Save Money on Ford Fusion Hybrid Insurance in Sacramento

Unthinkable but true, the vast majority of auto insurance customers have remained with the same auto insurance company for a minimum of four years, and 38% of drivers have never even compared rates from other companies. California drivers can save almost $469 each year, but they don’t believe the big savings they would realize if they switched.

If saving the most money is your goal, then the best way to find cheaper quotes for auto insurance rates in Sacramento is to make a habit of regularly comparing prices from providers who sell insurance in California.

1. Get an understanding of how insurance companies determine prices and the factors you can control to keep rates down. Many rating factors that cause high rates such as at-fault accidents, careless driving, and a substandard credit history can be improved by making minor changes in your lifestyle.
2. Compare rates from direct, independent, and exclusive agents. Exclusive and direct companies can only give prices from a single company like Progressive or State Farm, while independent agents can quote rates from multiple insurance companies. Begin your rate comparison
3. Compare the new rate quotes to your current policy to see if you can save by switching companies. If you find a lower rate, make sure coverage does not lapse between policies.

A good piece of advice is to compare the same liability limits and deductibles on each quote request and and to get rates from as many companies as possible. Doing this ensures an accurate price comparison and the most accurate and complete price analysis.

Discounts mean cheaper rates for Ford Fusion Hybrid insurance in Sacramento

Insuring your vehicles can cost a lot, but you might find some hidden discounts that may help make it more affordable. Some trigger automatically when you get a quote, but lesser-known reductions have to be inquired about before they will apply. If you’re not getting every credit available, you’re just leaving money on the table.

• Defensive Driver Discounts – Completing a defensive driving course could possibly earn you a 5% discount and easily recoup the cost of the course.
• Theft Deterrent Discount – Cars optioned with advanced anti-theft systems are stolen with less frequency and will save you 10% or more on Fusion Hybrid insurance in Sacramento.
• Accident Waiver – Not really a discount, but certain companies will allow you to have one accident before hitting you with a surcharge if your claims history is clear for a certain period of time.
• Seat Belt Usage – Drivers who require all vehicle occupants to buckle up before driving may be able to save a few bucks off PIP or medical payments premium.
• New Vehicle Savings – Buying auto insurance coverage on a new vehicle can save you some money compared to insuring an older model.
• Good Student – A discount for being a good student can be rewarded with saving of up to 25%. The good student discount can last up until you turn 25.
• Low Miles Discount – Driving fewer miles could earn better premium rates on cars that stay parked.
• College Student Discount – Youth drivers who live away from home to go to college and do not have a car could qualify for this discount.
• No Claims – Sacramento drivers who stay claim-free have much lower rates as opposed to accident-prone drivers.
• Multiple Vehicles – Having more than one vehicle with the same company may reduce the rate for each vehicle.

It’s important to understand that most credits do not apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. Just because you may think it’s possible to get free car insurance, it’s just not the way it works. Any amount of discount will positively reduce your policy cost.

The example below shows the difference between Ford Fusion Hybrid premium costs with and without policy discounts. The price estimates are based on a female driver, no claims, a clean driving record, California state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, claim-free, marriage, safe-driver, and multi-car discounts applied.

To find providers that offer some of these discounts in Sacramento, click here to view.

Getting a cheaper price on insurance can be relatively painless. Just take time comparing rate quotes provided by online insurance companies.

Comparing free price quotes online is easy and it, replaces the need to call or drive to different Sacramento agent offices. The internet has reduced the need for local agents unless you’re the type of person who wants the peace of mind of a local Sacramento agent. Although you can obtain prices from the web but still have the advice of a local agent.

The providers in the list below are our best choices to provide quotes in Sacramento, CA. If multiple companies are listed, it’s highly recommended you visit several of them to find the most affordable car insurance rates.

Ford Fusion Hybrid insurance coverage information

The premium table displayed next outlines estimates of insurance prices for Ford Fusion Hybrid models. Having a better understanding of how insurance premiums are formulated can be useful when making informed decisions.

Table data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Rate quotes do not factor in the specific area where the vehicle is garaged which can lower or raise insurance rates significantly.

An analysis of deductible level

When shopping for insurance, a common question is what deductibles to buy. The comparisons below show the rate difference when you choose different policy deductibles. The first rate table uses a $250 deductible for physical damage and the second set of rates uses a $1,000 deductible.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Price estimates do not factor in vehicle location which can lower or raise premiums substantially.

Using the premium rates above, we can conclude that using a $250 deductible will cost you about $39 more each month or $468 a year averaged for all Fusion Hybrid models than requesting the higher $1,000 deductible. Because you would pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you average at least 19 months between claim filings, you would save money if you choose the higher deductible.

One big caveat is that increasing deductibles to save money means you will have to pay more out-of-pocket when you do file a claim. That will necessitate some available funds in the event you have to pay more for the deductible.

Learn How to Find Car Insurance for Less

Smart consumers have a good feel for the different types of things that play a part in calculating car insurance rates. When you know what positively or negatively influences your rates, this allows you to make good choices that may reward you with lower premium levels.

• If you don’t need it don’t buy it – Insurance policies have a lot of optional add-on coverages that sound like a good idea at the time on your car insurance policy. Coverages for replacement cost coverage, high-cost glass coverage, and Farm Bureau memberships may be wasting your money. The coverages may be enticing when talking to your agent, but if they’re wasting money eliminate the coverages to reduce your premium.
• Better rates on safer cars – Cars with five star safety ratings tend to have lower insurance rates. Highly rated vehicles result in less severe injuries and lower injury rates means your insurance company pays less and more competitive rates for policyholders. If your Ford Fusion Hybrid is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may pay a lower rate.
• Better prices with anti-theft devices – Choosing to buy a car with advanced anti-theft systems can help bring down rates. Anti-theft features like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all aid in stopping auto theft.
• Having a spouse is a bonus – Having a wife or husband helps lower the price when buying car insurance. It demonstrates that you tend to be more financially stable it has been statistically shown that married drivers tend to file fewer claims.

• Men are more aggressive – The statistics show that females take fewer risks when driving. The data does not necessarily mean that females are better at driving than males. Females and males are responsible for auto accidents in similar numbers, but guys have costlier accidents. Not only are claims higher, but men get cited for more serious violations such as reckless driving.

  The illustration below shows the comparison of Ford Fusion Hybrid insurance costs for male and female drivers. The costs are based on a clean driving record, no claims, full physical damage coverage, $1,000 deductibles, drivers are not married, and no other discounts are factored in.

• Too many policy claims and you’ll pay more – Auto insurance companies in California give discounts to drivers who do not file claims often. If you file claims often, you can look forward to either higher rates or even cancellation. Your car insurance is meant to be used in the event of claims that you cannot pay yourself.
• Rate your vehicle for proper use – The higher the mileage driven in a year’s time the more you’ll pay to insure it. Almost all companies calculate rates partially by how you use the vehicle. Vehicles that have low annual miles qualify for better rates than those used for commuting. Having an incorrect usage rating on your Fusion Hybrid is just wasting money. Make sure your car insurance policy reflects the proper vehicle usage, because it can save money.

• Ford Fusion Hybrid historical loss data – Insurers use past insurance losses in order to profitably underwrite each model. Models that statistically have higher number or severity of losses will cost more for specific coverages. The table below outlines the historical loss data for Ford Fusion Hybrid vehicles.

  For each insurance policy coverage type, the claim amount for all vehicles, regardless of manufacturer or model, is set at 100. Values below 100 suggest losses that are better than average, while values over 100 indicate higher probability of having a loss or an increased probability of a larger loss.

  
  

  Ford Fusion Hybrid Insurance Loss Statistics

  Vehicle Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Ford Fusion Hybrid	125	97	98	92	93	95

  BETTER

  AVERAGE

  WORSE

  Statistics from IIHS.org for 2013-2015 Model Years

Car insurance can be complex

When quoting and choosing coverage, there really isn’t a perfect coverage plan. Everyone’s needs are different.

These are some specific questions may help highlight if your situation could use an agent’s help.

• At what point should I drop full coverage?
• Do I need rental car coverage?
• Should I get collision insurance on every vehicle?
• Can I pay claims out-of-pocket if I buy high deductibles?
• What is the rate difference between pleasure use and commuting?
• What is the minimum liability in California?
• Is business equipment covered while in my vehicle?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. To find an agent in your area, fill out this quick form. It’s fast, free and can help protect your family.

Car insurance is available from agents near you

A lot of people would prefer to get professional advice from a licensed agent and that is recommended in a lot of cases Most agents can make sure you are properly covered and help submit paperwork. A good thing about comparing rate quotes online is the fact that you can find cheap car insurance quotes but still work with a licensed agent.

After completing this short form, your coverage information is transmitted to agents in your area who can give free rate quotes for your car insurance coverage. It’s much easier because you don’t need to leave your computer since rate quotes are delivered instantly to you. If you have a need to get a rate quote from a specific company, just jump over to their website and fill out their quote form.

Deciding on a provider is decision based upon more than just a low price. Ask your prospective agent these questions:

• Does the agent recommend any additional coverage?
• Do they write coverage based solely on cost?
• What is the financial rating for the quoted company?
• Is there a Errors and Omissions policy in force?
• Are glass claims handled on-site or do you have to take your vehicle to a repair shop?

After getting positive responses to any questions you have in addition to an acceptable price estimate, you’ve probably found an insurer that will service your policy.

Why you need quality insurance for your Ford Fusion Hybrid

Even though it can be expensive, maintaining insurance is required in California but also provides important benefits.

First, most states have compulsory liability insurance requirements which means the state requires a specific level of liability protection in order to be legal. 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.

Second, if you took out a loan on your Fusion Hybrid, almost every bank will require that you have insurance to guarantee loan repayment. If you let the policy lapse, the lender will be forced to insure your Ford at a much higher premium rate and force you to pay the higher premium.

Third, insurance safeguards both your car and your assets. It will also provide coverage for all forms of medical expenses for not only you but also any passengers injured in an accident. One policy coverage, liability insurance, also covers all legal expenses up to the policy limit in the event you are sued. If your Ford gets damaged, collision and comprehensive coverages will pay all costs to repair after the deductible has been paid.

The benefits of buying car insurance outweigh the cost, especially when you need to use it. An average driver in America overpays as much as $869 every year so we recommend shopping around once a year at a minimum to be sure current rates are still competitive.

Ratings for California car insurance companies

Buying coverage from the right car insurance company can be a challenge considering how many companies sell coverage in California. The information listed below can help you choose which auto insurers to look at putting your business with.

Top 10 Sacramento Car Insurance Companies Overall

1. USAA
2. American Family
3. AAA of Southern California
4. State Farm
5. The Hartford
6. AAA Insurance
7. GEICO
8. The General
9. Titan Insurance
10. Progressive

Top 10 Sacramento Car Insurance Companies by A.M. Best Rank

1. USAA – A++
2. Travelers – A++
3. State Farm – A++
4. GEICO – A++
5. Esurance – A+
6. Nationwide – A+
7. Allstate – A+
8. Mercury Insurance – A+
9. Progressive – A+
10. Titan Insurance – A+

One last thing to lower rates

Consumers leave their current company for a number of reasons such as questionable increases in premium, delays in responding to claim requests, poor customer service and even denial of a claim. It doesn’t matter what your reason, choosing a new company can be easy and end up saving you some money.

Discount Ford Fusion Hybrid insurance in Sacramento can be sourced online and also from your neighborhood Sacramento agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance companies don’t offer the ability to get a quote online and usually these smaller companies only sell coverage through independent agents.

We covered a lot of ways to find cheap Ford Fusion Hybrid insurance in Sacramento. It’s most important to understand that the more rate quotes you have, the better your comparison will be. You may even find the most savings is with some of the smallest insurance companies.

To read more, feel free to browse the articles below:

• Hybrid vehicles cost insurers more (Insurance Institute for Highway Safety)
• Who Has Affordable Car Insurance for College Students in Sacramento? (FAQ)
• Who Has Affordable Sacramento Auto Insurance Rates for Teenagers? (FAQ)
• How Much is Sacramento Car Insurance for a Jeep Wrangler? (FAQ)
• Who Has Affordable Auto Insurance Rates for 4×4 Vehicles in Sacramento? (FAQ)
• Who Has the Cheapest Auto Insurance Rates for a Ford Escape in Sacramento? (FAQ)
• Learn About Car Insurance (GEICO)
• All About Airbag Safety (State Farm)
• Reducing Your Risks in a Car Crash Video (iihs.org)