Finding decent, affordable car insurance is challenging, and determining which companies offer the cheapest car insurance rates for real estate agents involves a little more work.
Each auto insurer uses a different method to determine premium rates, so we’ll go over the lowest cost car insurance companies in Fresno. It’s important to understand that Fresno, CA car insurance rates are influenced by many factors that control the cost of coverage. That is why Fresno drivers need to shop around with many companies to find the most budget-friendly auto insurance quotes for real estate agents. Rates are influenced by many different factors and change dramatically, so the best price a year ago may now be one of the higher cost companies.
Cheapest Insurance Rates for Realtors
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USAA quotes some of the best car insurance rates in Fresno at around $1,109 per year. Wawanesa, Century National, Nationwide, and CSAA also make the cut as some of the more affordable Fresno, CA insurance companies.
In the above example, if you are a policyholder with Nationwide and switched to USAA, you might achieve a yearly savings of in the vicinity of $104. California drivers with CSAA may save as much as $113 a year, and 21st Century policyholders might reduce rates by $257 a year.
To find the cheapest coverage for you, click here to start your free quote or visit several of the following companies.
Remember that these prices are averages for all drivers and vehicles in California and do not take into consideration a vehicle location for real estate agents. So the car insurance company that fits you best may not even be in the top 24 companies in the list above. That illustrates why you need to get auto insurance quotes using your own personalized driver profile and vehicle information.
The vehicle you are seeking coverage for is probably the most important factor when looking for the best cheap coverage for real estate agents. Vehicles with higher performance, poor safety ratings, or a high likelihood of having liability claims will cost more to insure than safer, lower-performance models.
The next list estimates auto insurance rates for the most budget-friendly automobiles to insure in California.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Dodge Grand Caravan CV | $1,120 |
| Ford Escape XLT 2WD | $1,143 |
| Hyundai Elantra GLS Touring Station Wagon | $1,152 |
| Ford Edge SEL 2WD | $1,159 |
| Toyota RAV4 4WD | $1,182 |
| Dodge Ram Quad Cab ST 2WD | $1,204 |
| Chevrolet Impala LTZ | $1,243 |
| Honda CR-V EX-L 2WD | $1,252 |
| Toyota Prius | $1,263 |
| Ford Fusion SE 4-Dr Sedan | $1,266 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,275 |
| Ford F-150 XL Crew Cab 2WD | $1,284 |
| Honda Odyssey EX | $1,329 |
| Nissan Altima 2.5 S 2-Dr Coupe | $1,350 |
| Toyota Camry Hybrid | $1,357 |
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Price data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Price information does not factor in specific location which can change coverage rates considerably.
By looking at the data, vehicles like the Dodge Grand Caravan, Ford Escape, Hyundai Elantra, and Ford Edge are some of the less-costly vehicles to insure for realtors.
One of the many things that help determine the cost of insurance is where you call home. Areas with more people or even just a higher incidence of claims tend to have more expensive auto insurance rates, whereas areas with less congestion tend to receive cheaper rates.
The next table ranks the priciest cities in California for real estate agents to buy an auto insurance policy in. Fresno shows up at #15 costing $1,502 on average, which is around $125 per month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Los Angeles | $2,146 |
| 2 | Glendale | $2,058 |
| 3 | San Francisco | $1,745 |
| 4 | Oakland | $1,704 |
| 5 | Sacramento | $1,703 |
| 6 | San Bernardino | $1,644 |
| 7 | Long Beach | $1,626 |
| 8 | Stockton | $1,588 |
| 9 | Fontana | $1,566 |
| 10 | Moreno Valley | $1,551 |
| 11 | Santa Clarita | $1,548 |
| 12 | Riverside | $1,527 |
| 13 | Garden Grove | $1,524 |
| 14 | Modesto | $1,502 |
| 15 | Fresno | $1,502 |
| 16 | Santa Ana | $1,497 |
| 17 | Anaheim | $1,444 |
| 18 | Huntington Beach | $1,402 |
| 19 | San Jose | $1,395 |
| 20 | Irvine | $1,384 |
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Price information shown is comparative as vehicle location can modify insurance rates considerably.
Full coverage versus liability only rates
Paying less for car insurance should be important to most drivers, and an effective way to pay lower rates for insurance for real estate agents is to only buy liability coverage. The information below visualizes the comparison of insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The prices are based on no violations or accidents, $100 deductibles, single marital status, and no discounts are taken into consideration.
On average, physical damage coverage on your policy costs an additional $2,525 per year more than just buying liability only. Lot’s of drivers question if paying for full coverage is a waste of money. There is no written rule of when to drop full coverage, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is about 10% or more of the settlement you would receive from your company, then it’s probably a good time to buy liability coverage only.
For example, let’s assume your vehicle’s book value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $8,000 after paying the physical damage deductible. If it’s costing in excess of $800 annually for full coverage, then you might consider buying liability only.
There are some cases where buying only liability insurance is not recommended. If you haven’t satisfied your loan, you have to keep full coverage in order to satisfy the requirements of the loan. Also, if you can’t afford to buy a different vehicle if your current one is totaled, you should maintain full coverage.
Get discount Fresno insurance
Insurance companies that offer cheap quotes for real estate agents may also provide price discounts that can reduce rates by as much as 30% if you meet the requirements. A few of the larger companies and a selection of discounts include:
- State Farm policyholders can earn discounts including good student, safe vehicle, Drive Safe & Save, driver’s education, multiple policy, and student away at school.
- GEICO includes discounts for daytime running lights, anti-theft, multi-vehicle, military active duty, multi-policy, good student, and membership and employees.
- Progressive discounts include continuous coverage, online quote discount, multi-policy, multi-vehicle, good student, online signing, and homeowner.
- 21st Century offers premium reductions for air bags, teen driver, theft prevention, good student, anti-lock brakes, defensive driver, and early bird.
- American Family has discounts for TimeAway discount, defensive driver, early bird, Steer into Savings, air bags, accident-free, and multi-vehicle.
- The Hartford has savings for air bag, driver training, defensive driver, good student, bundle, anti-theft, and vehicle fuel type.
- AAA may include discounts for AAA membership discount, good student, multi-policy, education and occupation, pay-in-full, anti-theft, and good driver.
The information below illustrates the difference between yearly insurance costs with and without some available policy discounts. Data assumes a male driver, no violations or claims, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.
The first bar for each age group shows the average rate with no discounts. The second shows the rates with safe-driver, claim-free, multiple policy, defensive driving course, vehicle safety, and anti-theft discounts applied. When these discounts are applied, the average savings per year on car insurance for real estate agents is 28% or $777.
The agents listed below are a good start to answer your questions and help you decide which is the best policy, since lots of people like to get some professional input when shopping around for cheaper insurance for realtors. It can be time-consuming to find the best coverage yourself, so agents can bring satisfaction knowing your policy gives you enough protection.
To find an auto insurance agency by location nearest to you, click the button following the list.
- Greg Caves – State Farm Insurance Agent
7740 N Fresno St #103 – Fresno, CA 93720 – (559) 435-7500 - Karen Barry-Ennis – State Farm Insurance Agent
1205 E Olive Ave – Fresno, CA 93728 – (559) 268-7431 - Progressive Insurance
7020 N Marks Ave #107 – Fresno, CA 93711 – (559) 353-3500 - Pillar Insurance Partners, LLC
1477 E Shaw Ave #140 – Fresno, CA 93710 – (559) 436-6441
More insurance agents in Fresno, CA
Ideas to find budget-friendly car insurance for real estate agents
It’s not impossible to find cheaper rates, and here are some of the recommended thrifty solutions that can help California drivers quote lower-cost auto insurance.
- Drive safely
- Accident-free drivers may qualify for discounts
- Increase your credit score
- Insure your home and auto with the same company
- Increase deductibles to save money
- Try to pay small claims out-of-pocket
- Ensure you have the best deal by shopping around regularly
The last idea is incredibly critical, as we pointed out in the article above. Car insurance rates in Fresno can be modified anytime, so drivers shouldn’t be reluctant to buy a policy from a new company if a cheaper price is available. Loyalty to a specific company is fine, but we do not recommend it if that devotion results in you overpaying a considerable chunk of change every month. Take a couple minutes and compare rates and find cheaper auto insurance for real estate agents.