Who Has Affordable Stockton Auto Insurance for a Ford Fusion?

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Ford Fusion insurance cost
Ford Fusion insurance cost image courtesy of QuoteInspector.com

Finding cheaper coverage for a Ford Fusion relies on many different factors such as whether you use your Fusion for business use, the likelihood of vehicle theft, and any driving offenses on your record. Drivers pay on average $1,529 annually to insure their Fusion, but that figure is a projection based on a 30-year-old single male driver with full coverage and $500 deductibles.

When making auto insurance estimates, the issue arises that you're not a 30-year-old male, maybe you are married instead of single, and maybe you have sub-par credit that needs to be factored in. Having what appears to be a very minor change in the criteria used to calculate rates can result in a massive change in how much insurance for a Ford Fusion costs.

The different assumptions illustrate why the best method for finding cheap insurance rates for your Ford is to just compare rates yourself.

Find Cheaper Ford Fusion Insurance

Your Ford's trim level has an effect on the yearly cost, so the price to insure a Fusion S 4-Dr Sedan will cost $248 less than the cost to insure the higher-end Fusion Sport AWD 4-Dr Sedan version, as shown in the table below.

Ford Fusion Insurance Rates in Stockton, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $316 $464 $578 $34 $174 $1,566 $131
Fusion SE 4-Dr Sedan $358 $546 $578 $34 $174 $1,690 $141
Fusion Hybrid 4-Dr Sedan $358 $630 $724 $42 $216 $1,970 $164
Fusion SEL 4-Dr Sedan $358 $546 $578 $34 $174 $1,690 $141
Fusion Sport 4-Dr Sedan $358 $546 $578 $34 $174 $1,690 $141
Fusion SEL AWD 4-Dr Sedan $398 $630 $578 $34 $174 $1,814 $151
Fusion Sport AWD 4-Dr Sedan $398 $630 $578 $34 $174 $1,814 $151
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Price data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Premium costs do not factor in your specific Stockton location which can modify premium rates greatly.

Locating budget insurance is not the easiest thing to accomplish, and finding out which companies have the cheapest insurance rates for a Ford Fusion involves additional perseverance. Each insurer has a different formula for setting prices, so let's take a look at the lowest cost insurance companies in California.

It's a good idea to be aware that California insurance rates are impacted by many factors which can substantially change the price you pay. Improving your financial situation, moving to a different location, or getting a few speeding tickets can trigger rate changes resulting in some rates now being more expensive than others.

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USAA quotes some of the cheapest car insurance rates in Stockton at around $1,109 a year. Wawanesa, CSAA, Nationwide, and Century National also are some of the best Stockton, CA insurance companies.

As illustrated above, if you buy coverage from CSAA and switched to USAA, you could see an annual premium reduction of upwards of $77. Insureds with Nationwide could save as much as $104 a year, and Century National customers might lower prices by up to $105 a year.

If you want to find out if you're overpaying, click here or visit any of the companies below.

Bear in mind that those policy rates are averages for all ages of drivers and types of vehicles and and are not figured with a specific location for a Ford Fusion. So the insurer that fits your situation best may not even be in the list above. That underscores the importance of why you need to compare as many prices as possible using your own driver and vehicle profiles.

Insurance rate increases from tickets or accidents

The common sense way to get the best insurance rates in Stockton for a Fusion is to drive safely and have a clean driving record. The diagram below shows how traffic citations and at-fault fender-benders drive up insurance rates for different age categories. Data assumes a single male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are factored in.

The data in the chart shows the average cost of auto insurance in Stockton per year with a clean driving record and no accidents is $2,853. Factor in two speeding tickets and the average cost hikes up to $3,786, an increase of $933 each year. Then throw in one accident along with the two speeding tickets and the annual cost of insurance for a Ford Fusion goes up to an average of $4,729. That's an increase of $1,876, or $156 per month, just for being a careless driver!

The information below illustrates how your choice of deductibles can change premium costs when researching cheap insurance for a Ford Fusion. The price estimates are based on a married male driver, comp and collision included, and no policy discounts are applied.

A 50-year-old driver could lower their car insurance rates by $428 a year by switching from a $100 deductible up to a $500 deductible, or save $648 by selecting a $1,000 deductible. Young drivers, such as the Age 20 example, could drop their prices up to $1,434 every year by selecting a higher deductible.

When insureds make the decision to increase the deductibles on their policy, it is a good idea to have enough savings set aside to satisfy the extra out-of-pocket expense, which deters some people from using high deductibles.

Compare quotes and save

Stockton, CA insurance rates are impacted by many things that may substantially change the price you have to pay for coverage. Getting older, buying a different home, or getting a driving violation can trigger price changes that can now make some companies affordable when they were higher priced.

Not only may things change on your end, but companies modify rates multiple times each year in order to maintain liquidity for claims. Heavy losses can cause a rate increase, while a lower level of claims may result in cheaper Fusion insurance rates.

To help illustrate this point, the bar chart below shows which company has the cheapest car insurance in Stockton, CA for a 30-year-old female driver with a clean driving record, no accidents, and good financial standing. If we look at prices based on her personal risk profile, USAA may offer the cheapest car insurance rates in Stockton at $1,344 a year. This is $307 less than the average rate paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide round out the rest of the best Stockton, CA auto insurance companies.

Let's now give the driver in the first chart a claim, a lower credit score, and a couple of points charged on her driving record. Because every insurance company has their own unique process to determine rates, getting updated rate quotes will most likely result in a significantly different list of cheap Stockton auto insurance companies as shown below.

Grange now has the cheapest auto insurance in Stockton, CA with Mercury, Progressive, Allstate, and GEICO now being in the top five. This example shows why it is important to perform a complete rate comparison to get affordable car insurance quotes for a Ford Fusion. Rates are impacted by many different factors and can change substantially, so the cheapest rate the last time you compared rates may now be quite expensive.

How to find more affordable insurance for a Ford Fusion

Here are some of the recommended thrifty suggestions that can help California drivers find lower-cost coverage.

The last tip is particularly significant, as we discussed in the prior information. Coverage prices in Stockton fluctuate constantly, so you should be ready to buy from a new company if you can find a cheaper rate.

Sticking with a specific company is fine, but it isn't a good idea if your bullheadedness ends up costing you lots of hard earned cash every month. If you have a few minutes, now is a great time to compare prices to find cheaper insurance for a Ford Fusion.

If you aren't sure which coverage to buy and prefer to get some professional input when comparing insurance rates for a Ford Fusion, the professional agents shown below can probably help you determine which coverage fits your budget.

To find a Stockton insurance agent near you, click the button at the bottom of the list or click here to compare rates now.

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