It’s safe to conclude that car insurance companies don’t want their customers to go rate shopping. Insureds who compare other rates will presumably buy a new policy because of the high probability of finding a lower rate. A survey found that people who compared rates annually saved about $865 annually compared to other drivers who never shopped around for better prices.
If finding the lowest price on auto insurance in Long Beach is your objective, then having a good understanding how to find companies and compare cheaper coverage can help you succeed in finding affordable rates.
The recommended way to find affordable Ford Fusion Hybrid insurance in Long Beach is to compare quotes annually from insurance carriers that insure vehicles in California. Drivers can shop around by following these steps.
Step 1: Try to learn about how insurance works and the measures you can take to lower rates. Many rating criteria that result in higher rates such as high-risk driving behaviors and a negative credit rating can be amended by making small lifestyle or driving habit changes.
Step 2: Quote rates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only quote rates from a single company like Progressive or Allstate, while independent agents can provide price quotes for a wide range of insurance providers.
Step 3: Compare the price quotes to the price on your current policy and see if you can save money. If you find a lower rate, make sure the effective date of the new policy is the same as the expiration date of the old one.
A valuable tip to remember is to make sure you enter similar limits and deductibles on each quote and and to look at as many companies as you can. Doing this ensures a fair rate comparison and a complete price analysis.
If you’re already insured or are looking for a new policy, follow these tips to reduce premiums and still get good coverage. Buying the cheapest car insurance in Long Beach can be easy if you know a few tricks. Drivers just have to know the best way to compare price quotes online.
Get cheaper Ford Fusion Hybrid insurance rates in Long Beach
Insurance can cost an arm and a leg, but you might be missing out on some discounts that many people don’t even know exist. Most are applied at the time you complete a quote, but a few must be specifically requested prior to getting the savings. If you aren’t receiving every discount possible, you may be paying too high a price.
- Service Members Pay Less – Being on active deployment in the military could be rewarded with lower premium rates.
- Federal Employees – Employees or retirees of the government could provide a small rate reduction with select insurance companies.
- College Student Discount – Any of your kids who attend college more than 100 miles from Long Beach and don’t have a car could qualify for this discount.
- Theft Deterrent – Cars, trucks, and SUVs that have factory anti-theft systems are less likely to be stolen and that can save you a little bit as well.
- Organization Discounts – Affiliation with qualifying clubs or civic groups is a good way to get lower rates when getting a Long Beach car insurance quote.
- First Accident Forgiveness – Not really a discount, but some companies like State Farm and Progressive will allow you to have one accident before your rates go up if your claims history is clear prior to the accident.
- Telematics Data – Drivers that enable data collection to track driving manner by using a telematics device in their vehicle such as Progressive’s Snapshot could see a rate decrease as long as they are good drivers.
- Defensive Driver – Taking a course that instructs on driving safety may get you a small discount and easily pay for the cost of the class.
- New Car Discount – Buying a new car instead of a used Fusion Hybrid can cost up to 25% less due to better safety requirements for new vehicles.
- Paperwork-free – A few auto insurance companies will discount your bill up to fifty bucks for completing your application on the internet.
One last thing about discounts, most credits do not apply to the overall cost of the policy. Most only apply to individual premiums such as medical payments or collision. So when the math indicates having all the discounts means you get insurance for free, it doesn’t quite work that way.
The illustration below visualizes the comparison of Ford Fusion Hybrid insurance prices with and without discounts applied. The price estimates are based on a male driver, no tickets, no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, claim-free, multi-policy, safe-driver, and marriage discounts applied.
The best auto insurance companies and some of their more popular discounts are shown below.
- Travelers discounts include good student, continuous insurance, hybrid/electric vehicle, driver training, new car, and multi-car.
- 21st Century includes discounts for theft prevention, defensive driver, student driver, homeowners, early bird, 55 and older, and driver training.
- State Farm has savings for Drive Safe & Save, Steer Clear safe driver discount, good driver, driver’s education, and multiple autos.
- GEICO may have discounts that include daytime running lights, driver training, federal employee, air bags, military active duty, and multi-vehicle.
- SAFECO policyholders can earn discounts including accident prevention training, homeowner, anti-theft, bundle discounts, and teen safe driver.
- AAA may include discounts for multi-car, pay-in-full, good student, anti-theft, education and occupation, and good driver.
When quoting, ask all the companies which discounts they offer. Some discounts listed above may not be available in Long Beach. To see insurers with discount auto insurance rates in California, click here to view.
The easiest way to get rate comparisons for Ford Fusion Hybrid insurance in Long Beach is to know the trick all the major auto insurance companies participate in online systems to compare their rates. To start a quote, the only thing you need to do is provide information like if the vehicle is leased, if you have an active license, your occupation, and distance driven. The rating information is then sent to all major companies and you get price estimates instantly.
To check car insurance prices now, click here then complete the form.
The car insurance companies shown below are our best choices to provide price comparisons in California. If you want to find the best car insurance in California, it’s highly recommended you compare several of them to get a more complete price comparison.
Ford Fusion Hybrid detailed coverage information
The information below outlines detailed analysis of coverage costs for Ford Fusion Hybrid models. Knowing how rates are established can help you make informed purchases.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion Hybrid 4-Dr Sedan | $358 | $630 | $724 | $42 | $216 | $1,970 | $164 |
| Get Your Own Custom Quote Go | |||||||
Data variables include single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Table data does not factor in zip code location which can raise or lower prices substantially.
Choosing deductibles
A question often asked by Long Beach drivers is where should you set your physical damage deductibles. The comparisons below outline the cost difference between low and high insurance deductibles. The first data set uses a $100 deductible and the second pricing table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion Hybrid 4-Dr Sedan | $430 | $932 | $552 | $32 | $166 | $2,137 | $178 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion Hybrid 4-Dr Sedan | $238 | $490 | $552 | $32 | $166 | $1,478 | $123 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Premium costs do not factor in specific garaging location which can raise or lower insurance rates significantly.
Based on this data, using a $100 deductible costs an average of $55 more each month or $660 a year across all Ford Fusion Hybrid models than opting for the higher $1,000 deductible. Since you would pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you normally go at a minimum 16 months between claim filings, you would probably be better off if you opt for a higher deductible.
Illustration showing the impact of accidents and violations
The information below highlights how speeding tickets and accident claims increase Ford Fusion Hybrid insurance rates for each age group. The premiums are based on a married female driver, full physical damage coverage, $1,000 deductibles, and no policy discounts are applied.
Car insurance rates by gender and age
The information below illustrates the comparison of Ford Fusion Hybrid insurance rates for male and female drivers. The premiums are based on a clean driving record, no claims, comprehensive and collision coverage, $1,000 deductibles, drivers are single, and no other discounts are factored in.
Six factors that influence insurance prices
An important part of buying insurance is that you know the factors that play a part in calculating your premiums. When you understand what controls the rates you pay, this empowers consumers to make smart changes that could help you find lower rates. Many things are considered when pricing auto insurance. Some are obvious like your driving record, but other factors are more transparent like your vehicle usage or your commute time.
Shown below are a partial list of the pieces used by companies to determine your rate level.
Too many policy claims drive up premiums – If you are a frequent claim filer, you can look forward to much higher rates or policy non-renewal. Insurance companies in California give most affordable rates to people who only file infrequent claims. Auto insurance is intended for the large, substantial claims.
Teenagers are high risk – Drivers with little experience have a tendency to be less responsible when driving with friends so auto insurance rates are higher. Parents adding a young driver onto your auto insurance can break the bank. More mature drivers tend to be more responsible, tend to file fewer claims, and are safer drivers.
The chart below assumes a single driver, full coverage with $1000 deductibles, and no discounts or violations.
Uninterrupted coverage lowers premiums – Driving without insurance coverage in place is against the law and as a result your rates will increase for letting your insurance coverage expire. In addition to paying higher rates, getting caught without coverage will get you a license revocation or jail time.
Annual miles impacts premiums – The more miles you rack up on your Ford each year the higher your rates will be. Many insurance companies apply a rate based on how the vehicle is used. Vehicles used primarily for pleasure use cost less to insure as compared to vehicles used primarily for driving to work. Double check that your auto insurance policy states how each vehicle is driven, because improper ratings can cost you money. Improper usage on your Fusion Hybrid may be costing you higher rates.
Your address can modify price – Residing in a small town can save you money when trying to find low car insurance rates. Residents of big cities have congested traffic and higher rates of accident claims. Fewer drivers and short commutes corresponds to lower accident rates and a lower car theft rate.
You might get higher prices if you are single – Having a significant other may earn you lower rates on your auto insurance policy. Having a significant other demonstrates that you tend to be more mature and responsible and statistics show married couples file fewer claims.
Insurance loss data for Ford Fusion Hybrid vehicles – Insurance companies include the past claim trends for vehicles to help set a rate to offset losses. Vehicles that are shown to have higher loss trends will be charged more to insure. The next table illustrates the loss history for Ford Fusion Hybrid vehicles.
For each policy coverage type, the claim probability for all vehicles averaged together is a value of 100. Percentage values below 100 suggest a better than average loss history, while percentages above 100 point to more claims or an increased chance of larger losses than average.
| Vehicle Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Ford Fusion Hybrid | 125 | 97 | 98 | 92 | 93 | 95 |
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Do I need an agent?
Many drivers would rather visit with an insurance agent and that is recommended in a lot of cases Agents are highly skilled in risk management and will help you if you have claims. A good thing about getting online price quotes is you may find better rates and also buy local. Putting coverage with neighborhood agents is important particularly in Long Beach.
To find an agent, once you fill out this simple form, the coverage information is sent to insurance agents in Long Beach who will give you bids to get your business. You never need to do any legwork since price quotes are sent immediately to you. If you wish to compare prices from one company in particular, you would need to visit that company’s website and give them your coverage information.
Types of car insurance agents
If you are wanting to find an insurance agent, there are a couple of different types of agencies and how they work. Insurance policy providers are either exclusive or independent. Either can sell insurance policies, but it’s worth mentioning the difference in how they write coverage because it can impact your agent selection.
Independent Agents
Independent agents are not limited to a single company and that enables them to quote your coverage with lots of companies and find you the best rates. If you are not satisfied with one company, your agent can just switch to a different company and that require little work on your part. When shopping rates, you definitely need to get several quotes from several independent agencies to have the best price comparison.
Listed below is a small list of independent agents in Long Beach that may be able to provide comparison quotes.
Fox Benefits Insurance Agency
5175 E Pacific Coast Hwy #304 – Long Beach, CA 90804 – (562) 735-3125 – View Map
Kelly Williams Insurance Agency, Inc.
4400 Pacific Coast Hwy – Long Beach, CA 90804 – (562) 498-8661 – View Map
Adriana’s Insurance Services Inc
1075 E Pacific Coast Hwy – Long Beach, CA 90806 – (562) 344-9222 – View Map
Exclusive Agencies
Exclusive agents normally can only provide a single company’s rates like Allstate and State Farm. Exclusive agents cannot provide other company’s prices so you might not find the best rates. Exclusive agents are highly trained on their company’s products and that enables them to sell even at higher rates.
The following are Long Beach exclusive insurance agencies that can give you price quote information.
State Farm: Steve Dwight
4625 E Anaheim St – Long Beach, CA 90804 – (562) 494-4494 – View Map
Vali De Vries – State Farm Insurance Agent
1777 N Bellflower Blvd #111 – Long Beach, CA 90815 – (562) 494-7700 – View Map
Joe Lopez Jr – State Farm Insurance Agent
5199 Pacific Coast Hwy Ste 616 – Long Beach, CA 90804 – (562) 597-5547 – View Map
Finding the right insurance agent is decision based upon more than just a low price. Get answers to these questions too.
- Will a damage claim use OEM or aftermarket replacement parts?
- In the event of vehicle damage, can you pick the collision repair facility?
- Is the agent properly licensed in California?
- Is there a Errors and Omissions policy in force?
- Which insurance company do they prefer to write with?
- Are claim adjusters local or do you have to take your car somewhere else?
If you get satisfactory answers to these questions as well as affordable Ford Fusion Hybrid insurance rates in Long Beach quotes, chances are good that you have found an insurance agency that can be trusted to adequately provide insurance. Just understand that once you purchase a policy you can terminate your policy whenever you wish so don’t feel that you’re stuck with a specific agent with no way to switch.
Car insurance does more than just protect your car
Despite the high cost of buying insurance for a Ford Fusion Hybrid in Long Beach, buying car insurance is not optional due to several reasons.
- The majority of states have minimum mandated liability insurance limits which means you are required to carry specific limits of liability coverage in order to license the vehicle. 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 have a loan on your Ford Fusion Hybrid, it’s most likely the lender will require that you have full coverage to guarantee their interest in the vehicle. If you cancel or allow the policy to lapse, the bank may buy a policy for your Ford at a more expensive rate and make you pay the higher price.
- Car insurance preserves both your assets and your vehicle. It will also pay for most medical and hospital costs for both you and anyone you injure as the result of an accident. Liability coverage, the one required by state law, also pays for attorney fees and expenses if anyone sues you for causing an accident. If your car is damaged in a storm or accident, comprehensive and collision coverage will pay all costs to repair after the deductible has been paid.
The benefits of buying car insurance more than offset the price you pay, especially with large liability claims. The average driver in America is currently overpaying as much as $855 a year so compare rates at least once a year to save money.
Long Beach auto insurance companies
Selecting a highly-rated company can be challenging considering how many companies sell coverage in Long Beach. The ranking data listed below can help you analyze which auto insurance companies to look at when comparing rate quotes.
Top 10 Long Beach Car Insurance Companies by A.M. Best Rank
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Top 10 Long Beach Car Insurance Companies Ranked by Customer Service
- AAA of Southern California
- GEICO
- State Farm
- The Hartford
- Mercury Insurance
- The General
- Progressive
- Allstate
- AAA Insurance
- American Family
Affordable auto insurance is out there
As you prepare to switch companies, make sure you don’t buy less coverage just to save a little money. In too many instances, someone sacrificed physical damage coverage and found out when filing a claim that the few dollars in savings costed them thousands. Your goal should be to get the best coverage possible for the lowest price while still protecting your assets.
Cheap Ford Fusion Hybrid insurance in Long Beach is definitely available from both online companies in addition to local insurance agencies, so you need to shop Long Beach car insurance with both in order to have the best chance of saving money. Some insurance providers don’t offer price quotes online and usually these smaller providers provide coverage only through independent insurance agents.
You just learned quite a bit of information on how to reduce Ford Fusion Hybrid insurance car insurance rates online in Long Beach. The key concept to understand is the more rate quotes you have, the higher the chance of saving money. Drivers may even discover the lowest car insurance rates come from a smaller regional carrier. Smaller companies may cover specific market segments cheaper than the large multi-state companies such as Allstate or State Farm.
More detailed auto insurance information can be read in the articles below:
- Parking Tips to Reduce Door Dings (State Farm)
- What Auto Insurance is Cheapest for a Toyota Tacoma in Long Beach? (FAQ)
- A Tree Fell on Your Car: Now What? (Allstate)
- Protect Yourself Against Auto Theft (Insurance Information Institute)
- Safety Belts FAQ (iihs.org)
- Tread Depth and Tire Safety (State Farm)