The best way to get budget Ford Fusion insurance is to annually compare prices from companies who provide car insurance in Bakersfield. Price quotes can be compared by completing these steps.
- First, spend a few minutes and learn about what is in your policy and the measures you can control to prevent expensive coverage. Many rating criteria that cause rate increases like traffic violations, accidents, and an imperfect credit score can be amended by making lifestyle changes or driving safer.
- Second, quote rates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give prices from a single company like GEICO and State Farm, while agents who are independent can quote rates for many different companies. View prices
- Third, compare the new rates to the premium of your current policy and determine if cheaper Fusion coverage is available. If you find better rates and switch companies, ensure coverage does not lapse between policies.
- Fourth, tell your current company to cancel your current car insurance policy and submit the signed application along with the required initial payment to your new insurance company. As soon as you have the new policy, safely store the proof of insurance certificate with your registration paperwork.
One tip to remember is to use similar coverage information on every quote and to quote with every company you can. This guarantees a level playing field and a complete selection of prices.
It’s safe to conclude that car insurance companies don’t want their customers to go rate shopping. Consumers who shop around for a cheaper policy are very likely to move their business because there is a good chance of getting low-cost coverage. A recent survey discovered that consumers who did price comparisons regularly saved $72 a month compared to policyholders who never shopped around for lower prices.
If saving money on insurance in Bakersfield is your objective, then having a good understanding the best way to compare car insurance can help you succeed in saving money.
How to get Bakersfield Ford Fusion insurance rate quotes
Getting a low cost price on insurance is not rocket science. Consumers just need to spend a few minutes on the computer comparing rate quotes from different insurance companies.
The companies shown below provide price quotes in California. If multiple companies are shown, it’s a good idea that you visit several of them to get the lowest price.
Ford Fusion coverage statistics
The coverage table shown below covers detailed analysis of insurance rates for Ford Fusion models. Having a good grasp of how insurance rates are established can aid in making decisions when shopping around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion S 4-Dr Sedan | $294 | $564 | $500 | $30 | $150 | $1,538 | $128 |
| Fusion SE 4-Dr Sedan | $332 | $664 | $500 | $30 | $150 | $1,676 | $140 |
| Fusion Hybrid 4-Dr Sedan | $332 | $764 | $624 | $36 | $186 | $1,942 | $162 |
| Fusion SEL 4-Dr Sedan | $332 | $664 | $500 | $30 | $150 | $1,676 | $140 |
| Fusion Sport 4-Dr Sedan | $332 | $664 | $500 | $30 | $150 | $1,676 | $140 |
| Fusion SEL AWD 4-Dr Sedan | $370 | $764 | $500 | $30 | $150 | $1,814 | $151 |
| Fusion Sport AWD 4-Dr Sedan | $370 | $764 | $500 | $30 | $150 | $1,814 | $151 |
| Get Your Own Custom Quote Go | |||||||
Data variables include single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Rates do not factor in specific zip code location which can impact coverage prices noticeably.
How high should deductibles be?
The hardest decision when buying coverage is where should you set your physical damage deductibles. The comparisons below can help you understand the costs and benefits between low and high comp and collision deductibles. The first rate quote example uses a $250 deductible for comprehensive and collision coverage and the second rate chart 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 rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Premium costs do not factor in specific location information which can modify premium rates greatly.
Based on the data above, we can derive that using a $250 deductible costs an average of $37 more each month or $444 each year than quoting the higher $1,000 deductible. Since you would pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you have at least 20 months between claim filings, you would save more money if you choose the higher deductible.
The illustration below illustrates how your deductible choice and can raise or lower Ford Fusion premium costs for different insured age categories. The costs are based on a single male driver, full physical damage coverage, and no other discounts are factored in.
Discounts for cheaper auto insurance rates
Insurance can be prohibitively expensive, but you might already qualify for some discounts that can help lower your rates. Certain discounts will be applied at quote time, but lesser-known reductions have to be asked about before you will receive the discount.
- ABS Brakes – Cars, trucks, and SUVs with ABS braking systems or traction control have fewer accidents so you can save 10 percent or more.
- Professional Organizations – Belonging to a civic or occupational organization in Bakersfield could trigger savings when shopping for auto insurance.
- Home Ownership Discount – Simply owning a home may trigger a policy discount on auto insurance because it means you have a higher level of financial diligence.
- Seat Belt Usage – Drivers who require all occupants to buckle up can save a little off PIP or medical payments premium.
- Pay Now and Pay Less – If you pay your entire premium ahead of time as opposed to paying monthly you can avoid monthly service charges.
As a footnote on discounts, most of the big mark downs will not be given to the entire cost. Most only reduce specific coverage prices like medical payments or collision. Even though the math looks like adding up those discounts means a free policy, you aren’t that lucky.
The illustration below shows the difference between Ford Fusion insurance costs with and without discounts applied to the policy rates. The data assumes a male driver, no violations or accidents, California state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, marriage, multi-car, homeowner, and claim-free discounts applied.
Popular auto insurance companies and a summarized list of policyholder discounts include:
- State Farm offers discounts for multiple autos, passive restraint, student away at school, safe vehicle, anti-theft, good driver, and accident-free.
- American Family has discounts for good driver, mySafetyValet, TimeAway discount, accident-free, and bundled insurance.
- GEICO may offer discounts for good student, military active duty, five-year accident-free, daytime running lights, and driver training.
- 21st Century includes discounts for automatic seat belts, anti-lock brakes, homeowners, driver training, and air bags.
- Progressive may have discounts that include homeowner, online quote discount, continuous coverage, multi-policy, multi-vehicle, online signing, and good student.
Check with each company or agent which discounts you may be entitled to. All car insurance discounts might not be offered in your state. To see insurers that offer many of these discounts in Bakersfield, click this link.
Why you need insurance for your Ford Fusion
Despite the high insurance cost for a Ford Fusion in Bakersfield, maintaining insurance is required by state law in California and it also provides benefits you may not be aware of.
- Almost all states have compulsory liability insurance requirements which means state laws require a specific minimum amount of liability coverage if you don’t want to risk a ticket. 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.
- If you took out a loan on your vehicle, it’s most likely the lender will stipulate that you have full coverage to ensure they get paid if you total the vehicle. If you let the policy lapse, the lender will be forced to insure your Ford at an extremely high rate and force you to reimburse them for it.
- Insurance preserves not only your vehicle but also your financial assets. It also can pay for medical bills for both you and anyone you injure as the result of an accident. One policy coverage, liability insurance, also pays for attorney fees and expenses if someone files suit against you as the result of an accident. If mother nature or an accident damages your car, your insurance policy will cover the repair costs.
The benefits of insuring your Fusion more than offset the price you pay, especially when you need to use it. But the average driver in California is overpaying over $800 each year so compare rate quotes once a year at a minimum to be sure current rates are still competitive.
When to get advice from an agent
Many people still like to get advice from a local agent and doing so can bring peace of mind Licensed agents are highly skilled in risk management and help submit paperwork. One of the benefits of getting free rate quotes online is that you can obtain better rates and still have a local agent. Putting coverage with local insurance agencies is especially important in Bakersfield.
After filling out this short form, the quote information is sent to participating agents in Bakersfield who will give competitive quotes for your car insurance coverage. You won’t even need to find an agent as quotes are delivered to the email address you provide. In the event you want to compare rates from one company in particular, you just need to navigate to their website and fill out the quote form the provide.
Pick the best car insurance agent in Bakersfield for you
When researching a reputable agency, it can be helpful to understand the types of agencies and how they can service your needs differently. Car insurance policy providers may be either exclusive or independent. Either one can properly insure your vehicles, but it’s worth mentioning how they differ since it can affect the kind of agent you use.
Independent Car Insurance Agents
Agents of this type do not write with just one company and that gives them the ability to insure through many different car insurance companies and get the cheapest rates. If you are not satisfied with one company, your agent can just switch to a different company which requires no work on your part. When comparison shopping, it’s a good idea to get insurance quotes from a couple of independent agencies to ensure the widest selection of prices. Many independent agencies also insure through lesser-known insurance companies that may have much lower rates than larger companies.
Featured below is a short list of independent insurance agents in Bakersfield that may be able to give you free rate quotes.
- Crosby and Crosby Insurance Services
111 H St – Bakersfield, CA 93304 – (661) 327-5531 – View Map - William K Lyons Agency Inc
2100 F St # 200 – Bakersfield, CA 93301 – (661) 327-9731 – View Map - Paul Sheldon Insurance and Benefits Planning
5251 Office Park Dr #100 – Bakersfield, CA 93309 – (661) 398-2298 – View Map
Exclusive Car Insurance Agencies
Exclusive agents can only write with one company and examples are Allstate, State Farm and Farm Bureau. These agents are not able to give you multiple price quotes so they really need to provide good service. Exclusive agents are well trained on sales techniques which helps them compete with independent agents. Some insured continue to buy insurance from these agents mostly because of the prominence of the brand and the convenience of having all coverages with one company.
Below are exclusive insurance agents in Bakersfield that are able to give comparison quotes.
- Mike Brazzell – State Farm Insurance Agent
3721 Columbus St – Bakersfield, CA 93306 – (661) 872-7770 – View Map - Jeremy Scheidle – State Farm Insurance Agent
2017 24th St – Bakersfield, CA 93301 – (661) 861-9797 – View Map - Allstate Insurance: Megan Waite
4200 Easton Dr #1 – Bakersfield, CA 93309 – (661) 327-3486 – View Map
Deciding on an auto insurance agent requires you to look at more than just a cheap price. Agents should be asked these questions:
- How often do they review coverages?
- How long have they been in business?
- What company do they have the most business with?
- Are they paid to recommend certain coverages?
- Does the company have a solid financial rating?
- What is the agency’s Better Business Bureau rating?