It's shocking but a large majority of drivers kept their coverage with the same auto insurance company for at least the last four years, and nearly 40% of drivers have never taken the time to shop around. Many consumers in Chula Vista could save themselves approximately $469 a year just by comparing rates, but they just assume it takes a lot of time to compare rate quotes.
If you want to find the absolute lowest rates, then the best way to get low-cost car insurance rates is to begin comparing prices regularly from insurers in Chula Vista.
Step 1: Take a little time to learn about individual coverages and the changes you can make to prevent expensive coverage. Many risk factors that are responsible for high rates like careless driving and an unacceptable credit score can be controlled by making small lifestyle or driving habit changes.
Step 2: Compare price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can give quotes from one company like Progressive or Farmers Insurance, while agents who are independent can give you price quotes from multiple insurance companies.
Step 3: Compare the new rates to your existing policy to determine if you can save on Fusion insurance. If you find a lower rate quote and make a switch, ensure coverage does not lapse between policies.
Step 4: Notify your current company of your intention to cancel your current coverage and submit payment and a completed application to your new agent or company. Immediately upon receiving it, safely store the proof of insurance paperwork in your glove compartment.
The key aspect of shopping around is to use identical coverage information on every price quote and and to get prices from as many car insurance companies as possible. This helps ensure a fair rate comparison and plenty of rates choose from.
If you are already insured or just want cheaper rates, you will benefit by learning to shop for the lowest rates without having to cut coverage. Locating the best rates in Chula Vista is actually not that difficult if you follow our advice. Shoppers only need an understanding of the fastest way to compare price quotes online.
The companies shown below provide price quotes in California. If you want to find cheaper car insurance in CA, it's highly recommended you visit two to three different companies to get the most affordable price.
Rates and data analysis
The information shown below highlights detailed analysis of coverage costs for Ford Fusion models. Being able to understand how insurance policy premiums are determined helps drivers make decisions when shopping your coverage around.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Fusion S 4-Dr Sedan||$238||$478||$500||$30||$150||$1,396||$116|
|Fusion SE 4-Dr Sedan||$270||$564||$500||$30||$150||$1,514||$126|
|Fusion Hybrid 4-Dr Sedan||$270||$648||$624||$36||$186||$1,764||$147|
|Fusion SEL 4-Dr Sedan||$270||$564||$500||$30||$150||$1,514||$126|
|Fusion Sport 4-Dr Sedan||$270||$564||$500||$30||$150||$1,514||$126|
|Fusion SEL AWD 4-Dr Sedan||$300||$648||$500||$30||$150||$1,628||$136|
|Fusion Sport AWD 4-Dr Sedan||$300||$648||$500||$30||$150||$1,628||$136|
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Table data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Rate information does not factor in garaging location in Chula Vista which can impact coverage rates significantly.
The chart below highlights how deductible choice and can raise or lower Ford Fusion insurance costs for different categories of driver ages. The rates are based on a single female driver, comprehensive and collision coverage, and no other discounts are factored in.
Liability only or full coverage
The diagram below visualizes the comparison of Ford Fusion insurance costs when comparing full coverage to liability only. The prices are based on no violations or accidents, $500 deductibles, single marital status, and no additional discounts are factored in.
When to buy liability coverage only
There is no exact formula for excluding comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the yearly cost for physical damage coverage is more than 10% of the settlement you would receive from your company, then you might want to consider buying only liability coverage.
For example, let's say your Ford Fusion book value is $6,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company would pay you is $5,000 after paying your deductible. If it's costing you more than $500 annually for full coverage, then it may be the right time to buy liability only.
There are some conditions where removing full coverage is not a good plan. If you still have a lienholder on your title, you have to keep full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should keep full coverage on your policy.
How to Lower Your Insurance Rates
Many different elements are used when pricing auto insurance. A few of the factors are predictable like an MVR report, but others are not as apparent such as whether you are married or how safe your car is.
The factors shown below are a few of the "ingredients" used by insurance companies to determine your prices.
Rates increase with driving citations - Just one driving citation could increase your next policy renewal twenty percent or more. Drivers who don't get tickets have lower premiums as compared to careless drivers. People who have serious violations like reckless driving or DUI may face state-mandated requirements to submit a SR-22 form with their state DMV in order to prevent a license revocation.
The diagram below demonstrates how speeding tickets and fender-benders can drive up Ford Fusion insurance prices for different categories of driver ages. The premium estimates are based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no other discounts are factored in.
Teen drivers pay more - Beginning drivers in California have a tendency to get distracted easily when driving with friends so insurance rates are higher. Parents adding a teenage driver to your policy can increase premiums substantially. Older insureds are more cautious drivers, tend to cause fewer accidents, and are safer drivers.
The following data is based on a single driver, full coverage with $1000 deductibles, and no discounts or violations.
Low coverage deductibles mean high premiums - Insurance for physical damage, also called comprehensive and collision insurance, protects your Ford from damage. Some instances where coverage would apply are a broken side mirror, damage caused by hail, and burglary. The deductibles you choose define the amount you are willing to pay if a covered claim is submitted. The more money you're willing to pay, the lower your rates will be.
Rural areas have lower prices - Residing in a small town has it's advantages when insuring your vehicles. Fewer people corresponds to lower accident rates and a lower car theft rate. Residents of big cities have to deal with more aggressive driving styles and longer commute times. More time commuting means a statistically higher chance of an accident.
The type of car makes a difference - The make and model of the car you need to insure makes a big difference in your car insurance bill. The cheapest rates will normally be found when insuring economy passenger cars, but there are many factors that impact the final cost.
The following data assumes a married male driver age 20, full coverage with $1000 deductibles, and no discounts or violations. It illustrates Ford Fusion rates compared to other models that have a range of performance risks.
How much liability insurance - Liability coverage provides coverage if ever you are determined to be liable for personal injury or accident damage. It will provide legal defense to attempt to prove you were not liable. Carrying liability coverage is mandatory and cheap when compared to the cost of physical damage coverage, so buy as much as you can afford.
Gender is a factor - Statistics show women tend to be less risk to insure than men. However, this does not mean women are BETTER drivers than men. Men and women tend to get into at-fault accidents in similar percentages, but the men get into accidents with more damage. Men also statistically get ticketed for serious violations such as driving while intoxicated (DWI) or driving recklessly.
The diagram below illustrates the difference between Ford Fusion premium costs for male and female drivers. The premiums are based on no claims, a clean driving record, full coverage, $100 deductibles, marital status is single, and no discounts are factored in.
Insurance loss probability for a Ford Fusion - Car insurance companies analyze claim trends for every vehicle when they file their rates in each state. Models that historically have higher prevalence or dollar amount of losses will cost more to insure.
The table below demonstrates the compiled insurance loss statistics for Ford Fusion vehicles. For each type of coverage, the statistical loss for all vehicles as a whole is represented as 100. Numbers that are below 100 suggest a better than average loss history, while numbers that are greater than 100 indicate frequent claims or statistically larger losses.
|Vehicle 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|
Statistics from IIHS.org for 2013-2015 Model Years
Buying the right vehicle insurance in California is an important decision
Despite the potentially high cost of Ford Fusion insurance, insurance serves an important purpose.
First, just about all states have mandatory liability insurance requirements which means the state requires specific minimum amounts of liability coverage if you want to drive legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if you took out a loan on your car, it's guaranteed your bank will have a requirement that you have comprehensive coverage to ensure the loan is repaid in case of a total loss. If you default on your policy, the bank will be required to insure your Ford at a significantly higher premium and make you pay the higher price.
Third, insurance protects your Ford Fusion and your assets. It will also provide coverage for medical expenses for both you and anyone you injure as the result of an accident. One policy coverage, liability insurance, also covers legal expenses if anyone sues you for causing an accident. If damage is caused by hail or an accident, comprehensive and collision coverage will cover the damage repairs after a deductible is paid.
The benefits of insuring your Fusion greatly outweigh the cost, especially when you need to use it. According to a recent study, the average American driver is overpaying over $820 a year so compare quotes from several companies at every renewal to ensure rates are competitive.