Who Has Affordable Auto Insurance for a Ford Fusion in Long Beach?

Buying economical coverage for a Ford Fusion is pretty easy to do, but it depends on a lot of factors such as your financial responsibility, your profession, and if you have tickets or violations. Drivers pay approximately $1,876 a year to insure their Fusion, but that price is an estimation using a 30-year-old single female driver with both comprehensive and collision coverage and $250 deductibles.

The issue with using an average estimated rate is the likelihood you aren’t exactly 30 years old or even a female, you might be married instead of single, or you just prefer to insure for liability only. Just a minor difference in rating criteria or coverage limits can result in a massive change in how much insurance for a Ford Fusion costs.

Auto insurance is unique to each driver, so the best method for finding the most affordable coverage for your Ford is to compare rates from as many companies as possible. Comparing quotes is easy and you will get price quotes from the cheapest companies that offer coverage in California.

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Vehicle trim level tends to have a direct effect on price, so the price you will be charged to insure a Fusion S 4-Dr Sedan will cost $350 less than the cost to insure the more costly Fusion Sport AWD 4-Dr Sedan model, as shown in the table below.

Ford Fusion Insurance Rates in Long Beach, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $378 $708 $596 $36 $178 $1,896 $158
Fusion SE 4-Dr Sedan $428 $834 $596 $36 $178 $2,072 $173
Fusion Hybrid 4-Dr Sedan $428 $960 $746 $44 $224 $2,402 $200
Fusion SEL 4-Dr Sedan $428 $834 $596 $36 $178 $2,072 $173
Fusion Sport 4-Dr Sedan $428 $834 $596 $36 $178 $2,072 $173
Fusion SEL AWD 4-Dr Sedan $476 $960 $596 $36 $178 $2,246 $187
Fusion Sport AWD 4-Dr Sedan $476 $960 $596 $36 $178 $2,246 $187
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Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Premium amounts do not factor in vehicle location which can change price quotes substantially.

Determining which insurers offer the lowest-priced insurance rates for a Ford Fusion will take more time than just comparing rates from one or two companies. Each auto insurer has their own guidelines to set premium rates, so we’ll go over the most competitive insurance companies in Long Beach.

It’s a good idea to know that Long Beach, CA insurance rates are determined by lots of factors that control the price you have to pay for coverage. Simply getting older, having a teen driver, or getting caught speeding can trigger price changes that may make certain companies more affordable than others.

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Rankings for the cheapest California auto insurance companies
Rank Company Cost Per Year
1 USAA $1,109
2 Wawanesa $1,157
3 CSAA $1,186
4 Century National $1,226
5 Nationwide $1,250
6 21st Century $1,366
7 Grange $1,491
8 Mercury $1,503
9 GEICO $1,513
10 Progressive $1,558
11 Allstate $1,559
12 Allied $1,588
13 MetLife $1,606
14 The Hartford $1,623
15 State Farm $1,682
16 Esurance $1,688
17 Unitrin $1,699
18 Bristol West $1,777
19 Travelers $1,842
20 Farmers $2,006
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USAA normally has some of the most affordable car insurance rates in Long Beach at around $1,109 each year. Wawanesa, CSAA, Century National, and Nationwide also qualify as some of the cheaper Long Beach, CA auto insurance companies.

In the above rates, if you are a policyholder with Century National and switched to Wawanesa, you could earn annual savings of in the neighborhood of $69. California drivers with Nationwide might save as much as $93 a year, and 21st Century insureds might lower prices by $209 a year.

Bear in mind that those policy rates are averages across all drivers and vehicles in California and do not take into consideration a specific location for a Ford Fusion. So the auto insurance company that can offer you the lowest price may not even be in the top 24 companies in the list above. That illustrates why you need to get rate quotes using your own personal information and vehicle type.

Poor driving habits will raise your insurance rates

The obvious way to get affordable insurance rates for a Fusion is to be an attentive driver and not have accidents or get tickets. The example below demonstrates how traffic citations and at-fault collisions can influence car insurance rates for each age group. The premiums assume a single male driver, comp and collision included, $1,000 deductibles, and no other discounts are factored in.

The data above shows the average cost of a car insurance policy in Long Beach per year with no accidents or violations is $2,768. Factor in one speeding ticket and the average cost jumps to $3,126, an increase of $358 each year. Now add two accidents along with the one speeding ticket and the 12-month cost of insurance for a Ford Fusion jumps again to an average of $6,491. That’s an increase of $3,723, or $310 per month, just for not driving attentively!

The chart below highlights how deductible selection can influence annual premium costs when trying to find cheap insurance for a Ford Fusion. The price estimates are based on a single male driver, full coverage, and no discounts are applied.

As shown above, a 40-year-old driver could lower rates by $506 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $762 by choosing a $1,000 deductible. Young drivers, like the Age 20 category, could reduce their rates $1,674 or more just by choosing higher deductibles when buying full coverage. When using a larger deductible, it’s a good idea to have spare funds to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

The importance of shopping around

Long Beach insurance rates are calculated based on many things which can substantially change the cost of a policy. Improving your credit rating, marrying your spouse, or having an at-fault accident can trigger price changes resulting in some companies being cheaper than before. Not only may things change on your end, but insurance companies file new California car insurance rates every year or even multiple times each year in order to protect their financial rating. An unexpected high level of claims can result in more expensive premiums, while profitable underwriting may cause lower-cost Fusion insurance rates.

The data below shows rates for the cheapest car insurance in Long Beach, CA for a 35-year-old male driver with no accidents or violations, and a high credit rating. When comparing rates based on his current rating profile, USAA offers the best car insurance rates in Long Beach at $1,384 annually. This is $267 less than the average rate paid by California drivers of $1,651. Century National, Wawanesa, Nationwide, and CSAA are also on the list of the cheapest Long Beach, CA auto insurance companies.

Let’s now give the driver in the first chart a chargeable claim, bad credit, and a traffic ticket or two. Since each insurance company uses their own formula for filing rates in each state, comparing quotes may result in a different list of affordable companies as shown below.

Grange now has the cheapest auto insurance in Long Beach with Progressive, Allstate, GEICO, and Mercury also being competitive. This illustrates why it is important to take the time to shop around when trying to get the most affordable insurance quotes for a Ford Fusion. Prices can be altered by many different factors and change substantially, so the most economical company the last time you compared rates may now be quite expensive.

How to find budget-friendly auto insurance for a Ford Fusion

It is possible to find better rates, and here are a few money-saving solutions that can help you find cheap auto insurance.

That last tip is certainly important, as we pointed out in the prior article. Car insurance rates change a lot, so don’t be afraid to buy from a different company if a cheaper rate is available. Having brand loyalty is commendable, but it’s not a great idea if that devotion results in you overpaying a lot of money. Take a couple minutes and compare prices and find cheaper insurance for a Ford Fusion in Long Beach.