Fremont California Auto Insurance For Less Than You’re Paying Now

Beginners to shopping for insurance online will find purchasing cut-rate Fremont auto insurance is not as easy as it seems.

You should take the time to check auto insurance prices every six months due to the fact that insurance rates change quite often. Just because you had the lowest rates a few years ago you may be paying too much now. There is a lot of bad information regarding auto insurance online, so I’m going to show you some great ideas on how to slash your auto insurance rates.

Shopping for more affordable coverage in Fremont is not that difficult. If you have a policy now or are shopping for new coverage, you can use this information to shop for the lowest rates while maintaining coverages. California drivers just need to learn the tricks to shop for auto insurance over the internet.

Compare Quotes for Fremont Auto Insurance

Getting a cheaper price on insurance is not a difficult process. You just need to spend a little time getting comparison quotes online from several insurance companies. This can be accomplished in several different ways.

  • The fastest way to compare a lot of rates at once is to use a rate comparison form click here to open form in new window. This method prevents you from having to do multiple quote forms for every auto insurance company. In just a few minutes this one form gets rate comparisons from many national carriers. Just one form and you’re done.
  • A slightly less efficient method to get quotes online is spending the time to visit each company’s website and complete a new quote form. For sake of this example, let’s say you want to compare GEICO, Farmers and American Family. To find out each rate you need to spend time on each company’s site and enter your information, and that’s why the first method is more popular. For a list of links to companies insuring cars in Fremont, click here.
  • The least efficient method to get comparison rates is to spend your day driving to insurance agents’ offices. The internet has reduced the need for local agents unless you prefer the professional advice only provided by licensed agents. It is possible to price shop online but buy from a local insurance agent and we’ll talk about that later.

Whichever way you use, make absolute certain that you use apples-to-apples coverage information for each comparison quote. If each company quotes different limits and deductibles on each one it will be impossible to make an equal comparison in Fremont.

Don’t overlook these discounts

The price of auto insurance can be rather high, buy you may qualify for discounts to help offset the cost. Some discounts apply automatically at the time of quoting, but some must be requested specifically prior to receiving the credit. If you don’t get every credit possible, you are throwing money away.

  • Lower Rates for Military – Having a deployed family member could mean lower rates.
  • Memberships – Affiliation with certain professional organizations could trigger savings on your policy.
  • Employee of Federal Government – Employees or retirees of the government could cut as much as 10% off with select insurance companies.
  • Seat Belts Save – Buckling up and requiring all passengers to wear their seat belts could save 15% off your medical payments premium.
  • Theft Prevention Discount – Anti-theft and alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Save over 55 – If you’re over the age of 55, you may receive a small decrease in premiums.
  • Life Insurance – Some companies give a break if you buy a life insurance policy as well.
  • Own a Home – Being a homeowner may earn you a small savings because of the fact that having a home is proof that your finances are in order.
  • Air Bag Discount – Factory air bags or motorized seat belts can get savings of more than 20%.

Drivers should understand that most discount credits are not given to all coverage premiums. Most only reduce specific coverage prices like comp or med pay. So despite the fact that it appears you could get a free auto insurance policy, you’re out of luck. Any qualifying discounts will bring down the amount you have to pay.

How to Lower your Auto Insurance Rates

An important part of buying insurance is that you know the rating factors that go into determining auto insurance rates. When you know what positively or negatively impacts premium levels allows you to make educated decisions that may reward you with much lower annual insurance costs.

  • Bundling policies can get discounts – Many companies give discounts to policyholders who have multiple policies with them, otherwise known as a multi-policy discount. Even though this discount sounds good, it’s in your best interest to compare rates to verify if the discount is saving money.
  • Liability coverage protects you – Your policy’s liability coverage is the protection if ever you are found to be at fault for causing damage or personal injury in an accident. It will provide legal defense coverage which can be incredibly expensive. This coverage is very inexpensive as compared to coverage for physical damage, so do not skimp.
  • Higher deductibles cost less – Physical damage deductibles represent how much money you are willing to pay if you file a covered claim. Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, covers damage that occurs to your car. A few examples of covered claims could be colliding with a building, collision with an animal, and burglary. The more expense you have to pay, the less your company will charge you for insurance.
  • Type of vehicle determines base rates – The performance level of the car you drive makes a substantial difference in how high your rates are. Low performance passenger models usually have the lowest rates, but other factors influence the final cost greatly.

Your insurance agent down the street

Certain consumers just want to get advice from a local agent. Educated insurance agents are trained to spot inefficiencies and give you someone to call. One of the best bonuses of price shopping on the web is you may find the best rates but also keep your business local. Supporting local agencies is especially important in Fremont.

By using this short form, your insurance coverage information is sent to companies in Fremont who will compete for your insurance coverage. You never need to leave your house due to the fact that quote results will go directly to your email. It doesn’t get any easier!<img class="alignright" style="padding-top:15px;" src="" alt="Fremont California car insurance quote”/>

How to choose the best insurance agent in Fremont

When finding a good Fremont insurance agent, there are a couple of different types of agents to choose from. Fremont agents can either be captive or independent. Both do a good job, but it’s worth mentioning how they are different since it may influence the type of agent you choose

Independent Insurance Agents

Independent insurance agents are not required to write business for one company but instead can place your coverage with multiple insurance companies and potentially find a lower price. If you are not satisfied with one company, your agent can switch companies without you having to go to a different agency. When shopping rates, it’s recommended you contact at a minimum one independent agency for maximum quote selection. They often place coverage with different regional companies which can save you money.

The following are independent agents in Fremont that are able to give price quote information.

  • Sonny Hubbard Agency – 3833 Peralta Blvd # C – Fremont, CA 94536 – (510) 792-9040
  • All Bay Insurance Brokers – 39352 Fremont Blvd – Fremont, CA 94538 – (510) 745-9092
  • Suzan Pheley Agency – 46850 Warm Springs Blvd – Fremont, CA 94539 – (510) 490-8400
  • Eddie Huang Insurance – 3100 Mowry Ave # 401 – Fremont, CA 94538 – (510) 796-6722
  • Amy Huang Agency – 4510 Peralta Blvd # 5 – Fremont, CA 94536 – (510) 713-8086
Agency Captives

Captive agencies can only write with one company and some examples include Allstate, AAA, Liberty Mutual and State Farm. They are unable to give you multiple price quotes so it’s a take it or leave it situation. Captives are usually quite knowledgeable on the products they sell which helps them compete with independent agents. Consumers frequently buy insurance from these agents partially due to the brand legacy and solid financial strength.

The following is a list of captive insurance agencies in Fremont that are able to give price quotes.

  • Farmers Insurance Group – 4181 Cushing Pkwy – Fremont, CA 94538 – (510) 668-0975
  • State Farm Insurance – 44840 S Grimmer Blvd – Fremont, CA 94538 – (510) 657-2322
  • Allstate Insurance – 4075 Papazian Way – Fremont, CA 94538 – (510) 624-9010

To view a complete directory of captive insurance agencies in Fremont, simply jump to this page.

Deciding on an insurance agent should depend on more than just a cheap price. Agents should be asked these questions:

  • Do they review policy coverages at every renewal?
  • Does the company allow you to choose your own collision repair facility?
  • How much will you save each year by using a higher deductible?
  • Do they assist clients in filing claims?
  • Are claim adjusters local or do you have to take your car somewhere else?
  • Who are their largest clients?

Upon receiving answers to your satisfaction to all your questions in addition to an acceptable price estimate, you’ve probably found an insurance agency that is a good match to adequately provide auto insurance.

Insurance agents can help

When buying coverage for your vehicles, there is no best way to insure your cars. Your needs are not the same as everyone else’s.

These are some specific questions might point out whether or not you will benefit from professional help.

  • Does my policy cover me when driving someone else’s vehicle?
  • Does coverage extend to a rental car in a foreign country?
  • Do I need motorclub coverage?
  • Do I need rental car coverage?
  • Am I covered when driving a rental car?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and you can get the answers you need.

insurance quote California

Additional auto insurance information can be found on the California Department of Insurance website found here. Consumers can file complaints about an insurance agent or broker, report car insurance fraud, and learn about insurance regulations.

More related Fremont auto insurance information:

Affordable insurance is out there

Throughout this article, we presented some good ideas how to reduce auto insurance prices online. The key concept to understand is the more times you quote, the better your chances of lowering your rates. You may be surprised to find that the lowest priced auto insurance comes from the least-expected company.

Lower-priced auto insurance can be purchased from both online companies as well as from independent agents in Fremont, and you should be comparing both so you have a total pricing picture. Some auto insurance companies don’t offer the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

Insureds change insurance companies for a variety of reasons including policy non-renewal, policy cancellation, delays in responding to claim requests or high prices. It doesn’t matter what your reason, finding a new company can be less work than you think.