Buying affordable insurance for a Ford Fusion doesn’t take too much effort, but it depends on an enormous amount of factors such as annual miles driven, whether or not you garage your vehicle, and citations or violations on your driving record. California drivers pay around $1,144 annually to insure their Fusion, but that price is using a 30-year-old married male driver with both comprehensive and collision coverage and $1,000 deductibles.
There’s a high likelihood you aren’t exactly 30 years old or even a male, maybe you are single instead of married, or maybe you have a teen driver on your policy that needs to be considered. There is no one cookie-cutter policy that works for everyone, so the best method for finding the most affordable coverage for your Ford is to do the rate comparisons yourself. Do a quick rate comparison now and you will be able to compare rates from top-rated companies that sell coverage in California.
The trim level of your Fusion will have an impact the cost of coverage, so the cost to insure a Fusion S 4-Dr Sedan will be $184 less than the insurance cost for the fancier Fusion Sport AWD 4-Dr Sedan model, as shown in the chart below.
|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|
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Premium amounts do not factor in vehicle garaging location which can influence premiums substantially.
Choosing a good quality auto insurance provider can be difficult considering how many different companies there are to choose from in California. The ranking information below can help you pick which coverage providers you want to consider to insure your vehicles. These ratings only include companies with a national presence, so companies with more of a regional focus are not factored into this list.
Top 10 Major Auto Insurance Providers in Bakersfield Ranked by Value
- American Family
- The Hartford
- AAA of Southern California
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Mercury Insurance
Should you buy full coverage?
Finding cheaper insurance is probably important to the majority of vehicle owners, and a great way to buy cheap insurance for a Ford Fusion is to buy only liability coverage. The example below shows the comparison of insurance prices with liability coverage only compared to full coverage. The costs are based on no claims, a clean driving record, $100 deductibles, single marital status, and no discounts are taken into consideration.
If averaged for all ages, physical damage coverage on your policy costs an extra $3,820 per year more than buying just liability insurance. That is a large expense which might make you wonder if paying for full coverage is worth it. There is no definitive guideline that is best for determining when to drop full coverage on your policy, but there is a broad guideline. If the yearly cost of comp and collision coverage is 10% or more of replacement cost minus your deductible, then it might be time to buy liability only.
For example, let’s say your vehicle’s replacement value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $3,000 after paying your policy deductible. If premiums are more than $300 a year for your policy with full coverage, the it may be a good time to stop paying for full coverage.
There are a few situations where dropping physical damage coverage is not a good plan. If you have an outstanding loan on your vehicle, you have to maintain full coverage in order to satisfy the requirements of the loan. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should not drop full coverage.
Get discount Bakersfield car insurance
Insurers that offer cheap quotes for a Ford Fusion may provide discounts that can lower rates by 25% or more if you meet the requirements. Popular insurance companies and their offered discounts include:
- GEICO discounts include defensive driver, federal employee, driver training, seat belt use, good student, and anti-theft.
- Mercury Insurance may have discounts that include anti-theft, low natural disaster claims, professional/association, good student, and age of vehicle.
- Farmers Insurance policyholders can earn discounts including pay in full, early shopping, good student, bundle discounts, and electronic funds transfer.
- Auto-Owners Insurance has savings for multi-policy, group or association, multiple vehicles, paperless, and anti-theft.
- Liberty Mutual offers discounts including new graduate, preferred payment discount, teen driver discount, newly retired, safety features, and new vehicle discount.
- SAFECO offers discounts for teen safety rewards, homeowner, anti-lock brakes, multi-car, and anti-theft.
- Progressive may include discounts for homeowner, multi-policy, multi-vehicle, online signing, online quote discount, and good student.
- USAA offers premium reductions for military installation, safe driver, multi-policy, multi-vehicle, vehicle storage, and loyalty savings.
The chart below illustrates the comparison of yearly insurance costs with and without discounts applied to the policy premium. The price estimates are based on a male driver, no tickets, no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $500 deductibles.
The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with safe-driver, multiple policy, multiple vehicle, homeowner, accident-free, and marriage discounts applied. In this example, theamount saved on insurance for a Ford Fusion is 28% or $685.
Who has the cheapest Fusion insurance?
Bakersfield insurance rates are impacted by many factors that may substantially change the cost of coverage. Simply improving your credit, buying a different home, or getting caught speeding can trigger changes in premium resulting in some companies being more affordable than before. In addition, auto insurance companies file new California auto insurance rates as needed to reflect underwriting profits or losses. Higher than normal claim frequency or severity can cause rate hikes, while long-term profits can produce lower-cost Fusion insurance rates.
For instance, the data below shows the companies that have the cheapest car insurance in Bakersfield, CA for a 40-year-old male driver with no violations or accidents, and excellent credit. When quoting prices based on his personal profile, USAA may have the lowest car insurance rates in Bakersfield at $1,169 per year. This is $482 less than the average rate paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide round out the rest of the best Bakersfield, CA auto insurance companies.
The chart below compares rates after we give the driver from the above example an accident claim, a lower credit score, and a few traffic violations. Since every car insurance company has their own guidelines for determining prices, comparing insurance quotes could now result in a different set of companies as shown below.
Grange now has the cheapest insurance rate in Bakersfield with Mercury, Progressive, GEICO, and Allied now rounding out the top five. This shows why California drivers need to shop around with many companies when trying to get the most affordable insurance rates for a Ford Fusion.
Car insurance prices are influenced by many risk factors and can change without notice, so the most affordable company a year ago may now not even be in the top five.
Tips for buying the cheapest auto insurance for a Ford Fusion
The list below summarizes some of the better penny-pinching solutions that can help drivers locate lower-cost car insurance.
- Drive a car with a high safety rating
- You will pay more if you get tickets or have at-fault accidents
- Increase your credit score
- Raise deductibles to save money
- Older vehicles may not need full coverage
- Maintain a safe distance and avoid accidents
- Shop around for lower rates once a year
The last tip is very vital, as we noted in the prior article. Prices charged by companies in Bakersfield adjust frequently, so drivers shouldn’t be reluctant to buy a policy from a new company if a cheaper price is available. Having brand loyalty is commendable, but it’s not a great idea if that stubbornness costs you hundreds every year. If you have a few minutes, now is a great time to compare rates to find cheaper insurance for a Ford Fusion.
If you would rather have some advice when trying to find lower insurance rates for a Ford Fusion, the insurance agencies listed below can most likely help you make a decision which auto insurance policy fits you best. To find a Bakersfield insurance agent closest to you, click the link at the bottom.
Allstate Insurance: Megan Waite
4200 Easton Dr #1 – Bakersfield, CA 93309 – (661) 327-3486
Stockdale Insurance Agency Inc
1675 Chester Ave #310 – Bakersfield, CA 93301 – (661) 327-3321
Clifford and Bradford Insurance Agency
1515 20th St – Bakersfield, CA 93301 – (661) 283-8100
Allstate Insurance: Lee Hernandez
1801 21st St Ste 3 – Bakersfield, CA 93301 – (661) 327-7761