Are you tired of trying to find low-cost Ford Fusion Hybrid insurance in Oakland? Finding better insurance prices for a new or used Ford Fusion Hybrid in California could be a lot of work, but you can learn these tips to find lower rates. There are more efficient ways to compare insurance rates and we’ll show you the proper way to get price quotes for a Ford and locate the cheapest rates from both online companies and Oakland agents.
Smart Consumers Can Slash Their Insurance Costs
Multiple criteria are part of the equation when premium rates are determined. Some are obvious like an MVR report, but some are less apparent such as whether you are married or your financial responsibility.
The list below includes most of the major factors car insurance companies consider when setting premiums.
Premiums are lower the older you get – Teenage drivers in California have a tendency to get distracted easily in a vehicle and because of this, their car insurance rates are much higher. Older insureds are more cautious drivers, statistically cause fewer accidents, and receive fewer citations.
The chart below assumes a single driver, full coverage with $500 deductibles, and no discounts or violations.
Urban areas may pay more – Living in smaller towns and rural areas of the country can be a good thing when shopping for auto insurance. Fewer drivers on the road means fewer accidents and a lower car theft rate. People in densely populated areas regularly have much more traffic and a longer drive to work. Longer commute distances statistically corresponds to a higher accident and claim rate.
Females pay lower prices – Over the last 30 years, statistics show that women are safer drivers than men. The data does not necessarily mean that females are better drivers. Females and males get in at-fault accidents in similar percentages, but the men have accidents that have higher claims. In addition to higher claims, males also get more serious tickets such as reckless driving.
The illustration below visualizes the comparison of Ford Fusion Hybrid auto insurance costs for male and female drivers. The data assumes no violations or accidents, comprehensive and collision coverage, $500 deductibles, single marital status, and no additional discounts are factored in.
Performance impacts costs – The make and model of the car you need insurance for makes a significant difference in your car insurance bill. Smaller low performance passenger vehicles usually have the lowest rates, but that’s not the only thing that factors into the final price.
The following data is based on a married female driver age 50, full coverage with $500 deductibles, and no discounts or violations. The data compares Ford Fusion Hybrid insurance rates compared to other vehicles that have a range of performance risks.
Your employer can affect prices – Occupations like military personnel, police officers, and accountants generally pay higher average rates attributed to high stress and incredibly demanding work hours. On the other hand, occupations such as scientists, engineers and retirees generally pay rates lower than average.
High comp and collision deductibles equal low rates – The deductibles you choose are the amount of money you are required to spend before a claim is paid by your company. Physical damage protection, also called comprehensive and collision insurance, covers damage that occurs to your car. Some coverage claims are a windshield broken by a bird, vandalism, and damage caused by road hazards. The more you’re willing to pay, the lower your rates will be.
Advanced theft deterrents – Choosing to buy a car that has a built-in theft deterrent system can get you a discount on your car insurance. Theft prevention features such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help stop your vehicle from being stolen.
Ford Fusion Hybrid insurance claim data – Auto insurance companies analyze historical claim data to help calculate premium rates. Models that historically have higher claim frequency or loss amount will have a higher premium rate. The data below shows the historical insurance loss data for Ford Fusion Hybrid vehicles.
For each insurance policy coverage type, the claim probability for all vehicles, as an average, equals 100. Values that are below 100 suggest a positive loss record, while values over 100 indicate more frequent claims or statistically larger losses.
| Specific Ford Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Ford Fusion Hybrid | 125 | 97 | 98 | 92 | 93 | 95 |
Statistics from IIHS.org for 2013-2015 Model Years
Coverage analysis
The data table shown next outlines detailed analysis of insurance premium costs for Ford Fusion Hybrid models. Having a better understanding of how prices are established can be of help when making informed decisions when comparing rate quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion Hybrid 4-Dr Sedan | $204 | $482 | $580 | $34 | $174 | $1,474 | $123 |
| Get Your Own Custom Quote Go | |||||||
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 claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Premium amounts do not factor in your specific Oakland location which can influence price quotes substantially.
The illustration below highlights how deductible selection and can affect Ford Fusion Hybrid insurance prices for different age groups. The premium estimates are based on a married male driver, full physical damage coverage, and no policy discounts are applied.
Check for these discounts on Ford Fusion Hybrid insurance in Oakland
Auto insurance companies do not advertise all discounts very well, so the following is a list of a few of the more well known and also the lesser-known discounts that may be available.
- Air Bags and Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems may earn rate discounts of 20 to 30 percent.
- No Claim Discounts – Drivers with accident-free driving histories can save substantially when compared with frequent claim filers.
- Discount for Home Ownership – Owning your own home or condo can save you money because owning a home requires personal responsibility.
- Senior Citizen Discount – Seniors may qualify for a small discount on rates.
- Anti-theft System – Vehicles that have factory anti-theft systems are stolen less frequently and can earn a small discount on your policy.
One thing to note about discounts is that most of the big mark downs will not be given to the whole policy. Most cut individual premiums such as physical damage coverage or medical payments. So even though it sounds like you would end up receiving a 100% discount, companies don’t profit that way.
The example below illustrates the comparison of Ford Fusion Hybrid premium costs with and without discounts applied to the rates. The premiums assume a male driver, no claims, a clean driving record, California state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, homeowner, multi-policy, marriage, and multi-car discounts applied.
If you would like to view insurance companies with discount rates in Oakland, click this link.
Best car insurance company in California
Finding the right insurance company can be rather challenging considering how many companies sell insurance in California. The company information listed below could help you select which insurers you want to consider purchasing coverage from.
Top 10 Oakland Car Insurance Companies Overall
- USAA
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
Top 10 Oakland Car Insurance Companies by A.M. Best Rank
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Don’t give up on cheaper rates
We’ve covered a lot of information how to lower your Ford Fusion Hybrid insurance prices in Oakland. It’s most important to understand that the more you quote Oakland car insurance, the better your chances of lowering your rates. Consumers may even find the most savings is with an unexpected company.
Insureds leave their current company for a number of reasons such as denial of a claim, being labeled a high risk driver, delays in responding to claim requests or poor customer service. Regardless of your reason, finding a great new company can be pretty painless.
Affordable Ford Fusion Hybrid insurance in Oakland can be purchased from both online companies in addition to many Oakland insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some companies may not offer online price quotes and usually these regional carriers provide coverage only through independent agencies.
Steps to buying lower priced Ford Fusion Hybrid insurance in Oakland
Really, the only way to find affordable Ford Fusion Hybrid insurance in Oakland is to compare prices at least once a year from providers that insure vehicles in California.
- Step 1: Try to comprehend how companies price auto insurance and the factors you can control to prevent expensive coverage. Many risk factors that cause high rates like speeding tickets, accidents and a poor credit rating can be improved by making small lifestyle or driving habit changes.
- Step 2: Get rate quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give prices from one company like Progressive or Allstate, while agents who are independent can quote rates from many different companies.
- Step 3: Compare the price quotes to your existing coverage to determine if you can save on Fusion Hybrid insurance in Oakland. If you find a lower rate and decide to switch, make sure coverage is continuous and does not lapse.
One thing to remember is to try to compare the same liability limits and deductibles on every price quote and and to look at as many different insurance providers as possible. Doing this ensures an apples-to-apples comparison and the best price quote selection.
Even more information is available in these articles:
- Warning systems don’t curb driver distraction (Insurance Institute for Highway Safety)
- Who Has Cheap Auto Insurance for High Risk Drivers in Oakland? (FAQ)
- Who Has Cheap Auto Insurance for Immigrants in Oakland? (FAQ)
- What Car Insurance is Cheapest for a Ford F-150 in Oakland? (FAQ)
- How Much are Oakland Car Insurance Rates for a Jeep Grand Cherokee? (FAQ)
- What Auto Insurance is Cheapest for Drivers Requiring a SR22 in Oakland? (FAQ)
- Who Has the Cheapest Oakland Auto Insurance for Safe Drivers? (FAQ)
- Distracted Driving (Insurance Information Institute)
- How do I File a Claim? (Insurance Information Institute)