It's hard to believe, but about 70% of customers have purchased from the same company for at least the last four years, and nearly half have never quoted rates to find cheap coverage. With the average insurance premium being $1,400, Fresno drivers could save roughly $470 each year, but most just don't grasp the rate savings if they moved their coverage to a different company.
If you want to save the most money, the best way to find more affordable auto insurance rates in Fresno is to make a habit of comparing prices annually from insurers who sell insurance in California.
- First, gain an understanding of individual coverages and the things you can change to keep rates in check. Many rating criteria that result in higher prices like accidents, traffic violations, and a not-so-good credit score can be remedied by making lifestyle changes or driving safer. This article gives tips to help prevent costly coverage and get additional discounts that may be available.
- Second, compare rates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give prices from a single company like Progressive or State Farm, while independent agencies can provide price quotes from multiple insurance companies.
- Third, compare the price quotes to your existing policy and see if there is a cheaper rate. If you can save some money and make a switch, ensure coverage does not lapse between policies.
The most important part of shopping around is to use the same level of coverage on every quote and and to get rate quotes from as many carriers as you can. This guarantees an accurate price comparison and many rates to choose from.
Choosing the best rates in Fresno is not that difficult as long as you know where to start. If you are already insured, you will be able to find better prices using these methods. Nevertheless, California drivers must comprehend how big insurance companies calculate your policy premium and take advantage of how the system works.
Cheapest Ford insurance price quotes in Fresno
The car insurance companies shown below have been selected to offer free rate quotes in Fresno, CA. If multiple companies are listed, we suggest you visit as many as you can to get a more complete price comparison.
Rates and statistics
The rate information displayed next showcases a range of coverage costs for Ford F-150 models. Having a good grasp of how auto insurance prices are calculated can assist in making informed coverage decisions.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|F-150 XL Regular Cab 2WD||$284||$434||$500||$30||$150||$1,398||$117|
|F-150 STX Regular Cab 2WD||$284||$554||$500||$30||$150||$1,518||$127|
|F-150 XL Super Cab 2WD||$284||$554||$500||$30||$150||$1,518||$127|
|F-150 XLT Regular Cab 2WD||$284||$554||$500||$30||$150||$1,518||$127|
|F-150 STX Super Cab 2WD||$284||$554||$500||$30||$150||$1,518||$127|
|F-150 XL Crew Cab 2WD||$326||$554||$500||$30||$150||$1,560||$130|
|F-150 XLT Super Cab 2WD||$326||$554||$500||$30||$150||$1,560||$130|
|F-150 STX Regular Cab 4WD||$326||$554||$500||$30||$150||$1,560||$130|
|F-150 XL Regular Cab 4WD||$326||$554||$500||$30||$150||$1,560||$130|
|F-150 FX2 Super Cab 2WD||$326||$554||$500||$30||$150||$1,560||$130|
|F-150 XLT Crew Cab 2WD||$326||$554||$500||$30||$150||$1,560||$130|
|F-150 XL Super Cab 4WD||$326||$554||$500||$30||$150||$1,560||$130|
|F-150 XLT Regular Cab 4WD||$326||$554||$500||$30||$150||$1,560||$130|
|F-150 XL Crew Cab 4WD||$370||$554||$500||$30||$150||$1,604||$134|
|F-150 STX Super Cab 4WD||$370||$554||$500||$30||$150||$1,604||$134|
|F-150 XLT Super Cab 4WD||$370||$554||$500||$30||$150||$1,604||$134|
|F-150 FX2 2WD||$370||$672||$500||$30||$150||$1,722||$144|
|F-150 Lariat Super Cab 2WD||$370||$672||$500||$30||$150||$1,722||$144|
|F-150 Lariat Crew Cab 2WD||$370||$672||$500||$30||$150||$1,722||$144|
|F-150 FX4 Super Cab 4WD||$370||$672||$500||$30||$150||$1,722||$144|
|F-150 XLT Crew Cab 4WD||$370||$672||$500||$30||$150||$1,722||$144|
|F-150 FX4 4WD||$370||$672||$500||$30||$150||$1,722||$144|
|F-150 Lariat Crew Cab 4WD||$370||$672||$500||$30||$150||$1,722||$144|
|F-150 SVT Raptor Super Cab 4WD||$370||$672||$500||$30||$150||$1,722||$144|
|F-150 Lariat Super Cab 4WD||$370||$672||$500||$30||$150||$1,722||$144|
|F-150 Lariat Crew Cab Platinum 2WD||$370||$792||$500||$30||$150||$1,842||$154|
|F-150 Lariat Crew Cab Harley 2WD||$370||$792||$500||$30||$150||$1,842||$154|
|F-150 Lariat King Ranch 2WD||$370||$792||$500||$30||$150||$1,842||$154|
|F-150 Lariat King Ranch 4WD||$412||$792||$500||$30||$150||$1,884||$157|
|F-150 Lariat Crew Cab Harley 4WD||$412||$792||$500||$30||$150||$1,884||$157|
|F-150 Lariat Crew Cab Platinum 4WD||$412||$792||$500||$30||$150||$1,884||$157|
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Cost estimates assume single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Premium costs do not factor in vehicle garaging location which can modify coverage prices considerably.
Rate comparison of full coverage and liability-only
The diagram below visualizes the comparison of Ford F-150 insurance premiums with liability coverage only compared to full coverage. The rate quotes are based on no driving violations, no at-fault accidents, $250 deductibles, single marital status, and no policy discounts are applied.
Should you buy full coverage or liability only?
There is no clear-cut rule to drop physical damage insurance, but there is a guideline you can use. If the annual cost of having full coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to think about dropping full coverage.
For example, let's assume your Ford F-150 book value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $8,000 after paying the physical damage deductible. If you are paying in excess of $800 a year for full coverage, then it might be time to buy liability only.
There are some conditions where dropping full coverage is not a good plan. If you still owe a portion of the original loan, you have to carry full coverage to protect the lienholder's interest in the vehicle. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should keep full coverage in place.
Lower-cost Fresno auto insurance quotes with discounts
Auto insurance is easily one of your largest bills, but there may be some discounts that you may not even know about. Some of these discounts will be visible at the time you complete a quote, but a few need to be specially asked for before you get the savings. If you do not double check each discount available, you are not getting the best rate possible.
- Payment Method - If you pay your bill all at once instead of paying each month you could save 5% or more.
- Discount for New Cars - Insuring a new F-150 can save you some money because new vehicles are generally safer.
- Discount for Home Ownership - Just owning your own home can get you a discount since home ownership demonstrates responsibility.
- E-sign - Certain larger companies provide a small discount get Fresno car insurance on their website.
- Telematics Devices - Insureds who allow driving data submission to scrutinize driving habits by using a telematics device in their vehicle such as Drivewise from Allstate or Snapshot from Progressive could possibly reduce rates if they are good drivers.
- Discount for Life Insurance - Not all insurance carriers offer life insurance, but some may give you a discounted price on car insurance if you buy life insurance from them.
- Accident Waiver - Not necessarily a discount, but companies like Allstate and Progressive will forgive one accident without the usual rate increase if your claims history is clear for a set time period.
- Switch and Save Discount - Some insurance companies provide a discount for buying a policy before your current expiration date. It could save around 10% when you buy Fresno car insurance online.
- Student Discount for Driver Training - Require your teen driver to successfully complete driver's ed class in high school.
- Driver Safety - Completing a course in defensive driver could save 5% or more and easily pay for the cost of the class.
It's important to note that some credits don't apply to the entire policy premium. Some only apply to the cost of specific coverages such as liability and collision coverage. So even though they make it sound like you would end up receiving a 100% discount, you're out of luck. Any qualifying discounts will help lower the amount you pay for coverage.
The information below shows the difference between Ford F-150 annual premium costs with and without policy discounts. The data is based on a female driver, no violations or accidents, California state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, multi-car, safe-driver, claim-free, and marriage discounts applied.
A few companies that have most of these discounts include:
If you are trying to find affordable Ford F-150 insurance quotes, ask all the companies which discounts they offer. A few discounts may not apply to policyholders in Fresno.
Independent or exclusive insurance agencies
A small number of people prefer to buy from a licensed agent. A nice benefit of getting free rate quotes online is the fact that drivers can get cheaper rates but also keep your business local.
To make it easy to find an agent, after completing this quick form, the quote information is transmitted to insurance agents in Fresno who can give free rate quotes for your insurance coverage. You won't need to search for any insurance agencies because quoted prices will be sent to the email address you provide. You'll get the best rates and a licensed agent to talk to. If for some reason you want to compare prices from a specific insurance company, you just need to jump over to their website and submit a quote form there.
Choosing the best insurer requires you to look at more than just a low price. These are some valid questions you should ask.
- Does the agency support the community they serve?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Do they specialize in personal lines auto insurance in Fresno?
- Is the quote a firm price?
- Will high miles depreciate repair valuations?
- Do they write coverage based solely on cost?
- Can you contact them at any time?
If you want a local Fresno insurance agency, you must know there are a couple different types of agents that differ in how they can insure your vehicles. Insurance policy providers can be described as either exclusive or independent agents depending on their company appointments.
Agents that elect to be exclusive have only one company to place business with such as American Family, State Farm, and AAA. Exclusive agents cannot compare other company's rates so they are skilled at selling on more than just price. Exclusive agents receive a lot of sales training on their company's products and that can be a competitive advantage.
Below are Fresno exclusive agents that can give you price quote information.
Independent Insurance Agents
Agents of this type are not locked into one company so they can quote policies with an assortment of companies and find the cheapest insurance rates. If you want to switch companies, the business is moved internally which is easy for the insured.
When searching for an agent, you should always include price quotes from several independent insurance agents to ensure the widest selection of prices.
Shown below is a list of independent insurance agencies in Fresno that can give you price quotes.
After talking to the agent and getting reasonable responses to any questions you may have and an affordable coverage quote, it's a good possibility that you have found a car insurance agent that can insure your vehicles.
Learn about car insurance coverages for a Ford F-150
Understanding the coverages of car insurance can be of help when determining which coverages you need and proper limits and deductibles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. These are the normal coverages found on the average car insurance policy.
Collision coverage - Collision coverage will pay to fix damage to your F-150 from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against claims like scraping a guard rail, hitting a parking meter and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible on your F-150 in order to get cheaper collision rates.
Liability - Liability coverage can cover injuries or damage you cause to people or other property in an accident. This insurance protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 15/30/5 which means $15,000 in coverage for each person's injuries, a limit of $30,000 in injury protection per accident, and a total limit of $5,000 for damage to vehicles and property.
Liability can pay for things such as legal defense fees, loss of income, bail bonds and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but you should buy as much as you can afford. California state law requires minimum liability limits of 15/30/5 but you should consider buying more coverage.
The next chart shows why minimum state limits may not be enough coverage.
Medical costs insurance - Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for funeral costs, pain medications, ambulance fees and X-ray expenses. They are used to fill the gap from your health insurance program or if you lack health insurance entirely. It covers all vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and may carry a deductible
Comprehensive or Other Than Collision - This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive insurance covers things like theft, falling objects, damage from getting keyed, hitting a deer and damage from flooding. The maximum amount you'll receive from a claim is the ACV or actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.
UM/UIM Coverage - This provides protection from other drivers when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle's occupants and also any damage incurred to your Ford F-150.
Due to the fact that many California drivers carry very low liability coverage limits (15/30/5), their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.
You can find cheap coverage
Cheaper auto insurance in Fresno can be sourced online in addition to many Fresno insurance agents, so you should compare both in order to have the best price selection to choose from. There are still a few companies who do not provide rate quotes online and these small, regional companies prefer to sell through local independent agents.
As you restructure your insurance plan, make sure you don't reduce coverage to reduce premium. There are a lot of situations where an insured cut uninsured motorist or liability limits and found out when filing a claim that it was a big mistake. The goal is to get the best coverage possible at the best possible price, not the least amount of coverage.
Much more information about auto insurance in California is available at these links:
- Frontal Crash Tests (iihs.org)
- How Much is Fresno Auto Insurance for Police Officers? (FAQ)
- Who Has Cheap Auto Insurance for College Graduates in Fresno? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for a Company Car in Fresno? (FAQ)
- What is Full Coverage? (Allstate)
- Booster Seat Ratings (iihs.org)
- Tread Depth and Tire Safety (State Farm)