Cheap Ford Fusion Hybrid Insurance in Irvine

It’s well known that car insurance companies want to keep your business as long as possible. People who shop around once a year will probably switch to a new company because there are good odds of finding coverage at a more affordable price. A study showed that people who compared prices once a year saved approximately $860 a year compared to those who never shopped around for better prices.

If finding the cheapest rates on car insurance is your ultimate target, then having a good understanding how to shop and compare insurance premiums can make it simple to find affordable coverage.

If saving money is your primary concern, then the best way to get more affordable auto insurance rates is to regularly compare price quotes from insurers in Irvine. Rates can be compared by completing these steps.

1. Learn about the different coverages in a policy and the measures you can control to drop your rates. Many risk factors that drive up the price such as careless driving and a negative credit rating can be remedied by making small lifestyle or driving habit changes. Continue reading for additional ideas to lower rates and find hidden discounts.
2. Compare rates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can provide rates from a single company like GEICO and State Farm, while agents who are independent can provide rate quotes for many different companies.
3. Compare the new quotes to the price on your current policy to see if switching to a new carrier will save money. If you find better rates, make sure there is no lapse between the expiration of your current policy and the new one.
4. Give notification to your current company of your decision to cancel your existing policy and submit a down payment and signed policy application to the new company. Once received, put the certificate verifying proof of insurance in your vehicle.

The key thing to remember is to compare similar deductibles and liability limits on each price quote and and to get rates from as many companies as possible. Doing this provides an accurate price comparison and a thorough price selection.

Finding affordable car insurance coverage in Irvine is really quite easy. In essence, every person who is shopping for car insurance stands a good chance to be able to reduce their rates. Although California consumers can benefit from knowing how companies calculate your policy premium because it varies considerably.

The quickest method we recommend to get rate comparisons for Ford Fusion Hybrid insurance in Irvine is to understand most insurance companies have advanced systems to provide you with free rate quotes. All you need to do is give them rating details including daily mileage, if you have an active license, whether you drive to work or school, and the year, make and model of vehicles. Those rating factors is submitted instantly to multiple companies and they respond with quotes almost instantly.

To find lower cheap Ford Fusion Hybrid insurance rates now, click here and enter your coverage details.

The car insurance companies shown below are our best choices to provide quotes in California. To find the cheapest car insurance in Irvine, we recommend you get prices from several of them in order to find the most competitive rates.

Get cheaper rates by taking advantage of discounts

Companies do not advertise the complete list of policy discounts very well, so the list below details some of the more common and also the more inconspicuous credits available to you.

• Accident-Free Discounts – Drivers who don’t have accidents pay much less compared to drivers who are more careless.
• Seat Belt Discounts – Drivers who require all occupants to buckle their seat belts could save 15% on the premium charged for medical payments and/or PIP.
• Pay Early and Save – By making one initial payment as opposed to paying monthly you may reduce your total bill.
• New Car Discount – Putting insurance coverage on a new Fusion Hybrid can be considerably cheaper since newer models are generally safer.
• Good Students Pay Less – Being a good student can be rewarded with saving of up to 25%. Many companies even apply the discount to college students up to age 25.

Don’t be shocked that some of the credits will not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. Even though it appears all those discounts means the company will pay you, you won’t be that lucky.

The illustration below shows the comparison of Ford Fusion Hybrid auto insurance rates with and without discounts. The price estimates are based on a male driver, no claims, a clean driving record, California state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, safe-driver, multi-policy, homeowner, and marriage discounts applied.

To view providers that can offer you the previously mentioned discounts in California, follow this link.

Insurance coverage details

The premium table shown next highlights different insurance coverage prices for Ford Fusion Hybrid models. Learning more about how insurance policy premiums are calculated can be useful when making informed coverage decisions.

Table data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Rate information does not factor in specific zip code location which can impact premium rates considerably.

Rate comparison for different deductibles

One common question asked by Irvine drivers is how high or low should comp and collision deductibles be. The comparisons below summarize the difference in cost of buying low and high policy deductibles. The first set of prices uses a $250 deductible for physical damage and the second data table uses a $1,000 deductible.

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Premium amounts do not factor in specific Irvine garaging location which can increase or decrease auto insurance rates substantially.

Based on the figures above, using a $250 deductible will cost in the ballpark of $39 more each month or $468 for a full year than quoting the higher $1,000 deductible. Since you would have to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you have at least 19 months between claims, you would come out ahead going with the higher deductible. The numbers below show an example of how you can come to your own conclusion.

One thing to be aware of is that a higher deductible level results in a higher out-of-pocket expense if you have a claim. That will force you to have some funds available in the event you have to pay more for the deductible.

What Impacts Ford Fusion Hybrid Insurance Rates?

Consumers need to have an understanding of some of the elements that help calculate the price you pay for auto insurance. If you understand what impacts premium levels, this allows you to make good choices that may result in big savings. Many factors are considered when you get a price on insurance. Some of the criteria are obvious such as your driving history, but others are not quite as obvious such as whether you are married or how safe your car is.

Pay more for higher performance vehicles – The make and model of the car, truck or SUV you are insuring makes a huge difference in your car insurance bill. The best insurance prices are usually found on the lowest performance passenger cars, but the cost you end up paying is determined by many additional factors.

The chart below is based on a married male driver age 40, full coverage with $250 deductibles, and no discounts or violations. The chart compares Ford Fusion Hybrid insurance premiums compared to other models of vehicles that have a range of risk factors.

Better drivers have lower costs – Only having one moving violation could increase your next policy renewal forty percent or more. Good drivers receive lower rates than bad drivers. Drivers who have dangerous violations such as DUI, reckless driving or excessive speeding may find that they have to to maintain a SR-22 to the state department of motor vehicles in order to prevent a license revocation.

The illustration below highlights how traffic violations and at-fault collisions influence Ford Fusion Hybrid annual premium costs for different age groups. The information is based on a single female driver, comprehensive and collision coverage, $100 deductibles, and no policy discounts are applied.

Use one insurance company and save – Most companies provide discounts to insureds who buy several policies from them in the form of a multi-policy discount. Discounts can add up to ten or even fifteen percent. Even with this discount, it’s always a smart idea to check prices from other companies to guarantee you are still saving the most.

Use but don’t abuse your insurance – Car insurance companies in California generally give lower rates to policyholders that do not abuse their auto insurance. If you frequently file small claims, you can pretty much guarantee either a policy non-renewal or much higher rates. Your insurance policy is meant to be used in the event of claims that pose a financial burden.

Rural vs Urban Areas – Living in areas with lower population may provide you with better prices if you are looking for the lowest rates. Fewer drivers on the road translates into fewer accidents as well as less vandalism and auto theft. Drivers in populated California areas regularly have more traffic problems and more severe claims. More time behind the wheel means more chances of being involved in an auto accident.

Liability insurance is peace of mind – The liability coverage on your policy will afford coverage in the event that you are responsible for personal injury or accident damage. Liability provides legal defense coverage up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so buy as much as you can afford.

Male premiums may be higher – Over time, data shows that men are more aggressive behind the wheel. This data doesn’t prove that women are better drivers. Men and women tend to get into auto accidents at a similar rate, but guys cause more damage. Men also tend to have more aggressive citations such as reckless driving.

The information below compares Ford Fusion Hybrid insurance prices for male and female drivers. The data is based on no tickets, no at-fault accidents, full physical damage coverage, $100 deductibles, single status, and no discounts are factored in.

Insurance loss data for Ford Fusion Hybrid vehicles – Auto insurance companies use statistical claims data to help set a rate to offset losses. Vehicles that statistically have increased losses will be charged more to insure. The table below outlines the compiled insurance loss statistics for Ford Fusion Hybrid vehicles.

For each policy coverage, the statistical loss for all vehicles, as a total average, is a value of 100. Percentage values below 100 are indicative of better than average losses, while percentage values above 100 point to more frequent losses or larger claims.

Do I need an agent?

Some consumers just want to buy from a licensed agent. One of the benefits of comparing insurance prices online is the fact that you can find the lowest rates but also keep your business local.

To help locate an agent, after submitting this quick form, your coverage information is submitted to participating agents in Irvine who will gladly provide quotes for your insurance coverage. You won’t need to search for any insurance agencies as quotes are delivered to you. You can find lower rates and a licensed agent to talk to. If you have a need to get a comparison quote from a specific company, you just need to navigate to their website to submit a rate quote request.

Choosing a insurer is decision based upon more than just the bottom line cost. These are some questions you should get answers to.

• Is insurance their full-time profession?
• Where would your vehicle be repaired?
• How long has their agency been in business in Irvine?
• Does the agency have a good rating with the Better Business Bureau?
• Do they have designations such as AIC, CPCU, or CIC?

If you want a reputable insurance agent or broker, it’s important to understand the different agency structures and how they work. Agents may be either exclusive or independent.

Exclusive Insurance Agents

Agents that elect to be exclusive can only place business with one company and examples are AAA, Allstate, State Farm, or Farmers Insurance. They are unable to compare rates from other companies so keep that in mind. Exclusive insurance agents receive a lot of sales training on their products and sales techniques which helps offset the inability to provide other markets.

Listed below are Irvine exclusive agencies that are able to give rate quotes.

View more Irvine agents

Independent Agents (or Brokers)

These agents are appointed with more than one company so they can write business with a variety of different insurance companies and find the cheapest rate. If premiums increase, they simply move your policy to a different company and you can keep the same agent.

If you need lower rates, you will want to get rate quotes from independent agents to maximize your price options.

Below is a short list of independent insurance agents in Irvine who can help you get comparison quotes.

View more Irvine agents

How to know if you need help

When it comes to the right insurance coverage, there really is no cookie cutter policy. Your situation is unique so your insurance should reflect that
These are some specific questions could help you determine if you might need professional guidance.

• Do I need special coverage while pulling a rented trailer?
• Is my son or daughter covered when driving my car?
• Is business equipment covered while in my vehicle?
• Does my insurance cover my expensive audio equipment?
• Is my camper covered for physical damage?
• Does low annual mileage earn a discount?
• Does my insurance cover a custom paint job?
• What is motorclub and do I need it?
• Does my Ford Fusion Hybrid qualify for pleasure use?
• Am I covered when using my vehicle for business?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies.

Smart consumers save more

When searching for cheaper Irvine car insurance quotes, it’s a bad idea to sacrifice coverage to reduce premiums. In many instances, consumers will sacrifice full coverage only to regret that the savings was not a smart move. Your goal should be to get the best coverage possible for the lowest cost.

Some insurance companies may not provide the ability to get a quote online and these small, regional companies prefer to sell through independent insurance agencies. Cheaper insurance in Irvine can be found both online as well as from insurance agents, and you need to price shop both so you have a total pricing picture.

Additional insurance information is located at these links:

• Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)
• Who Has Affordable Car Insurance for Retired Military in Irvine? (FAQ)
• Who Has Cheap Irvine Auto Insurance for First-time Drivers? (FAQ)
• Information for Teen Drivers (GEICO)
• Pickups fall short in headlight tests (Insurance Institute for Highway Safety)