How many times have you said it’s time to compare lower-priced Pontiac G5 insurance in San Francisco? Perplexed by the dozens of auto insurance choices that you can choose from? Many other drivers are too. California vehicle owners have so many choices to choose from that it can be a difficult mission to find the lowest price for Pontiac G5 insurance in San Francisco. If you live there, you know that San Francisco has many things to offer, but expensive premiums for auto insurance can make it impossible to be able to afford adequate auto insurance coverage limits.
How to buy affordable Pontiac G5 insurance in San Francisco
The recommended way to save money on auto insurance rates is to start doing a yearly price comparison from different companies who sell auto insurance in San Francisco.
First, spend a few minutes and learn about car insurance and the things you can control to prevent high rates. Many things that drive up the price like speeding tickets, accidents and poor credit history can be rectified by making minor changes in your lifestyle. Keep reading for information to get low prices and get additional discounts that may have been overlooked.
Second, compare prices from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only quote rates from a single company like Progressive or Farmers Insurance, while independent agents can provide rate quotes from multiple insurance companies.
Third, compare the quotes to the premium of your current policy to see if a cheaper price is available in San Francisco. If you find a lower rate and buy the policy, verify that coverage does not lapse between policies.
Fourth, notify your current company of your decision to cancel the current policy. Submit payment and a signed application for your new coverage. Once the paperwork is finalized, place your new proof of insurance certificate in an accessible location in your vehicle.
The most important part of this process is to try to use similar limits and deductibles on every price quote and and to analyze as many companies as feasibly possible. This provides an apples-to-apples comparison and many rates to choose from.
Unbelievable but true, the vast majority of consumers have purchased from the same company for well over three years, and 38% of drivers have never taken the time to shop around. With the average premium in California being $1,400, drivers could save themselves approximately 35% a year by just comparing rate quotes, but they won’t spend time to shop around.
It’s a good habit to get comparison quotes quite often since prices change frequently. Just because you had the best rate on Pontiac G5 insurance in San Francisco at your last renewal the chances are good that you can find a lower premium rate today. Forget anything you know (or think you know) about auto insurance because you’re going to get a crash course in the things you must know in order to remove unneeded coverages and save money.
Many insurance companies such as State Farm, GEICO and Progressive allow consumers to get prices online. Getting quotes for Pontiac G5 insurance in San Francisco is pretty painless as you just type in your coverage preferences as requested by the quote form. Once you submit the form, their system gets your driving and credit reports and returns a price quote based on these factors.
Getting online price quotes for Pontiac G5 insurance in San Francisco simplifies rate comparisons, and it is imperative to compare as many rates as possible if you want to get the cheapest car insurance rates.
To compare rates now, compare quotes from the companies shown below. If you have your current policy handy, we recommend that you enter the coverages exactly as they are listed on your policy. This helps ensure you will get a price comparison using the exact same coverages.
The providers in the list below provide price quotes in San Francisco, CA. If several companies are displayed, we recommend you click on several of them to find the lowest car insurance rates.
Neighborhood insurance agents
A small number of people still prefer to talk to an insurance agent and that is a smart decision An additional benefit of getting online price quotes is you can get cheap car insurance quotes but still work with a licensed agent. Buying insurance from local insurance agents is definitely important in San Francisco.
By using this form (opens in new window), your coverage information gets sent to local insurance agents in San Francisco who can give free rate quotes for your coverage. It’s much easier because you don’t need to contact any insurance agencies as quotes are delivered directly to your email. You’ll get the best rates and work with a local agent. If you want to compare prices from one company in particular, you just need to jump over to their website to submit a rate quote request.
Two types of San Francisco car insurance agents
If you want local San Francisco agents, it can be helpful to understand the types of insurance agents to choose from. Car insurance agents are either independent agents or exclusive agents depending on their employer.
Independent Car Insurance Agents (or Brokers)
Independent agents do not work for one specific company so they can write business through lots of different companies and possibly get better coverage at lower prices. If they find a lower price, an independent agent can move your coverage and you don’t have to switch agencies. When comparing car insurance rates, you should always contact at a minimum one independent agency for the best price selection. They also have the ability to place coverage with companies you’ve never heard of which could offer lower prices.
Featured below is a partial list of independent insurance agents in San Francisco who may provide price quote information.
- Milber Health Insurance Agent
1492 11th Ave – San Francisco, CA 94122 – (415) 564-8829 – View Map
- CAL Insurance and Associates
2311 Taraval St – San Francisco, CA 94116 – (415) 661-6500 – View Map
- Al Zeidler Insurance Agency
1714 Stockton St #417 – San Francisco, CA 94133 – (415) 753-1936 – View Map
Exclusive Insurance Agencies
Agents that choose to be exclusive write business for a single company such as American Family, State Farm, and AAA. Exclusive agencies are unable to compare rates from other companies so they have to upsell other benefits. Exclusive insurance agents are usually well trained on sales techniques which aids in selling service over price. Some consumers prefer to buy from the same agent for years primarily because of the brand and strong financial ratings.
Listed below are San Francisco exclusive insurance agents willing to provide rate quotes.
- Joe Freund – State Farm Insurance Agent
1734 Divisadero St – San Francisco, CA 94115 – (415) 359-9311 – View Map
- Rich Machado – State Farm Insurance Agent
5108 Geary Blvd – San Francisco, CA 94118 – (415) 292-3380 – View Map
- Kate McIntyre – State Farm Insurance Agent
1215 9th Ave b – San Francisco, CA 94122 – (415) 661-3650 – View Map
Picking an auto insurance agent shouldn’t rely on just a cheap price. Any agent in San Francisco should be forthright in answering these questions:
- What is their Better Business Bureau rating?
- Is assistance available after office hours?
- How much can you save by raising your physical damage deductibles?
- Is the agency active in community causes in San Francisco?
- Which members of your family are coverage by the policy?
- Where would your vehicle be repaired?
- Do they specialize in personal lines coverage in San Francisco?