Smart shoppers know that insurance companies don’t want customers comparing rates. Consumers who shop around once a year are very likely to switch companies because there is a high probability of finding lower rate quotes. Surprisingly, a recent survey revealed that drivers who shopped around every year saved on average $860 a year as compared to drivers who never shopped around for better prices.
If finding the lowest rates on car insurance in Fresno is your ultimate goal, then understanding how to shop for cheaper coverage can save time, money, and frustration.
Truthfully, the best way to get more affordable Toyota Yaris insurance is to compare quotes once a year from insurers who provide auto insurance in Fresno. This can be done by following these steps.
- Take a little time to learn about what coverages are included in your policy and the measures you can take to keep rates low. Many factors that cause rate increases like accidents, traffic tickets, and a less-than-favorable credit rating can be remedied by making lifestyle changes or driving safer. This article provides ideas to get low prices and earn larger discounts.
- Compare rates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can give quotes from one company like GEICO and State Farm, while independent agencies can quote rates from multiple sources.
- Compare the new rate quotes to your existing policy to see if a cheaper rate is available in Fresno. If you find a better price and switch companies, ensure there is no coverage lapse between policies.
- Tell your current company to cancel your existing policy and submit a down payment along with a completed application to your new insurance company. Once received, place the new certificate verifying coverage in an easily accessible location.
A good piece of advice is that you’ll want to make sure you compare the same coverage limits and deductibles on each price quote and and to get quotes from every insurance company. Doing this helps ensure a fair price comparison and a complete price analysis.
Get cheaper rates by receiving discounts
Insuring your fleet can be pricey, but there may be some discounts that many people don’t even know exist. Some of these discounts will be visible when you quote, but some may not be applied and must be manually applied before they will apply.
- Defensive Driver – Taking part in a course that instructs on driving safety could possibly earn you a 5% discount if you qualify.
- Renewal Discounts – A few auto insurance companies allow discounts for signing up before your current expiration date. Ten percent is about the average savings.
- Full Payment Discount – If you pay your bill all at once instead of making monthly payments you could save up to 5%.
- Drive Less and Save – Driving less could earn substantially lower rates.
- Drive Safe and Save – Drivers without accidents may save up to 50% more than drivers with accidents.
- Online Discount – Some insurance companies provide a small discount get Fresno car insurance over the internet.
- Mature Driver Discount – If you’re over the age of 55, you can get a discount up to 10%.
- ABS Brakes – Cars and trucks with ABS braking systems or traction control can stop better under adverse conditions so companies give up to a 10% discount.
- Waiver for an Accident – This isn’t a discount exactly, but certain companies will allow you to have one accident without raising rates if you have no claims before the accident.
It’s important to understand that most credits do not apply to the entire policy premium. Some only reduce the cost of specific coverages such as collision or personal injury protection. So even though you would think it’s possible to get free car insurance, auto insurance companies aren’t that generous. Any amount of discount will reduce the cost of your policy.
The illustration below illustrates the difference between Toyota Yaris yearly insurance costs with and without discounts applied to the premium. The information is based on a female driver, no claims or violations, California state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, claim-free, homeowner, multi-car, and marriage discounts applied.
A few popular companies and the discounts they provide are detailed below.
- GEICO may offer discounts for seat belt use, anti-lock brakes, emergency military deployment, good student, federal employee, and driver training.
- Auto-Owners Insurance offers discounts including safe vehicle, paid in full, anti-lock brakes, teen driver, and mature driver.
- American Family discounts include multi-vehicle, Steer into Savings, early bird, mySafetyValet, good student, and accident-free.
- Esurance offers discounts for Pac-12 alumni, multi-car, emergency road assistance, paid-in-full, Switch & Save, good driver, and homeowner.
- Progressive includes discounts for online quote discount, online signing, continuous coverage, multi-policy, and good student.
- State Farm has savings for anti-theft, multiple autos, safe vehicle, Drive Safe & Save, and accident-free.
- AAA has discounts for good student, good driver, pay-in-full, anti-theft, multi-policy, multi-car, and education and occupation.
If you need lower rates, check with each insurance company the best way to save money. Some of the earlier mentioned discounts may not apply to policies in Fresno. For a list of companies with the best Toyota Yaris insurance discounts in Fresno, follow this link.
Finding cheap auto insurance rates doesn’t have to be difficult. You just need to invest a few minutes getting comparison quotes to see which company has cheaper Fresno car insurance quotes.
Comparing quotes online is fast and free, and it replaces the need to spend time driving to insurance agents’ offices. The ability to get quotes online has made agencies unnecessary unless you prefer the professional advice of a local Fresno agent. It is possible with some companies price shop your coverage online and still use a local agent.
The companies shown below are ready to provide price comparisons in California. To buy cheap car insurance in Fresno, we recommend you visit as many as you can in order to find the most competitive rates.
Rates and statistics
The premium table displayed below showcases different prices for Toyota Yaris models. Learning how insurance prices are established can be of help when making informed decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Yaris 2-Dr Hatchback | $284 | $708 | $564 | $34 | $168 | $1,758 | $147 |
| Yaris 4-Dr Hatchback | $284 | $708 | $500 | $30 | $150 | $1,672 | $139 |
| Yaris 4-Dr Sedan | $284 | $708 | $500 | $30 | $150 | $1,672 | $139 |
| Yaris S 2-Dr Hatchback | $326 | $708 | $564 | $34 | $168 | $1,800 | $150 |
| Yaris S 4-Dr Hatchback | $326 | $708 | $500 | $30 | $150 | $1,714 | $143 |
| Yaris S 4-Dr Sedan | $326 | $708 | $500 | $30 | $150 | $1,714 | $143 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Rates do not factor in Fresno location which can change auto insurance rates greatly.
Analysis of deductible levels
When shopping for car insurance, a common question is how high should the deductibles for physical damage be. The comparison tables below show the rate difference when you choose different physical damage coverage deductibles. The first rate comparisons uses a $100 deductible for comp and collision and the second price grid uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Yaris 2-Dr Hatchback | $332 | $686 | $500 | $30 | $150 | $1,723 | $144 |
| Yaris 4-Dr Hatchback | $332 | $686 | $442 | $26 | $132 | $1,643 | $137 |
| Yaris 4-Dr Sedan | $332 | $686 | $442 | $26 | $132 | $1,643 | $137 |
| Yaris S 2-Dr Hatchback | $380 | $686 | $500 | $30 | $150 | $1,771 | $148 |
| Yaris S 4-Dr Hatchback | $380 | $686 | $442 | $26 | $132 | $1,691 | $141 |
| Yaris S 4-Dr Sedan | $380 | $686 | $442 | $26 | $132 | $1,691 | $141 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Yaris 2-Dr Hatchback | $184 | $362 | $500 | $30 | $150 | $1,226 | $102 |
| Yaris 4-Dr Hatchback | $184 | $362 | $442 | $26 | $132 | $1,146 | $96 |
| Yaris 4-Dr Sedan | $184 | $362 | $442 | $26 | $132 | $1,146 | $96 |
| Yaris S 2-Dr Hatchback | $210 | $362 | $500 | $30 | $150 | $1,252 | $104 |
| Yaris S 4-Dr Hatchback | $210 | $362 | $442 | $26 | $132 | $1,172 | $98 |
| Yaris S 4-Dr Sedan | $210 | $362 | $442 | $26 | $132 | $1,172 | $98 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Prices do not factor in specific zip code location which can affect insurance rates substantially.
Based on this data, using a $100 deductible will cost you about $42 more each month or $504 for a full year than choosing the higher $1,000 deductible. Since you would pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you go at least 21 months between claims, you would come out ahead if you elect the higher deductible.
How to determine when to raise your deductibles
| Average monthly premium for $100 deductibles: | $141 |
| Average monthly premium for $1,000 deductibles (subtract): | – $99 |
| Monthly savings from raising deductible: | $42 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $42 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 21 months |
One thing to note is that increasing deductibles to save money results in having to pay to pay more out-of-pocket when you file a claim. That will require a higher level of savings in the event you need to pay the higher deductible in order to repair your vehicle.
The diagram below shows how choosing a deductible and can impact Toyota Yaris insurance costs for different age groups of insureds. The prices are based on a married female driver, full coverage, and no discounts are taken into consideration.
Illustration showing the impact of accidents and violations
The illustration below demonstrates how citations and at-fault collisions raise Toyota Yaris yearly insurance costs for each different age category. The prices are based on a married female driver, comp and collision included, $500 deductibles, and no discounts are applied to the premium.
Car insurance premiums by gender
The chart below illustrates the difference between Toyota Yaris premium costs for male and female drivers. The premiums assume no claims, a clean driving record, full physical damage coverage, $1,000 deductibles, single status, and no discounts are applied to the premium.
Special considerations
When choosing coverage for your vehicles, there really is not a one size fits all plan. You are unique and your policy should reflect that.
For instance, these questions might point out whether your personal situation may require specific advice.
- Is there coverage for injuries to my pets?
- Do I have coverage when making deliveries for my home business?
- How can I get high-risk coverage after a DUI?
- Can I afford to pay high deductible claims out of pocket?
- Is a blown tire covered by insurance?
- How can I get my company to pay me more for my totaled car?
- Which is better, split liability limits or combined limits?
- What is PIP insurance?
- Does my car insurance cover rental cars?
If you’re not sure about those questions but one or more may apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of insurance companies in your area. It’s fast, doesn’t cost anything and may give you better protection.
When should I get advice from an insurance agent?
A lot of people would rather buy from a local agent and that is just fine! Professional insurance agents will help you protect your assets and help file insurance claims. The biggest benefit of comparing rate quotes online is that you can find the best rates but also keep your business local. And buying from neighborhood insurance agencies is important particularly in Fresno.
To make it easy to find an agent, after completing this form (opens in new window), your information is transmitted to local insurance agents in Fresno who want to provide quotes for your business. You won’t need to drive around due to the fact that quote results will go immediately to your email address. If you need to compare prices from a specific insurance provider, just jump over to their website and fill out their quote form.
Deciding on an provider requires you to look at more than just the bottom line cost. Any agent in Fresno should have no problem answering these questions:
- Does the agency support the community they serve?
- Do they prorate repair cost based on vehicle mileage?
- Do they see any coverage gaps in your plan?
- Can glass repairs be made at your home?
- What company holds the largest book of business for them?
- How does the company pay claims for a total loss?
Upon getting positive feedback to these questions and the cheapest Toyota Yaris insurance in Fresno quotes, it’s possible that you found a company that is reputable and can provide insurance coverage.
Don’t give up on cheap rates
As you quote Fresno car insurance, it’s a bad idea to reduce coverage to reduce premium. There are too many instances where someone sacrificed collision coverage only to find out they didn’t purchase enough coverage. The ultimate goal is to buy the best coverage you can find at the best possible price while still protecting your assets.
Budget-friendly auto insurance in Fresno is attainable both online in addition to local insurance agencies, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance companies do not offer online rate quotes and usually these small, regional companies only sell through independent insurance agencies.
For more information, feel free to browse the articles below:
- Determining Your Vehicle’s Value and Repair Cost (Insurance Information Institute)
- How Much is Fresno Auto Insurance for First-time Drivers? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for Seniors in Fresno? (FAQ)
- Who Has Affordable Auto Insurance for Good Students in Fresno? (FAQ)
- Teen Driving Statistics (GEICO)
- Safe Vehicles for Teens (iihs.org)
- Alcohol Impaired Driving FAQ (iihs.org)