Want to learn how to buy low-cost Ford Fusion insurance in San Jose? Searching for better insurance prices for your Ford Fusion in California can normally be an all-consuming task, but you can learn our car insurance buying tips to find lower rates.
There are both good and bad ways to buy car insurance so we’re going to tell you the proper way to get price quotes for your Ford and find the lowest price either online or from San Jose insurance agents.
It’s smart to get comparison quotes periodically since insurance prices tend to go up over time. If you had the lowest rates on Ford Fusion insurance in San Jose last year the chances are good that you can find a lower rate quote today. There is a lot of bad advice regarding Fusion insurance online but we’re going to give you some proven techniques to reduce your car insurance bill.
Cheap San Jose Ford Fusion insurance quotes
Finding cheap Ford Fusion car insurance prices is a fairly straight forward process. The only thing you need to do is spend a few minutes on the computer comparing rates to find out which insurance company has inexpensive San Jose auto insurance quotes.
The following companies have been selected to offer comparison quotes in California. If the list has multiple companies, we suggest you compare several of them in order to get a fair rate comparison.
Ford Fusion insurance coverage information
The coverage table displayed below outlines estimates of policy rates for Ford Fusion models. Understanding more about how auto insurance prices are figured can assist in making informed purchases.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion S 4-Dr Sedan | $310 | $530 | $456 | $26 | $136 | $1,458 | $122 |
| Fusion SE 4-Dr Sedan | $350 | $624 | $456 | $26 | $136 | $1,592 | $133 |
| Fusion Hybrid 4-Dr Sedan | $350 | $718 | $568 | $34 | $170 | $1,840 | $153 |
| Fusion SEL 4-Dr Sedan | $350 | $624 | $456 | $26 | $136 | $1,592 | $133 |
| Fusion Sport 4-Dr Sedan | $350 | $624 | $456 | $26 | $136 | $1,592 | $133 |
| Fusion SEL AWD 4-Dr Sedan | $390 | $718 | $456 | $26 | $136 | $1,726 | $144 |
| Fusion Sport AWD 4-Dr Sedan | $390 | $718 | $456 | $26 | $136 | $1,726 | $144 |
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Table data represents married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Estimates do not factor in vehicle garaging location which can raise or lower prices substantially.
Irresponsible driving raises your rates
The chart below illustrates how traffic citations and fender-benders can increase Ford Fusion auto insurance rates for each different age group. The prices are based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are taken into consideration.
Rate comparison of men versus women
The diagram below compares Ford Fusion insurance costs for male and female drivers. The data is based on no violations or claims, comp and collision included, $500 deductibles, drivers are single, and no discounts are taken into consideration.
Full coverage versus liability-only in San Jose
The illustration below visualizes the comparison of Ford Fusion yearly insurance costs with full physical damage coverage and with liability coverage only. The premiums are based on no tickets, no at-fault accidents, $500 deductibles, drivers are single, and no discounts are factored in.
When to stop buying physical damage coverage
There is no specific rule that works best for making the decision to drop physical damage insurance, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is 10% or more of the vehicle’s replacement cost less your deductible, then you may want to consider only buying liability coverage.
For example, let’s pretend your Ford Fusion book value is $8,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, you would only receive $7,000 after the deductible is paid. If you are paying over $700 a year for full coverage, then you may want to consider only buying liability coverage.
There are a few cases where dropping physical damage coverage is not a good plan. If you haven’t paid off your loan, you have to maintain full coverage as part of the loan requirements. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should keep full coverage on your policy.
Protect more than your vehicle
Despite the high cost, paying for auto insurance may be mandatory for several reasons.
- Most states have minimum mandated liability insurance limits which means the state requires a specific level of liability protection if you want to drive legally. 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.
- If you took out a loan on your Fusion, it’s guaranteed your bank will force you to buy insurance to ensure they get paid if you total the vehicle. If coverage lapses or is canceled, the bank may buy a policy for your Ford at a much higher premium rate and require you to pay much more than you were paying before.
- Insurance protects not only your car but also your assets. Insurance will pay for medical expenses for both you and anyone you injure as the result of an accident. One of the most valuable coverages, liability insurance, also covers all legal expenses up to the policy limit if you are named as a defendant in an auto accident. If you have damage to your Ford as the result of the weather or an accident, comprehensive and collision coverage will pay to have it repaired.
The benefits of buying auto insurance outweigh the cost, particularly for liability claims. An average driver in America is currently overpaying as much as $865 each year so compare rate quotes at least once a year to save money.
Auto insurance coverages
Learning about specific coverages of a car insurance policy can be of help when determining appropriate coverage for your vehicles. Policy terminology can be difficult to understand and coverage can change by endorsement.
Auto liability insurance – Liability coverage will cover damages or injuries you inflict on people or other property by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 15/30/5 which stand for a limit of $15,000 per injured person, a limit of $30,000 in injury protection per accident, and property damage coverage for $5,000. Some companies may use a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.
Liability coverage pays for things such as court costs, funeral expenses and pain and suffering. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford. California requires minimum liability limits of 15/30/5 but drivers should carry higher limits.
The chart below shows why the minimum limit may not be high enough to cover claims.
Comprehensive auto coverage – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive insurance covers claims such as hail damage, theft, fire damage and rock chips in glass. The most a car insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for bills like chiropractic care, doctor visits, ambulance fees, dental work and nursing services. They are used in conjunction with a health insurance program or if there is no health insurance coverage. They cover you and your occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay
Collision coverage – Collision coverage will pay to fix damage to your Fusion resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder.
Collision coverage pays for claims like rolling your car, damaging your car on a curb, sustaining damage from a pot hole, crashing into a building and crashing into a ditch. This coverage can be expensive, so you might think about dropping it from older vehicles. It’s also possible to bump up the deductible on your Fusion to save money on collision insurance.
UM/UIM (Uninsured/Underinsured Motorist) coverage – This provides protection when other motorists do not carry enough liability coverage. Covered losses include hospital bills for your injuries and damage to your Ford Fusion.
Due to the fact that many California drivers only purchase the least amount of liability that is required (15/30/5 in California), it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Usually these coverages are identical to your policy’s liability coverage.