If your goal is the lowest price, then the best way to get discount car insurance rates in San Francisco is to make a habit of comparing prices annually from different companies that insure vehicles in California.
First, try to understand how companies price auto insurance and the factors you can control to drop your rates. Many factors that are responsible for high rates such as inattentive driving and a less-than-favorable credit history can be remedied by improving your driving habits or financial responsibility.
Second, quote rates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can provide rates from one company like GEICO or Allstate, while agents who are independent can provide price quotes from multiple companies.
Third, compare the new rates to the price on your current policy and see if you can save money. If you can save money, make sure there is no lapse in coverage.
Fourth, notify your current company of your decision to cancel your current auto insurance policy and submit the required down payment along with the signed application to the newly selected company. As soon as coverage is bound, put the certificate verifying coverage in your glove compartment.
A tip to remember is that you use the same liability limits and deductibles on each price quote and and to analyze as many carriers as you can. Doing this provides an accurate price comparison and many rates to choose from.
A recent auto insurance study discovered that most auto insurance policyholders have purchased from the same company for over three years, and nearly half have never quoted rates to find cheap coverage. With the average auto insurance premium being $1,387, California drivers can save $470 each year by just shopping around, but most just don’t grasp the rate savings if they moved their coverage to a different company.
This article’s intent is to introduce you to the best ways to compare prices and some tricks to saving. If you have coverage now, you will most likely be able to find the best rates using the concepts covered in this article. Although California car owners need to learn how the larger insurance companies market insurance on the web because it can help you find the best coverage.
The best way we recommend to get rate comparisons for Saturn Outlook insurance in San Francisco utilizes the fact most of the bigger providers actually pay money for the chance to compare their rates. The only thing you need to do is give the companies some data such as driver details, how many miles driven, marital status, and if the car is leased. The rating information gets transmitted to insurance carriers in your area and they return rate quotes with very little delay.
To get price quotes for your car now, click here and enter your coverage details.
The providers in the list below are our best choices to provide price quotes in San Francisco, CA. If more than one company is shown, it’s a good idea that you visit as many as you can in order to find the cheapest rates.
Do you qualify for discounts on Saturn Outlook insurance in San Francisco?
Insurance is not inexpensive, but you can get discounts to cut the cost considerably. Larger premium reductions will be automatically applied when you complete an application, but a few need to be requested specifically prior to receiving the credit.
- Accident Free – Good drivers with no accidents pay less compared to insureds who have frequent claims or accidents.
- Military Deployment Discount – Having an actively deployed family member could be rewarded with lower prices.
- Discount for Good Grades – Performing well in school could provide a savings of up to 20% or more. Many companies even apply the discount to college students up until you turn 25.
- Responsible Driver Discount – Insureds without accidents can save up to 40% or more on their San Francisco car insurance quote than drivers with accidents.
- Senior Discount – Drivers over the age of 55 may be able to get lower premium rates.
- Pay Now and Pay Less – By making one initial payment rather than paying in monthly installments you can actually save on your bill.
- Discount for Life Insurance – Not all companies offer life insurance, but some may give you a break if you buy life insurance.
- Low Mileage – Driving less can qualify you for better rates on cars that stay parked.
As a sidenote, many deductions do not apply to the overall cost of the policy. Most only apply to specific coverage prices like collision or personal injury protection. Just because it seems like all the discounts add up to a free policy, you won’t be that lucky.
The diagram below shows the comparison of Saturn Outlook auto insurance rates with and without discounts applied to the premium. The premiums assume a female driver, no accidents or driving violations, California state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, safe-driver, homeowner, marriage, and claim-free discounts applied.
If you would like to see a list of insurance companies with the best Saturn Outlook insurance discounts in San Francisco in San Francisco, follow this link.
Statistics and details
The table displayed next outlines different policy rates for Saturn Outlook models. Being more informed about how policy rates are determined can help drivers make informed purchases.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Outlook XE 2WD||$270||$454||$464||$28||$138||$1,354||$113|
|Outlook XV 2WD||$270||$454||$464||$28||$138||$1,354||$113|
|Outlook XE Premium 2WD||$300||$536||$464||$28||$138||$1,466||$122|
|Outlook XE AWD||$300||$536||$464||$28||$138||$1,466||$122|
|Outlook XE Premium AWD||$300||$536||$464||$28||$138||$1,466||$122|
|Outlook XR-L 2WD||$300||$536||$464||$28||$138||$1,466||$122|
|Outlook XR-L AWD||$300||$536||$464||$28||$138||$1,466||$122|
|Outlook XR-L Premium 2WD||$300||$536||$464||$28||$138||$1,466||$122|
|Outlook XR-L Premium AWD||$300||$536||$464||$28||$138||$1,466||$122|
|Get Your Own Custom Quote Go|
Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Information does not factor in specific garaging location which can affect premium rates substantially.
Age-based insurance rates by gender
The example below illustrates the difference between Saturn Outlook annual premium costs for male and female drivers. The rate quotes are based on a clean driving record, no at-fault accidents, comp and collision included, $500 deductibles, single status, and no policy discounts are applied.
Cost of full coverage
The illustration below shows the difference between Saturn Outlook annual premium costs with full coverage and liability only. The data assumes no violations or claims, $500 deductibles, marital status is single, and no additional discounts are factored in.
Should you pay for full coverage?
There is no definitive formula of when to drop physical damage insurance, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is about 10% or more of the vehicle’s replacement cost less your deductible, the it may be a good time to stop paying for full coverage.
For example, let’s assume your Saturn Outlook replacement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is totaled, you would only receive $4,000 after paying your deductible. If it’s costing in excess of $400 annually for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.
There are some circumstances where only buying liability is not in your best interest. If you still have a lienholder on your title, you must maintain physical damage coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should not buy liability only.
Get Cheap Insurance Prices by Understanding These Factors
Lots of factors are considered when you quote your car insurance policy. Some are obvious like a motor vehicle report, although others are more transparent such as your credit history or your financial responsibility.
Listed below are most of the major factors used by insurance companies to determine your rate level.
- Costs increase with policy add-ons – There are a lot of additional coverages that can waste your money on your Outlook policy. Coverages for coverage for rental cars, better glass coverage, and Farm Bureau memberships are examples of these. These coverages may sound good at first, but your needs may have changed so remove them from your policy.
Careless driving leads to higher costs – Whether or not you get tickets has a huge affect on how much you pay. Careful drivers pay less for auto insurance than people who have multiple driving citations. Only having one speeding ticket may increase your cost to the point where it’s not affordable. Drivers who have careless violations such as DUI or reckless driving may need to submit a SR-22 or proof of financial responsibility with their state DMV in order to drive a vehicle legally.
The diagram below highlights how speeding tickets and at-fault collisions increase Saturn Outlook car insurance rates for each different age category. The prices are based on a single female driver, full coverage, $1,000 deductibles, and no policy discounts are applied.
- Vehicle features impact rates – Driving a car with a theft deterrent system can help bring down rates. Theft deterrent systems like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help stop your car from being stolen.
- Your spouse saves you money – Getting married helps lower the price on your insurance policy. Marriage means you’re more stable financially it has been statistically shown that drivers who are married file infrequent claims.
- Bundle policies with the same company – Lots of companies will award lower prices to clients that purchase more than one policy. It’s known as a multi-policy discount. Even if you already get this discount, it’s in your best interest to compare other San Francisco Outlook insurance rates to help ensure you have the lowest rates.
Local insurance agents
A lot of people still prefer to get professional advice from a licensed agent and that can be a great decision A nice benefit of comparing insurance prices online is the fact that drivers can get the best rates and still have an agent to talk to. Putting coverage with local agencies is important particularly in San Francisco.
Upon completion of this form (opens in new window), the coverage information is emailed to local insurance agents in San Francisco that can provide free San Francisco car insurance quotes to get your business. You won’t even need to search for any insurance agencies since rate quotes are delivered to the email address you provide. You can find the lowest rates without the usual hassles of price shopping. If you have a need to get a price quote from a specific auto insurance provider, you can always search and find their rate quote page and complete a quote there.
San Francisco auto insurance agents come in two flavors
If you’re trying to find a reputable insurance agent or broker, it helps to know the two different agency structures and how they function. Auto insurance policy providers are classified as either exclusive or independent.
Independent Auto Insurance Agencies
Agents that elect to be independent do not have single company limitations so they can write business through many different auto insurance companies enabling the ability to shop coverage around. If premiums increase, your policy is moved internally and you don’t have to switch agencies. If you are comparing rate quotes, you will definitely want to get rate quotes from independent agents to get the most accurate price comparison.
Shown below are San Francisco independent insurance agents that can give you free auto insurance rate quotes.
Exclusive Auto Insurance Agents
These type of agents can only write with one company and examples are Farmers Insurance, Allstate, or State Farm. Exclusive agents are unable to shop your coverage around so always compare other rates. Exclusive agents are well trained on their company’s products which helps them sell on service rather than price.
The following is a short list of exclusive agents in San Francisco who can help you get comparison quotes.
Finding the right car insurance agent should depend on more than just a cheap quote. These are some questions your agent should answer.
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Does the agent have a valid license to sell insurance in California?
- Do they see any coverage gaps in your plan?
- Are they actively involved in the community?
- How many years have they been established?
Insurance savings summarized
Cheap Saturn Outlook insurance in San Francisco can be sourced on the web and also from your neighborhood San Francisco agents, and you need to comparison shop both to get a complete price analysis. A few companies don’t offer online rate quotes and usually these regional insurance providers sell through independent insurance agents.
In this article, we covered some good ideas how you can save on Saturn Outlook insurance in San Francisco. The key thing to remember is the more quotes you get, the better your comparison will be. Drivers may even discover the best prices are with the smaller companies. Smaller companies may cover specific market segments cheaper than their larger competitors like Allstate or State Farm.
When getting San Francisco car insurance quotes online, you should never skimp on critical coverages to save a buck or two. There have been many cases where someone sacrificed collision coverage and learned later that their decision to reduce coverage ended up costing them more. The goal is to find the BEST coverage at the lowest possible cost while still protecting your assets.
Additional information is available below:
- Teen Driver Licensing Information (iihs.org)
- Who Has the Cheapest Car Insurance Quotes for a Learners Permit in San Francisco? (FAQ)
- What Car Insurance is Cheapest for Inexperienced Drivers in San Francisco? (FAQ)
- Anti-Lock Brake FAQ (iihs.org)
- Distracted Driving (Insurance Information Institute)
- Get the Right Protection (InsureUonline.org)
- Airbag FAQ (iihs.org)