To save the most money, the best way to get more affordable car insurance rates is to start comparing rates regularly from companies who provide auto insurance in San Francisco.
- First, learn about what is in your policy and the measures you can take to drop your rates. Many rating criteria that cause high rates like multiple speeding tickets and an unacceptable credit history can be improved by paying attention to minor details.
- Second, compare rates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only provide price estimates from a single company like GEICO or State Farm, while independent agencies can quote rates for a wide range of insurance providers.
- Third, compare the new rate quotes to your current policy premium to see if a cheaper price is available. If you find a better price, verify that coverage does not lapse between policies.
- Fourth, provide proper notification to your current company to cancel your current coverage. Submit the completed application along with a down payment to the new insurer. Immediately safely store the certificate of insurance in your glove compartment.
One key aspect when comparing rates is that you’ll want to compare similar coverage information on every quote and and to get price estimates from every company you can. This guarantees a fair rate comparison and a thorough price selection.
Amazingly, a recent NerdWallet.com study showed that nearly 70% of customers have remained with the same auto insurance company for a minimum of four years, and roughly 40% of drivers have never quoted auto insurance rates at all. The average driver in California could save an average of about $500 each year, but they just don’t want to compare rates and save money.
If you have coverage now, you will most likely be able to lower your rates using these tips. Our goal is to instruct you on the most effective ways to compare rates and some tricks to saving. But California vehicle owners benefit from understanding the way companies set your policy premium and take advantage of how the system works.
The best way we recommend to compare insurance rates from multiple companies is to realize almost all companies allow for online access to compare their rates. To get started, all you need to do is give them some information like your occupation, marital status, whether your vehicle is owned or leased, and your general credit rating. That information is then submitted to multiple top-rated companies and they return rate quotes very quickly.
If you wish to get multiple quotes for your car now, click here and find out if lower rates are available in San Francisco.
The car insurance companies shown below have been selected to offer quotes in California. If more than one company is shown, we suggest you get price quotes from several of them to get the cheapest price.
Choosing Subaru BRZ insurance is an important decision
Even though San Francisco BRZ insurance rates can get expensive, car insurance may be mandatory for several reasons.
- Just about all states have mandatory liability insurance requirements which means the state requires specific limits of liability insurance in order to drive the car 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.
- If you bought your vehicle with a loan, almost all lenders will require that you buy insurance to ensure they get paid if you total the vehicle. If you do not pay your insurance premiums, the bank or lender will purchase a policy for your Subaru at a much higher premium rate and force you to pay for it.
- Car insurance preserves your vehicle and your assets. It will also reimburse you for medical transport and hospital expenses incurred in an accident. Liability insurance, one of your policy coverages, will also pay for a defense attorney if anyone sues you for causing an accident. If mother nature or an accident damages your car, collision and comprehensive (also known as other-than-collision) coverage will cover the damage repairs after a deductible is paid.
The benefits of carrying adequate insurance outweigh the cost, particularly when you have a large claim. According to a survey of 1,000 drivers, the average driver is currently overpaying as much as $800 each year so compare quotes from several companies each time the policy renews to be sure current rates are still competitive.
These nine discounts can lower your car insurance rates
Car insurance companies don’t always advertise all discounts very well, so we took the time to find some of the more common and the more hidden credits that you can use to lower your rates.
- Low Mileage – Maintaining low annual mileage could qualify for lower rates due to less chance of an accident.
- Early Switch Discount – Some insurance companies reward drivers for switching companies prior to the expiration date on your current BRZ insurance policy. Ten percent is about the average savings.
- Seat Belts Save – Drivers who require all occupants to buckle up may be able to save a few bucks off the PIP or medical payment premium.
- Claim Free – Drivers with accident-free driving histories can earn big discounts as opposed to frequent claim filers.
- Good Student Discount – Excelling in school could provide a savings of up to 20% or more. Many companies even apply the discount to college students well after school through age 25.
- Passive Restraint Discount – Options like air bags and/or automatic seat belt systems may get savings as much as 30%.
- Policy Bundle Discount – When you have multiple policies with one company you could earn a discount of approximately 10% to 15%.
- Accident Forgiveness Coverage – Not a discount per se, but certain companies will allow you to have one accident before your rates go up if you have no claims for a particular time prior to the accident.
- Theft Deterrent System – Cars and trucks that have factory anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
We need to note that most credits do not apply to the entire cost. Most only reduce the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears it’s possible to get free car insurance, you’re out of luck. But all discounts will lower the amount you pay for coverage.
A few companies that may have these discounts are:
It’s a good idea to ask each company or agent how many discounts you can get. Discounts may not be available in your area. For a list of insurance companies that can offer you the previously mentioned discounts in San Francisco, click this link.
Which is the best insurance?
Always keep in mind that when comparing insurance from an agent or online for your vehicles, there is no one-size-fits-all type of policy. Everyone’s needs are different.
Here are some questions about coverages that can help discover if your situation could use an agent’s help.
- Are split liability limits better than a combined single limit?
- Is rental equipment covered for theft or damage?
- Do I pay less for low miles?
- When can I cancel my policy?
- Are my company tools covered if they get stolen?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
- Why is insurance for a teen driver so high in San Francisco?
- Am I covered if I drive in a foreign country?
- Why am I required to get a high-risk car insurance policy?
- Can I make deliveries for my home business?
If you’re not sure about those questions but a few of them apply, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form.