Auto Insurance Quotes for a Ford Fusion in Irvine

Unbelievable but true according to a study almost 70% of insureds in California have remained with the same insurance company for a minimum of four years, and about 40% of consumers have never even compared quotes to find cheaper rates. Drivers in the U.S. could save almost $860 each year by just comparing rate quotes, but they think it’s difficult to compare other rate quotes.

If you want to save money, the best way to find better pricing on Ford Fusion insurance in Irvine is to do an annual price comparison from providers who sell auto insurance in California. Rates can be compared by following these steps.

Step 1: Get an understanding of policy coverages and the factors you can control to keep rates in check. Many rating criteria that increase rates like tickets, at-fault accidents, and a negative credit history can be eliminated by making minor changes to your lifestyle.

Step 2: Request rate estimates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give rate quotes from a single company like Progressive or Farmers Insurance, while independent agencies can quote rates for a wide range of companies.

Step 3: Compare the new rate quotes to your current policy to see if cheaper Fusion coverage is available. If you can save some money and buy the policy, ensure coverage does not lapse between policies.

Step 4: Give proper notification to your current agent or company of your decision to cancel your current car insurance policy and submit the required down payment along with the signed application to the new company. As soon as you can, put the certificate verifying coverage with your vehicle’s registration.

One important bit of advice is that you use the same level of coverage on every quote and and to get rates from as many different insurance providers as possible. Doing this ensures an accurate price comparison and a complete price analysis.

If you are already insured, you will definitely be able to reduce the price you pay using the ideas you’re about to read. Locating the best rates in Irvine is much easier if you know where to start. Nevertheless, California drivers need to learn how big insurance companies determine premium rates because rates are impacted by many factors.

Get cheaper Ford Fusion insurance rates in Irvine

Insuring your vehicles can cost a lot, but there’s a good chance there are discounts to help offset the cost. Some discounts apply automatically when you quote, but less common discounts must be asked about before they will apply.

• Defensive Driver Discount – Completing a defensive driver class could save 5% or more if your company offers it.
• Military Discounts – Having a family member in the military may lower your rates slightly.
• Drive Safe and Save – Accident-free drivers can pay as much as 50% less compared to accident prone drivers.
• Accident Forgiveness – This one is not really a discount per se, but companies like State Farm and GEICO will let one accident slide without raising rates if you have no claims for a particular time prior to the accident.
• Club Memberships – Being a member of a professional or civic organization may earn a discount on your next renewal.
• Auto/Home Discount – If you can combine your home and auto policy with the same insurance company you could get a discount of 10% to 20% off each policy.

One last thing about discounts, most discount credits are not given to the entire cost. Most only cut specific coverage prices like comprehensive or collision. So when the math indicates adding up those discounts means a free policy, nobody gets a free ride.

The diagram below shows the difference between Ford Fusion insurance costs with and without policy discounts. The premiums are based on a female driver, no driving violations, no at-fault accidents, California state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, safe-driver, marriage, multi-policy, and claim-free discounts applied.

Insurance companies that may include most of these discounts possibly include:

• GEICO
• MetLife
• State Farm
• Progressive
• Mercury Insurance
• 21st Century
• Allstate

Before buying, ask each company to give you their best rates. Depending on the company, some discounts may not be offered in every state.

When comparison shopping, there are several ways to compare rate quotes from local Irvine car insurance companies. By far the easiest way to find the cheapest Ford Fusion insurance rates is simply to get online rate quotes.

Getting rate quotes online is very simple and it replaces the need to make phone calls or go to different Irvine agent offices. The ability to quote Ford Fusion insurance online has reduced the need for local agents unless you have a need for the professional abilities of a local Irvine agent. It is possible with some companies compare the best prices online but buy from a local insurance agent.

Keep in mind that comparing more quotes gives you a better chance of getting a lower rate than you’re paying now.

The providers in the list below can provide quotes in California. In order to find the best car insurance in California, we recommend you visit two to three different companies in order to get a fair rate comparison.

Data for Ford Fusion insurance

The data table shown next covers detailed analysis of insurance coverage prices for Ford Fusion models. Learning a little about how premiums are calculated can be valuable when making smart buying decisions.

Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Table data does not factor in specific location information which can increase or decrease prices greatly.

Higher deductibles save money

When buying insurance, a common question is where should you set your physical damage deductibles. The following insurance rates highlight the premium difference between low and high insurance deductibles. The first data set uses a $100 deductible for physical damage and the second rate table uses a $1,000 deductible.

Prices above 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-vehicle, and multi-policy. Rates do not factor in the specific area where the vehicle is garaged which can affect premium rates significantly.

We can estimate from the data above that using a $100 deductible costs approximately $52 more each month or $624 every year across all Ford Fusion models than selecting the higher $1,000 deductible. Because you would be required to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you have at a minimum 17 months between claim filings, you would probably save some money by selecting a higher deductible.

An important thing to remember is that a higher deductible means you will have to pay more at claim time. You need some non-essential savings in order to pay the higher deductible.

The illustration below demonstrates how deductibles and can raise or lower Ford Fusion insurance premiums for different categories of driver ages. The information is based on a single male driver, full physical damage coverage, and no discounts are applied to the premium.

Rate comparison of male drivers versus female drivers

The information below illustrates the difference between Ford Fusion car insurance rates for male and female drivers. The data is based on no claims, a clean driving record, comp and collision included, $1,000 deductibles, single marital status, and no other discounts are factored in.

Difference between liability only and full coverage rates

The information below compares Ford Fusion car insurance costs with and without physical damage coverage. The rates are based on no claims or driving violations, $500 deductibles, marital status is single, and no policy discounts are applied.

Guidelines for dropping full coverage

There is no exact formula of when to drop physical damage coverage on your policy, but there is a general guideline. If the yearly cost of full coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s assume your Ford Fusion replacement cost is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, you would only receive $4,000 after paying your policy deductible. If premiums are more than $400 a year for comprehensive and collision coverage, then you may need to consider dropping full coverage.

There are some circumstances where buying only liability insurance is not recommended. If you have an outstanding loan on your vehicle, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should keep full coverage on your policy.

Components of Your Ford Fusion Insurance Costs

Lots of things are used in the calculation when you quote your car insurance policy. Some are obvious like an MVR report, but other criteria are less apparent such as your credit history or your vehicle rating.

Prevent your car from being stolen – Driving a car with a theft deterrent system can earn a premium discount. Anti-theft devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping vehicle theft.

Is you job costing you more? – Careers like judges, police officers, and miners have higher premiums than the average policyholder because of job stress and incredibly demanding work hours. Other occupations like professors, engineers and retirees get better rates.

Single drivers may get higher prices – Walking down the aisle may cut your premiums on your insurance bill. Marriage generally demonstrates drivers are more financially stable and insurance companies reward insureds because married drivers tend to have fewer serious accidents.

Tickets can increase prices – Whether or not you get tickets can have a huge impact on auto insurance premiums. Attentive drivers pay less for auto insurance than people who have multiple driving citations. Only having one speeding ticket can bump up the cost by as much as thirty percent. Drivers who have received flagrant violations such as hit and run, DWI or reckless driving convictions may find that they have to to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to drive a vehicle legally.

The example below highlights how speeding tickets and at-fault fender-benders impact Ford Fusion auto insurance rates for different age groups. The information is based on a single female driver, comp and collision included, $100 deductibles, and no additional discounts are factored in.

Do you really need the incidental coverages? – There are quite a few optional add-on coverages that you can get tricked into buying if you aren’t diligent. Add-on coverages like replacement cost coverage, towing, and Farm Bureau memberships are some examples. These may sound like a good investment initially, but if they’re wasting money eliminate the coverages to reduce your premium.

Drive a safer car and pay less – Safer cars are cheaper to insure. The safest vehicles have better occupant injury protection and fewer injuries means less claims paid and lower rates for you.

Insurance loss statistics a Ford Fusion – Companies use past loss statistics for each vehicle to help determine the price you pay. Models that statistically have high amounts or severity of claims will cost more for specific coverages.

The next table shows the loss history for Ford Fusion vehicles. For each policy coverage type, the claim probability for all vehicles as a whole is represented as 100. Values that are under 100 suggest losses that are better than average, while values that are above 100 indicate higher probability of having a loss or statistically larger claims.

Will just any policy work for me?

When selecting your policy, there is no single plan that fits everyone. Everyone’s situation is a little different.

For example, these questions could help you determine whether you might need professional guidance.

• What can I do if my company denied a claim?
• Should I file a claim if it’s only slightly more than my deductible?
• When can I cancel my policy?
• Is my nanny covered when driving my vehicle?
• Is my teenager covered with friends in the car?
• Are my tools covered if they get stolen from my vehicle?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Do I need PIP coverage since I have good health insurance?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form.

You may need advice from an insurance agent

A lot of people still like to get professional advice from a licensed agent and that is OK! The best thing about comparing rates online is that you can obtain better rates but also keep your business local. And providing support for neighborhood agents is still important in Irvine.

Upon completion of this quick form, your coverage information is transmitted to companies in Irvine who will give you quotes and help you find cheaper coverage. You never need to search for an agent due to the fact that quote results will go immediately to you. You’ll get the best rates and a licensed agent to work with. If you have a need to compare prices for a specific company, don’t hesitate to jump over to their website and submit a quote form there.

Types of car insurance agents in Irvine

When looking for a reputable insurance agent or broker, you must know there are a couple different agency structures and how they are distinctly different. Agents can be categorized as either independent agents or exclusive agents depending on their employer.

Independent Agents

These agents are not locked into one company and that allows them to write policies with multiple insurance companies and find you the best rates. If they find a lower price, they simply move the coverage in-house which requires no work on your part. If you are comparing car insurance prices, it’s a good idea to contact a few independent agents so that you can do a thorough price comparison.

Listed below is a small list of independent insurance agents in Irvine who may be able to give you price quote information.

View more agents

Exclusive Agents

Exclusive agents generally can only insure with one company such as AAA, Allstate, State Farm, or Farmers Insurance. Exclusive agents are unable to give you multiple price quotes so if the price isn’t competitive there isn’t much they can do. Exclusive agencies are very knowledgeable on their company’s products which aids in selling service over price.

The following is a short list of exclusive insurance agencies in Irvine who can help you get price quotes.

View more agents

Finding the right insurance agency is decision based upon more than just a low price. A good agent in Irvine will have answers to these questions.

• When do they do a full risk review?
• What discounts might you be missing?
• Does the agent have professional designations like CIC, CPCU or AIC?
• Do they specialize in personal lines auto insurance in Irvine?
• Does the company use OEM repair parts?
• Is the coverage adequate for your vehicle?
• Does the agency have a good rating with the Better Business Bureau?
• Is the agent properly licensed in California?

Car insurance is not optional

Despite the high cost of buying insurance for a Ford Fusion in Irvine, paying for car insurance serves a purpose in several ways.

First, almost all states have compulsory liability insurance requirements which means you are required to buy a minimum amount of liability protection in order to license the vehicle. 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 bought your Fusion with a loan, it’s guaranteed your bank will require that you buy insurance to protect their interest in the vehicle. If you let the policy lapse, the bank or lender will purchase a policy for your Ford at a much higher rate and require you to pay the higher price.

Third, car insurance preserves your Ford and your assets. It will also provide coverage for all forms of medical expenses incurred in an accident. Liability coverage, the one required by state law, also pays expenses related to your legal defense in the event you are sued. If you receive damage to your vehicle caused by a storm or accident, comprehensive and/or collision insurance will pay to have it repaired.

The benefits of insuring your Fusion are without a doubt worth the cost, particularly when you have a large claim. The average driver in America overpays as much as $865 each year so it’s important to compare rates each time the policy renews to make sure the price is not too high.

A little work can save a LOT of money

Lower-priced Ford Fusion insurance in Irvine is attainable on the web in addition to many Irvine insurance agents, so you need to quote Irvine auto insurance with both in order to have the best chance of saving money. A few companies do not offer online price quotes and usually these small insurance companies prefer to sell through independent agents.

Throughout this article, we presented some good ideas how to lower your Ford Fusion insurance premium rates in Irvine. The most important thing to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even find the lowest priced auto insurance comes from a company that doesn’t do a lot of advertising.

Insureds change insurance companies for a variety of reasons including poor customer service, not issuing a premium refund, unfair underwriting practices or even extreme rates for teen drivers. No matter why you want to switch, finding the right auto insurance provider can be easy and end up saving you some money.

To learn more, link through to the following helpful articles:

• Credit Impacts Car Insurance Rates (State Farm)
• How Much are Car Insurance Quotes for Drivers Under 25 in Irvine? (FAQ)
• Choosing an Insurance Company (Insurance Information Institute)
• Electronic Stability Control FAQ (iihs.org)