The best way we recommend to find discount auto insurance rates is to regularly compare quotes from different companies who sell insurance in Fresno.
- Step 1: Take a little time to learn about how companies price auto insurance and the changes you can make to lower rates. Many risk factors that cause high rates such as getting speeding tickets and a not-so-good credit rating can be eliminated by making small lifestyle or driving habit changes. Later in this article we will cover more details to help prevent costly coverage and find additional discounts.
- Step 2: Get rate quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only give rate quotes from one company like GEICO and Allstate, while independent agents can provide rate quotes from multiple insurance companies.
- Step 3: Compare the new rate quotes to your current policy to see if a cheaper rate is available in Fresno. If you can save some money, ensure there is no coverage lapse between policies.
- Step 4: Provide notification to your current company of your intent to cancel your current coverage. Submit the completed application along with a down payment to your new carrier. Don’t forget to keep your new certificate verifying proof of insurance along with your vehicle registration.
A crucial key to this process is that you use similar limits and deductibles on every quote and and to compare as many different insurance providers as possible. This guarantees a level playing field and a better comparison of the market.
Anyone knows that insurance companies don’t want you to compare rates. Drivers who shop for lower prices are inclined to move their business because there is a good probability of finding a policy with more affordable rates. A study showed that drivers who regularly compared price quotes saved over $850 each year as compared to drivers who don’t regularly compare prices.
If finding low prices for auto insurance in Fresno is your ultimate objective, knowing how to shop for coverage rates can make the process less intimidating.
If you have coverage now or want to find a cheaper company, you can use these techniques to find better prices without reducing coverage. Finding and buying the lowest-priced policy in Fresno can be fairly easy. Shoppers only have to learn the most effective way to get comparison quotes over the internet.
The companies in the list below have been selected to offer price quotes in Fresno, CA. If multiple companies are listed, we recommend you click on several of them in order to get a fair rate comparison.
Auto insurance quotes from local neighborhood Fresno car insurance agents
Many people still prefer to get advice from a local agent and doing so can bring peace of mind Experienced insurance agents will help you protect your assets and will help you if you have claims. A good thing about comparing rates online is you can get better rates and still have a local agent. And buying from small agencies is still important in Fresno.
To find an agent, once you fill out this simple form, the quote information is emailed to companies in Fresno who will return price quotes for your auto insurance coverage. You won’t need to search for an agent because quoted prices will be sent instantly to you. If you have a need to get a rate quote for a specific company, feel free to find their quoting web page and fill out their quote form.
Insurance agent types
If you prefer to buy auto insurance from a local insurance agency, it’s helpful to know the different types of agencies and how they are slightly different. Agents in Fresno can be categorized as either independent or exclusive. Both types can do a good job, but it’s good to learn the differences since it may influence the kind of agent you use.
Independent Auto Insurance Agencies or Brokers
Agents in the independent channel are not employed by one company and that enables them to quote your coverage with lots of companies and find you the best rates. To transfer your coverage to a different company, the agent simply finds a different carrier which makes it simple for you.
When comparing rate quotes, you absolutely need to get quotes from several independent insurance agents to get the most accurate price comparison. Most also write with companies you’ve never heard of that can offer cheaper rates than bigger companies.
Shown below is a small list of independent insurance agents in Fresno that may be able to give free price quotes.
- Avakian Insurance Services, Inc.
1274 W Hedges Ave – Fresno, CA 93728 – (559) 268-7386 – View Map - M D Manouel Insurance Inc
7447 N First St – Fresno, CA 93720 – (559) 446-0588 – View Map - Schramm Insurance
964 Pollasky Ave b – Clovis, CA 93612 – (559) 323-0333 – View Map
Exclusive Agents
Exclusive agencies have only one company to place business with and some examples include American Family, State Farm, and Allstate. They are unable to compare other company’s rates so you need to shop around if the rates are high. Exclusive agencies receive a lot of sales training in insurance sales which helps them sell insurance even at higher premiums. A lot of people purchase coverage from exclusives mainly due to the prominent brand name rather than low price.
The following is a short list of exclusive agents in Fresno who can help you get comparison quotes.
- Farmers Insurance: Stephen Leonard
1390 N Wishon Ave – Fresno, CA 93728 – (559) 485-0413 – View Map - Lynn Hamilton – State Farm Insurance Agent
6716 N Cedar Ave #210 – Fresno, CA 93710 – (559) 323-9800 – View Map - Kurt Sieve – State Farm Insurance Agent
1177 N Willow Ave Suite 102 – Clovis, CA 93611 – (559) 900-7908 – View Map
Finding the right insurance agency is decision based upon more than just a cheap quote. Some important questions to ask are:
- How are they compensated?
- If your car is totaled, how to they determine the replacement cost?
- Are they in the agency full-time?
- Are they giving you every discount you deserve?
- Does the agent have professional designations like CIC, CPCU or AIC?
- How much will you save each year by using a higher deductible?
After you get good feedback to all your questions and a low price estimate, you may have just found a car insurance agent that meets your needs to properly service your auto insurance policy. But remember, it’s your coverage and you can cancel a policy at any point so don’t think that you are permanently stuck with a specific company with no way to switch.
Best car insurance in Fresno
Selecting a good quality insurance provider can be challenging considering how many companies sell coverage in California. The ranking information shown below may help you decide which coverage providers you want to consider purchasing coverage from.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
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Data Source: Insure.com Best Car Insurance Companies