Surprisingly, a recent survey revealed that the vast majority of drivers kept buying from the same company for four years or more, and approximately 40% of consumers have never even shopped around for lower-cost coverage. Many consumers in Fresno could save approximately $470 every year just by getting comparison quotes, but most tend to underestimate the rate savings if they switched to a cheaper policy.
The best way to get budget Chevy Captiva Sport insurance in Fresno is to begin comparing prices regularly from different companies that sell auto insurance in California.
- Step 1: Gain an understanding of how your policy works and the things you can change to prevent high rates. Many things that cause rate increases like tickets, at-fault accidents, and a negative credit rating can be rectified by making minor changes to your lifestyle. Read the full article for additional tips to help find cheaper rates and get bigger discounts.
- Step 2: Compare price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only provide price estimates from a single company like GEICO and State Farm, while agents who are independent can provide rate quotes from multiple sources. Select a company
- Step 3: Compare the price quotes to your existing coverage to see if switching to a new carrier will save money. If you find a better price and switch companies, make sure there is no lapse in coverage.
- Step 4: Provide written notification to your current company to cancel your current policy. Submit a completed policy application and payment for the new coverage. As soon as you receive it, place the new proof of insurance paperwork along with the vehicle’s registration papers.
A good tip to remember is to use the same coverage limits and deductibles on each price quote and and to analyze as many companies as you can. Doing this ensures a level playing field and many rates to choose from.
Finding the cheapest coverage in Fresno can be much easier if you know how to start. If you have a current auto insurance policy or are looking for a new policy, you can use these techniques to buy cheaper auto insurance while maintaining coverages. Comparison shoppers just need to know the most efficient way to shop online.
Finding low cost Chevy Captiva Sport insurance quotes doesn’t have to be difficult. Just take a few minutes comparing rate quotes from online providers.
The companies shown below are ready to provide price quotes in California. In order to find the best cheap auto insurance in Fresno, it’s a good idea that you visit two to three different companies to get the most competitive price.
Insurance discounts are available to lower rates
Some companies don’t always publicize every discount available very clearly, so the list below contains both the well known as well as the least known credits available to lower your premiums when you buy Fresno auto insurance online.
- Student in College – Kids who live away from home at college and leave their car at home can be insured at a reduced rate.
- Theft Deterrent – Vehicles equipped with anti-theft or alarm systems can help prevent theft and that can save you a little bit as well.
- Fresno Homeowners Discount – Just being a homeowner may earn you a small savings because maintaining a house requires a higher level of personal finance.
- Drive Less and Save – Driving fewer miles could be rewarded with cheaper premium rates.
- Accident Forgiveness – This isn’t a discount exactly, but some insurance companies permit an accident without getting socked with a rate hike if your claims history is clear for a specific time period.
- Air Bag Discount – Factory options such as air bags or automatic seat belts can receive discounts of 25 to 30%.
- Anti-lock Brake System – Cars that have steering control and anti-lock brakes prevent accidents and therefore earn up to a 10% discount.
- Pay Early and Save – If you pay your bill all at once instead of monthly or quarterly installments you can avoid the installment charge.
- Auto/Home Discount – If you insure your home and vehicles and insure them both with the same insurance company you could earn a discount of at least 10 to 15 percent or more.
Keep in mind that most discounts do not apply to the entire policy premium. Most only reduce individual premiums such as medical payments or collision. Even though it appears all those discounts means the company will pay you, you won’t be that lucky.
Popular insurance companies and a selection of discounts are detailed below.
- State Farm offers discounts for multiple policy, good driver, safe vehicle, passive restraint, defensive driving training, and good student.
- GEICO policyholders can earn discounts including five-year accident-free, anti-theft, emergency military deployment, driver training, daytime running lights, seat belt use, and air bags.
- Progressive may include discounts for multi-policy, homeowner, online signing, multi-vehicle, and continuous coverage.
- 21st Century may have discounts that include defensive driver, student driver, driver training, 55 and older, and homeowners.
- American Family offers discounts including air bags, early bird, mySafetyValet, Steer into Savings, good driver, multi-vehicle, and good student.
- The Hartford offers premium reductions for vehicle fuel type, driver training, defensive driver, good student, anti-theft, and bundle.
- AAA discounts include AAA membership discount, education and occupation, good student, multi-car, multi-policy, good driver, and anti-theft.
When getting free Fresno auto insurance quotes, it’s a good idea to every company to apply every possible discount. A few discounts might not apply in Fresno.
Local neighborhood Fresno car insurance agents
A small number of people still prefer to get advice from a local agent and that is not a bad decision Agents are trained to spot inefficiencies and will help you if you have claims. A good thing about getting free rate quotes online is that you can obtain lower car insurance rates but also keep your business local.
To find an agent, once you fill out this quick form, the quote information is instantly submitted to local insurance agents in Fresno that can provide free Fresno auto insurance quotes for your insurance coverage. There is no need to even leave your home because quoted prices will be sent to you instantly. If you have a need to compare rates from a specific company, feel free to navigate to their website and fill out the quote form the provide.
Deciding on a company requires more thought than just the bottom line cost. Ask your prospective agent these questions:
- Where would glass claims be handled in Fresno?
- Will you get a loaner vehicle if you car is being repaired?
- Do they specialize in personal lines auto insurance in Fresno?
- What is the financial rating for the quoted company?
- Will one accident increase rates?
- Has the agent ever had any license suspensions?
- Does the company allow you to choose your own collision repair facility?
- How does the company pay claims for a total loss?
Exclusive and independent Fresno auto insurance agents
When narrowing the list to find a reputable agency, it’s helpful to know the types of insurance agents and how they function. Auto insurance policy providers can either be exclusive or independent agents depending on their company appointments. Either one can write policy coverage, but it’s important to know why they differ because it may have an impact on the kind of agent you use.
Exclusive Insurance Agents
Exclusive agents can only quote rates from one company like Farmers Insurance, American Family, State Farm and Allstate. Exclusive agencies are unable to provide prices from multiple companies so keep that in mind. Exclusive insurance agents receive extensive training on their company’s products and that allows them to sell at a higher price point. Consumers often use the same exclusive agent mainly due to the prominent brand name and strong financial ratings.
Listed below are Fresno exclusive agents willing to provide comparison quotes.
- Janean Wolfe – State Farm Insurance Agent
7089 N Marks Ave #105 – Fresno, CA 93711 – (559) 432-6392 – View Map - Allstate Insurance: David Frisby
1625 E Shaw Ave #148 – Fresno, CA 93710 – (559) 224-2100 – View Map - Farmers Insurance – Jagdeep Singh
4185 W Figarden Dr #101 – Fresno, CA 93722 – (559) 527-5530 – View Map
Independent Agents (or Brokers)
Agents in the independent channel do not sell for just one brand so they have the ability to put coverage with any number of different companies and help determine which has the cheapest rates. If your agent finds better pricing, an independent agent can move your coverage which requires no work on your part.
When comparing auto insurance rates, we recommend you compare quotes from independent agents so that you have a good selection of quotes to compare. Most also write with less well-known companies which can save you money.
The following is a list of independent insurance agencies in Fresno who can help you get price quote information.
- Van Beurden Insurance Services, Inc.
7676 N Palm Ave #106 – Fresno, CA 93711 – (559) 436-6655 – View Map - United Valley Insurance Services
3245 W Figarden Dr – Fresno, CA 93711 – (559) 256-2500 – View Map - Agri-Center Insurance Inc
2650 W Shaw Ln – Fresno, CA 93711 – (559) 233-0123 – View Map
Insurance agents can help
When selecting a policy for your vehicles, there really is no single plan that fits everyone. Your financial needs are unique.
These are some specific questions could help you determine if you could use an agent’s help.
- Am I covered while delivering pizza?
- When would I need additional glass coverage?
- Do I need medical payments coverage since I have good health insurance?
- Do I need added coverage for expensive stereo equipment?
- Do I have coverage for damage caused while driving under the influence?
- When should I not file a claim?
- What can I do if my company denied a claim?
- Does my Chevy Captiva Sport need full coverage?
If you can’t answer these questions then you might want to talk to a licensed agent. If you don’t have a local agent, simply complete this short form. It only takes a few minutes and can help protect your family.
Lower the Price of Car Insurance with These Tips
It’s important that you understand some of the factors that come into play when calculating the level of your policy premiums. When you understand what influences your rates, this enables you to make decisions that could result in much lower annual insurance costs.
The items below are a few of the things companies use to determine prices.
Lower physical damage deductibles cost more – Physical damage protection, also called comprehensive and collision insurance, covers damage that occurs to your Chevy. A few examples of covered claims could be collision with another vehicle, flood damage, or theft. Physical damage deductibles state the amount of money you are required to spend out-of-pocket in the event of a claim. The more you have to pay, the less your company will charge you for insurance.
Safer cars save money – Safer cars tend to be cheaper to insure. The safest vehicles have better occupant injury protection and reduced instances of injuries means your insurance company pays less which can mean better rates for you.
Cheap premiums for being claim-free – If you tend to file frequent claims, you can definitely plan on increased rates or even have your policy non-renewed. Insurance companies in California give cheaper rates to people who are claim-free. Your car insurance is intended to be relied upon for more catastrophic claims.
Mature drivers pay less – Older insureds are proven to be safer behind the wheel, cost insurance companies less in claims, and get fewer tickets. Teenage drivers are known to get distracted easily when at the wheel of a vehicle so they pay higher car insurance rates.
Chevy Captiva Sport claim statistics – Car insurance companies study historical loss data in order to profitably underwrite each model. Models that have higher loss trends will have higher premium rates. The information below illustrates the insurance loss data for Chevy Captiva Sport vehicles.
For each type of coverage, the claim amount for all vehicles as a whole is equal to 100. Numbers under 100 represent a good loss history, while values that are 100 or greater point to more claims or larger claims.
| Vehicle Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Chevrolet Captiva Sport 4dr 2WD | 89 | 95 | 88 | 123 | 115 | 105 |
Statistics from IIHS.org for 2013-2015 Model Years
Why auto insurance is not optional
Despite the high insurance cost for a Chevy Captiva Sport in Fresno, insuring your vehicle may be mandatory for several reasons.
- Most states have mandatory insurance requirements which means you are required to carry a specific minimum amount of liability in order to license the vehicle. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you have a lien on your Captiva Sport, most lenders will stipulate that you have insurance to guarantee loan repayment. If you default on your policy, the lender may have to buy a policy to insure your Chevy at a much higher rate and force you to pay the higher premium.
- Auto insurance preserves both your Chevy Captiva Sport and your assets. Insurance will also pay for hospital and medical expenses for not only you but also any passengers injured in an accident. Liability insurance will also pay attorney fees if you are named as a defendant in an auto accident. If mother nature or an accident damages your car, comprehensive and collision coverage will pay all costs to repair after the deductible has been paid.
The benefits of buying enough insurance more than offset the price you pay, particularly if you ever have a claim. On average, a vehicle owner in Fresno overpays as much as $855 a year so shop around each time the policy renews to help ensure money is not being wasted.
What is the best auto insurance company in Fresno?
Buying coverage from a high-quality company is difficult considering how many companies are available to choose from in Fresno. The rank data below may help you analyze which car insurance companies you want to consider when looking for cheaper rates.
Top 10 Fresno Car Insurance Companies Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA of Southern California – 92%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
Top 10 Fresno Car Insurance Companies Ranked by Value
- USAA
- American Family
- The Hartford
- AAA of Southern California
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Mercury Insurance
- Nationwide
Find affordable auto insurance prices by comparing often
As you restructure your insurance plan, it’s not a good idea to buy poor coverage just to save money. There are too many instances where consumers will sacrifice full coverage only to regret that the savings was not a smart move. Your goal should be to get the best coverage possible at an affordable rate while still protecting your assets.
You just read a lot of techniques to lower your Chevy Captiva Sport insurance premium rates in Fresno. The key concept to understand is the more rate comparisons you have, the higher your chance of finding affordable Chevrolet Captiva Sport insurance quotes. You may even discover the best price on auto insurance is with a smaller regional carrier.
More affordable auto insurance in Fresno can be bought on the web and with local Fresno insurance agents, so you should compare both to have the best chance of lowering rates. A few companies don’t offer online quoting and usually these regional carriers sell through local independent agents.
For more information, feel free to visit these articles:
- Teen Driving and Texting (State Farm)
- How Much is Fresno Auto Insurance for Police Officers? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for a Dodge Grand Caravan in Fresno? (FAQ)
- What Auto Insurance is Cheapest for a Toyota Corolla in Fresno? (FAQ)
- Who Has Cheap Auto Insurance Rates for a Toyota Tacoma in Fresno? (FAQ)
- Who Has the Cheapest Car Insurance for Used Cars in Fresno? (FAQ)
- Understanding Car Crashes Video (iihs.org)
- Understanding Your Insurance Deductible (Insurance Information Institute)
- Five Tips to Save on Auto Insurance (Insurance Information Institute)