What Insurance is Cheapest for a Ford Fusion in Irvine?

Finding affordable car insurance for a Ford Fusion in California is dependent upon many different factors such as your financial responsibility, whether or not you garage your vehicle, and any prior driving offenses you have. California drivers will pay on average $1,144 per year for Fusion insurance, but that amount is an estimate based on a 30-year-old married male driver with full coverage and $1,000 deductibles.

When making auto insurance estimates, the issue arises that you’re not a 30-year-old male, single instead of married, or maybe you live in a different area as the quoted rates. There is no perfect policy for every driver, so the only way to find the cheapest insurance price for your Ford is to compare as many rates as you can. Get a free quote now and you will be able to see rates from the cheapest companies available.

Cheapest Ford Fusion Insurance Rates

The trim level of your vehicle tends to have a direct impact on price, so the rate you pay to insure a Fusion S 4-Dr Sedan will be $184 less than the cost to insure the more expensive Fusion Sport AWD 4-Dr Sedan model, as shown in the table below.

Ford Fusion Insurance Rates in Irvine, CA
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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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Price information does not factor in garaging location in Irvine which can affect premiums significantly.

Buying coverage from the best auto insurance provider can be a challenge considering how many companies provide coverage in California. The ranking data shown next could help you select which car insurance providers you want to consider when trying to find cheaper insurance for a Ford Fusion.

These rankings are only comprised of insurance companies that insure vehicles in the majority of U.S. states, so companies with more of a regional focus are not included in the list. To get price quotes from these top insurers and more, simply click here.

Top Ten Auto Insurance Companies for a Ford Fusion in Irvine, CA
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
AAA of Southern California 91 94 97 92% A+ 94.1
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
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Data Source: Insure.com Best Car Insurance Companies

Comparison of full coverage and liability-only policies

Finding the cheapest auto insurance should be important to the majority of drivers, and one of the quickest ways to find cheaper insurance for a Ford Fusion is to not insure for full coverage. The diagram below illustrates the difference between premium costs when comparing full coverage to liability only. Data assumes no claims, a clean driving record, $100 deductibles, single marital status, and no additional discounts are factored in.

If we average all the age groups together, full coverage costs an extra $3,820 per year more than just buying liability only. That amount may make you wonder if it’s a good idea to buy full coverage. There is no exact rule for phasing out full coverage, but there is a guideline you can consider. If the annual cost of coverage is 10% or more of the replacement cost minus the deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s say your vehicle’s settlement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company would pay you is $5,000 after paying the physical damage deductible. If you are paying in excess of $500 annually for your policy with full coverage, then it might be time to consider dropping full coverage.

There are a few cases where only buying liability is not in your best interest. If you still owe a portion of the original loan, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should maintain full coverage.

Are you paying too much for car insurance?

California auto insurance rates are influenced by many factors that may substantially change the price you pay. Simply improving your credit, having a claim, or having a fender bender can produce rate changes that can make some companies cheaper than others.

Not only may your situation change, but car insurance companies change rates at least once a year as an adjustment for underwriting gains or losses. Significantly higher claims can result in increased policy costs, while a better loss history can result in cheaper Fusion insurance rates.

The data below shows the companies that have the cheapest car insurance in Irvine, CA for a 45-year-old male driver with a clean driving record, no accidents, and a good credit rating. If we estimate rates based on his current risk factors, USAA offers the best car insurance rates in Irvine at $1,183 a year. This is $468 less than the average price paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide are the rest of the top five cheapest Irvine, CA auto insurance companies.

In the next rate comparison, we’ll give the driver from the first rate comparison an at-fault accident, a lower credit score, and a traffic citation. Because every insurance company has their own process for determining rates in each state, comparing rates could result in a different list of affordable companies as shown below.

Grange now has the cheapest insurance rate in Irvine, CA with Mercury, Progressive, Allstate, and GEICO also having competitive pricing. This demonstrates why it is so important to perform a complete rate comparison when trying to find cheap insurance rates for a Ford Fusion. Prices can be altered by many factors and can increase or decrease at any time, so the lowest-price company the last time you compared rates may now be one of the more expensive options.

How to find cheaper car insurance for a Ford Fusion

Here are many money-saving solutions that can help California drivers locate cheaper coverage.

That last piece of advice is extremely important, as we pointed out in the prior information. Insurance rates in Irvine fluctuate considerably, so don’t be afraid to change to a new company if you can find a cheaper rate.

Sticking with a specific company is fine, but it’s not a good idea if that inflexibility results in costing you a small fortune. It only takes a couple minutes to compare rates and find cheaper insurance for a Ford Fusion.

If you have coverage questions and would like to get some guidance when shopping for cheaper insurance for a Ford Fusion, the agents listed below can probably help you determine which coverages are best. To locate an Irvine auto insurance agent nearest to you, click the link at the bottom or click here to compare price quotes.

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