Finding the best cheap auto insurance for a Ford Fusion is usually pretty straightforward, but it is dependent upon a large number of rating criteria such as how you use your vehicle, your credit score, and any prior driving offenses. Drivers in California pay on average $1,907 each year for Fusion insurance, but that figure is a projection based on a 40-year-old single female driver with both comprehensive and collision coverage and $100 deductibles.
When making auto insurance estimates, the issue arises that you are not 40 and maybe not even a female, you might be married instead of single, or maybe you just want different deductibles. This demonstrates why the best way to find cheap car insurance rates for your Ford is to do a thorough rate comparison.
Your Ford’s trim level tends to have a direct effect on the coverage cost, so the rate you will pay to insure a Fusion S 4-Dr Sedan will cost $368 less than the insurance cost for the more costly Fusion Sport AWD 4-Dr Sedan version, as shown in the table below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion S 4-Dr Sedan | $366 | $776 | $574 | $34 | $172 | $1,922 | $160 |
| Fusion SE 4-Dr Sedan | $412 | $914 | $574 | $34 | $172 | $2,106 | $176 |
| Fusion Hybrid 4-Dr Sedan | $412 | $1052 | $718 | $42 | $214 | $2,438 | $203 |
| Fusion SEL 4-Dr Sedan | $412 | $914 | $574 | $34 | $172 | $2,106 | $176 |
| Fusion Sport 4-Dr Sedan | $412 | $914 | $574 | $34 | $172 | $2,106 | $176 |
| Fusion SEL AWD 4-Dr Sedan | $458 | $1052 | $574 | $34 | $172 | $2,290 | $191 |
| Fusion Sport AWD 4-Dr Sedan | $458 | $1052 | $574 | $34 | $172 | $2,290 | $191 |
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Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Rates do not factor in the specific area where the vehicle is garaged which can lower or raise price quotes significantly.
Sacramento auto insurance companies ranked
Picking the top car insurance company can be rather challenging considering how many choices drivers have in Sacramento. The information listed below can help you select which car insurance companies you want to consider comparing rates from.
These rankings are only comprised of large, nationwide insurance companies, so companies without a large exposure are not taken into consideration for the list. To view rates from these companies and more, click this link.
Top 10 Large Auto Insurers in Sacramento Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA of Southern California – 92%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
Top 10 Large Auto Insurers in Sacramento Ranked by Claims Service
- AAA of Southern California
- State Farm
- Esurance
- AAA Insurance
- Progressive
- Liberty Mutual
- GEICO
- Allstate
- Titan Insurance
- The Hartford
The example below illustrates how your choice of deductibles can raise or lower annual premium costs when searching for cheap insurance for a Ford Fusion. The rates are based on a married female driver, full physical damage coverage, and no discounts are applied.
The data above shows that a 30-year-old driver could pocket $544 a year by increasing from a $100 deductible up to a $500 deductible, or save $816 by switching to a $1,000 deductible. Young drivers, such as the 20-year-old example, could reduce their rates up to $1,154 or even more by selecting a higher deductible.
When raising deductibles, it will be required to have enough savings set aside to allow you to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.
How accidents and tickets impact rates
The easiest way to earn good auto insurance rates in California for a Fusion is to be a careful driver and avoid accidents and keep your driving record clean. The chart below illustrates how violations and at-fault collisions can raise auto insurance rates for each different age group. The premiums are based on a married male driver, comp and collision included, $100 deductibles, and no discounts are factored in.
In the chart above, the average cost of auto insurance in California per year with a clean driving record and no accidents is $2,806. Receive two speeding tickets and the average cost surges to $3,895, an increase of $1,089 each year. Now add in one accident along with the two speeding tickets and the yearly cost of auto insurance for a Ford Fusion jumps again to an average of $4,994. That’s an increase of $2,188, or $182 per month, just for a couple of infractions!
How to find the cheapest insurance for a Ford Fusion
The list below details some of the better penny-pinching solutions that can help Sacramento drivers get low-cost coverage.
- Drop full coverage on older vehicles
- Pay less by remaining claim-free
- Violations and traffic tickets increase rates
- Do not get into accidents
- Safe vehicles generally have lower rates
- Insure your home and auto with the same company
- Look for cheaper rates once a year by shopping around
The last idea is very significant, as was discussed in the article above. Rates change constantly, so don’t be afraid to buy from a different company if a better deal can be had. Having a favorite company is fine, but we do not recommend it if it’s costing you a lot of money every month. Now is a great time to compare rates to find cheaper auto insurance for a Ford Fusion in Sacramento.