If saving the most money is your goal, then the best way to find lower priced auto insurance rates in San Francisco is to make a habit of regularly comparing prices from insurers in California. Rates can be compared by following these steps.
- Try to learn a little about what coverages are included in your policy and the factors you can control to keep rates down. Many things that result in higher rates such as tickets, at-fault accidents, and your credit history can be improved by making minor driving habit or lifestyle changes. Keep reading for more details to prevent high rates and earn a bigger discount.
- Request price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only quote rates from one company like Progressive or Farmers Insurance, while independent agents can give you price quotes for many different companies.
- Compare the new rates to your existing coverage to see if switching to a new carrier will save money. If you find a lower rate and decide to switch, ensure coverage does not lapse between policies.
- Provide notification to your current company of your intent to cancel the current policy. Submit payment and a completed application to your new company or agent. Once received, place the new certificate verifying proof of insurance in a readily accessible location in your vehicle.
An essential thing to point out is to try to compare identical coverages on every quote and and to get quotes from all possible companies. This ensures a fair rate comparison and a thorough selection of prices.
Unimaginable but true, almost 70% of insureds have bought car insurance from the same company for four years or more, and nearly half have never shopped around. Many drivers in San Francisco can save hundreds of dollars each year by just comparing rate quotes, but they just assume it’s a time-consuming process to shop around.
If you’re already insured or are looking for a new policy, use these cost-cutting techniques to reduce the price you pay and still have adequate protection. Finding the cheapest auto insurance coverage in San Francisco is actually very simple if you learn how to start. You only need an understanding of the tricks to buy auto insurance from many companies at once.
Finding a lower price on insurance is not rocket science. The only thing you need to do is take a few minutes getting comparison quotes to discover which company has affordable San Francisco car insurance quotes.
Getting free rates online is quite simple, and it takes the place of having to actually drive to different agent offices. The fact that you can get quotes online reduces the need to sit down with an agent unless you prefer the professional assistance that can only be provided by a licensed insurance agent. Although, it is possible price shop your coverage online but buy from a local insurance agent.
The companies in the list below are ready to provide price quotes in San Francisco, CA. If more than one company is shown, we recommend you visit several of them to find the cheapest auto insurance rates.
Cut your insurance rates with these eight discounts
Some providers do not advertise the entire discount list in an easy-to-find place, so the below list has a few of the more well known and the more hidden discounts you could be receiving when you buy San Francisco car insurance online.
- Student Discount for Driver Training – Cut your cost by having your teen driver take driver’s ed class in school or through a local driver safety program.
- Save over 55 – If you qualify as a senior citizen, you could receive a slight reduction on a San Francisco car insurance quote.
- Anti-theft Discount – Cars and trucks equipped with anti-theft or alarm systems have a lower chance of being stolen and therefore earn up to a 10% discount.
- Savings for New Vehicles – Buying insurance on a new vehicle can save you some money due to better safety requirements for newer models.
- Anti-lock Brakes – Anti-lock brake equipped vehicles are safer to drive so you can save 10 percent or more.
- Sign Early and Save – Some companies reward drivers for buying a policy prior to your current Sportage insurance policy expiring. It’s a savings of about 10%.
- No Claims – Insureds with no claims or accidents pay much less as compared to accident-prone drivers.
- Low Mileage Discounts – Low annual miles could qualify for discounted rates on garaged vehicles.
You should keep in mind that some credits don’t apply to your bottom line cost. Most only cut the cost of specific coverages such as comp or med pay. If you do the math and it seems like you can get free auto insurance, it doesn’t quite work that way. But any discount should help reduce the amount you pay for coverage.
The illustration below compares Kia Sportage insurance costs with and without discounts. The rate quotes are based on a female driver, no tickets, no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, marriage, homeowner, safe-driver, and claim-free discounts applied.
If you would like to view insurance companies who offer online Kia Sportage insurance quotes in San Francisco, click this link.
Kia Sportage detailed coverage information
The premium information displayed below showcases a range of insurance prices for Kia Sportage models. Having a good grasp of how prices are determined can be of help when making smart choices when choosing a car insurance company.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sportage LX 2WD 4-Dr | $256 | $488 | $500 | $30 | $150 | $1,424 | $119 |
| Sportage LX 2WD 4-Dr | $256 | $488 | $500 | $30 | $150 | $1,424 | $119 |
| Sportage EX 2WD 4-Dr | $294 | $592 | $500 | $30 | $150 | $1,566 | $131 |
| Sportage LX 4WD 4-Dr | $294 | $592 | $500 | $30 | $150 | $1,566 | $131 |
| Sportage LX | $294 | $592 | $500 | $30 | $150 | $1,566 | $131 |
| Sportage EX 4WD 4-Dr | $294 | $592 | $500 | $30 | $150 | $1,566 | $131 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Information does not factor in specific San Francisco garaging location which can lower or raise auto insurance rates greatly.
The chart below highlights how deductible choice and can raise or lower Kia Sportage insurance premiums for different categories of driver ages. The rate quotes are based on a single female driver, comprehensive and collision coverage, and no policy discounts are applied.
Responsible drivers pay cheaper insurance rates
The diagram below shows how violations and at-fault accidents increase Kia Sportage yearly insurance costs for different insured age categories. The premium estimates are based on a married female driver, comprehensive and collision coverage, $250 deductibles, and no policy discounts are applied.
Men versus women drivers and insurance cost
The illustration below compares Kia Sportage premium costs for male and female drivers. The rate quotes are based on no claims or violations, comprehensive and collision coverage, $250 deductibles, drivers are not married, and no discounts are applied.
Full coverage rates vs. liability-only in San Francisco
The chart below illustrates the comparison of Kia Sportage insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in California. The price estimates are based on no driving violations, no at-fault accidents, $250 deductibles, single marital status, and no discounts are applied to the premium.
When to stop buying comprehensive and collision coverage
There is no exact formula to stop paying for physical damage insurance, but there is a general guideline you can use. If the yearly cost of full coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.
For example, let’s say your Kia Sportage settlement value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company would pay you is $7,000 after the deductible is paid. If you are paying in excess of $700 a year for full coverage, then you might want to consider buying only liability coverage.
There are some situations where eliminating full coverage is not a good plan. If you still have a lienholder on your title, you are required to maintain 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.