Are you tired of trying to find more competitive auto insurance rates in Fresno, CA? Fresno buyers have options when searching for low-cost Ford Fusion Energi insurance. You can either waste hours struggling with agents trying to get quotes or leverage the internet to get rate quotes. There is a right way and a wrong way to compare auto insurance rates so we’re going to tell you the best way to price shop coverage for a Ford and get the cheapest rates.
Sadly, the vast majority of California auto insurance customers kept buying from the same company for a minimum of four years, and roughly 40% of drivers have never compared rate quotes at all. Drivers in the U.S. could save roughly $859 a year just by getting comparison quotes, but they don’t know the amount of money they would save if they bought a different policy.
How to compare free Fresno Ford Fusion Energi insurance price quotes
The providers in the list below offer quotes in Fresno, CA. If your goal is to find cheap auto insurance in Fresno, we suggest you get price quotes from several of them to find the cheapest car insurance rates.
Car insurance is not optional but you don’t have to overpay
Despite the high cost of buying insurance for a Ford Fusion Energi in Fresno, maintaining insurance may be mandatory for several reasons.
First, almost all states have minimum mandated liability insurance limits which means state laws require a minimum amount of liability in order to get the vehicle licensed. 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 bought your car with a loan, most lenders will make it a condition of the loan that you buy full coverage to ensure loan repayment if the vehicle is totaled. If you cancel or allow the policy to lapse, the bank may buy a policy for your Ford at a much higher rate and require you to fork over for it.
Third, car insurance preserves not only your car but also your assets. It will also provide coverage for most medical and hospital costs for both you and anyone you injure as the result of an accident. One of the most valuable coverages, liability insurance, also covers legal expenses if you are sued as the result of an accident. If your Ford gets damaged, comprehensive and/or collision insurance will cover the repair costs.
The benefits of carrying adequate insurance definitely exceed the price paid, especially with large liability claims. But the average driver in California is overpaying more than $750 every year so you should quote and compare rates once a year at a minimum to help ensure money is not being wasted.
Verify you’re applying every discount
Auto insurance is not cheap nor is it fun to buy but there may be some discounts that can help lower your rates. A few discounts will automatically apply at quote time, but a few must be asked about before they will apply.
- Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems could see savings of up to 25% or more.
- ABS Brakes – Vehicles with anti-lock braking systems prevent accidents and the ABS can save up to 10%.
- Multi-policy Discount – When you have multiple policies with the same insurance company you could earn a discount of as much as 10 to 15 percent.
- Club Memberships – Being in a civic or occupational organization in Fresno could qualify you for a break when shopping for auto insurance.
- Onboard Data Collection – Insureds that choose to allow data collection to monitor vehicle usage by installing a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system may get a rate reduction if they are good drivers.
- Seat Belts Save – Drivers who always wear seat belts and also require passengers to wear their seat belts can save 10% or more on the premium charged for medical payments and/or PIP.
- Low Mileage Discounts – Low mileage vehicles could qualify for lower auto insurance rates due to less chance of an accident.
- Early Signing – Some insurance companies give discounts for switching policies prior to your current Fusion Energi insurance policy expiring. It can save you around 10%.
- Anti-theft Discount – Cars that have factory anti-theft systems can help prevent theft and will save you 10% or more on Fusion Energi insurance in Fresno.
We need to note that some of the credits will not apply to the overall cost of the policy. Most only cut individual premiums such as collision or personal injury protection. So despite the fact that it appears adding up those discounts means a free policy, it doesn’t quite work that way.
Auto insurance companies that may include these money-saving discounts may include but are not limited to:
Before buying, ask all the companies which discounts you may be entitled to. Savings may not apply in every state. To see auto insurance companies who offer cheap Ford Fusion Energi insurance quotes in California, follow this link.
Buying from auto insurance agents
Many people just want to buy from a local agent and that is just fine! Professional agents are trained risk managers and give you someone to call. One of the benefits of getting online price quotes is that you can obtain cheaper rates and also buy local.
For easy comparison, once you complete this form (opens in new window), the quote information gets sent to companies in Fresno that can provide free Fresno car insurance quotes to get your business. It’s much easier because you don’t need to contact an agency because quoted prices will be sent instantly to you. If you have a need to get a comparison quote from a specific insurance company, feel free to search and find their rate quote page and fill out their quote form.
Finding the right insurer shouldn’t rely on just a cheap price. The questions below may impact your decision as well.
- What company holds the largest book of business for them?
- What discounts might you be missing?
- Will you get a loaner vehicle if you car is being repaired?
- Where are claims handled?
- Can they give you a list of client referrals?
- Is the agent CPCU or CIC certified?
- Do they offer accident forgiveness?
- Are they involved in claim handling?
When searching for a reliable insurance agent, it can be helpful to understand the different types of agencies to choose from. Agencies in Fresno can either be exclusive or independent agents depending on their company appointments. Both types of agents can insure your vehicles properly, but it’s worth learning how they are different since it could factor into the type of agent you choose.
Exclusive Auto Insurance Agencies
These type of agents can only provide one company’s prices like AAA, State Farm, Farmers Insurance, and Allstate. They are unable to provide rate quotes from other companies so you might not find the best rates. Exclusive agencies are trained well on sales techniques which helps them compete with independent agents. Some people will only buy from the same agent for years mostly because of the brand and strong financial ratings.
Below is a list of exclusive insurance agencies in Fresno that are able to give comparison quotes.
- Greg Caves – State Farm Insurance Agent
7740 N Fresno St #103 – Fresno, CA 93720 – (559) 435-7500 – View Map
- Allstate Insurance: Ron Meadows
1750 E Bullard Ave Ste 101 – Fresno, CA 93710 – (559) 432-0656 – View Map
- Steve Bezzerides – State Farm Insurance Agent
4270 N Blackstone Ave #201 – Fresno, CA 93726 – (559) 222-5278 – View Map
Independent Agents (or Brokers)
Agents that elect to be independent are not restricted to one company so they can write business with an assortment of companies and potentially find a lower price. If your agent finds better pricing, they can switch companies in-house and you can keep the same agent. When comparison shopping, we recommend you check rates from several independent agencies to get the best comparison. Most also write with additional companies that you may not be familiar with which may provide better rates.
Listed below is a short list of independent insurance agents in Fresno willing to provide price quotes.
- United Valley Insurance Services
3245 W Figarden Dr – Fresno, CA 93711 – (559) 256-2500 – View Map
- New Horizon Insurance Services
325 Clovis Ave #114 – Clovis, CA 93612 – (559) 322-2525 – View Map
- CCIS Bonding and Insurance Services
2520 W Shaw Ln #104 – Fresno, CA 93711 – (559) 320-2247 – View Map
Which car insurance company is best in California?
Buying coverage from a good quality company is hard considering how many companies are available to choose from in Fresno. The rank data displayed below could help you pick which auto insurance companies to look at comparing rate quotes with.
Top 10 Fresno Car Insurance Companies Overall
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- The General
- Titan Insurance
Auto insurance coverages explained
Having a good grasp of auto insurance can be of help when determining the right coverages and the correct deductibles and limits. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording.
Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against claims such as damage from a tornado or hurricane, hitting a bird and hitting a deer. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Auto collision coverage
This pays to fix your vehicle from damage caused by collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.
Collision insurance covers claims like backing into a parked car, damaging your car on a curb and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Another option is to choose a higher deductible on your Fusion Energi to save money on collision insurance.
Med pay and Personal Injury Protection (PIP)
Med pay and PIP coverage kick in for short-term medical expenses for funeral costs, ambulance fees, prosthetic devices, X-ray expenses and nursing services. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Coverage applies to all vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage
Uninsured/Underinsured Motorist (UM/UIM)
This gives you protection from other motorists when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Ford Fusion Energi.
Since a lot of drivers carry very low liability coverage limits (which is 15/30/5), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.
Liability insurance can cover damages or injuries you inflict on other’s property or people that is your fault. It protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 15/30/5 which stand for a $15,000 limit per person for injuries, a per accident bodily injury limit of $30,000, and property damage coverage for $5,000.
Liability can pay for things like loss of income, medical expenses, funeral expenses and medical services. How much liability should you purchase? That is a decision to put some thought into, but consider buying as much as you can afford. California state law requires minimum liability limits of 15/30/5 but you should consider buying more liability than the minimum.
The chart below shows why low liability limits may not be enough.
Car insurance savings summarized
Consumers switch companies for any number of reasons including policy non-renewal, unfair underwriting practices, delays in responding to claim requests or even high prices. It doesn’t matter why you want to switch switching companies is less work than it seems.
Cheap Ford Fusion Energi insurance in Fresno is available from both online companies and from local agencies, and you should be comparing both to have the best rate selection. Some insurance providers may not provide the ability to get quotes online and usually these small insurance companies only sell coverage through independent agents.
Throughout this article, we presented some good ideas how you can compare Ford Fusion Energi insurance premium rates in Fresno. It’s most important to understand that the more quotes you get, the better your chances of lowering your prices. Drivers may even discover the lowest premium rates come from the least-expected company.
How to find lower priced Ford Fusion Energi insurance in Fresno
If saving money is your primary concern, then the best way to get the cheapest auto insurance rates is to compare prices annually from companies who can sell car insurance in Fresno.
First, spend a few minutes and learn about how car insurance works and the measures you can take to keep rates down. Many policy risk factors that cause rate increases like traffic citations, accidents, and poor credit can be eliminated by making minor changes in your lifestyle.
Second, compare prices from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give rate quotes from one company like GEICO or State Farm, while independent agents can quote prices from multiple sources.
Third, compare the new rates to your existing rates to determine if switching companies saves money. If you find a better price and change companies, make sure there is no coverage gap between policies.
One piece of advice is that you’ll want to make sure you compare identical limits and deductibles on each quote request and and to get quotes from all possible companies. Doing this provides a fair rate comparison and maximum price selection.
Even more information is located by following these links:
- Teen Driver Statistics (Insurance Information Institute)
- How Much are Car Insurance Rates for Infrequent Drivers in Fresno? (FAQ)
- Who Has Affordable Auto Insurance for 19 Year Olds in Fresno? (FAQ)
- Who Has Affordable Auto Insurance for Single Moms in Fresno? (FAQ)
- Tools for Teen Driving Safety (State Farm)
- Teen Driving Statistics (GEICO)