Lowest Auto Insurance Exclusively for Santa Rosa California Residents
Having to pay for overpriced auto insurance can empty your checking account and make it hard to pay other bills. Doing a price comparison is free, only takes a few minutes, and is a good way to make sure you’re not throwing money away.
Multiple insurance companies compete for your insurance dollar, and because of this it can be hard to compare car insurance companies to find the absolute best rates possible.
If you have car insurance now, you should be able to lower your premiums substantially using these methods. Choosing the best insurance company for you in Santa Rosa is quite easy. Nevertheless, California drivers do need to know how the larger insurance companies market on the web and take advantage of how the system works.
What determines how much you pay?
It’s important that you understand the factors that go into determining your auto insurance rates. When you know what positively or negatively impacts premium levels enables informed choices that may reward you with lower auto insurance prices.
Listed below are a partial list of the pieces auto insurance companies consider when setting rates.
- Clean credit earns discounts – Your credit score is a large factor in your rate calculation. Consumers who have high credit scores tend to be less risk to insure than drivers with lower credit scores. If your credit score is low, you could pay less to insure your by improving your credit score.
- Performance level impacts rates – The performance of the vehicle you own makes a substantial difference in the rate you pay. Low performance passenger vehicles usually have the lowest rates, but there are many factors that impact the final cost.
- Your spouse saves you money – Getting married can actually save you money on auto insurance. Marriage means you’re more mature it has been statistically shown that drivers who are married are more cautious.
- Don’t skimp on liability – Liability coverage will protect you if ever you are found liable for damages caused by your negligence. It will provide you with a defense in court which can be incredibly expensive. This coverage is very inexpensive when compared with rates for comp and collision, so do not cut corners here.
- Higher safety ratings means cheaper insurance – Vehicles with good safety scores get lower rates. These vehicles result in less severe injuries and fewer injuries translates into savings for insurance companies and more competitive rates for policyholders.
- Sex matters – Statistics have proven that men are more aggressive behind the wheel. However, don’t assume that men are WORSE drivers than women. Both sexes tend to get into accidents at a similar rate, but the male of the species cause more damage and cost insurance companies more money. Men also tend to have more aggressive citations such as DWI and reckless driving.
- Multi-policy discounts can save money – Many auto insurance companies provide better rates to customers who buy several policies from them. It’s known as a multi-policy discount. Discounts can add up to ten or even up to twenty percent in some cases. Even though this discount sounds good, you may still want to comparison shop to confirm you are receiving the best rates possible.
Take discounts and save
Insurance can cost an arm and a leg, but there could be available discounts that you may not know about. Most are applied when you complete an application, but lesser-known reductions have to be requested specifically before you will receive the discount.
- Federal Employees – Active or retired federal employment can earn a discount up to 10% with a few auto insurance companies.
- More Vehicles More Savings – Buying coverage for multiple cars or trucks on one policy qualifies for this discount.
- Save with a New Car – Buying coverage on a new vehicle can be considerably cheaper since new cars are generally safer.
- Senior Discount – Older drivers may qualify for reduced rates.
- No Claims – Drivers who don’t have accidents can earn big discounts when compared with accident-prone drivers.
- Paperless Signup – Some insurance companies may give you up to $50 for buying a policy and signing up online.
- Student in College – Children who attend school more than 100 miles from home without a vehicle on campus may be able to be covered for less.
- Life Insurance Discount – Larger companies have better rates if you take out auto and life insurance together.
- Multiple Policy Discount – When you combine your home and auto insurance with the same company you may earn at least 10% off all policies.
Drivers should understand that most discounts do not apply to the entire cost. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. So when it seems like you would end up receiving a 100% discount, companies don’t profit that way. But any discount will help reduce the cost of coverage.
What if I want to buy from a local Santa Rosa agent?
A small number of people would prefer to buy from a licensed agent and that is just fine! The biggest benefit of price shopping on the web is you can get lower rates and still choose a local agent. And providing support for local agencies is important especially in Santa Rosa.
To make it easy to find an agent, after completing this simple form, your insurance data is immediately sent to local insurance agents who will battle to get your business. You won’t need to leave your computer due to the fact that quote results will go to the email address you provide. How cool is that?! You can find better rates AND an agent nearby.
Different types of auto insurance agents in Santa Rosa
When researching an insurance agent, you need to know there are two types of insurance agents to choose from. Agencies in Santa Rosa are either independent (non-captive) or captive.
Independent Agencies or Brokers
These agents are not employed by any specific company so they have the ability to put coverage with multiple insurance companies depending on which coverage is best. If your agent finds better pricing, an independent agent can move your coverage and you don’t have to find a new agent. When comparison shopping, it’s a good idea to contact several independent insurance agents for the best price selection.
Below are Santa Rosa independent insurance agencies willing to provide pricing information.
Miller Agency – 2455 Bennett Valley Rd – Santa Rosa, CA 95404 – (707) 523-0541
Team Insurance – 1160 N Dutton Ave – Santa Rosa, CA 95401 – (707) 545-5989
Northwest Insurance Agency Inc – 418 B St # 100 – Santa Rosa, CA 95401 – (707) 573-1300
Auto Saver Plus Agency – 3581 Industrial Dr – Santa Rosa, CA 95403 – (707) 544-5088
Hodges and Russell Insurance Svc – 416 Aviation Blvd # E – Santa Rosa, CA 95403 – (707) 525-5710
Agency Captives
These agents write business for a single company such as State Farm, Allstate and AAA. These agents are not able to compare other company’s rates so they have no alternatives for high prices. They are well schooled in insurance sales and that can be a competitive advantage.
Below is a short list of captive insurance agencies in Santa Rosa who can help you get comparison quotes.
Farmers Insurance Group – 4860 Old Redwood Hwy – Santa Rosa, CA 95403 – (707) 544-5252
State Farm Insurance – 1425 Fulton Rd # 315 – Santa Rosa, CA 95403 – (707) 591-9600
Allstate Insurance – 2324 4th St – Santa Rosa, CA 95404 – (707) 573-1369
For a complete listing of Santa Rosa captive agencies, simply jump to this page.
Deciding on an insurance agent shouldn’t rely on just a low price. Some important questions to ask are:
- Are you getting all the discounts the company offers?
- How much will you save each year by using a higher deductible?
- Are claim adjusters local or do you have to take your car somewhere else?
- Which company do they place the most coverage with?
- Did they already check your driving record and credit reports?
- Is working in the agency their full-time job?
Upon receiving reasonable responses to all your questions and a good coverage price, most likely you have located an insurance agency that can properly service your auto insurance policy.
Is there truth in advertising?
Allstate and Progressive constantly bombard you with ads on television and other media. All the companies make an identical promise that you can save if you switch to their company. How do they all claim to save you money?
All the different companies can use profiling for the type of customer that makes them money. For instance, a driver they prefer could be between 30 and 50, has no tickets, and has a high credit rating. A customer that hits that “sweet spot” receives the best rates and most likely will save quite a bit of money when switching.
Drivers who don’t qualify for this ideal profile will have to pay higher rates and this can result in business going elsewhere. The ads say “drivers who switch” but not “drivers who get quotes” save that much. That’s the way companies can truthfully advertise the way they do.
Because of the profiling, you need to quote coverage with many companies. Because you never know which insurance companies will provide you with the cheapest rates.
More sites with auto insurance information
Additional auto insurance information is located on the website for the California Department of Insurance through this link. California drivers can find disaster information, learn about insurance regulations, find out industry alerts, and file complaints about a company.
The following information may also be useful.
Smart shoppers get results
We just presented some good ideas how to lower your auto insurance rates. The most important thing to understand is the more you quote, the better chance you’ll have of finding lower rates. You may even discover the biggest savings come from the least-expected company. These companies may only write in your state and offer lower rates than the large multi-state companies such as State Farm or Progressive.
As you prepare to switch companies, it’s a bad idea to buy lower coverage limits just to save a few bucks. In too many instances, drivers have reduced physical damage coverage only to regret that they should have had better coverage. Your aim should be to buy the best coverage you can find for the lowest price.
Cheap auto insurance is definitely available on the web as well as from independent agents in Santa Rosa, so compare prices from both so you have a total pricing picture. There are still a few companies who don’t offer online quoting and these regional insurance providers work with independent agents.