Compare Ford Fusion Hybrid Insurance Quotes in Stockton

Anyone knows that auto insurance companies don’t want customers comparing rates. Drivers who compare other rates are likely to switch to a new company because there is a high probability of finding a more affordable policy. Surprisingly, a recent survey revealed that consumers who faithfully checked for cheaper rates saved as much as $865 annually compared to other drivers who don’t regularly compare prices.

If finding budget-friendly rates on car insurance is the reason you’re here, then having a grasp of how to compare insurance can make it easier to find better rates.

Insurance for Ford Fusion HybridTo save the most money, the best way to find affordable quotes for Ford Fusion Hybrid insurance is to start comparing prices yearly from companies in Stockton. Price quotes can be compared by following these guidelines.

An essential thing to point out is that you’ll want to make sure you compare the same liability limits and deductibles on each price quote and and to get price estimates from as many car insurance companies as possible. Doing this helps ensure an apples-to-apples comparison and the most accurate and complete price analysis.

Finding the cheapest car insurance coverage in Stockton is actually not that difficult if you follow our advice. Just about each driver who requires lower cost car insurance should be able to find better rates. Nevertheless, California car owners must know how big insurance companies calculate your car insurance rates because rates are impacted by many factors.

When price shopping your coverage, quoting more helps locate a lower rate than you’re paying now. Not every company does online price quotes, so it’s necessary to compare price estimates from them, too.

The following companies offer price quotes in California. If multiple providers are shown, we recommend you click on several of them to get the lowest price.

Insurance coverage analysis

The coverage information displayed below covers different policy rates for Ford Fusion Hybrid models. Being aware of how insurance premiums are figured can assist in making informed decisions when comparing rate quotes.

Ford Fusion Hybrid Insurance Rates in Stockton, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion Hybrid 4-Dr Sedan $244 $534 $530 $32 $158 $1,498 $125
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Premium data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Premium amounts do not factor in the specific area where the vehicle is garaged which can raise or lower rates noticeably.

Policy deductible comparison

A question often asked by Stockton drivers is which comprehensive and collision deductibles to buy. The comparisons below may help to illustrate the price difference between low and high coverage deductibles. The first rate quote example uses a $100 physical damage deductible and the second set of prices uses a $1,000 deductible.

Ford Fusion Hybrid insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion Hybrid 4-Dr Sedan $430 $932 $552 $32 $166 $2,137 $178
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Ford Fusion Hybrid insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion Hybrid 4-Dr Sedan $238 $490 $552 $32 $166 $1,478 $123
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Premium costs do not factor in specific zip code location which can alter prices greatly.

We can estimate from the data above that using a $100 deductible would cost the average driver about $55 more each month or $660 annually than quoting the higher $1,000 deductible. Since you would pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to have at a minimum 16 months between claim filings, you would more than likely save some money going with the higher deductible.

How to determine if raising deductibles makes sense

Average monthly premium for $100 deductibles: $178
Average monthly premium for $1,000 deductibles (subtract): – $123
Monthly savings from raising deductible: $55
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $55
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 16 months

The diagram below highlights how deductible choice and can affect Ford Fusion Hybrid yearly insurance costs for different ages of insureds. The premiums are based on a married male driver, full coverage, and no other discounts are factored in.

Comparison of full coverage and liability-only policies

The information below shows the difference between Ford Fusion Hybrid insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. Data assumes no violations or claims, $1,000 deductibles, drivers are single, and no discounts are factored in.

When to buy liability coverage only

There isn’t a steadfast formula to eliminate full coverage, but there is a broad guideline. If the annual cost of your full coverage insurance is more than around 10% of the vehicle’s replacement cost less your deductible, then you might want to think about dropping full coverage.

For example, let’s assume your Ford Fusion Hybrid claim settlement value is $8,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $7,000 after the policy deductible has been paid. If you are paying in excess of $700 annually for physical damage coverage, then it may be the right time to buy liability only.

There are a few situations where dropping full coverage is not a good idea. If you still owe money on your vehicle, you have to keep full coverage as part of the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should not opt for liability only.

Why You Might Pay Lower Rates in Stockton

Many factors are part of the equation when pricing auto insurance. Some are pretty understandable such as your driving history, but other criteria are not as apparent like your continuous coverage or your financial responsibility.

The factors shown below are some of the things companies use to determine prices.

What type of vehicle do you drive? – The type of car, truck or SUV you drive makes a substantial difference in your car insurance bill. Lower performance four cylinder passenger vehicles generally receive the lowest base rates, but many other things help determine your insurance rates.

The following data is based on a single female driver age 20, full coverage with $1000 deductibles, and no discounts or violations. It compares Ford Fusion Hybrid policy rates compared to other makes and models that have a range of risk factors.

Your car’s features help determine prices – Choosing to buy a car that has a built-in theft deterrent system can help lower your rates. Theft prevention devices such as OnStar, LoJack tracking, and tamper alarms all aid in stopping your car from being stolen.

What’s your car’s crash test rating? – Vehicles with high crash test scores cost less to insure. Vehicles built for safety help reduce the chance of injuries in an accident and reduced instances of injuries translates into fewer and smaller insurance claims and more competitive rates for policyholders. If your Ford scored better than four stars on or an “acceptable” rating on it may cost less to insure.

Women tend to take less risk – Over the last 50 years, statistics have shown women tend to be less risk to insure than men. However, this does not mean men are worse drivers. They both get in at-fault accidents in similar numbers, but men tend to have more serious accidents. In addition to higher claims, males also get higher numbers of serious violations like driving under the influence (DUI). Young men ages 16 to 20 are most likely to cause an accident and therefore are the most expensive to insure.

The diagram below visualizes the comparison of Ford Fusion Hybrid insurance costs for male and female drivers. The data is based on no claims, a clean driving record, full physical damage coverage, $250 deductibles, marital status is single, and no other discounts are factored in.

Lower premiums with continuous insurance coverage – Not maintaining insurance is a misdemeanor and you will pay a penalty because you let your insurance coverage expire. In addition to paying higher premiums, being ticketed for driving with no insurance might get you a revoked license or a big fine.

Avoid traffic tickets – How you drive has a big impact on rates. Drivers who don’t get tickets pay lower auto insurance prices compared to bad drivers. Having a single moving violation can increase rates twenty percent or more. Drivers with careless violations such as reckless driving or DUI may be required to maintain a SR-22 with their state motor vehicle department in order to keep their license.

The illustration below demonstrates how speeding tickets and at-fault collisions increase Ford Fusion Hybrid premium costs for different insured age categories. The premium estimates are based on a married male driver, comp and collision included, $500 deductibles, and no discounts are applied to the premium.

Ford Fusion Hybrid insurance loss probability – Companies study historical loss data when they set coverage costs for each model. Models that statistically have higher prevalence or dollar amount of losses will have increased rates. The information below illustrates the historical loss data for Ford Fusion Hybrid vehicles.

For each coverage category, the claim probability for all vehicles, as an average, is set at 100. Values that are under 100 suggest a positive loss record, while numbers above 100 indicate higher probability of having a loss or an increased probability of a larger loss.

Car Insurance Loss Data for Ford Fusion Hybrid Models
Specific Ford Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Ford Fusion Hybrid 125 97 98 92 93 95

Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Protect your Ford Fusion Hybrid and other assets

Despite the high cost of buying insurance for a Ford Fusion Hybrid in Stockton, paying for car insurance may be mandatory for several reasons.

The benefits of carrying adequate insurance greatly outweigh the cost, especially if you ever need it. The average driver in California is overpaying over $865 each year so shop around at every policy renewal to be sure current rates are still competitive.

Best auto insurance company in California

Ending up with a good quality company can be rather challenging considering how many companies there are to choose from in Stockton. The ranking information in the lists below could help you pick which auto insurance companies to look at to insure your vehicles.

Top 10 Stockton Car Insurance Companies Ranked by Claims Service

  1. AAA of Southern California
  2. State Farm
  3. Esurance
  4. AAA Insurance
  5. Progressive
  6. Liberty Mutual
  7. GEICO
  8. Allstate
  9. Titan Insurance
  10. The Hartford

Top 10 Stockton Car Insurance Companies Ranked by Customer Service

  1. AAA of Southern California
  2. GEICO
  3. State Farm
  4. The Hartford
  5. Mercury Insurance
  6. The General
  7. Progressive
  8. Allstate
  9. AAA Insurance
  10. American Family