The words “economical” and “insurance” really shouldn’t be used together, in particular when shopping around for the lowest insurance prices for good drivers. In an attempt to save some money, let’s open your eyes to some things that determine insurance prices, and see if we can help you take the sting out of the next policy you buy.
For safe drivers, one of the big things that aid in calculating car insurance rates is where you live in Fresno. Areas with high crime rates or more dense population are more likely to have higher rates, whereas less populated areas have the luxury of lower rates.
The table below ranks the most expensive areas in California for good drivers to purchase a policy in. Fresno comes in at #17 with an annual cost of $1,457 for the average insurance policy, which is about $121 per month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Los Angeles | $2,104 |
| 2 | Glendale | $2,058 |
| 3 | San Francisco | $1,745 |
| 4 | Oakland | $1,738 |
| 5 | Sacramento | $1,703 |
| 6 | San Bernardino | $1,628 |
| 7 | Long Beach | $1,626 |
| 8 | Stockton | $1,588 |
| 9 | Santa Clarita | $1,580 |
| 10 | Riverside | $1,527 |
| 11 | Fontana | $1,519 |
| 12 | Garden Grove | $1,508 |
| 13 | Moreno Valley | $1,506 |
| 14 | Modesto | $1,502 |
| 15 | Santa Ana | $1,483 |
| 16 | Anaheim | $1,474 |
| 17 | Fresno | $1,457 |
| 18 | Huntington Beach | $1,402 |
| 19 | Bakersfield | $1,394 |
| 20 | San Jose | $1,381 |
| 21 | Oxnard | $1,358 |
| 22 | Fremont | $1,348 |
| 23 | Irvine | $1,343 |
| 24 | Chula Vista | $1,337 |
| 25 | San Diego | $1,327 |
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Annual rates are estimated as the specific zip code location can modify coverage rates considerably.
Shopping around for cost effective auto insurance is challenging, and determining which companies offer the most affordable auto insurance rates for good drivers takes even more rate comparisons. Each insurer has their own process for establishing rates, so we’ll take a look at the auto insurance companies with the most affordable rates in Fresno, CA.
It’s important to know that Fresno, CA auto insurance rates are influenced by many factors which can substantially decrease or increase the price of coverage. This is why it is crucial to spend some time comparing rates when trying to find the most budget-friendly auto insurance rates for good drivers. Insurance rates are impacted by many risk factors and can change without notice, so the best price a year ago may now be one of the more expensive options.
Find Cheaper Car Insurance for Good Drivers
USAA normally has some of the lowest car insurance rates in Fresno at around $1,121 annually. This is $530 less than the average price paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide also qualify as some of the best Fresno, CA auto insurance companies.
As shown in the rates above, if you are a customer of Century National and switched to USAA, you may realize an annual savings of about $69. California drivers with Nationwide may save as much as $142 a year, and 21st Century policyholders might lower prices by up to $245 a year.
If you want to see how much you could save, click here to begin a quote or visit several of the following companies.
It’s important to note that these prices are averages across all types of drivers and the different vehicles they drive and do not factor in an exact location for good drivers. So the company that fits you best may not even be in the top 24 companies in the list above. That emphasizes why you need to get rate quotes from many companies using your own specific driver information and vehicle.
Discount Fresno insurance rates
Insurers that offer coverage for good drivers may additionally offer discounts that can lower rates by 35% or more if you meet the requirements. Larger auto insurance companies and some of their more popular discounts are outlined below.
- State Farm may have discounts that include driver’s education, good student, multiple policy, student away at school, and anti-theft.
- Progressive offers discounts including multi-policy, good student, online quote discount, multi-vehicle, continuous coverage, and homeowner.
- Travelers has savings for multi-car, continuous insurance, driver training, payment discounts, and IntelliDrive.
- American Family policyholders can earn discounts including early bird, air bags, mySafetyValet, TimeAway discount, Steer into Savings, good student, and multi-vehicle.
- Liberty Mutual has discounts for newly retired, safety features, good student, multi-policy, and new graduate.
The diagram below shows the comparison of premium costs with and without policy discounts. The premiums are based on a male driver, no claims or violations, California state minimum liability limits, full coverage, and $1,000 deductibles.
The first bar for each age group shows the price with no discounts. The second bar shows the rates with claim-free, safe-driver, vehicle safety, homeowner, defensive driving course, and passive restraint discounts applied. When discounts are applied, the average amount saved each year on auto insurance for good drivers is 28% or $516.
Finding the highest-rated car insurance provider can be a challenge considering how many different companies there are to choose from in Fresno. The company information listed below may help you select which providers you want to consider comparing rates with. These ratings are for the companies with a significant amount of written premium nationwide, so smaller regional companies will not be included in this list.
Top 10 Major Auto Insurance Providers in Fresno Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
The chart below illustrates how your choice of deductibles can increase or decrease yearly insurance costs when quoting cheap insurance for good drivers. The rates are based on a single male driver, comp and collision included, and no policy discounts are applied.
The data above shows that a 40-year-old driver could lower their car insurance rates by $362 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $546 by switching to a $1,000 deductible. Even younger drivers, like the Age 20 chart data, have the ability to save up to $1,190 or more by choosing larger deductibles on their policy. If you do make the decision to raise your deductibles, it’s a good idea to have plenty of money set aside to satisfy the extra out-of-pocket expense associated with higher deductibles.
How to find cheaper insurance for good drivers
It is possible to find better rates, and here are some of the better penny-pinching ideas that can help drivers get cheap auto insurance.
- Save money by bundling your home and auto policies
- Do not get traffic citations
- Drivers with good credit ratings often pay less
- Accident-free drivers may qualify for discounts
- Claim-free policyholders usually earn a discount
- Raise physical damage deductibles
- Compare rates once a year for cheaper prices
The last suggestion is remarkably valuable, as was discussed in this write-up. Insurance rates fluctuate constantly, so you should be ready to change to a new company if you find a cheaper price. We understand brand loyalty, but it isn’t a good idea if it’s costing you big bucks every year. It takes less than five minutes to compare prices to find cheaper car insurance for good drivers in Fresno.
If you have coverage questions and would like to have professional advice when trying to find the best insurance rates for good drivers, the agents below can most likely answer your questions and help you decide which policy fits your needs best.
To find an auto insurance agency by location nearest to you, click the button below the list or click here to compare price quotes now.
- Wilson Wong – State Farm Insurance Agent
1341 W Bullard Ave #6 – Fresno, CA 93711 – (559) 438-0470 - Lynn Hamilton – State Farm Insurance Agent
6716 N Cedar Ave #210 – Fresno, CA 93710 – (559) 323-9800 - United Valley Insurance – Easton
5722 S Elm Ave – Fresno, CA 93706 – (559) 268-8813