fusion insurance premiums with full physical damage coverage and with liability coverage only. The data assumes a clean driving record, no at-fault accidents, $250 deductibles, drivers are not married, and no discounts are applied to the premium.
When to drop full coverage
There is no written rule of when to phase out full coverage on your policy, but there is a guideline you can use. If the annual cost of having full coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to think about dropping full coverage.
For example, let’s pretend your Ford Fusion claim settlement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most you would receive is $4,000 after paying the physical damage deductible. If you are currently paying more than $400 a year for physical damage coverage, then it may be the right time to buy liability only.
There are some cases where eliminating full coverage is not a good idea. If you still owe money on your vehicle, you have to keep full coverage in order to prevent your loan from defaulting. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should not consider dropping full coverage.
Comparing quotes from local Fresno auto insurance agents
Some consumers would prefer to sit down and talk to an agent and that is recommended in a lot of cases Professional agents can make sure you are properly covered and help you file claims. The biggest benefit of getting online price quotes is you may find cheap insurance rates but still work with a licensed agent.
After filling out this short form, your information is immediately sent to agents in your area that can give you free Fresno car insurance quotes for your coverage. It’s much easier because you don’t need to contact any agents since rate quotes are delivered directly to you. If for some reason you want to get a price quote for a specific company, don’t hesitate to go to their quote page and fill out their quote form.
Finding the right insurance company needs to be determined by more than just the quoted price. Any agent in Fresno should be willing to answer these questions.
- Does the agency provide any after hours assistance?
- Will the company cover a rental car if your car is getting fixed?
- If you are a high risk driver, do they have special markets for your coverage?
- Does the agency support the community they serve?
- Will one accident increase rates?
When researching a reliable agent, it can be helpful to understand the different agency structures that differ in how they can insure your vehicles. Insurance agencies can be classified as either exclusive agents or independent agents. Either one can insure your vehicles properly, but we need to point out the differences since it could factor into your selection of an agent.
Exclusive Insurance Agencies
These agents can only provide one company’s prices and some examples include Farmers Insurance, Allstate, or State Farm. These agents are unable to provide prices from multiple companies so they have no alternatives for high prices. They are highly trained on sales techniques which helps overcome the inability to quote other rates. Many people buy from the same agent for years mostly because of the prominence of the brand rather than low price.
Listed below are exclusive agencies in Fresno who may provide you with comparison quotes.
- Farmers Insurance – Belen Sanchez-Ceja
2155 N Fresno St #A – Fresno, CA 93703 – (559) 252-2345 – View Map - Allstate Insurance: Frank Salvio
745 E Locust Ave Ste 109 – Fresno, CA 93720 – (559) 449-1603 – View Map - Steph Flores Peters – State Farm Insurance Agent
371 E Bullard Ave #104 – Fresno, CA 93710 – (559) 274-0600 – View Map
Independent Agents
Independent agents can quote rates with many companies and that allows them to write policies with a variety of different insurance companies and find the cheapest rate. If they find a cheaper price, the agent simply finds a different carrier and you stay with the same agent.
If you need lower rates, you should always compare prices from at a minimum one independent agency for the best price selection. Most can insure with additional companies that you may not be familiar with that may have much lower rates than larger companies.
Shown below is a short list of independent agents in Fresno willing to provide price quotes.
- New Horizon Insurance
3039 W Ashlan Ave – Fresno, CA 93726 – (559) 244-6644 – View Map - New Horizon Insurance Services- Fresno
7543 N Ingram Ave #105 – Fresno, CA 93711 – (559) 244-6644 – View Map - Covered California Fresno
4005 N Blackstone Ave #101 – Fresno, CA 93726 – (559) 222-4140 – View Map
After talking to the agent and getting good answers to all your questions and cheap Fusion insurance quotes, you may have found an auto insurance agent that can be relied on to service your policy.
What is the best auto insurance company in California?
Insuring your vehicle with a high-quality insurance provider can be rather challenging considering how many different companies sell coverage in Fresno. The company rank data in the next section may help you select which car insurance providers to look at comparing price quotes from.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Car insurance coverages for a Ford Fusion
Understanding the coverages of car insurance can help you determine the right coverages and proper limits and deductibles. Policy terminology can be ambiguous and coverage can change by endorsement.
Coverage for collisions
This coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.
Collision can pay for claims such as driving through your garage door, damaging your car on a curb, crashing into a building, hitting a parking meter and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It’s also possible to bump up the deductible on your Fusion to bring the cost down.
Auto liability insurance
This protects you from damage that occurs to people or other property in an accident. This coverage protects you from legal claims by others. It does not cover damage to your own property or vehicle.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 15/30/5 that means you have $15,000 in coverage for each person’s injuries, $30,000 for the entire accident, and $5,000 of coverage for damaged property.
Liability coverage pays for claims such as medical expenses, loss of income and funeral expenses. How much liability should you purchase? That is up to you, but buy as high a limit as you can afford. California state law requires minimum liability limits of 15/30/5 but drivers should carry more liability than the minimum.
The illustration below demonstrates why buying low liability limits may not be enough.
Uninsured and underinsured coverage
Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as damage to your Ford Fusion.
Since many California drivers have only the minimum liability required by law (which is 15/30/5), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.
Comprehensive coverages
Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, fire damage and hail damage. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.
Coverage for medical payments
Medical payments and Personal Injury Protection insurance provide coverage for expenses such as rehabilitation expenses, surgery and X-ray expenses. They can be used to fill the gap from your health insurance program or if there is no health insurance coverage. It covers both the driver and occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay
You can find cheaper coverage
We just showed you some good ideas how you can get a better price on Ford Fusion insurance in Fresno. It’s most important to understand that the more providers you compare, the better your comparison will be. Consumers could even find that the best premium rates are with a small local company.
People leave their current company for a number of reasons such as delays in paying claims, policy non-renewal, questionable increases in premium or even lack of trust in their agent. It doesn’t matter why you want to switch finding the right auto insurance provider can be pretty painless.
When shopping online for auto insurance, it’s a bad idea to buy poor coverage just to save money. There are many occasions where drivers have reduced collision coverage to discover at claim time that the savings was not a smart move. The ultimate goal is to buy enough coverage at the best possible price, but do not skimp to save money.
Additional information can be read below:
- Can I Drive Legally without Insurance? (Insurance Information Institute)
- Who Has Cheap Auto Insurance for College Graduates in Fresno? (FAQ)
- Who Has Affordable Car Insurance Rates for Drivers with Bad Credit in Fresno? (FAQ)
- Get the Right Protection (InsureUonline.org)
- Collision Coverage (Liberty Mutual)