Discount Ford Fusion insuranceTrying to come up with a payment for pricey auto insurance can deplete your funds and force you to make tough financial choices. Comparing rate quotes can help to cut your insurance bill.

A recent study showed that the vast majority of drivers have bought auto insurance from the same company for well over three years, and just short of a majority have never compared rates with other companies. California consumers could save roughly 35% every year just by getting comparison quotes, but they don't want to spend time to compare rate quotes online.

Many auto insurance companies compete for your insurance dollar, and it can be difficult to compare rates to find the lowest rate on Ford Fusion insurance in San Francisco.

You should make it a habit to compare premium rates quite often because auto insurance rates are variable and change quite frequently. Just because you had the lowest premium rates on Ford Fusion insurance in San Francisco a few years ago you may be paying too much now. You'll find quite a bit of inaccurate information about Fusion insurance on the web, but in a few minutes you can learn some of the best ways to quit paying high auto insurance rates in San Francisco.

If you're already insured, you should be able to buy cheaper auto insurance using these tips. Locating the most cost-effective auto insurance policy in San Francisco is much easier if you have a good place to start. Nevertheless, California consumers do need to understand how insurance companies calculate their prices and use it to find better rates.

Companies offering Ford Fusion insurance in San Francisco

The companies shown below are ready to provide free rate quotes in California. If you want cheap car insurance in California, we suggest you visit several of them to get a more complete price comparison.

Ford Fusion Insurance Costs in San Francisco, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $192 $332 $456 $26 $136 $1,142 $95
Fusion SE 4-Dr Sedan $300 $618 $574 $34 $172 $1,698 $142
Fusion Hybrid 4-Dr Sedan $378 $898 $668 $40 $200 $2,184 $182
Fusion SEL 4-Dr Sedan $370 $766 $574 $34 $172 $1,916 $160
Fusion Sport 4-Dr Sedan $332 $664 $500 $30 $150 $1,676 $140
Fusion SEL AWD 4-Dr Sedan $258 $482 $450 $26 $134 $1,350 $113
Fusion Sport AWD 4-Dr Sedan $370 $764 $464 $28 $138 $1,764 $147
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Premium data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Table data does not factor in specific location which can revise rates considerably.

Can higher deductibles save money?

When shopping for car insurance, a common question is the level to set your comp and collision deductibles. The rates below may help to conceptualize the differences in premium rates when you buy lower versus higher comp and collision deductibles. The first rate quote example uses a $250 physical damage coverage deductible and the second pricing table uses a $1,000 deductible.

Ford Fusion insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $342 $576 $442 $26 $132 $1,543 $129
Fusion SE 4-Dr Sedan $386 $678 $442 $26 $132 $1,689 $141
Fusion Hybrid 4-Dr Sedan $386 $780 $552 $32 $166 $1,941 $162
Fusion SEL 4-Dr Sedan $386 $678 $442 $26 $132 $1,689 $141
Fusion Sport 4-Dr Sedan $386 $678 $442 $26 $132 $1,689 $141
Fusion SEL AWD 4-Dr Sedan $430 $780 $442 $26 $132 $1,835 $153
Fusion Sport AWD 4-Dr Sedan $430 $780 $442 $26 $132 $1,835 $153
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Ford Fusion insurance rates with $1,000 deductibles
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, and California minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Prices do not factor in specific San Francisco garaging location which can affect prices significantly.

Based on this data, using a $250 deductible costs roughly $37 more each month or $444 annually than choosing the higher $1,000 deductible. Since you would pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you have more than 20 months between claim filings, you would probably be better off if you choose the higher deductible. Here's a better example of how you can do this calculation yourself.

Average monthly premium for $250 deductibles: $146
Average monthly premium for $1,000 deductibles (subtract): - $109
Monthly savings from raising deductible: $37
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $37
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 20 months

One important issue to know is that a higher deductible level results in having to pay to pay more out-of-pocket if you have a claim. You need to make sure you have some extra funds in the event you have to pay the higher deductible in order to repair your vehicle.

Higher deductibles save money

The diagram below highlights how deductible selection and can affect Ford Fusion yearly insurance costs for different categories of driver ages. The prices are based on a single female driver, full coverage, and no policy discounts are applied.

Full coverage or liability only

The illustration below examines Ford Fusion car insurance costs with liability coverage only compared to full coverage. The costs are based on no accidents, no driving violations, $500 deductibles, single female driver, and no discounts are applied.

When to stop buying full coverage

There is no exact rule for phasing out full coverage on your policy, but there is a general guideline you can use. If the yearly cost for physical damage coverage is about 10% or more of the settlement you would receive from your company, then it may be the right time to buy liability only.

For example, let's pretend your Ford Fusion replacement value is $3,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would receive is $2,000 after paying the physical damage deductible. If it's costing you more than $200 a year to have full coverage, then you might want to consider buying only liability coverage.

There are some conditions where removing full coverage is not a good idea. If you haven't satisfied your loan, you are required to maintain full coverage as part of the loan conditions. Also, if you can't afford to buy a different vehicle if your current one is damaged, you should not remove full coverage.

These six discounts can lower your car insurance rates

Some companies do not advertise all their discounts very well, so here is a list a few of the more well known and also the lesser-known credits that may apply to you. If you aren't receiving every discount available, it's possible you qualify for a lower rate.

Discounts reduce rates, but you should keep in mind that most credits do not apply to the entire policy premium. Most only cut the cost of specific coverages such as medical payments or collision. Just because you may think all those discounts means the company will pay you, insurance companies wouldn't stay in business.

Large car insurance companies and their offered discounts are:

If you are trying to find affordable San Francisco auto insurance quotes, ask each company or agent which discounts you may be entitled to. Some of the discounts discussed earlier might not be offered on policies in San Francisco. If you would like to choose from a list of car insurance companies with the best Ford Fusion insurance discounts in California, click here.

Are car insurance agents of importance?

A small number of people prefer to talk to an insurance agent and that is not a bad decision One of the great benefits of comparing insurance prices online is that you can obtain the lowest rates but still work with a licensed agent. And buying from local agencies is important particularly in San Francisco.

To make it easy to find an agent, after completing this form (opens in new window), your coverage information is emailed to insurance agents in San Francisco who will give you quotes to get your business. It makes it easy because there is no need to search for an agent since price quotes are sent to your email. You can find lower rates and a licensed agent to work with. In the event you want to get a comparison quote from a specific company, you can always navigate to their website to submit a rate quote request.

Different types of San Francisco car insurance agents

If you are wanting to purchase car insurance from a good San Francisco insurance agent, there are a couple of different types of agencies and how they can service your needs differently. Insurance agencies in San Francisco are either independent agents or exclusive agents depending on their employer.

Independent Car Insurance Agents

Independent insurance agents do not have single company limitations so as a result can place your coverage with a variety of different insurance companies and help determine which has the cheapest rates. If they quote lower rates, they simply move your policy to a different company which makes it simple for you. If you are comparing car insurance prices, you absolutely need to get rate quotes from multiple independent agents to have the best price comparison.

Featured below is a short list of independent agencies in San Francisco that may be able to give price quote information.

Flood Building, 870 Market St #740 - San Francisco, CA 94102 - (415) 951-0738 - View Map

1714 Stockton St #417 - San Francisco, CA 94133 - (415) 753-1936 - View Map

388 Market St #800 - San Francisco, CA 94111 - (415) 436-9800 - View Map

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Exclusive Car Insurance Agents

Exclusive agents can only provide one company's prices and some examples include Allstate, Farmers Insurance, State Farm, and AAA. Exclusive agents cannot shop your coverage around so they are skilled at selling on more than just price. Exclusive insurance agents are well schooled on their company's products which helps them sell insurance even at higher premiums.

Listed below is a list of exclusive agents in San Francisco willing to provide rate quotes.

Cliff Young - State Farm Insurance Agent
1636 Irving St a - San Francisco, CA 94122 - (415) 665-5118 - View Map

655 14th St - San Francisco, CA 94114 - (415) 552-6200 - View Map

386 29th St - San Francisco, CA 94131 - (415) 285-4800 - View Map

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Finding a good insurance agent is decision based upon more than just the bottom line cost. Any agent in San Francisco should be forthright in answering these questions:

Coverages available on your policy

Understanding the coverages of auto insurance can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Shown next are the normal coverages offered by auto insurance companies.

Liability car insurance

This provides protection from damage or injury you incur to other people or property by causing an accident. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 15/30/5 which means a $15,000 limit per person for injuries, a per accident bodily injury limit of $30,000, and property damage coverage for $5,000. Another option is a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for claims like repair costs for stationary objects, funeral expenses, loss of income, emergency aid and court costs. The amount of liability coverage you purchase is a personal decision, but you should buy as large an amount as possible. California requires drivers to carry at least 15/30/5 but drivers should carry more coverage.

Coverage for uninsured or underinsured drivers

This provides protection when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and also any damage incurred to your Ford Fusion.

Because many people have only the minimum liability required by law (California limits are 15/30/5), it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Normally these limits are identical to your policy's liability coverage.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like rolling your car, colliding with a tree and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. You can also bump up the deductible on your Fusion to save money on collision insurance.

Coverage for medical expenses

Med pay and PIP coverage reimburse you for short-term medical expenses such as nursing services, hospital visits and EMT expenses. They are utilized in addition to your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible

Comprehensive auto insurance

This coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as fire damage, rock chips in glass, a broken windshield and hitting a deer. The highest amount you'll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Quote often and quote early

There are still a few companies who may not have the ability to get quotes online and most of the time these small insurance companies work with independent insurance agents. Cheap Ford Fusion insurance in San Francisco is attainable online as well as from insurance agents, and you should compare price quotes from both so you have a total pricing picture.

While you're price shopping online, never buy poor coverage just to save money. There are a lot of situations where consumers will sacrifice physical damage coverage only to regret that the small savings ended up costing them much more. The goal is to get the best coverage possible at the best cost, but do not skimp to save money.

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