It’s hard to avoid all the captivating commercials from companies like State Farm, GEICO, and Nationwide that guarantee the cheapest price. So you just need to choose the one with the best commercial, right?
It’s just not that easy, however, as there are a whole bunch of unknowns such as whether or not you have had gaps between policies, what liability limits you need, the number of miles you drive each year, and whether or not you own a home. In this article, we will cover these factors and others that can influence the price of auto insurance and also should give you a good beginning to your quest for cheaper car insurance in San Francisco.
Figuring out which company quotes the best car insurance rates for real estate agents will require a little more effort in order to find the lowest price quote.
Each company uses their own calculation to determine premium rates, so we need to take a look at the most budget-friendly car insurance companies in San Francisco. It’s a good idea to be aware that San Francisco, CA car insurance rates are calculated based on many things which can significantly increase or decrease the cost of a policy. Improving your credit rating, getting married, or getting a few speeding tickets can cause premium changes that can now make some companies cheaper than before.
Find the Cheapest Auto Insurance for Realtors
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Wawanesa | $1,146 |
| 2 | USAA | $1,155 |
| 3 | Century National | $1,214 |
| 4 | CSAA | $1,234 |
| 5 | Nationwide | $1,250 |
| 6 | 21st Century | $1,366 |
| 7 | Grange | $1,447 |
| 8 | Mercury | $1,503 |
| 9 | GEICO | $1,513 |
| 10 | Progressive | $1,542 |
| 11 | Allstate | $1,559 |
| 12 | Allied | $1,588 |
| 13 | The Hartford | $1,623 |
| 14 | MetLife | $1,638 |
| 15 | State Farm | $1,682 |
| 16 | Esurance | $1,705 |
| 17 | Unitrin | $1,733 |
| 18 | Travelers | $1,806 |
| 19 | Bristol West | $1,831 |
| 20 | Farmers | $1,946 |
| Find Your Rate Go | ||
Wawanesa offers some of the best car insurance rates in San Francisco at around $1,146 per year. This is $505 less than the average price paid by California drivers of $1,651. USAA, Century National, CSAA, and Nationwide would also be considered some of the more affordable San Francisco, CA car insurance companies.
In the above example, if you currently have coverage with Nationwide and switched to USAA, you might achieve an annual savings of around $95. Drivers with 21st Century might save as much as $211 a year, and Grange customers might see rate reductions of $292 a year.
To find out how much you can save, click here to begin a quote or quote rates from the companies below.
These prices are averages across all drivers and vehicles and do not take into consideration an exact location for real estate agents. So the auto insurance company that can offer you the best rate may not even be in the top 24 companies in the list above. That emphasizes why you need to compare rates from as many companies as possible using your own personalized driver profile and vehicle information.
For realtors, one of the big factors that aid in calculating insurance cost is where you keep your vehicle. More populated areas tend to pay slightly more, whereas less populated areas benefit from lower prices.
The following table lists the most costly cities in California for real estate agents to buy auto insurance in. San Francisco comes in at #4 with the annual price of $1,711 for coverage, which is about $143 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Los Angeles | $2,168 |
| 2 | Glendale | $2,058 |
| 3 | Oakland | $1,738 |
| 4 | San Francisco | $1,711 |
| 5 | Sacramento | $1,703 |
| 6 | San Bernardino | $1,644 |
| 7 | Long Beach | $1,626 |
| 8 | Fontana | $1,566 |
| 9 | Garden Grove | $1,554 |
| 10 | Stockton | $1,541 |
| 11 | Santa Clarita | $1,533 |
| 12 | Riverside | $1,527 |
| 13 | Moreno Valley | $1,506 |
| 14 | Modesto | $1,502 |
| 15 | Fresno | $1,502 |
| 16 | Santa Ana | $1,439 |
| 17 | Anaheim | $1,430 |
| 18 | Huntington Beach | $1,416 |
| 19 | Fremont | $1,403 |
| 20 | Bakersfield | $1,381 |
| 21 | San Jose | $1,381 |
| 22 | San Diego | $1,368 |
| 23 | Irvine | $1,330 |
| 24 | Oxnard | $1,318 |
| 25 | Chula Vista | $1,311 |
| Find Cheaper Rates Go | ||
Premium costs are approximated as the specific zip code location can impact prices significantly.
The car, truck, or SUV that is being insured is a large factor that determines whether or not you find affordable auto insurance for real estate agents. Vehicles with lower acceleration and performance, good safety features, or a low likelihood of liability claims will cost significantly less to insure than high performance models. The data below outlines coverage prices for some of the most budget-friendly automobiles to buy insurance for.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 4WD | $1,364 |
| Honda Accord LX 4-Dr Sedan | $1,554 |
| Honda CR-V LX 2WD | $1,564 |
| Toyota Tacoma 2WD | $1,581 |
| Chevrolet Impala LS | $1,587 |
| Volkswagen Jetta 2.0T Station Wagon | $1,594 |
| Chevrolet Equinox LS 2WD | $1,613 |
| Toyota RAV4 Limited 4WD | $1,623 |
| Jeep Wrangler Sport 4WD 2-Dr | $1,618 |
| Toyota Prius | $1,721 |
| Nissan Altima Hybrid 4-Dr Sedan | $1,726 |
| GMC Sierra 2500HD SLE Extended Cab 4WD | $1,735 |
| Nissan Rogue S AWD | $1,732 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,739 |
| Dodge Grand Caravan CV | $1,748 |
| Honda Odyssey EX W/Rear Entertainment | $1,811 |
| Ford Focus SE 4-Dr Sedan | $1,821 |
| Ford Fusion SEL AWD 4-Dr Sedan | $1,840 |
| Chevrolet Malibu Hybrid | $1,846 |
| Ford F-150 XL Crew Cab 4WD | $1,909 |
| Compare Rates Now Go | |
Table data represents 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, safe-driver, homeowner, multi-vehicle, and claim-free. Information does not factor in vehicle garaging location which can raise or lower prices significantly.
Looking at the data, we can expect cars like the Ford Escape, Honda Accord, and Honda CR-V should be the cheaper vehicles to insure for realtors.
Careless drivers pay higher rates
The recommended way to receive the cheapest car insurance rates in California for realtors is to be a careful driver and maintain a clean driving record. The illustration below highlights how traffic violations and accident claims drive up car insurance rates for different categories of driver ages. The data assumes a single female driver, full physical damage coverage, $1,000 deductibles, and no policy discounts are applied.
In the previous example, the average cost of a car insurance policy in San Francisco per year with no accidents and a clean driving record is $2,354. Receive one speeding ticket and the average cost swells to $2,674, an increase of $320 each year. Now throw in one accident along with the one speeding ticket and the 12-month cost of car insurance for real estate agents goes up to an average of $3,565. That’s an increase of $1,211, or $101 per month, just for not keeping your driving record clean!
The illustration below highlights how deductible selection can raise or lower annual premium costs when getting quotes for cheap insurance for real estate agents. The premiums assume a married female driver, comp and collision included, and no additional discounts are factored in.
The chart above illustrates that a 30-year-old driver could pocket $476 a year by changing from a $100 deductible to a $500 deductible, or save $712 by switching to a $1,000 deductible. Youthful drivers, such as the 20-year-old chart data, can cut up to $1,008 or more by selecting a higher deductible. If you make the decision to raise deductibles, it is necessary to have enough funds in savings to enable you to cover the extra out-of-pocket expense that comes with higher deductibles.
Here’s why you should shop around
California car insurance rates are impacted by many factors which can substantially decrease or increase the price of your policy. Simply getting older, increasing deductibles, or getting a ticket for running a stop sign may prompt premium changes resulting in some companies being more affordable than competitors.
Additionally, auto insurance companies amend premium rates without warning in order to be able to pay unexpected claims. Significantly higher claims may result in price increases, while lower claims can cause more affordable San Francisco car insurance rates.
As an example, the chart below demonstrates which company has the cheapest car insurance in San Francisco, CA for a 45-year-old female driver with a clean driving record, no accidents, and a good credit rating. If we compare prices based on her current rating profile, USAA might quote the most affordable car insurance rates in San Francisco at $1,514 each year. This is $137 less than the average rate paid by California drivers of $1,651. Wawanesa, CSAA, Nationwide, and Century National are the remaining cheapest San Francisco, CA auto insurance companies.
The chart below compares rates after we give the driver in the first chart a claim surcharge, slightly worse credit, and a couple of points charged on her driving record. Because each insurer has a unique formula for setting prices, comparing rates may now result in a significantly different list of the cheapest San Francisco car insurance companies as shown below.
Grange now has the best price on car insurance in San Francisco with Mercury, Progressive, GEICO, and Allstate now being in the top five. This example demonstrates why it is critical to shop around to find cheap auto insurance quotes for real estate agents. Insurance rates are calculated by many different factors and change dramatically, so the most affordable company when you bought your policy may now be quite expensive.
How to find low-cost car insurance for real estate agents
The list below details some penny-pinching ideas that can help San Francisco drivers get low-cost coverage.
- Vehicles with good safety ratings have lower liability rates
- Earn a discount by not filing claims
- Maintain a clean driving record
- Better credit rating means better rates
- Do not get into accidents
- Compare prices as often as possible
The last tip in the list is especially critical, as was affirmed in the prior information. Coverage rates change frequently, so don’t be unwilling to change to a new company if you find a cheaper price.
Brand loyalty is great, but is isn’t recommended if that loyalty results in overpaying thousands of dollars over several years. Spend a few minutes and shop around and find cheaper insurance for real estate agents in San Francisco.
If you have coverage questions and would like to have a consultation when trying to find lower insurance rates for realtors, the insurance agencies below can most likely answer your questions and help you decide which coverages you need. To locate a San Francisco car insurance agency using an interactive map, click the link at the bottom.
- Lynn Petrie Lange – State Farm Insurance Agent
3717 Buchanan St #100 – San Francisco, CA 94123 – (415) 923-0192 - Wilson Chan – State Farm Insurance Agent
25 Division St #200 – San Francisco, CA 94103 – (415) 593-8802 - Kiet Nguyen – State Farm Insurance Agent
4198 Mission St – San Francisco, CA 94112 – (415) 587-1880 - Alan Chan State Farm Insurance
1820 Van Ness Ave – San Francisco, CA 94109 – (415) 776-2190