It’s impossible to miss the catchy advertisements from car insurance companies like Liberty Mutual and State Farm that say if you switch you’ll get the cheapest price. So drivers just need to pick the company with the catchiest ad, right?
Regrettably, it’s not quite that easy, as there are a whole slew of unknown factors such as where you live, if you have a spouse, your date of birth, and the type of vehicle you drive, that all go into determining the rate you pay. This article goes into detail about some of these things and should give you a jump start in finding the best auto insurance in California.
Determining which companies offer the most affordable auto insurance rates for Uber drivers calls for more work in order to find a policy that fits your budget. Each auto insurer uses different criteria for establishing rates, so to begin we’ll rank the overall cheapest auto insurance companies in Fresno, CA.
It’s important that readers know that Fresno auto insurance rates are impacted by many things that control the cost of coverage. Simply improving your credit, moving to a new city, or getting a speeding ticket can trigger price changes resulting in some rates now being cheaper than others.
Best Insurance Companies for Your Uber Vehicle
USAA offers some of the cheapest car insurance rates in Fresno at around $1,155 each year. This is $496 less than the average policy premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide would also be considered some of the more affordable Fresno, CA car insurance companies.
As the example above demonstrates, if you currently have coverage with Wawanesa and switched to USAA, you might realize a yearly savings of approximately $2. Insureds with Century National might save as much as $23 a year, and CSAA customers might lower prices by up to $43 a year.
To see if your current coverage is too expensive, click here to get a free quote or visit any of the companies below.
Understand that those policy prices are averaged for all types of drivers and the different vehicles they drive and and are not figured with a specific vehicle garaging location for Uber drivers. So the auto insurance company that is best suited for you may not even be in the list above. That helps illustrate why you need to get quotes using your own individual information.
The make and model of vehicle you are trying to insure is a large consideration when looking for low-priced auto insurance for Uber drivers. Vehicles with higher performance, a lack of safety features, or a track record of large liability claims will cost substantially more to insure than safer models.
The next list outlines coverage premiums for some of the most affordable automobiles to buy insurance for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Toyota Tacoma 4WD | $1,067 |
| Volkswagen Jetta 2.0T Station Wagon | $1,113 |
| Ford Escape XLT 4WD | $1,119 |
| Chevrolet Malibu Hybrid | $1,124 |
| Jeep Grand Cherokee Laredo 2WD | $1,132 |
| Dodge Grand Caravan Hero | $1,124 |
| Jeep Wrangler Sport 4WD 2-Dr | $1,129 |
| Honda Civic VP 4-Dr Sedan | $1,162 |
| Honda Accord LX-P 4-Dr Sedan | $1,167 |
| Honda CR-V LX 2WD | $1,175 |
| Hyundai Elantra SE 4-Dr Sedan | $1,184 |
| Ford Fusion SEL 4-Dr Sedan | $1,206 |
| Nissan Rogue SL 2WD | $1,211 |
| Honda Odyssey EX W/Rear Entertainment | $1,264 |
| Ford Edge SEL 2WD | $1,273 |
| Compare Cheap Rates Go | |
Data variables include single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Premium costs do not factor in your specific Fresno, CA location which can alter prices significantly.
Based upon the rates shown, you can expect vehicles like the Toyota Tacoma, Volkswagen Jetta, Ford Escape, Chevrolet Malibu, and Jeep Grand Cherokee are some of the most economical vehicles to insure for Uber vehicles.
Discounts on Fresno auto insurance
Insurers that provide policies for Uber drivers may additionally offer policy discounts that could potentially reduce rates by as much as 35% or more if you meet eligibility requirements. Companies and a summarized list of policyholder discounts include:
- GEICO includes discounts for anti-theft, emergency military deployment, anti-lock brakes, good student, and multi-policy.
- Travelers offers premium reductions for multi-car, early quote, IntelliDrive, multi-policy, good student, and driver training.
- Nationwide discounts include good student, accident-free, defensive driving, family plan, multi-policy, and anti-theft.
- Farmers Insurance policyholders can earn discounts including bundle discounts, alternative fuel, good student, pay in full, and multi-car.
- Esurance has discounts for online quote, emergency road assistance, multi-policy, renters, and safety device.
- State Farm offers discounts for passive restraint, driver’s education, Steer Clear safe driver discount, Drive Safe & Save, defensive driving training, and multiple autos.
- Progressive may include discounts for continuous coverage, multi-vehicle, good student, homeowner, and online signing.
- Mercury Insurance may offer discounts for good student, good driver, multi-car, multi-policy, age of vehicle, and annual mileage.
The chart below shows the difference between insurance costs with and without discounts applied to the rates. Data assumes a male driver, no violations or claims, California state minimum liability limits, full coverage, and $500 deductibles.
The first bar for each age group shows the price with no discounts. The second bar shows the rates with passive restraint, marriage, accident-free, multiple policy, homeowner, and safe-driver discounts applied. With discounts applied, the average yearly reduction on auto insurance for Uber drivers is 28% or $576.
How to find a good Fresno auto insurance company
Buying coverage from the right insurance company is difficult considering how many companies sell coverage in California. The company rank data displayed below can help you analyze which coverage providers you want to consider when insurance shopping for Uber drivers. These rankings include the companies with a significant amount of written premium nationwide, so companies that focus mainly on California business are not taken into consideration for these rankings.
Top 10 Major Auto Insurance Providers in Fresno Ranked by Claims Service
- AAA of Southern California
- State Farm
- Esurance
- AAA Insurance
- Progressive
- Liberty Mutual
- GEICO
- Allstate
- Titan Insurance
- The Hartford
Top 10 Major Auto Insurance Providers in Fresno Ranked by Customer Service
- AAA of Southern California
- GEICO
- State Farm
- The Hartford
- Mercury Insurance
- The General
- Progressive
- Allstate
- AAA Insurance
- American Family
How to find more affordable auto insurance for Uber drivers
It is possible to find better rates, and here are a few thrifty ideas that can help you quote cheaper auto insurance.
- Buy a car with high safety ratings
- Avoid getting citations and tickets
- Maintain a safe distance and avoid accidents
- Save money by staying claim-free
- Insure your home and auto with the same company
- Compare quotes from other companies often
The last tip in the list is particularly vital, as we discussed in the prior article. Auto insurance rates in Fresno adjust frequently, so don’t be afraid to buy from a new company if a lower-cost policy is available. Many drivers tend to have loyalty to a certain company, but is isn’t recommended if that faithfulness ends up costing you potentially thousands of dollars a year. Take a few minutes and compare prices and find cheaper car insurance for Uber drivers.
The professional agents shown below can most likely help you determine which policy fits your needs best, as some drivers wish to get some professional advice when shopping for cheaper insurance for Uber drivers. It’s not always simple to find the cheapest car insurance policy, so insurance agents licensed in the state of California can add satisfaction knowing your coverage gives you enough protection.
To locate a Fresno auto insurance agent near you, click the button link following the list or click here to get price quotes now.
- Reza Sarkhosh Insurance Agency, Inc.
2491 W Shaw Ave #124 – Fresno, CA 93711 – (559) 243-9000 - United Valley Insurance Services
3245 W Figarden Dr – Fresno, CA 93711 – (559) 256-2500 - Rufino Paguio – State Farm Insurance Agent
5637 W Figarden Dr #108 – Fresno, CA 93722 – (559) 277-1903 - Steph Flores Peters – State Farm Insurance Agent
371 E Bullard Ave #104 – Fresno, CA 93710 – (559) 274-0600 - Central Auto Insurance
3668 W Shaw Ave – Fresno, CA 93711 – (559) 275-9911