The words “bargain” and “insurance” really shouldn’t be used together, specifically when you are searching for the lowest insurance prices for low mileage drivers. To save some money, let’s start the ball rolling by going over some things that can significantly affect auto insurance premiums, and come up with some ways to take the sting out of the next policy you buy.
One of the many components that help determine insurance cost is where your car is garaged in Fresno. More populated areas are more likely to have higher rates, whereas areas that tend to be more rural tend to receive cheaper rates.
The following table shows the highest-priced areas in California for low mileage drivers to buy auto insurance in. Fresno is listed at #12 costing $1,517 on average, which is about $126 per month.
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Rate information is estimated as the vehicle garaging location can influence rates noticeably.
Comparing quotes for budget auto insurance is confusing at best, and determining which companies quote the cheapest insurance rates for low mileage drivers takes even more work. Each auto insurance company uses a different method for filing rates in each state, so we’ll go over the insurance companies with the overall cheapest rates in Fresno.
Find Cheaper Car Insurance in California
|Rank||Company||Cost Per Year|
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USAA may have some of the lowest car insurance rates in Fresno at around $1,121 per year. Wawanesa, Century National, CSAA, and Nationwide also qualify as some of the lowest-priced Fresno, CA insurance companies.
As shown in the rates above, if you currently have a policy with CSAA and switched to USAA, you could realize a yearly savings of around $113. Insureds with Nationwide may save as much as $129 a year, and 21st Century policyholders might reduce prices by as much as $217 a year.
To find out how your current rates compare, click here to start your custom quote or click several companies below for low rates.
Be aware that those estimates are averages across all drivers and vehicles in California and and are not calculated with an exact zip code location for low mileage drivers. So the insurer that has the lowest price for you may not even be in the list above. That illustrates why you need to get rate quotes using your own individual information.
The type of vehicle you are insuring is probably the largest consideration that determines whether or not you can buy the most affordable car insurance for low mileage drivers. Vehicles with higher performance characteristics, a lack of modern safety features, or an increased likelihood of liability claims will cost quite a bit more to insure than safer, lower-performance models. The data below showcases auto insurance rates for some of the more affordable automobiles to buy coverage for.
|Vehicle Make and Model||Estimated Cost for Full Coverage|
|Ford F-150 STX Regular Cab 2WD||$1,098|
|Ford Escape Limited 2WD||$1,168|
|Honda CR-V EX 4WD||$1,177|
|Chevrolet Impala LT||$1,182|
|Nissan Altima 2.5 4-Dr Sedan||$1,188|
|Chevrolet Malibu LT||$1,204|
|Hyundai Elantra SE Touring Station Wagon||$1,238|
|Jeep Grand Cherokee Limited 2WD||$1,266|
|Chevrolet Silverado LS Extended Cab 2WD||$1,276|
|GMC Sierra SL Crew Cab 4WD||$1,266|
|Dodge Grand Caravan SE||$1,284|
|Kia Optima EX||$1,350|
|Chevrolet Equinox LT 2WD||$1,354|
|Toyota Tacoma Double Cab 4WD||$1,363|
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Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Premium amounts do not factor in garaging location in Fresno, CA which can impact coverage rates substantially.
Based upon the table data, cars like the Ford F-150, Toyota Prius, Ford Escape, Honda CR-V, and Chevrolet Impala are likely to be some of the less-costly vehicles to insure for infrequent drivers.
How to get discounts on Fresno auto insurance
Insurance providers that provide policies for low mileage drivers may also offer price discounts that can lower rates by 40% or more if you are eligible. Large insurance companies and some of the discounts are shown below.
- Farm Bureau has discounts for renewal discount, safe driver, driver training, youthful driver, 55 and retired, and multi-policy.
- State Farm may offer discounts for student away at school, defensive driving training, anti-theft, good driver, multiple policy, passive restraint, and Steer Clear safe driver discount.
- Progressive offers discounts including good student, online signing, homeowner, continuous coverage, online quote discount, multi-vehicle, and multi-policy.
- Allstate offers premium reductions for 55 and retired, good payer, utility vehicle, eSmart discount, anti-theft, senior citizen, and anti-lock brakes.
- Nationwide includes discounts for family plan, business or organization, good student, Farm Bureau membership, multi-policy, accident-free, and anti-theft.
- MetLife discounts include multi-policy, claim-free, defensive driver, good driver, accident-free, and good student.
The illustration below compares premium costs with and without discounts being applied to the rates. The premiums assume a female driver, no accidents, no driving violations, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.
The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with marriage, passive restraint, safe-driver, homeowner, multiple policy, and multiple vehicle discounts applied. When these discounts are applied to the policy premium, the amount saved on insurance for low mileage drivers is 28% or $893.
The chart below illustrates how your choice of deductibles can raise or lower insurance prices when getting quotes for cheap insurance for low mileage drivers. The premiums are based on a single female driver, full coverage, and no discounts are taken into consideration.
In the chart above, a 30-year-old driver could reduce rates by $400 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $604 by choosing a $1,000 deductible. Even younger drivers, like the age 20 example, could drop their prices as much as $888 or even more by choosing larger deductibles on their policy. If you make the decision to raise deductibles, it is a good idea to have enough savings to allow you to pay the extra out-of-pocket expense that deters many people from opting for higher deductibles.
A good deal can quickly turn bad
Fresno, CA insurance rates are determined by lots of factors that can increase your annual premium. Turning one year older, increasing deductibles, or having a fender bender can trigger price changes that can now make some companies affordable when they were higher priced.
And not only may your rating factors change, but auto insurance companies file new California car insurance rates multiple times each year to ensure their profitability. Higher than normal claims can result in higher priced premiums, while a profitable period can cause more affordable Fresno car insurance rates.
To illustrate this point, the graph below compares the cheapest car insurance in Fresno, CA for a 45-year-old female driver with no accidents, a clean driving record, and good credit. Based on her current situation, USAA quotes the cheapest car insurance rates in Fresno at $1,297 annually. This is $354 less than the average rate paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are the rest of the cheapest Fresno, CA auto insurance companies.
Let’s now give the driver from the first set of rates a claim surcharge, less-than-perfect credit, and a few traffic violations. Since every car insurance company uses their own calculation to set policy rates, comparing rates may now result in a different ranking of the cheapest car insurance companies in Fresno as shown below.
Grange now has the cheapest price in Fresno, CA with Progressive, Allstate, Allied, and Mercury also being competitive. This shows why it is important to compare rates to find affordable car insurance quotes for low mileage drivers.
Insurance prices can be determined by many factors and change substantially, so the best price the last time you compared rates may now cost much more than other companies.
The Fresno auto insurance agencies shown below are a good start to provide answers to your questions and help you determine which is the best policy, since some drivers wish to get some help when shopping for cheaper insurance for low mileage drivers. It can be hard to find the cheapest car insurance policy, and professional agents can give you comfort knowing your policy gives you adequate coverage if you have an accident or claim.
To find a Fresno insurance agent in your neighborhood, click the button below the list.
7161 N Millbrook Ave # 103 – Fresno, CA 93720 – (559) 447-9838
3245 W Figarden Dr – Fresno, CA 93711 – (559) 256-2500
Andy Bergstrom – State Farm Insurance Agent
470 E Herndon Ave #109 – Fresno, CA 93720 – (559) 435-8332
7020 N Marks Ave #107 – Fresno, CA 93711 – (559) 353-3500
Greg Caves – State Farm Insurance Agent
7740 N Fresno St #103 – Fresno, CA 93720 – (559) 435-7500
View more Fresno, CA insurance agents
How to find cheaper auto insurance for low mileage drivers
Lowering your rates is not difficult, and here are many money-saving solutions that can help California drivers buy cheaper car insurance.
- Higher credit scores may earn you cheaper rates
- Drive safe vehicles
- Serious violations like DUI or careless driving can make car insurance unaffordable
- Do not get into accidents that are your fault
- Don’t have frequent claims
- Ensure you have the best deal by shopping around regularly
The last idea is very significant, as we stressed in the prior information. Prices charged by companies change constantly, so drivers shouldn’t be reluctant to switch to a new company if a cheaper rate is available. Many consumers stick with the same company and that’s fine, but it’s not a good idea if that inflexibility results in costing you a lot of money every month. In just a few minutes you could shop around and find cheaper insurance for low mileage drivers in Fresno.