It goes without saying that auto insurance companies don’t want you to compare rates. Drivers who get comparison quotes once a year are highly likely to switch to a new company because they have good chances of finding more affordable rates. A study discovered that drivers who compared rates regularly saved $70 a month as compared to drivers who never shopped around for lower prices.
If finding the cheapest rates on auto insurance in Long Beach is why you’re reading this, then understanding the best ways to find and compare insurance coverage can save time, money, and frustration.
If saving the most money is your goal, then the best way to get the cheapest auto insurance rates is to regularly compare price quotes from insurers in Long Beach. Rates can be compared by following these steps.
- Step 1: Spend some time learning about individual coverages and the things you can control to prevent expensive coverage. Many risk factors that are responsible for high rates such as at-fault accidents and an unacceptable credit score can be eliminated by improving your driving habits or financial responsibility.
- Step 2: Get rate quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only provide price estimates from a single company like GEICO or State Farm, while independent agencies can provide rate quotes for many different companies.
- Step 3: Compare the new rate quotes to your existing policy to see if a cheaper rate is available in Long Beach. If you can save some money and change companies, make sure there is no lapse between the expiration of your current policy and the new one.
- Step 4: Notify your company or agent of your decision to cancel the current policy and submit the signed application along with the required initial payment to your new agent or company. As soon as you can, store the proof of insurance paperwork in an easily accessible location in your vehicle.
One thing to point out is that you use the same deductibles and limits on every quote request and and to look at as many different insurance providers as possible. Doing this enables an apples-to-apples comparison and a better comparison of the market.
Discount Long Beach car insurance quotes
Auto insurance companies don’t always advertise every discount in an easy-to-find place, so the following is a list of some of the more common in addition to some of the lesser obvious credits that you can use to lower your rates.
- Life Insurance Discount – Larger companies have a lower car insurance rate if you buy a life insurance policy as well.
- Responsible Driver Discount – Safe drivers can save up to 40% or more on their Long Beach car insurance quote than drivers with accidents.
- Pay Upfront and Save – By paying your policy upfront rather than paying in monthly installments you may have a lower total premium amount.
- Resident Student – Children who live away from home to go to college and won’t have access to an insured vehicle could get you a discount.
- Anti-theft Discount – Cars and trucks equipped with anti-theft or alarm systems can help prevent theft and will qualify for a discount on a Long Beach car insurance quote.
- Seat Belt Usage – Requiring all passengers to wear their seat belts can save up to 10 percent (depending on the company) off the personal injury premium cost.
- Clubs and Organizations – Having an affiliation with qualifying employment or professional organizations is a good way to get lower rates on car insurance.
- Long Beach Homeowners Discount – Owning your own home or condo can get you a discount because maintaining a house shows financial diligence.
- Low Miles Discount – Fewer annual miles on your Ford may enable drivers to earn substantially lower car insurance rates.
- Multi-policy Discount – When you combine your auto and homeowners insurance with the same insurance company you could earn a discount of at least 10 to 15 percent or more.
Consumers should know that some of the credits will not apply to your bottom line cost. The majority will only reduce individual premiums such as liability and collision coverage. Even though it appears you can get free auto insurance, nobody gets a free ride. But any discount should help lower your premiums.
The example below shows the comparison of Ford Fusion insurance costs with and without policy discounts. Data assumes a male driver, no accidents or driving violations, California state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, multi-policy, marriage, multi-car, and homeowner discounts applied.
A few popular companies and some of the discounts can be found below.
- American Family offers premium reductions for good driver, early bird, bundled insurance, air bags, and TimeAway discount.
- State Farm offers discounts for Steer Clear safe driver discount, driver’s education, anti-theft, passive restraint, student away at school, multiple policy, and Drive Safe & Save.
- 21st Century includes discounts for driver training, homeowners, anti-lock brakes, automatic seat belts, and air bags.
- Travelers may have discounts that include driver training, home ownership, hybrid/electric vehicle, early quote, save driver, payment discounts, and new car.
- GEICO may include discounts for multi-policy, federal employee, military active duty, defensive driver, anti-lock brakes, emergency military deployment, and multi-vehicle.
Before you buy a policy, ask all companies you are considering to apply every possible discount. Some credits may not be offered in Long Beach.
The method we recommend to compare insurance rates from multiple companies is to take advantage of the fact almost all companies will pay a fee to provide you with free rate quotes. The only thing you need to do is give them rating details like the make and model of your vehicles, whether you are single or married, if you are currently licensed, and if a SR-22 is required. Your rating data is instantly sent to insurance companies and they provide comparison quotes within a short period of time.
To start a rate quote now, click here and see if a lower rate is available in Long Beach.
The providers in the list below have been selected to offer free quotes in Long Beach, CA. If multiple companies are listed, it’s highly recommended you get prices from several of them to get a more complete price comparison.
Facts and figures for Ford Fusion insurance
The data table displayed next showcases detailed analysis of coverage costs for Ford Fusion models. Understanding more about how rates are figured is important to be able to make smart choices when buying a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion S 4-Dr Sedan | $366 | $776 | $574 | $34 | $172 | $1,922 | $160 |
| Fusion SE 4-Dr Sedan | $412 | $914 | $574 | $34 | $172 | $2,106 | $176 |
| Fusion Hybrid 4-Dr Sedan | $412 | $1052 | $718 | $42 | $214 | $2,438 | $203 |
| Fusion SEL 4-Dr Sedan | $412 | $914 | $574 | $34 | $172 | $2,106 | $176 |
| Fusion Sport 4-Dr Sedan | $412 | $914 | $574 | $34 | $172 | $2,106 | $176 |
| Fusion SEL AWD 4-Dr Sedan | $458 | $1052 | $574 | $34 | $172 | $2,290 | $191 |
| Fusion Sport AWD 4-Dr Sedan | $458 | $1052 | $574 | $34 | $172 | $2,290 | $191 |
| Get Your Own Custom Quote Go | |||||||
Table data represents single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Price estimates do not factor in specific Long Beach garaging location which can influence premium rates greatly.
Analysis of deductible levels
When shopping for insurance, a common question is how high should the physical damage coverage deductibles be. The following insurance rates outline the difference in cost between high and low deductibles. The first set of prices uses a $250 deductible for physical damage and the second rate chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion S 4-Dr Sedan | $342 | $576 | $442 | $26 | $132 | $1,543 | $129 |
| Fusion SE 4-Dr Sedan | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| Fusion Hybrid 4-Dr Sedan | $386 | $780 | $552 | $32 | $166 | $1,941 | $162 |
| Fusion SEL 4-Dr Sedan | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| Fusion Sport 4-Dr Sedan | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| Fusion SEL AWD 4-Dr Sedan | $430 | $780 | $442 | $26 | $132 | $1,835 | $153 |
| Fusion Sport AWD 4-Dr Sedan | $430 | $780 | $442 | $26 | $132 | $1,835 | $153 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion S 4-Dr Sedan | $210 | $362 | $442 | $26 | $132 | $1,172 | $98 |
| Fusion SE 4-Dr Sedan | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Fusion Hybrid 4-Dr Sedan | $238 | $490 | $552 | $32 | $166 | $1,478 | $123 |
| Fusion SEL 4-Dr Sedan | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Fusion Sport 4-Dr Sedan | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Fusion SEL AWD 4-Dr Sedan | $266 | $490 | $442 | $26 | $132 | $1,356 | $113 |
| Fusion Sport AWD 4-Dr Sedan | $266 | $490 | $442 | $26 | $132 | $1,356 | $113 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Table data does not factor in Long Beach location which can modify premium rates considerably.
Based on the above data, using a $250 deductible will cost you roughly $37 more each month or $444 for a full year across all Ford Fusion models than selecting the higher $1,000 deductible. Since you would pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to average more than 20 months between claims, you would probably save some money if you decide on a higher deductible.
Accidents and violations increase rates
The diagram below demonstrates how speeding tickets and accidents raise Ford Fusion insurance costs for different age groups. The premium estimates are based on a single female driver, full physical damage coverage, $250 deductibles, and no discounts are applied.
Full coverage or liability only
The illustration below compares Ford Fusion annual premium costs with full coverage and liability only. Data assumes a clean driving record, no claims, $100 deductibles, single marital status, and no discounts are applied.
When to eliminate full coverage
There isn’t a steadfast formula to exclude physical damage insurance, but there is a general convention. If the annual cost of your full coverage insurance is more than 10% of the settlement you would receive from your company, then it might be time to buy liability only.
For example, let’s say your Ford Fusion book value is $5,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most you would receive is $4,000 after the policy deductible has been paid. If you are paying more than $400 a year for comprehensive and collision coverage, then it might be time to consider dropping full coverage.
There are some situations where buying only liability insurance is not advised. 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 don’t have enough money to buy a different vehicle in the event your current vehicle is totaled, you should maintain full coverage.
How Your Fusion Insurance Costs are Determined
Smart consumers have a good feel for the factors that come into play when calculating the rates you pay for auto insurance. When you know what positively or negatively controls the rates you pay, this helps enable you to make changes that will entitle you to much lower annual insurance costs.
Annual mileage impacts premiums – The more you drive your Ford annually the more you’ll pay to insure it. Almost all companies calculate rates partially by how you use the vehicle. Vehicles that sit idle most of the time can get a lower rate than those that get driven frequently. It’s always a good idea to double check that your vehicle rating is rated on the correct usage, because improper ratings can cost you money. Having an incorrect usage rating on your Fusion can result in significantly higher rates.
Performance impacts insurance prices – The performance of the car you are insuring makes a significant difference in how high your rates are. Low performance passenger vehicles normally have pretty low rates, but the cost you end up paying is determined by many additional factors.
The data below uses these variables: single female driver age 40, full coverage with $500 deductibles, and no discounts or violations. The chart compares Ford Fusion policy rates compared to other vehicles that have a range of performance rating factors.
High auto insurance claims frequency drives up prices – If you are the type of insured that files lots of claims you can expect higher rates. Insurance companies in California provide the best rates to policyholders who do not rely on their insurance for small claims. Your car insurance is meant to be used in the event of more catastrophic claims.
Married drivers pay less – Having a spouse actually saves money on your policy. Having a significant other generally demonstrates drivers are more mature than a single person and statistics show married drivers get in fewer accidents.
Ford Fusion claim data – Insurers factor in insurance loss information in order to profitably underwrite each model. Vehicles that the data determines to have higher claim amounts or frequency will cost more to insure. The data below shows the collected loss data for Ford Fusion vehicles.
For each policy coverage type, the claim amount for all vehicles, regardless of make, model or trim level, equals 100. Numbers below 100 suggest a positive loss record, while values that are 100 or greater point to more frequent losses or tendency to have larger claims.
| Vehicle Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Ford Fusion 2WD | 110 | 95 | 108 | 116 | 111 | 105 |
| Ford Fusion 4WD | 115 | 85 | 120 | 88 | 77 | 71 |
| Ford Fusion Hybrid | 125 | 97 | 98 | 92 | 93 | 95 |
| Ford Fusion Plug-in Hybrid | 128 | 87 | 91 | 88 | 91 | 107 |
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Get rate quotes but buy from a local neighborhood Long Beach car insurance agent
Some people prefer to talk to a local agent and that can be a smart move Licensed agents can help you build your policy and help file insurance claims. A good thing about getting free rate quotes online is that drivers can save money and get the lowest rates and still choose a local agent.
For easy comparison, once you complete this simple form, your insurance data is submitted to local insurance agents that can provide free Long Beach car insurance quotes for your auto insurance coverage. There is no reason to search for an agent because prices are sent to your email. If you wish to get a price quote from a specific auto insurance provider, you would need to search and find their rate quote page to submit a rate quote request.
Picking the best company requires more thought than just a cheap quote. These are some questions your agent should answer.
- Can they provide you with a list of referrals?
- Will the company cover a rental car if your car is getting fixed?
- Are there any discounts for paying up front?
- Can glass repairs be made at your home?
- Does the agency have a current Errors and Omissions policy?
- How much can you save by raising your physical damage deductibles?
- How much experience to they have in personal lines coverages?
- When do they do a full risk review?
What types of auto insurance agents are in Long Beach?
If you want local Long Beach agents, it’s helpful to know the types of agencies and how they operate. Auto insurance agencies can be categorized as either independent or exclusive depending on the company they work for. Either can sell auto insurance policies, but it is a good idea to know the differences since it could factor into which type of agent you select.
Exclusive Agents
These agents are contracted to one company and examples are AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agents cannot compare rates from other companies so it’s a take it or leave it situation. These agents receive a lot of sales training on their products and sales techniques which helps offset the inability to provide other markets.
Shown below are Long Beach exclusive agents who may provide you with price quote information.
Allstate Insurance: Braden Palmer
5000 E Spring St Ste 390 – Long Beach, CA 90815 – (562) 425-5109 – View Map
Farmers Insurance: Doug Horn
1635 E Anaheim St – Long Beach, CA 90813 – (562) 591-3100 – View Map
Del Johnson – State Farm Insurance Agent
2642 N Los Coyotes Diagonal – Long Beach, CA 90815 – (562) 982-1444 – View Map
Independent Auto Insurance Agencies
Agents in the independent channel are normally appointed by many insurers and that allows them to write policies through many companies and help determine which has the cheapest rates. If your premiums go up, they simply move the coverage in-house which makes it simple for you.
If you need lower rates, you absolutely need to include price quotes from several independent insurance agents so that you have a good selection of quotes to compare.
The following are Long Beach independent agents that are able to give comparison quotes.
Lara Insurance
6689 Downey Ave – Long Beach, CA 90805 – (562) 408-2800 – View Map
Galaxy Insurance Service, Inc
2411 E Anaheim St – Long Beach, CA 90804 – (562) 438-7000 – View Map
C. Diamond Insurance Agency
5538 Long Beach Blvd – Long Beach, CA 90805 – (562) 428-4995 – View Map
Auto insurance protects more than just your car
Despite the high insurance cost for a Ford Fusion in Long Beach, buying auto insurance is required by state law in California and it also provides benefits you may not be aware of.
First, just about all states have minimum mandated liability insurance limits which means it is punishable by state law to not carry a specific minimum amount of liability coverage 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.
Second, if your car has a loan, most banks will have a requirement that you have full coverage to ensure they get paid if you total the vehicle. If you let the policy lapse, the bank or lender will purchase a policy for your Ford for a much higher rate and require you to pay for the expensive policy.
Third, insurance protects your Ford and 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 policy coverage, liability insurance, will also pay to defend you if you are sued as the result of your driving. If your vehicle suffers damage from an accident or hail, comprehensive and/or collision insurance will pay to repair the damage.
The benefits of buying enough insurance outweigh the cost, especially for larger claims. But the average American driver is currently overpaying as much as $800 each year so compare rates each time the policy renews to ensure rates are competitive.
Best auto insurance company in California
Ending up with the highest-rated auto insurance company is hard considering how many choices there are in California. The ranking data listed below could help you pick which companies to look at purchasing coverage from.
Top 10 Long Beach Car Insurance Companies Ranked by Value
- USAA
- American Family
- The Hartford
- AAA of Southern California
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Mercury Insurance
- Nationwide
Top 10 Long Beach Car Insurance Companies Ranked by Claims Service
- AAA of Southern California
- State Farm
- Esurance
- AAA Insurance
- Progressive
- Liberty Mutual
- GEICO
- Allstate
- Titan Insurance
- The Hartford
In Summary
We just covered many ideas to reduce Ford Fusion insurance car insurance rates online in Long Beach. The key thing to remember is the more providers you compare, the better your comparison will be. You may even discover the most savings is with the least-expected company. They may often insure only within specific states and give better rates than their larger competitors like GEICO and State Farm.
Some insurance companies don’t offer online rate quotes and many times these smaller providers sell through independent agents. Cost effective Ford Fusion insurance can be sourced on the web in addition to many Long Beach insurance agents, and you need to comparison shop both to have the best rate selection.
More information is available below:
- Frontal Crash Tests (iihs.org)
- Who Has Affordable Auto Insurance Quotes for a 20 Year Old Male in Long Beach? (FAQ)
- What Insurance is Cheapest for Teenage Males in Long Beach? (FAQ)
- Five Tips to Save on Auto Insurance (Insurance Information Institute)
- Booster Seat Ratings (iihs.org)
- What is Covered by GAP Insurance? (Allstate)