It takes a few minutes, but the best way to get the cheapest Ford Fusion insurance is to start comparing rates regularly from providers in Oakland. You can shop around by completing these steps.
- Step 1: Read and learn about how insurance companies determine prices and the factors you can control to keep rates in check. Many rating criteria that are responsible for high rates such as careless driving and poor credit history can be rectified by making minor changes to your lifestyle. This article gives information to prevent high rates and find possible discounts that are available.
- Step 2: Request rate estimates from direct, independent, and exclusive agents. Direct and exclusive agents can give quotes from a single company like GEICO and Allstate, while independent agents can give you price quotes for a wide range of companies.
- Step 3: Compare the price quotes to your existing policy to see if you can save by switching companies. If you can save some money, make sure there is no lapse in coverage.
- Step 4: Provide written notification to your current company to cancel your current car insurance policy and submit a down payment along with a completed application for your new coverage. When you receive it, place your new proof of insurance paperwork in an easily accessible location.
The most important part of shopping around is that you’ll want to make sure you compare identical coverages on every price quote and and to get quotes from as many car insurance companies as possible. This enables a fair rate comparison and a complete rate analysis.
It’s a known fact that auto insurance companies don’t want you to look at other companies. Drivers who shop around once a year will most likely switch companies because there are good odds of finding a lower-priced policy. A recent car insurance study revealed that consumers who routinely compared rates saved an average of $3,400 over four years compared to other drivers who never shopped around for lower prices.
If finding the cheapest price on Ford Fusion insurance is why you’re reading this, then having an understanding of how to shop for cheaper coverage can make it easier to find better rates.
If you currently have a car insurance policy, you stand a good chance to be able to reduce premiums using the ideas you’re about to read. Finding and buying more affordable auto insurance in Oakland is not as hard as you may think. But California vehicle owners can benefit from knowing how companies calculate your policy premium because it can help you find the best coverage.
Most companies allow consumers to get coverage price quotes on the web. Obtaining pricing for Ford Fusion insurance in Oakland doesn’t take much effort as you just enter your personal and coverage information into a form. Once you submit the form, the company’s rating system pulls your credit score and driving record and generates a price based on these and other factors.
Being able to quote online for Ford Fusion insurance in Oakland makes it easy to compare insurance prices and it’s necessary to perform this step if you want to get the lowest insurance rates.
If you want to use this form to compare rates, visit the companies below or click here to submit a quote request to multiple companies at once. If you currently have coverage, we recommend you complete the form with your coverages exactly as shown on your declarations page. Doing this assures you are getting a rate comparison using the exact same coverages.
The providers in the list below can provide quotes in Oakland, CA. If you want to find the cheapest car insurance in Oakland, CA, we suggest you get prices from several of them in order to find the most competitive rates.
Get affordable rates with discounts
Some insurers don’t always list the complete list of policy discounts very clearly, so the list below details both well-publicized as well as some of the hidden discounts that you can inquire about if you buy Oakland auto insurance online.
- Multiple Policy Discount – If you can combine your homeowners and auto policy with the same insurance company they may give you a discount of 10% to 20% off each policy.
- Government Employees – Simply working for the federal government can save as much as 8% with select insurance companies.
- Driver’s Education for Students – Teen drivers should take driver’s ed class if offered at their school.
- Claim Free – Oakland drivers who stay claim-free pay much less compared to bad drivers.
- Passenger Safety Discount – Vehicles equipped with air bags or automatic seat belts may get savings of 20% or more.
- Save with a New Car – Buying a new car model can get you a discount compared to insuring an older model.
- Memberships – Being a member of a civic or occupational organization in Oakland is a simple method to lower premiums on your policy.
Policy discounts save money, but some credits don’t apply to the entire policy premium. A few only apply to the price of certain insurance coverages like comp or med pay. Even though the math looks like you could get a free insurance policy, company stockholders wouldn’t be very happy.
The chart below compares Ford Fusion insurance costs with and without discounts applied to the premium. Data assumes a male driver, no claims or driving violations, California state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, safe-driver, multi-policy, claim-free, and multi-car discounts applied.
Some of the insurance companies that may include some of the discounts shown above may include but are not limited to:
Check with all the companies which discounts you qualify for. All car insurance discounts may not apply to policies in every state. To choose insurance companies that offer many of these discounts in California, follow this link.
Rate information and statistics
The rate table below covers different insurance prices for Ford Fusion models. Having a better understanding of how rates are formulated is important for you to make informed decisions when shopping around for a new policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion S 4-Dr Sedan | $434 | $686 | $578 | $34 | $174 | $1,906 | $159 |
| Fusion SE 4-Dr Sedan | $490 | $810 | $578 | $34 | $174 | $2,086 | $174 |
| Fusion Hybrid 4-Dr Sedan | $490 | $932 | $724 | $42 | $216 | $2,404 | $200 |
| Fusion SEL 4-Dr Sedan | $490 | $810 | $578 | $34 | $174 | $2,086 | $174 |
| Fusion Sport 4-Dr Sedan | $490 | $810 | $578 | $34 | $174 | $2,086 | $174 |
| Fusion SEL AWD 4-Dr Sedan | $546 | $932 | $578 | $34 | $174 | $2,264 | $189 |
| Fusion Sport AWD 4-Dr Sedan | $546 | $932 | $578 | $34 | $174 | $2,264 | $189 |
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Price data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Premium amounts do not factor in specific location information which can influence premiums considerably.
Irresponsible driving raises your rates
The example below shows how violations and at-fault collisions can impact Ford Fusion annual premium costs for different ages of insureds. The rate quotes are based on a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no policy discounts are applied.
Informed Drivers Know How to Get Auto Insurance for Less
Lots of factors are part of the equation when quoting car insurance. Some are obvious such as your driving history, but other criteria are more transparent like where you live or your commute time. An important part of buying insurance is that you know some of the factors that are used to determine the price you pay for auto insurance. When consumers understand what controls the rates you pay, this helps enable you to make changes that could help you find lower rates.
The itemized list below are some of the most common factors companies use to determine your prices.
You may save more by bundling policies – Some insurers will award lower prices to people that have more than one policy. It’s known as a multi-policy discount. Even with this discount, it’s always a smart idea to check prices from other companies to confirm you are receiving the best rates possible.
Safer vehicles means cheaper insurance – Vehicles with high crash test scores tend to be cheaper to insure. Safer cars help reduce the chance of injuries in an accident and reduced instances of injuries means your insurance company pays less and thus lower rates.
Insurance rates in urban areas – Having an address in areas with lower population may provide you with better prices when shopping for auto insurance. Fewer drivers on the road means fewer accidents. City drivers tend to have more aggressive driving styles and higher rates of accident claims. More time commuting can result in more accidents.
High stress occupation may mean higher premiums – Did you know your career choice can influence rates? Careers such as judges, architects, and financial analysts generally pay higher premium rates attributed to high stress levels and incredibly demanding work hours. Other careers like professors, historians and retirees have the lowest average rates.
Insurance loss data for a Ford Fusion – Insurers factor in historical loss data to determine a price that will be profitable for them. Vehicles that the statistics show to have high amounts or severity of claims will have higher rates.
The table below shows the insurance loss data for Ford Fusion vehicles. For each type of coverage, the claim probability for all vehicles, regardless of manufacturer or model, is a value of 100. Values below 100 suggest a positive loss record, while values that are above 100 indicate frequent claims or larger claims.
| Specific Ford Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Ford Fusion 2WD | 110 | 95 | 108 | 116 | 111 | 105 |
| Ford Fusion 4WD | 115 | 85 | 120 | 88 | 77 | 71 |
| Ford Fusion Hybrid | 125 | 97 | 98 | 92 | 93 | 95 |
| Ford Fusion Plug-in Hybrid | 128 | 87 | 91 | 88 | 91 | 107 |
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years