Auto Insurance Quotes for a Ford Fusion in San Francisco

Discount Ford Fusion insuranceIf you want to save money, the best way to find cheaper quotes for car insurance rates is to start doing a yearly price comparison from insurers who sell auto insurance in San Francisco.

One key aspect when comparing rates is that you’ll want to make sure you compare identical deductibles and limits on every quote request and and to analyze as many auto insurance providers as possible. Doing this helps ensure a fair price comparison and plenty of rates choose from.

We don’t have to tell you that car insurance companies want to keep you from comparing prices. Consumers who compare other prices are likely to switch auto insurance companies because there are good odds of finding a lower rate. A recent auto insurance study discovered that consumers who did price comparisons regularly saved $865 annually as compared to drivers who never compared other company’s rates.

If finding the cheapest rates on insurance is your objective, then having some knowledge of the best ways to shop for coverages can help simplify the process.

If you have coverage now or want to find a cheaper company, use these cost-cutting techniques to buy cheaper auto insurance while maintaining coverages. Buying the cheapest auto insurance in San Francisco seems hard but is not really that difficult. Smart shoppers just need to learn the quickest method to shop online.

Most major insurance companies like State Farm, Allstate and GEICO allow consumers to get prices for coverage from their websites. Getting quotes for Ford Fusion insurance in San Francisco is possible for anyone as you simply enter your required coverages into the form. When complete, their rating system orders your credit score and driving record and gives you a price quote determined by many factors. This makes it simple to compare prices and it is important to do this if you want to find the lowest possible payments on auto insurance.

In order to find out how much you’re overpaying now, compare quotes from the companies shown below. To compare your current rates, we recommend you replicate the limits and deductibles exactly as they are listed on your policy. This guarantees you will have a rate comparison based on the exact same insurance coverage.

The following companies provide free quotes in San Francisco, CA. If several companies are displayed, we recommend you get price quotes from several of them to find the most competitive auto insurance rates.

Here’s why car insurance is not optional

Even though it can be expensive, paying for car insurance may not be optional for several reasons.

The benefits of carrying enough insurance more than cancel out the cost, especially with large liability claims. An average driver in America overpays as much as $855 a year so you should quote rates at every renewal to make sure the price is not too high.

Analysis of Ford Fusion rates

The information shown next showcases estimates of prices for Ford Fusion models. Being able to understand how car insurance prices are determined can benefit drivers when making smart choices when selecting a policy.

Ford Fusion Insurance Rates in San Francisco, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $334 $662 $534 $32 $160 $1,722 $144
Fusion SE 4-Dr Sedan $378 $780 $534 $32 $160 $1,884 $157
Fusion Hybrid 4-Dr Sedan $378 $898 $668 $40 $200 $2,184 $182
Fusion SEL 4-Dr Sedan $378 $780 $534 $32 $160 $1,884 $157
Fusion Sport 4-Dr Sedan $378 $780 $534 $32 $160 $1,884 $157
Fusion SEL AWD 4-Dr Sedan $420 $898 $534 $32 $160 $2,044 $170
Fusion Sport AWD 4-Dr Sedan $420 $898 $534 $32 $160 $2,044 $170
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Data variables include single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Rates do not factor in your specific San Francisco location which can impact rates significantly.

Analysis of deductible levels

One frequently asked question is how high should the deductibles for physical damage be. The rates shown below can help show the cost difference of buying low and high insurance deductibles. The first price estimate table uses a $100 physical damage coverage deductible and the second set of rates uses a $500 deductible.

Ford Fusion insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $380 $686 $442 $26 $132 $1,691 $141
Fusion SE 4-Dr Sedan $430 $810 $442 $26 $132 $1,865 $155
Fusion Hybrid 4-Dr Sedan $430 $932 $552 $32 $166 $2,137 $178
Fusion SEL 4-Dr Sedan $430 $810 $442 $26 $132 $1,865 $155
Fusion Sport 4-Dr Sedan $430 $810 $442 $26 $132 $1,865 $155
Fusion SEL AWD 4-Dr Sedan $478 $932 $442 $26 $132 $2,035 $170
Fusion Sport AWD 4-Dr Sedan $478 $932 $442 $26 $132 $2,035 $170
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Ford Fusion insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $278 $464 $442 $26 $132 $1,342 $112
Fusion SE 4-Dr Sedan $314 $546 $442 $26 $132 $1,460 $122
Fusion Hybrid 4-Dr Sedan $314 $630 $552 $32 $166 $1,694 $141
Fusion SEL 4-Dr Sedan $314 $546 $442 $26 $132 $1,460 $122
Fusion Sport 4-Dr Sedan $314 $546 $442 $26 $132 $1,460 $122
Fusion SEL AWD 4-Dr Sedan $348 $630 $442 $26 $132 $1,578 $132
Fusion Sport AWD 4-Dr Sedan $348 $630 $442 $26 $132 $1,578 $132
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Rate information does not factor in garaging location in San Francisco which can impact premium rates greatly.

We can derive from the above data that using a $100 deductible costs about $35 more each month or $420 annually across all Ford Fusion models than buying the higher $500 deductible. Since you would pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you average more than 11 months between claim filings, you would more than likely save some money if you choose a higher deductible.

The chart below highlights how deductible selection and can influence Ford Fusion yearly insurance costs for different age groups of insureds. The premiums are based on a married female driver, comp and collision included, and no discounts are taken into consideration.

Lower-cost Ford Fusion insurance in San Francisco

Auto insurance is neither fun to buy or cheap, but you may find discounts that can drop the cost substantially. A few discounts will be applied at quote time, but some need to be specifically requested before they will apply.Cheaper auto insurance with discounts

Don’t be surprised that some credits don’t apply to the whole policy. Most only cut the price of certain insurance coverages like liability and collision coverage. Despite the fact that it seems like you can get free auto insurance, it just doesn’t work that way.

The illustration below compares Ford Fusion insurance costs with and without discounts applied to the rates. The costs are based on a female driver, no driving violations, no at-fault accidents, California state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, multi-policy, homeowner, marriage, and safe-driver discounts applied.

A list of companies and a summarized list of policyholder discounts include:

If you need lower rates, check with every prospective company the best way to save money. Discounts might not be available to policyholders in your area. If you would like to view insurers who offer auto insurance discounts in San Francisco, click this link.

When should I talk to a local insurance agent?

Certain consumers would rather talk to an insurance agent and doing so can bring peace of mind Professional insurance agents can make sure you are properly covered and help you file claims. One of the great benefits of getting free rate quotes online is you may find cheap insurance rates but still work with a licensed agent.

San Francisco insurance agentsBy using this simple form, the coverage information gets sent to companies in San Francisco who want to provide quotes for your business. It’s much easier because you don’t need to search for any insurance agencies due to the fact that quote results will go immediately to you. If you have a need to compare prices from a particular provider, you just need to visit that company’s website and complete a quote there.

Choosing the best insurer should include more criteria than just a low price. Any good agent in San Francisco should know the answers to these questions.

The difference between San Francisco auto insurance agents

If you want to buy insurance from local San Francisco agents, you must know there are a couple different types of agents and how they are slightly different. Agents in San Francisco can be classified as either exclusive or independent (non-exclusive). Both sell insurance policies, but it is a good idea to know the difference between them because it can impact which agent you choose.

Exclusive Insurance Agents

Agents that choose to be exclusive can only quote rates from one company and some examples include AAA, Allstate, and State Farm. These agents are unable to place coverage with different providers so they have no alternatives for high prices. These agents are well trained on their company’s products and that allows them to sell at a higher price point.

The following are exclusive insurance agencies in San Francisco willing to provide rate quotes.

188 S Park St #4San Francisco, CA 94107(415) 227-9833View Map

425 Market St #2252San Francisco, CA 94105(415) 292-8088View Map

756 Sacramento StSan Francisco, CA 94108(415) 956-4888View Map

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Independent Agencies or Brokers

Independent insurance agents often have many company appointments so they can quote policies through lots of different companies and find you cheaper rates. If premiums increase, an independent agent can move your coverage and you don’t have to do anything. When comparing insurance prices, it’s a good idea to compare quotes from several independent agencies to have the most options to choose from.

Shown below is a list of independent agencies in San Francisco that can give you price quotes.

2 Twin Peaks BlvdSan Francisco, CA 94114(415) 665-1440View Map

3150 California St Ste 4ASan Francisco, CA 94115(415) 922-7283View Map

1492 11th AveSan Francisco, CA 94122(415) 564-8829View Map

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Information about specific coverages

Having a good grasp of auto insurance can help you determine the right coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. These are typical coverage types offered by auto insurance companies.

Comprehensive (Other than Collision)

This coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things such as damage from flooding, damage from getting keyed, hitting a bird, theft and damage from a tornado or hurricane. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and also any damage incurred to your Ford Fusion.

Since a lot of drivers only purchase the least amount of liability that is required (15/30/5), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Collision insurance

Collision insurance pays for damage to your Fusion from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things like hitting a parking meter, hitting a mailbox and colliding with another moving vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to increase the deductible on your Fusion in order to get cheaper collision rates.


This coverage protects you from damage or injury you incur to other’s property or people in an accident. It protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 15/30/5 that means you have a limit of $15,000 per injured person, $30,000 for the entire accident, and a total limit of $5,000 for damage to vehicles and property.

Liability coverage protects against things such as repair bills for other people’s vehicles, funeral expenses, repair costs for stationary objects and loss of income. How much liability coverage do you need? That is your choice, but buy as large an amount as possible. California requires drivers to carry at least 15/30/5 but drivers should carry more coverage.

The chart below shows why buying the state minimum limits may not provide adequate coverage.

Medical expense insurance

Med pay and PIP coverage provide coverage for immediate expenses for nursing services, X-ray expenses, dental work and pain medications. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage

Quote often and quote early

As you go through the steps to switch your coverage, it’s very important that you do not sacrifice coverage to reduce premiums. In too many instances, someone sacrificed physical damage coverage and found out when filing a claim they didn’t have enough coverage. Your goal should be to buy the best coverage you can find for the lowest price, but don’t skip important coverages to save money.

Low-cost Ford Fusion insurance in San Francisco is definitely available both online and with local San Francisco insurance agents, and you should be comparing both to get a complete price analysis. Some companies don’t offer rate quotes online and many times these small, regional companies work with local independent agencies.

We just showed you many ideas to shop for Ford Fusion insurance online. It’s most important to understand that the more you quote San Francisco car insurance, the better chance you’ll have of finding inexpensive San Francisco car insurance quotes. Consumers could even find that the biggest savings come from a small mutual company. These companies may often insure only within specific states and give better rates compared to the large companies like Progressive or GEICO.

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