The best way we recommend to find discount car insurance rates is to begin comparing prices regularly from insurance carriers who provide car insurance in San Francisco. Prices can be compared by following these guidelines.
- Step 1: Take a little time to learn about how companies price auto insurance and the changes you can make to lower rates. Many factors that drive up the price like tickets, at-fault accidents, and an unacceptable credit history can be amended by making lifestyle changes or driving safer. This article provides more details to lower rates and find missing discounts.
- Step 2: Get rate quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from a single company like GEICO and State Farm, while agents who are independent can provide rate quotes from multiple sources. View companies
- Step 3: Compare the price quotes to the premium of your current policy to determine if switching companies saves money. If you can save money and buy the policy, ensure coverage does not lapse between policies.
The most important part of this process is that you’ll want to compare identical limits and deductibles on every price quote and and to get price quotes from as many companies as you can. Doing this guarantees a fair price comparison and the most accurate and complete price analysis.
Anyone knows that insurance companies don’t want you comparing rates. People who shop around for a cheaper policy are very likely to switch companies because they have good chances of finding coverage at a cheaper rate. A study discovered that drivers who shopped around annually saved as much as $860 a year as compared to drivers who never compared prices.
If finding low prices for insurance is your objective, then having some insight into how to shop and compare car insurance can make it easier to find better rates.
If you already have coverage, you stand a good chance to be able to shop for the lowest rates using the ideas covered in this article. Quoting and comparing more affordable coverage in San Francisco can be fairly easy. But California drivers do need to understand how companies market on the web and take advantage of how the system works.
To get the cheapest Saturn Astra rate quotes, there a variety of ways of comparing rate quotes from lots of California auto insurance companies. The quickest method to compare rates is to jump online and get quotes.
Keep in mind that obtaining a wide range of quotes will increase your chances of finding better pricing.
The companies shown below provide free rate quotes in San Francisco, CA. If multiple companies are listed, it’s a good idea that you visit as many as you can to get a more complete price comparison.
Choosing the best Saturn vehicle insurance in California is an important decision
Even though it’s not necessarily cheap to insure a Saturn in San Francisco, paying for insurance is required in California but also provides important benefits.
First, the majority of states have mandatory insurance requirements which means you are required to buy specific minimum amounts of liability insurance in order to drive the car. 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.
Second, if your car has a lienholder, most lenders will have a requirement that you have insurance to ensure they get paid if you total the vehicle. If you cancel or allow the policy to lapse, the lender may have to buy a policy to insure your Saturn at a more expensive rate and require you to pay the higher price.
Third, insurance protects both your Saturn Astra and your assets. It will also reimburse you for medical bills that are the result of an accident. Liability coverage, the one required by state law, also covers legal expenses if someone files suit against you as the result of an accident. If damage is caused by hail or an accident, comprehensive (other-than-collision) and collision coverage will cover the damage repairs after a deductible is paid.
The benefits of buying enough insurance outweigh the cost, particularly if you ever have a claim. But the average American driver overpays as much as $825 a year so it’s important to compare rates once a year at a minimum to make sure the price is not too high.
Discount San Francisco auto insurance quotes
Some insurers do not list every policy discount very clearly, so the list below contains some of the best known as well as the least known credits available to bring down your rates.
- Online Discount – Some of the larger companies provide a small discount for buying your policy over the internet.
- Defensive Driver – Completing a course in defensive driving could cut 5% off your bill and easily pay for the cost of the class.
- Distant College Student Discount – Children living away from San Francisco attending college without a vehicle on campus could qualify for this discount.
- Fewer Miles Equal More Savings – Low annual miles can earn discounted prices on garaged vehicles.
- Mature Driver Discount – Older drivers can possibly qualify for reduced rates.
- Discount for Home Ownership – Just owning your own home can get you a discount since owning and maintaining a home means you have a higher level of financial diligence.
- No Charge for an Accident – Not a discount per se, but some insurance companies may permit one accident before raising your premiums with the catch being you have to be claim-free for a specific time period.
- Seat Belts Save more than Lives – Buckling up and requiring all passengers to buckle up before driving can save a little off PIP or medical payments premium.
A little note about advertised discounts, most of the big mark downs will not be given to the entire cost. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like all those discounts means the company will pay you, you won’t be that lucky.
A few of the larger companies and some of the premium reductions they offer are outlined below.
- Progressive discounts include multi-vehicle, homeowner, online quote discount, multi-policy, good student, continuous coverage, and online signing.
- MetLife may include discounts for good student, multi-policy, defensive driver, accident-free, good driver, and claim-free.
- Mercury Insurance may have discounts that include good student, anti-theft, ease of repair, multi-car, low natural disaster claims, location of vehicle, and annual mileage.
- Nationwide has savings for accident-free, defensive driving, multi-policy, business or organization, family plan, easy pay, and anti-theft.
- GEICO offers discounts for five-year accident-free, seat belt use, multi-vehicle, daytime running lights, defensive driver, federal employee, and anti-lock brakes.
- AAA has discounts for AAA membership discount, good driver, education and occupation, good student, multi-car, anti-theft, and pay-in-full.
Double check with each company or agent how many discounts you can get. Discounts may not be available in your state.
Car insurance quotes from local San Francisco insurance agents
Certain consumers just prefer to visit with an insurance agent and that is just fine! A good thing about comparing car insurance online is you may find the best rates and still have an agent to talk to. Buying from local insurance agents is especially important in San Francisco.
After completing this short form, your insurance data is instantly submitted to insurance agents in San Francisco that provide free San Francisco car insurance quotes for your insurance coverage. There is no need to search for an agent since price quotes are sent instantly to you. You can find better rates and a licensed agent to talk to. If for some reason you want to get a price quote from a specific car insurance provider, just navigate to their website and complete a quote there.
How to choose the best car insurance agent in San Francisco
If you would like to find a reputable insurance agent or broker, it can be helpful to understand the different types of agencies and how they function. Agents can be classified as either exclusive or independent.
Independent Car Insurance Agencies or Brokers
Independent agencies often have many company appointments so as a result can place your coverage with lots of companies and help determine which has the cheapest rates. To transfer your coverage to a different company, they simply switch companies in-house which is easy for the insured.
If you are comparing rate quotes, it’s a good idea to get insurance quotes from multiple independent agents to get the most accurate price comparison. They often place coverage with small mutual carriers which can be an advantage.
Listed below are independent agents in San Francisco that may be able to give rate quotes.
- Nationwide Insurance: Anita Daisy Lo Agency
6037 Geary Blvd – San Francisco, CA 94121 – (415) 592-8388 – View Map
- Express Service Insurance
2085 Van Ness Ave – San Francisco, CA 94109 – (415) 440-5136 – View Map
- Primeras Insurance Agency
3339 23rd St – San Francisco, CA 94108 – (415) 829-7312 – View Map
View more San Francisco agents
Exclusive Car Insurance Agents
Exclusive insurance agents can only write with one company like State Farm, Allstate and AAA. These agents are unable to provide other company’s prices so it’s a take it or leave it situation. Exclusive agents are highly trained on what they offer which helps overcome the inability to quote other rates. Some insured continue to buy from the same agent for years mainly due to the brand name and solid financial strength.
The following is a list of exclusive insurance agencies in San Francisco that are able to give rate quotes.
- Ron Burks – State Farm Insurance Agent
220 Montgomery St #480 – San Francisco, CA 94104 – (415) 397-2994 – View Map
- Allstate Insurance: Dawn Prince
655 14th St – San Francisco, CA 94114 – (415) 552-6200 – View Map
- Dave and Jake Stewart State Farm Insurance
821 Folsom St #101 – San Francisco, CA 94107 – (415) 982-9033 – View Map
View more San Francisco agents
Deciding on an insurance agent is decision based upon more than just a cheap price quote. These questions are important to ask:
- Does the agent help file claims?
- Will the company cover a rental car if your car is getting fixed?
- Does their agency support local causes in San Francisco?
- Is the agent CPCU or CIC certified?
- Who is covered by the car insurance policy?
- What is their Better Business Bureau rating?
Don’t assume everyone needs the same insurance coverage
When selecting coverage for your personal vehicles, there is no one size fits all plan. Your needs are unique to you.
For instance, these questions can help discover if your insurance needs would benefit from professional advice.
- I have good health insurance, so how much medical payments coverage do I need?
- If I use my vehicle for business use is it covered?
- Can I afford to buy a different vehicle if my Saturn Astra is totaled?
- Who sells insurance for high-risk drivers?
- Am I covered if I hit someone who is not insured?
- Which companies are cheaper for teen drivers?
- How can I get my company to pay me more for my totaled car?
- Do I need special coverage while pulling a rented trailer?
- Am I covered when delivering products for my home-based business?
- What is an umbrella policy?
If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, simply complete this short form.
Auto insurance coverages and their meanings
Learning about specific coverages of a auto insurance policy can help you determine which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy.
UM/UIM Coverage – This gives you protection from other drivers when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Saturn Astra.
Because many people only purchase the least amount of liability that is required (15/30/5), their limits can quickly be used up. So UM/UIM coverage is a good idea. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.
Medical costs insurance – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for dental work, doctor visits, hospital visits and chiropractic care. They are utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and may carry a deductible
Collision coverage – Collision insurance covers damage to your Astra caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.
Collision insurance covers things like crashing into a building, scraping a guard rail, hitting a parking meter and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible on your Astra in order to get cheaper collision rates.
Liability – Liability insurance can cover damage or injury you incur to a person or their property by causing an accident. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 15/30/5 that translate to a $15,000 limit per person for injuries, a total of $30,000 of bodily injury coverage per accident, and a total limit of $5,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.
Liability coverage protects against claims like bail bonds, funeral expenses and pain and suffering. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase higher limits if possible. California state law requires minimum liability limits of 15/30/5 but you should consider buying more liability than the minimum.
The illustration below shows why buying low liability limits may not be adequate coverage.
Comprehensive or Other Than Collision – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive coverage protects against things such as hitting a bird, hail damage, damage from getting keyed, hitting a deer and damage from flooding. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Cheaper insurance is a realistic goal
The cheapest Saturn Astra insurance in San Francisco is definitely available from both online companies and with local San Francisco insurance agents, and you should be comparing both to get a complete price analysis. There are still a few companies who may not offer rates over the internet and usually these regional insurance providers prefer to sell through local independent agencies.
Drivers who switch companies do it for any number of reasons including extreme rates for teen drivers, unfair underwriting practices, questionable increases in premium and policy cancellation. Regardless of your reason, switching companies is pretty easy and you might even save some money in the process.
When buying insurance coverage, make sure you don’t skimp on critical coverages to save a buck or two. Too many times, an insured dropped full coverage only to discover later that it was a big mistake. The ultimate goal is to purchase plenty of coverage at an affordable rate, but don’t skip important coverages to save money.
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