The vehicle that is being insured is one of the main factors when comparing quotes for cheap car insurance for homeowners. Vehicles with limited top-end speed, a plethora of safety features, or a track record of few liability claims will cost significantly less to insure than adrenaline junky models. The next list shows car insurance premiums for a selection of the cheapest automobiles to insure.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLT 4WD | $1,075 |
| Hyundai Elantra GLS Touring Station Wagon | $1,205 |
| Honda Civic DX 4-Dr Sedan | $1,222 |
| Chevrolet Impala LS | $1,232 |
| Honda CR-V EX 4WD | $1,231 |
| Jeep Grand Cherokee Laredo 2WD | $1,245 |
| Ford Explorer Limited 4WD | $1,268 |
| Honda Accord EX-L 4-Dr Sedan | $1,305 |
| Toyota Prius | $1,333 |
| GMC Sierra SL Crew Cab 4WD | $1,343 |
| Toyota Tacoma 4WD | $1,352 |
| Dodge Ram 3500 Crew Cab ST 2WD | $1,382 |
| Volkswagen Jetta 2.0T Station Wagon | $1,408 |
| Toyota RAV4 Limited 2WD | $1,426 |
| Chevrolet Malibu Hybrid | $1,431 |
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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, multi-vehicle, safe-driver, claim-free, and homeowner. Premium costs do not factor in your specific Fresno, CA location which can increase or decrease coverage rates greatly.
Based on these rates, you can conclude that vehicles like the Ford Escape, Hyundai Elantra, and Honda Civic are most likely going to be some of the most budget-friendly vehicles to insure for people who own their homes.
Deciding which companies offer the best insurance rates for homeowners takes more time in order to find the best price.
Each insurance company uses their own method to set premium rates, so let’s take a look at the insurance companies that tend to have lower prices in Fresno.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,155 |
| 2 | Wawanesa | $1,181 |
| 3 | Century National | $1,214 |
| 4 | CSAA | $1,222 |
| 5 | Nationwide | $1,226 |
| 6 | 21st Century | $1,379 |
| 7 | Grange | $1,447 |
| 8 | Mercury | $1,488 |
| 9 | Allied | $1,541 |
| 10 | Progressive | $1,558 |
| 11 | Allstate | $1,559 |
| 12 | GEICO | $1,575 |
| 13 | MetLife | $1,638 |
| 14 | The Hartford | $1,639 |
| 15 | Unitrin | $1,699 |
| 16 | State Farm | $1,733 |
| 17 | Esurance | $1,756 |
| 18 | Bristol West | $1,795 |
| 19 | Travelers | $1,806 |
| 20 | Farmers | $2,026 |
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USAA generally has some of the most affordable car insurance rates in Fresno at around $1,155 a year. This is $496 less than the average policy premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide also rank well as some of the cheapest Fresno, CA auto insurance companies.
As shown in the table above, if you are a customer of Century National and switched to USAA, you might realize an annual premium reduction of about $59. California drivers with CSAA could save as much as $67 a year, and Nationwide policyholders might reduce prices by as much as $71 a year.
To find out how your current rates compare, click here to start your free quote or quote prices from the following companies.
Bear in mind that those premium estimates are averaged for all ages of drivers and types of vehicles and and are not calculated with an exact zip code location for homeowners. So the auto insurance company that can offer the best rates for your situation may not even be in the top 24 companies shown above. That illustrates why you need to quote rates from as many companies as possible using your own specific driver and vehicle information.
Bad driving habits will cost you more
In a perfect world, the best way to enjoy affordable insurance prices in California for people who own their homes is to be a cautious driver and avoid accidents and violations. The example below illustrates how speeding tickets and at-fault claims influence annual premium costs for each age group. The prices are based on a married female driver, comprehensive and collision coverage, $250 deductibles, and no additional discounts are factored in.
The data charted above shows the average cost of a car insurance policy per year with a clean driving record and no accidents is $2,372. Get written up for one speeding ticket and the average cost rises to $2,765, an increase of $392 each year. Then add one accident along with the one speeding ticket and the annual cost of insurance for homeowners increases to an average of $3,882. That’s an increase of $1,510, or $126 per month, just for not driving safely!
Types of discounts on Fresno auto insurance
Insurance providers that offer cheap quotes for homeowners may have rate discounts that could potentially reduce rates by 40% or more if you are eligible to receive them. Popular insurance companies and a summarized list of policyholder discounts are outlined below.
- GEICO offers discounts for good student, five-year accident-free, anti-theft, military active duty, federal employee, and air bags.
- USAA may offer discounts for multi-vehicle, multi-policy, good student, new vehicle, vehicle storage, and safe driver.
- Progressive includes discounts for continuous coverage, online quote discount, multi-policy, online signing, and homeowner.
- American Family has discounts for defensive driver, air bags, good driver, TimeAway discount, and early bird.
- Esurance may have discounts that include good driver, Pac-12 alumni, emergency road assistance, Switch & Save, and online shopper.
- Farmers Insurance discounts include multi-car, business and professional, alternative fuel, early shopping, switch companies, and distant student.
- State Farm may include discounts for safe vehicle, Steer Clear safe driver discount, good driver, student away at school, multiple autos, defensive driving training, and accident-free.
The diagram below visualizes the comparison of premium costs with and without discounts applied to the policy rates. The rate quotes are based on a male driver, no claims, a clean driving record, California state minimum liability limits, full physical damage coverage, and $500 deductibles.
The first bar for each age group shows the price with no discounts. The lower bar shows the rates with safe-driver, accident-free, claim-free, multiple policy, defensive driving course, and marriage discounts applied. When drivers take advantage of discounts, the average yearly reduction on insurance for homeowners is 28% or $576.
How to find budget-friendly car insurance for homeowners
Lowering your rates is not difficult, and here are a few money-saving ideas that can help drivers quote more affordable car insurance.
- Be a safe driver
- Higher credit scores may earn you cheaper rates
- Bundle car and home insurance and save money
- If possible, do not file small claims
- Maintain a safe distance and avoid accidents
- Higher physical damage deductibles lower rates
- Compare rate quotes often
The last idea is very significant, as we stressed in the article above. Car insurance prices vary greatly, so don’t be unwilling to switch companies if a better rate can be found. We understand brand loyalty, but we do not recommend it if that inflexibility results in costing you a small fortune year after year. It only take a few minutes to compare prices to find cheaper auto insurance for homeowners in Fresno.
The Fresno, CA, insurance agents below can help you make a decision which coverage fits your budget, as many people would rather have some advice when shopping for cheaper insurance for homeowners. It’s not always easy to find the cheapest rates, so a professional agent can give comfort knowing your coverage gives you adequate protection.
To find a Fresno insurance agent by location nearest to you, click the link after the list or click here to compare rates now.
Karen Barry-Ennis – State Farm Insurance Agent
1205 E Olive Ave – Fresno, CA 93728 – (559) 268-7431
Leavitt Group
3245 W Figarden Dr – Fresno, CA 93711 – (559) 256-2500
M D Manouel Insurance Inc
7447 N First St – Fresno, CA 93720 – (559) 446-0588
McCarty Insurance
7078 N Maple Ave # 106 – Fresno, CA 93720 – (559) 324-1421
Avakian Insurance Services, Inc.
1274 W Hedges Ave – Fresno, CA 93728 – (559) 268-7386