If your goal is the lowest price, then the best way to find low-cost prices for Ford Five Hundred insurance is to start comparing prices yearly from providers who provide car insurance in Fresno.
Step 1: Read and learn about car insurance and the modifications you can make to prevent rate increases. Many risk factors that result in higher rates like multiple speeding tickets and poor credit can be rectified by being financially responsible and driving safely. Read the full article for more ideas to get low prices and get discounts that may be overlooked.
Step 2: Get rate quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can give quotes from a single company like Progressive or State Farm, while agents who are independent can provide prices from multiple sources. View prices
Step 3: Compare the new rate quotes to your existing policy to see if a cheaper rate is available in Fresno. If you can save some money and change companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
Step 4: Provide notification to your current agent or company to cancel your existing policy and submit a down payment along with a completed application to the newly selected company. Once the paperwork is finalized, place the new proof of insurance certificate with your registration paperwork.
One bit of advice is to try to compare the same deductibles and limits on every price quote and and to get rates from as many different companies as possible. Doing this guarantees the most accurate price comparison and a better comparison of the market.
It’s an obvious statement that auto insurance companies don’t want you to look for cheaper rates. People who shop around for the cheapest rate are very likely to switch to a new company because there is a great chance of finding a lower-priced policy. A recent auto insurance study discovered that consumers who compared prices once a year saved an average of $3,400 over four years compared to other drivers who didn’t regularly shop around.
If finding low prices for Ford Five Hundred insurance in Fresno is your ultimate goal, then having some insight into the best ways to find and compare coverages can make it easier to shop your coverage around.
When shopping for Ford Five Hundred insurance in Fresno there are multiple ways to compare quotes from insurance companies in your area. The quickest method to find cheaper Ford Five Hundred rates is to jump online and get quotes.
It’s so fast and easy to compare price quotes online that it makes it a waste of time to go to local Fresno insurance agencies. Buying insurance online eliminates the middleman unless you have a complicated situation and need the extra assistance only provided by licensed Fresno agents. However, consumers can get prices online but have your policy serviced through an agent.
When quoting insurance, remember that more quotes will enable you to find lower pricing. Some companies don’t provide online rate quotes, so you need to compare quotes from them as well.
The companies shown below are our best choices to provide comparison quotes in Fresno, CA. If you want the best car insurance in CA, it’s a good idea that you visit several of them to get the best price comparison.
Affordable rates by taking advantage of discounts
Insurance is neither fun to buy or cheap, but you can get discounts that many people don’t even know exist. Some discounts apply automatically when you get a quote, but some need to be specially asked for prior to getting the savings. If you are not receiving all the discounts available, you are not getting the best rate possible.
- Defensive Driver Discount – Taking a driver safety class may get you a small discount if you qualify.
- Payment Method – If you can afford to pay the entire bill as opposed to paying monthly you may have a lower total premium amount.
- Life Insurance – Larger insurance companies have a break if you buy auto and life insurance together.
- Discount for Low Mileage – Driving less could earn substantially lower rates.
- Senior Citizen Rates – If you’re over the age of 55, you are able to get a discount up to 10%.
Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to your bottom line cost. A few only apply to the price of certain insurance coverages like collision or personal injury protection. So even though you would think all those discounts means the company will pay you, you aren’t that lucky.
Companies and some of the discounts are detailed below.
- GEICO includes discounts for emergency military deployment, five-year accident-free, anti-theft, air bags, federal employee, multi-vehicle, and military active duty.
- Travelers may include discounts for driver training, payment discounts, home ownership, multi-policy, and save driver.
- Nationwide discounts include Farm Bureau membership, multi-policy, accident-free, anti-theft, and easy pay.
- Farmers Insurance has savings for business and professional, teen driver, bundle discounts, switch companies, multi-car, youthful driver, and early shopping.
- Esurance offers discounts including anti-lock brakes, good student, DriveSense, Pac-12 alumni, and multi-car.
- State Farm may offer discounts for good student, multiple autos, student away at school, safe vehicle, and accident-free.
- Progressive may have discounts that include multi-policy, good student, online quote discount, homeowner, online signing, continuous coverage, and multi-vehicle.
- Mercury Insurance policyholders can earn discounts including multi-policy, low natural disaster claims, accident-free, ease of repair, age of vehicle, and type of vehicle.
Before purchasing a policy, check with each company which discounts you qualify for. Some of the earlier mentioned discounts may not be available in Fresno. To see insurers that offer multiple discounts in Fresno, click here to view.
Five Tips to Get Cheap Fresno Insurance Premiums
One of the most helpful ways to save on car insurance is to to have a grasp of some of the elements that help determine your policy premiums. If you have some idea of what positively or negatively impacts your premiums, this allows you to make educated decisions that can earn you lower car insurance prices. Multiple criteria are taken into consideration when pricing auto insurance. Some are pretty understandable such as traffic violations, but other criteria are more obscure such as your credit history or your commute time.
Consolidating policies can get discounts – Most major insurance companies apply lower prices for people that buy multiple policies such as combining an auto and homeowners policy. Even if you qualify for this discount already, you may still want to shop around to verify if the discount is saving money.
When should you file policy claims? – If you frequently file small claims, you can expect much higher rates or policy non-renewal. Companies in California provide the best rates to drivers who do not rely on their insurance for small claims. Your insurance policy is intended for major claims that would cause financial hardship.
Lower car insurance rates with alarms and GPS tracking – Purchasing a vehicle with anti-theft technology or alarm system can save you some money. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder car theft and help bring rates down.
Responsible credit saves on car insurance – A driver’s credit rating is a large factor in determining premium rates. Therefore, if your credit is low, you could pay less to insure your Ford Five Hundred by improving your credit score. People that have very high credit ratings tend to file fewer claims and have better driving records than drivers who have worse credit.
Annual miles impacts costs – Driving a lot of miles annually the higher the price you pay to insure it. Many insurance companies charge rates determined by how the vehicle is used. Cars not used for work or commuting get more affordable rates than those that get driven frequently. Improper usage on your Five Hundred is just wasting money. Verify your car insurance declarations sheet is rated on annual mileage.
Buying auto insurance from Fresno auto insurance agents
Some people still prefer to have an agent’s advice. A good thing about comparing rate quotes online is you can get cheap auto insurance quotes and still have an agent to talk to.
After filling out this form (opens in new window), the coverage information is submitted to insurance agents in Fresno who can give free rate quotes for your insurance coverage. You won’t even need to even leave your home since rate quotes are delivered immediately to your email address. You can find the lowest rates without having to waste a lot of time. If you have a need to compare prices for a specific company, just go to their quote page to submit a rate quote request.
Selecting an insurance company requires you to look at more than just a low price. Below are some questions you should ask.
- What kind of financial rating does the company have?
- Can you choose the body shop in case repairs are needed?
- What discounts might you be missing?
- Do they get extra compensation for selling add-on coverages?
- How long has the business existed?
- Do they specialize in personal lines coverage in Fresno?
- How is replacement cost determined on your vehicle?
Not all car insurance agents are the same
When narrowing the list to find a reliable insurance agency, it’s important to understand the types of agencies that you can choose from. Auto insurance agencies are classified as either exclusive or independent.
Exclusive Auto Insurance Agencies
Agents that elect to be exclusive can only write with one company such as Farmers Insurance, State Farm, Allstate, and AAA. These agents are unable to provide rate quotes from other companies so they have to upsell other benefits. They are very knowledgeable on what they offer which helps them sell insurance even at higher premiums.
Shown below is a list of exclusive insurance agencies in Fresno that are able to give price quotes.
7020 N Marks Ave #107 – Fresno, CA 93711 – (559) 353-3500 – View Map
Independent Insurance Agents
Agents in the independent channel are not required to write business for one company and that allows them to write policies with any number of different companies and potentially find a lower price. If you want to switch companies, they simply move your policy to a different company and you don’t have to switch agencies. When comparing auto insurance prices, you definitely need to include at a minimum one independent agency in order to compare the most rates.
Shown below is a list of independent insurance agents in Fresno that are able to give rate quotes.
After receiving answers to your satisfaction and an acceptable price quote, chances are good that you have found an insurance agency that can provide auto insurance coverage. But keep in mind you can always cancel your coverage at any time so never feel that you are obligated to any particular company for a certain time period.
Quote more to save more
As you prepare to switch companies, you should never buy less coverage just to save a little money. In too many instances, someone dropped liability coverage limits only to discover later they didn’t have enough coverage. The aim is to find the BEST coverage at a price you can afford, but do not skimp to save money.
Cheap Ford Five Hundred insurance in Fresno is possible on the web as well as from insurance agents, and you need to comparison shop both to have the best selection. A few companies do not offer rate quotes online and most of the time these smaller providers work with independent agents.
More detailed car insurance information is available in the articles below:
- Vehicle Insurance (Wikipedia)
- Who Has Affordable Fresno Auto Insurance for 16 Year Olds? (FAQ)
- What Car Insurance is Cheapest for Lyft Drivers in Fresno? (FAQ)
- Who Has the Cheapest Car Insurance for a School Permit in Fresno? (FAQ)
- How Much is Fresno Car Insurance for a GMC Acadia? (FAQ)
- How to Avoid Common Accidents (State Farm)
- Can I Drive Legally without Insurance? (Insurance Information Institute)