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.

Discount Ford Fusion Hybrid insuranceIf 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.

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.

Ford Fusion Hybrid Insurance Rates in Sacramento, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion Hybrid 4-Dr Sedan $350 $718 $568 $34 $170 $1,840 $153
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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.

Ford Fusion Hybrid insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion Hybrid 4-Dr Sedan $386 $780 $552 $32 $166 $1,941 $162
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Ford Fusion Hybrid insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion Hybrid 4-Dr Sedan $238 $490 $552 $32 $166 $1,478 $123
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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.

How to determine when to raise deductibles

Average monthly premium for $250 deductibles: $162
Average monthly premium for $1,000 deductibles (subtract): – $123
Monthly savings from raising deductible: $39
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $39
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 19 months

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.

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.

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.

Sacramento insurance agentsAfter 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:

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.

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