This would be a much quicker read if we could simply give you the name of the one car insurance company that has the most affordable coverage in California. It’s not that simple, unfortunately, as there are a lot of unknown elements such as the level of liability coverage you want, the safety ratings of your vehicle, and how high your deductibles should be, that help determine the price you have to pay. This article covers the things that influence insurance rates and will hopefully give you a solid foundation to find cheaper car insurance.
One of the more important things that are looked at to help calculate the amount you pay for auto insurance is where you keep your vehicle in Fresno. Larger areas will most likely have higher rates, whereas areas with less congestion receive better rates.
The information below rates the most expensive cities in California for high mileage drivers to purchase a policy in. Fresno comes in at #14 costing $1,502 for coverage, which is around $125 monthly.
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Rates are comparative as zip code location can decrease or increase premiums substantially.
Figuring out which companies quote the best insurance rates for high mileage drivers calls for a tad more effort in order to find the best policy. Each company has their own formula for determining rates, so to begin we’ll rank the overall cheapest insurance companies in California.
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USAA may have some of the best car insurance rates in Fresno at around $1,121 each year. Wawanesa, Century National, CSAA, and Nationwide are also some of the more affordable Fresno, CA car insurance companies.
As shown above, if you buy coverage from CSAA and switched to Wawanesa, you may see an annual savings of around $41. Insureds with Nationwide might save as much as $82 a year, and 21st Century policyholders might lower prices by $157 a year.
It’s important to note that these policy prices are averages for all insureds and vehicles and and are not figured with a vehicle location for high mileage drivers. So the company that is best for you may not even be in the top 24 companies shown above. That affirms the importance of why you need to get quotes using your own personal information and vehicle type.
The illustration below highlights how deductible selection can impact insurance costs when researching cheap insurance for high mileage drivers. The data is based on a single female driver, full physical damage coverage, and no policy discounts are applied.
The data above shows that a 50-year-old driver could pocket $476 a year by increasing from a $100 deductible to a $500 deductible, or save $712 by changing to a $1,000 deductible. Youthful drivers, like the age 20 example, can cut $1,216 every year by choosing larger deductibles on their policy.
If you do decide to increase your deductibles, it is essential to have enough savings to cover the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.
Buying coverage from the top auto insurance provider can be a challenge considering how many companies there are in California. The company information displayed below could help you decide which car insurance providers to look at when shopping car insurance rates for high mileage drivers. The rankings below are only made up of companies that write coverage in many states, so smaller regional companies will not be included in the list.
Top 10 Large Auto Insurers Overall in Fresno
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- The General
- Titan Insurance
Fresno car insurance rates
Fresno insurance rates are influenced by many factors which can significantly increase or decrease the cost of coverage. Simply having another birthday, moving to a new city, or getting a ticket for running a stop sign may cause policy rate changes that may make certain companies cheaper in comparison to the competition.
Not only may things change on your end, but companies change their prices at least once a year as an adjustment for underwriting gains or losses. Significantly higher losses can cause a rate increase, while better underwriting can cause lower-priced Fresno car insurance rates.
The chart below compares the cheapest car insurance in Fresno, CA for a 30-year-old female driver with no accidents, a clean driving record, and a decent credit rating. If we compare prices based on her current situation, USAA quotes the best car insurance rates in Fresno at $1,317 annually. This is $334 less than the average price paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide are also on the list of the best Fresno, CA auto insurance companies.
The next chart shows rates after we give the driver from the first example an accident claim, a little lower credit rating, and a few blemishes on her driving record. Because every insurance company has a different formula for determining rates in each state, comparing prices may now present a different ranking of the cheapest companies as shown below.
Grange now has the best auto insurance rate in Fresno with Mercury, Progressive, Allstate, and GEICO now rounding out the top five. This example demonstrates why it is crucial to do a thorough rate comparison to get the cheapest auto insurance rates for high mileage drivers. Insurance rates consist of many factors and can increase or decrease at any time, so the cheapest company the last time you shopped around may now be priced much higher than other options.
The Fresno, CA, insurance agents below can help you decide which coverages and limits you need, since many consumers aren’t sure which coverage to buy and prefer to get help from a professional when shopping for cheaper insurance for high mileage drivers. It can be time-consuming to find the best coverage on your own, so getting advice from a licensed California insurance agent can provide peace of mind knowing your coverage gives you sufficient coverage for your assets.
To find an agent closest to you, click the button at the bottom or click here to get price quotes now.
New Horizon Insurance Services
325 Clovis Ave #114 – Clovis, CA 93612 – (559) 322-2525
7020 N Marks Ave #107 – Fresno, CA 93711 – (559) 353-3500
James G. Parker Insurance Associates
1753 E Fir Ave – Fresno, CA 93720 – (559) 222-7722
Kurt Sieve – State Farm Insurance Agent
1177 N Willow Ave Suite 102 – Clovis, CA 93611 – (559) 900-7908
Tim Franz – State Farm Insurance Agent
5534 E Kings Canyon Rd – Fresno, CA 93727 – (559) 251-3777