Wouldn’t it be excellent if we could just give you the name of the one best car insurance company that has the lowest rates for felons? It’s just not that simple, as there are a lot of unknown factors such as what liability limits you need, how old you are, and if you want full coverage included, that all factor into the price you pay. The content below will cover the best ways to save money and should give you a solid foundation to find cheaper car insurance in Fresno.
Shopping around for reasonably-priced auto insurance is challenging, and figuring out which company quotes the most affordable car insurance rates for felons calls for even more perseverance.
Each auto insurer uses their own calculation for determining rates, so we need to take a look at the car insurance companies that tend to be cheaper in Fresno, CA. It’s important that you understand Fresno car insurance rates are determined by lots of factors that can increase the price you have to pay. This price variability is why it is critical to shop around with many companies when trying to find the most budget-friendly auto insurance quotes for felons. Prices consist of many things and can decrease or increase without notice, so the most affordable company six months ago may now be one of the more expensive options.
Lowest Insurance Price Quotes for Felons
USAA may offer some of the most affordable car insurance rates in Fresno at around $1,155 per year. Century National, CSAA, Wawanesa, and Nationwide are also some of the more affordable Fresno, CA car insurance companies.
As shown above, if you currently have a policy with Century National and switched to USAA, you could see an annual savings of about $23. Drivers with CSAA might save as much as $31 a year, and Wawanesa customers might reduce rates by $37 a year.
To find out how your current rates compare, click here or click several companies below for low rates.
Bear in mind that those policy rates are averaged for all drivers and vehicles and and are not calculated with a specific location for felons. So the car insurance company that can offer you the best price may not even be in the top 24 companies in the list above. That’s why you need to quote rates from as many companies as possible using your own driver and vehicle profiles.
For felons, one of the more important factors that aid in calculating the price you pay for insurance is where you choose to live in Fresno. Areas with more people or more claims are more likely to have higher rates, whereas areas with less crime or weather claims have the luxury of cheap car insurance rates.
The table below rates the most expensive places in California for felons to purchase a policy in. Fresno makes the list at #15 with an annual cost of $1,502 for the average insured, which is around $125 per month.
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Premium amounts are comparative as the vehicle garaging location can change coverage rates significantly.
The vehicle needing coverage is one of the primary factors when looking for low-priced coverage for felons. Vehicles with lower performance, a great safety record, or a low likelihood of liability claims will cost significantly less to insure than fast, unsafe models. The table below showcases coverage premiums for a number of the most affordable automobiles to insure in California.
|Make and Model||Estimated Cost for Full Coverage|
|Honda Accord EX-L 4-Dr Sedan||$1,100|
|Dodge Grand Caravan CV||$1,134|
|Ford Escape XLT 4WD||$1,136|
|Honda CR-V EX-L 4WD||$1,173|
|Toyota RAV4 Limited 4WD||$1,200|
|Chevrolet Equinox LT AWD||$1,208|
|Ford F-150 XL Super Cab 2WD||$1,216|
|Ford Explorer XLT 2WD||$1,243|
|Ford Edge Sport AWD||$1,263|
|Hyundai Elantra SE 4-Dr Sedan||$1,271|
|Hyundai Sonata GLS 4-Dr Sedan||$1,284|
|Volkswagen Jetta 2.0T 4-Dr Sedan||$1,286|
|Ford Focus S 4-Dr Sedan||$1,288|
|Jeep Wrangler Sahara 4WD 2-Dr||$1,296|
|Jeep Grand Cherokee Laredo 2WD||$1,316|
|Chevrolet Malibu LS||$1,323|
|Toyota Tacoma 2WD||$1,320|
|Chevrolet Impala LT||$1,350|
|Kia Optima SX||$1,370|
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Cost estimates assume single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Estimates do not factor in your specific Fresno, CA location which can raise or lower auto insurance rates greatly.
By looking at the data, you can figure that cars like the Honda Accord, Toyota Prius, and Dodge Grand Caravan are going to be the most economical vehicles to insure for felons.
Types of discounts on Fresno car insurance
Insurance providers that offer quotes for felons may also provide premium discounts that could reduce prices by 35% or more if you meet eligibility requirements. Popular car insurance companies and the discounts they provide include:
- GEICO has savings for driver training, defensive driver, membership and employees, seat belt use, military active duty, five-year accident-free, and anti-lock brakes.
- USAA offers premium reductions for new vehicle, defensive driver, driver training, safe driver, annual mileage, military installation, and family discount.
- Progressive offers discounts for multi-vehicle, homeowner, good student, continuous coverage, and online quote discount.
- American Family has discounts for air bags, good driver, bundled insurance, TimeAway discount, and accident-free.
- Esurance discounts include DriveSense, paid-in-full, claim free, multi-policy, multi-car, safety device, and emergency road assistance.
- Farmers Insurance may have discounts that include alternative fuel, distant student, pay in full, mature driver, and youthful driver.
- State Farm includes discounts for anti-theft, Steer Clear safe driver discount, safe vehicle, good student, and passive restraint.
The diagram below shows the comparison of insurance prices with and without discounts applied to the premium. The prices are based on a female driver, a clean driving record, no claims, California state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with defensive driving course, accident-free, safe-driver, multiple policy, anti-theft, and homeowner discounts applied. When discounts are factored in, the average amount saved on car insurance for felons is 28% or $819.
The information below demonstrates how deductible levels can affect annual premium costs when quoting cheap insurance for felons. The prices are based on a married female driver, comprehensive and collision coverage, and no discounts are taken into consideration.
The chart above illustrates that a 50-year-old driver could pocket $420 a year by changing from a $100 deductible to a $500 deductible, or save $634 by switching to a $1,000 deductible. Younger drivers, such as the 20-year-old chart data, can cut $1,042 every year just by choosing higher deductibles when buying full coverage. When using a larger deductible, it will now be necessary to have enough funds in savings to allow you to pay the extra out-of-pocket expense, which deters some people from using high deductibles.
Insurance rate increases from tickets or accidents
One of the best ways to find the cheapest car insurance premiums in California for felons is to drive safe and not have accidents or get tickets. The information below highlights how traffic violations and at-fault collisions can increase insurance prices for each different age group. The rates are based on a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied to the premium.
The chart shows that the average cost of a car insurance policy per year with no violations or accidents is $1,767. Receive one speeding ticket and the average cost surges to $2,006, an increase of $239 each year. Then add in one accident along with the one speeding ticket and the 12-month cost of car insurance for felons increases to an average of $2,662. That’s an increase of $895, or $75 per month, just for not paying attention while driving!
How to find economical car insurance for felons
It’s not impossible to find cheaper rates, and here are some money-saving ideas that can help Fresno drivers find low-cost coverage.
- Maintain a clean driving record
- Do not get into accidents that are your fault
- Do not pay for full coverage if not needed
- Buy safe vehicles
- Higher physical damage deductibles lower rates
- Good credit can mean cheaper rates
- Compare prices frequently to find the best deal
That final tip is incredibly significant, as we stressed in this piece. Car insurance prices in Fresno fluctuate constantly, so don’t be afraid to buy from a new company if you find a cheaper price.
Loyalty to a specific company is fine, but it isn’t a good idea if that devotion results in you overpaying thousands of dollars over the life of your policy. If you have a few minutes, shop around and find cheaper auto insurance for felons.
The auto insurance agents in Fresno shown below can help you make a decision which auto insurance policy would work best for you, as many people would rather have the advice of a professional agent when shopping for cheaper insurance for felons. It can be time-consuming to find the best coverage on your own, and agents can add comfort knowing you have adequate protection.
To locate a Fresno insurance agent nearest to you, click the link after the list.
Allstate Insurance: Geena Cha
2511 E Lamona Ave – Fresno, CA 93703 – (559) 494-0766
Allstate Insurance: Roger Noguera
3032 W Bullard Ave – Fresno, CA 93711 – (559) 435-2246
7078 N Maple Ave # 106 – Fresno, CA 93720 – (559) 324-1421
964 Pollasky Ave b – Clovis, CA 93612 – (559) 323-0333
Andy Bergstrom – State Farm Insurance Agent
470 E Herndon Ave #109 – Fresno, CA 93720 – (559) 435-8332