Do you want to learn to get lower-priced Toyota Prius insurance in San Francisco? Nobody I know rejoices having to buy car insurance, especially knowing their premiums are too high.
Shocking but true, almost 70% of insureds kept their coverage with the same car insurance company for well over three years, and nearly half have never compared rates with other companies. Many consumers in San Francisco can save roughly 35% each year by just comparing quotes, but they don't want to take the time to do a rate comparison. Companies like State Farm, GEICO and Farmers Insurance increase brand awareness with TV and radio ads and consumers find it hard to see past the geckos and flying pigs and take the time to shop coverage around.
Affordable rates by applying discounts
Some insurers don't list the complete list of policy discounts in an easy-to-find place, so the list below contains a few of the more common and the more hidden credits available to lower your premiums when you buy San Francisco car insurance online.
- Active Service Discounts - Having a family member in the military can result in better rates.
- Driver Education Discount - Reduce the cost of insurance for teen drivers by having them take driver's ed class in school or through a local driver safety program.
- Resident Student - Children who live away from home at college and don't have a car may be able to be covered for less.
- Paper-free Discount - Some of the larger companies may give you up to $50 for buying a policy and signing up on their website.
- Discounts for New Vehicles - Adding a new car to your policy can get you a discount compared to insuring an older model.
Policy discounts save money, but most of the big mark downs will not be given to the entire cost. Most cut specific coverage prices like comp or med pay. Despite the appearance that all those discounts means the company will pay you, that's just not realistic. Any amount of discount will bring down the cost of coverage.
Car insurance companies that may offer some of the discounts shown above are:
Before purchasing a policy, check with every company the best way to save money. Savings may not be available in every state. To locate auto insurance companies that offer multiple discounts in California, follow this link.
The companies shown below can provide price quotes in San Francisco, CA. If multiple companies are listed, it's a good idea that you visit two to three different companies to find the cheapest car insurance rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Get Your Own Custom Quote Go|
Prices above based on 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, homeowner, multi-vehicle, safe-driver, and claim-free. Premium amounts do not factor in your specific San Francisco location which can modify price quotes greatly.
Rate increases following a ticket or accident
The example below demonstrates how citations and at-fault collisions impact Toyota Prius car insurance rates for each age group. The premiums assume a married male driver, comp and collision included, $250 deductibles, and no discounts are applied to the premium.
Gender-based car insurance rates by age
The diagram below shows the comparison of Toyota Prius car insurance costs for male and female drivers. The rates are based on no claims or driving violations, comprehensive and collision coverage, $1,000 deductibles, drivers are single, and no policy discounts are applied.
Should I have guidance from an insurance agent?
A small number of people would rather get advice from a local agent and we recommend doing that Experienced insurance agents are very good at helping people manage risk and help you file claims. One of the great benefits of comparing insurance online is that drivers can save money and get cheaper car insurance rates but also keep your business local.
Upon completion of this short form, your insurance data is sent to insurance agents in San Francisco who can give free rate quotes for your coverage. You never need to contact any agents since rate quotes are delivered directly to your email. If you wish to compare rates from a specific insurance provider, feel free to visit that company's website and give them your coverage information.
Finding the right insurer is decision based upon more than just a cheap price quote. Ask your prospective agent these questions:
- Does the agent have a valid license to sell insurance in California?
- Is working in the agency their full-time job?
- Who is covered by the car insurance policy?
- Do the companies they represent have a solid financial rating?
- Is the agency active in community causes in San Francisco?
When finding local San Francisco agents, it helps to know the two types of agencies that you can select. San Francisco agents are either independent agents or exclusive agents depending on their employer. Either type can sell and service insurance coverage, but it's worth learning how they are different because it can factor into your agent selection.
Exclusive Insurance Agents
Agents in the exclusive channel normally can only provide a single company's rates such as American Family, State Farm, and Allstate. They are unable to provide rate quotes from other companies so you might not find the best rates. Exclusive insurance agents receive a lot of sales training in insurance sales which helps them compete with independent agents.
Below are San Francisco exclusive agencies who may provide you with rate quotes.
Independent Agents (or Brokers)
These agents are not locked into one company so they have the ability to put coverage amongst many companies depending on which coverage is best. If they find a lower price, they simply move the coverage in-house which requires no work on your part.
When comparing rate quotes, you will definitely want to compare prices from at a minimum one independent agency to ensure the widest selection of prices.
Listed below is a list of independent agents in San Francisco that are able to give rate quotes.
How much can you save?
When getting San Francisco car insurance quotes online, never buy lower coverage limits just to save a few bucks. In many instances, an insured dropped liability coverage limits only to regret that saving that couple of dollars actually costed them tens of thousands. The goal is to buy the best coverage you can find at the lowest possible cost, not the least amount of coverage.
Some insurance companies don't offer internet price quotes and most of the time these small, regional companies sell through independent agents. Low-cost Toyota Prius insurance in San Francisco can be found on the web in addition to local insurance agencies, so you should be comparing quotes from both in order to have the best chance of saving money.
Much more information about car insurance in California is located below:
- Cellphones, Texting and Driving (iihs.org)
- Who Has Affordable California Car Insurance Quotes for Unemployed Drivers? (FAQ)
- Who Has Cheap Car Insurance for Teachers in California? (FAQ)
- Which Company has the Cheapest Auto Insurance in Stockton, California? (FAQ)
- Crash Avoidance Technologies FAQ (iihs.org)
- Electronic Stability Control FAQ (iihs.org)
- Credit and Insurance Scores (Insurance Information Institute)
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)