Save Money on Ford Fusion Insurance in Sacramento

Insurance rates Ford Fusion in SacramentoIf your goal is the lowest price, then the best way to get affordable Ford Fusion insurance in Sacramento is to regularly compare price quotes from insurers who sell auto insurance in California. Rate comparisons can be done by completing these steps.

One key aspect when comparing rates is to try to use the same deductibles and limits on each price quote and and to look at as many companies as you can. Doing this provides a level playing field and a thorough selection of prices.

Astonishing but true according to a recent study, a large majority of drivers renewed their policy with the same company for more than four years, and approximately 40% of consumers have never compared quotes from other companies. With the average insurance premium being $1,400, Sacramento drivers could save up to 35% every year just by shopping around, but they won’t spend time to shop their coverage around.

If you are insured now or are shopping for new coverage, you will benefit by learning to shop for the lowest rates and still have adequate protection. Pricing cheaper coverage in Sacramento is not as difficult as people think. Smart buyers just need to understand the proper way to shop from many companies at once.

How to get free Ford Fusion insurance quotes online

Getting a cheaper price on insurance is not rocket science. The only requirement is to take time to compare rates from some recommended companies.

The providers in the list below are our best choices to provide comparison quotes in Sacramento, CA. If multiple companies are listed, we recommend you visit two to three different companies to get a more complete price comparison.

It may be expensive, but it’s not optional

Even though it’s not necessarily cheap to insure a Ford in Sacramento, maintaining insurance is mandatory in California but it also protects more than you think.

The benefits of insuring your car are without a doubt worth the cost, especially if you ever need it. According to a recent study, the average American driver overpays more than $700 annually so compare quotes from several companies at every renewal to make sure the price is not too high.

Ford Fusion coverage statistics

The rate information shown next outlines estimates of rate quotes for Ford Fusion models. Having a better idea how insurance policy premiums are determined is important to be able to make smart choices when purchasing an auto insurance policy.

Ford Fusion Insurance Rates in Sacramento, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $214 $386 $416 $24 $124 $1,164 $97
Fusion SE 4-Dr Sedan $242 $454 $416 $24 $124 $1,260 $105
Fusion Hybrid 4-Dr Sedan $242 $522 $520 $30 $156 $1,470 $123
Fusion SEL 4-Dr Sedan $242 $454 $416 $24 $124 $1,260 $105
Fusion Sport 4-Dr Sedan $242 $454 $416 $24 $124 $1,260 $105
Fusion SEL AWD 4-Dr Sedan $268 $522 $416 $24 $124 $1,354 $113
Fusion Sport AWD 4-Dr Sedan $268 $522 $416 $24 $124 $1,354 $113
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Table data represents married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Price information does not factor in specific location information which can influence price quotes greatly.

How careless driving impacts Sacramento insurance rates

The illustration below illustrates how violations and at-fault collisions can influence Ford Fusion insurance prices for different age groups. The prices are based on a married male driver, full coverage, $250 deductibles, and no policy discounts are applied.

Rate comparison of full coverage and liability-only

The diagram below visualizes the comparison of Ford Fusion insurance costs when comparing full coverage to liability only. The premiums assume no claims or driving violations, $100 deductibles, drivers are single, and no additional discounts are factored in.

Guidelines for dropping full coverage

There is no set rule for dropping comp and collision coverage, but there is a general guideline. If the annual cost of your full coverage insurance is more than around 10% of replacement cost minus your deductible, then you might consider buying liability only.

For example, let’s assume your Ford Fusion claim settlement value is $7,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most your company will settle for is $6,000 after paying your policy deductible. If it’s costing you more than $600 annually for full coverage, then you might want to think about dropping full coverage.

There are some cases where eliminating full coverage is not advised. If you still owe money on your vehicle, you have to carry full coverage as part of the loan requirements. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should not consider dropping full coverage.

These discounts can lower your insurance quotes

Auto insurance companies don’t always list every available discount in a way that’s easy to find, so the list below contains both well-publicized in addition to some of the lesser obvious discounts that you may qualify for.Insurance discounts

Discounts save money, but please remember that most discount credits are not given to the entire policy premium. Most only apply to the cost of specific coverages such as comp or med pay. So even though they make it sound like you would end up receiving a 100% discount, companies don’t profit that way. But all discounts should help lower the premium cost.

The information below compares Ford Fusion auto insurance rates with and without policy discounts. The rates are based on a female driver, no claims or driving citations, California state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, marriage, safe-driver, claim-free, and multi-policy discounts applied.

For a list of providers that offer some of these discounts in California, click here to view.

Don’t assume everyone needs the same insurance coverage

Keep in mind that when it comes to choosing the best insurance coverage, there isn’t really a “best” method to buy coverage. Your financial needs are unique and a cookie cutter policy won’t apply.Higher deductibles save money
These are some specific questions might help in determining if your insurance needs may require specific advice.

If you can’t answer these questions then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier It is quick, free and can help protect your family.