Do you need a fast way to compare the cheapest Ford Fusion Hybrid insurance in Bakersfield? Are you irritated from not being able to scrape enough together to keep your car insured? You are in the same boat as many other drivers in California.
It’s easy to assume that auto insurance companies don’t want you shop around. People who shop around for cheaper price quotes are highly likely to buy a new policy because of the good chance of finding lower prices. A recent survey found that consumers who compared rates regularly saved as much as $72 a month compared to policyholders who don’t regularly compare prices.
If finding the cheapest rates on car insurance is your ultimate target, then learning a little about how to quote prices and compare auto insurance can help you succeed in finding affordable rates. You have so many car insurance companies to insure vehicles with, and though it is a good thing to have a choice, it can be more difficult to find the best rates for Ford Fusion Hybrid insurance in Bakersfield.
This article’s goal is to teach you a little about how to effectively get price quotes and some tricks to saving. If you are paying for car insurance now, you will surely be able to find the best rates using this strategy. Drivers only have to learn the least time-consuming way to find the lowest price on the web.
Get discounts to get affordable Bakersfield auto insurance quotes
Car insurance can cost a lot, but you might already qualify for some discounts to help bring down the price. Some discounts apply automatically when you purchase, but some need to be asked for prior to getting the savings.
- Discount for Multiple Policies – If you have multiple policies with the same insurance company you could get a discount of up to 20% and get you affordable Ford Fusion Hybrid insurance rates in Bakersfield.
- No Charge for an Accident – Not really a discount, but companies like GEICO and Allstate allow you one accident without the usual rate increase if you are claim-free before the accident.
- Theft Deterrent System – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems help deter theft and can earn a small discount on your policy.
- Low Mileage Discounts – Driving fewer miles could be rewarded with discounted prices on garaged vehicles.
- Sign Early and Save – A few companies give discounts for switching policies before your current coverage expires. You could save around 10% when you buy Bakersfield car insurance online.
As a disclaimer on discounts, most discount credits are not given to the overall cost of the policy. Most only apply to specific coverage prices like collision or personal injury protection. So despite the fact that it appears you can get free auto insurance, insurance companies wouldn’t stay in business.
The illustration below compares Ford Fusion Hybrid car insurance rates with and without discounts applied to the policy rates. The premiums are based on a female driver, no violations or accidents, 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-car, safe-driver, claim-free, multi-policy, marriage, and homeowner discounts applied.
Some of the larger companies who may offer most of these discounts include:
If you want affordable Ford Fusion Hybrid insurance quotes, ask each company or agent which discounts can lower your rates. Some discounts might not be offered in Bakersfield. If you would like to see a list of providers that offer the discounts shown above in Bakersfield, click here.
The easiest way to compare car insurance rates for Ford Fusion Hybrid insurance in Bakersfield utilizes the fact all the major auto insurance companies provide online access to provide you with a free rate quote. The one thing you need to do is spend a couple of minutes providing details including if a SR-22 is needed, how much school you completed, daily mileage, and the ages of drivers. Those rating factors is then submitted to insurance companies and you receive quotes with very little delay.
To start a quote now, click here and enter your coverage details.
The following companies are ready to provide quotes in California. If multiple companies are shown, it’s a good idea that you visit two to three different companies to get the best price comparison.
Auto insurance analysis for a Ford Fusion Hybrid
The rate table shown next showcases a range of insurance policy prices for Ford Fusion Hybrid models. Having a better idea how rates are formulated can be valuable when making smart choices when selecting a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion Hybrid 4-Dr Sedan | $374 | $764 | $564 | $34 | $168 | $1,904 | $159 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Price information does not factor in garaging location in Bakersfield which can impact prices considerably.
Can higher deductibles save money?
When buying auto insurance, a common question is which comprehensive and collision deductibles to buy. The premium rates below determine the price difference between low and high policy deductibles. The first rate comparisons uses a $250 deductible for comp and collision and the second price grid uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion Hybrid 4-Dr Sedan | $386 | $780 | $552 | $32 | $166 | $1,941 | $162 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion Hybrid 4-Dr Sedan | $314 | $630 | $552 | $32 | $166 | $1,694 | $141 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Price information does not factor in specific location which can influence coverage prices considerably.
Using the premium rates above, we can conclude that using a $250 deductible costs an average of $21 more each month or $252 a year across all Ford Fusion Hybrid models than quoting the higher $500 deductible. Due to the fact that you would have to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you usually have at a minimum 12 months between claims, you would come out ahead by selecting a higher deductible.
The example below demonstrates how deductible levels and can increase or decrease Ford Fusion Hybrid insurance costs for each age group. The price estimates are based on a married male driver, comprehensive and collision coverage, and no other discounts are factored in.
Car insurance agents are professional risk managers
Certain consumers prefer to sit down with an agent and that can be a smart move Licensed agents can help you build your policy and give you someone to call. A nice benefit of getting free rate quotes online is the fact that drivers can get cheap rate quotes but still work with a licensed agent. Buying from and supporting local insurance agents is definitely important in Bakersfield.
To make it easy to find an agent, after completing this simple form, your insurance coverage information is instantly submitted to local insurance agents in Bakersfield that can give you free Bakersfield car insurance quotes to get your business. It’s much easier because you don’t need to contact any insurance agencies as quotes are delivered instantly to you. If you want to compare prices from a specific insurance company, you would need to search and find their rate quote page and fill out the quote form the provide.
Below are agents in Bakersfield willing to provide price quotes for Ford Fusion Hybrid insurance in Bakersfield.
Farmers Insurance: Eric Peters
1519 Eye St – Bakersfield, CA 93301 – (661) 872-8113 – View Map
Tony Camarena Insurance Agency
324 Oak St – Bakersfield, CA 93304 – (661) 322-3500 – View Map
NSE Insurance Agencies, Inc.
5330 Office Center Ct # 69 – Bakersfield, CA 93309 – (661) 327-0620 – View Map
Farmers Insurance – Scott Brown
6501 Schirra Ct #100 – Bakersfield, CA 93313 – (661) 837-4100 – View Map
Choosing an insurance company is decision based upon more than just a low price. Ask your prospective agent these questions:
- How much will you save each year by using a higher deductible?
- Is there a local claims center in Bakersfield?
- Do the coverages you’re quoting properly cover your vehicle?
- How many companies do they write for?
- Does the quote include credit and driving reports?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Do they write coverage based solely on cost?
Bakersfield auto insurance companies ranked
Finding the top insurance provider can be a challenge considering how many choices there are in Bakersfield. The company rank data displayed below may help you decide which car insurance companies you want to consider buying from.
Top 10 Bakersfield Car Insurance Companies Overall
- USAA
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
Lower rates by being persistent
Cheaper car insurance in Bakersfield can be bought from both online companies and from local insurance agents, and you need to price shop both to have the best rate selection. A few companies may not provide the ability to get quotes online and most of the time these small insurance companies work with independent agents.
As you shop your coverage around, don’t be tempted to buy lower coverage limits just to save a few bucks. There are a lot of situations where an insured dropped liability limits or collision coverage and learned later that the savings was not a smart move. The aim is to buy a smart amount of coverage at the best possible price, not the least amount of coverage.
How to save on Ford Fusion Hybrid insurance in Bakersfield
The most effective way to find affordable Ford Fusion Hybrid insurance in Bakersfield is to do an annual price comparison from insurance carriers who sell insurance in California.
- Get an understanding of individual coverages and the things you can change to prevent expensive coverage. Many rating factors that cause rate increases such as traffic citations, accidents, and poor credit rating can be improved by making minor driving habit or lifestyle changes.
- Request price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can provide rates from a single company like GEICO or State Farm, while agents who are independent can provide prices for a wide range of companies. Get quotes now
- Compare the price quotes to your existing policy and determine if cheaper Fusion Hybrid coverage is available. If you can save money, make sure coverage does not lapse between policies.
The most important part of shopping around is that you use the same coverage limits and deductibles on every quote and and to get price quotes from as many different companies as possible. Doing this enables an apples-to-apples comparison and a complete price analysis.
Additional information can be read below:
- Distracted Driving Statistics (Insurance Information Institute)
- Who Has Affordable Car Insurance Rates for 4×4 Vehicles in Bakersfield? (FAQ)
- How Much are Bakersfield Auto Insurance Quotes for First-time Drivers? (FAQ)
- Coverage Information (Progressive Insurance)
- Vehicle Size and Weight FAQ (iihs.org)