Selecting the car insurance Fresno, CA drivers prefer may not be your most economical choice. You can find a personalized quote for your situation at Californiacarinsurancerates.net. Use the website to find cheap car insurance in Fresno when you enter details in the quote box you see above. Once the answers are in, you just hit “go.” The quote you receive can start saving you money today.
Fresno Car Insurance Quotes Can Save You Up to $293 Each Year
Drivers in Fresno pay an average of $1,461 for their auto insurance. That is over $200 more expensive than the Fresno County average of $1,245. Fresno residents pay just under 6% more for auto insurance than the average California resident.
How Car Insurance Fresno Rates are Determined
The process insurance companies use in setting car insurance rates considers a lot of different items. Each insurance provider weighs the risks against the rates that make them competitive with other providers. It is known that everyone’s driving plays a role in their insurance costs. Other items, like the make, model and age of your car, either increase or decrease total insurance costs. Other items include:
- Location – Insurance providers look at larger cities as areas of greater risk for accident and damage claims. The concentration of cars and drivers will cause insurance rates to be higher. A population of 390,240 for Fresno County was reported for 2010. This gives the area a population density of 4,740 residents per square mile.
- Driving To Work – Fresno commuters find frequent delays during rush hours. Driving to and from work in rush-hour traffic presents an increased risk of accidents. This is a factor that causes higher rates for car insurance. Fresno commuting times average 20 minutes. Fatal accidents were reported to occur at a rate of 4.8 per 100,000 people in 2009.
- Auto Thefts – The theft of vehicles in large cities is a major expense for insurance providers. Rates charged for coverage in urban centers reflect this cost. On an individual level, coverage can be more expensive if it is for a car on the list of often stolen vehicles. Various anti-theft devices can be purchased and installed to reduce these costs. A total of 4,780 cars was reported stolen in Fresno in 2011.
- Education – One factor that can lower insurance rates is higher educational levels within a community and for individuals. It has been shown that higher levels of education result in fewer insurance claims. Rates are adjusted by insurance companies based on educational levels in a community. College graduates make up 13% of Fresno residents. This is a lower rate than the 17% average for all California residents. High school diplomas are held by 20% of residents, equal to the state average.
Our website makes it easy to find cheap car insurance in Fresno. Visit Californiacarinsurancerates.net for the coverage you need at the best rates. Personalized quotes can be found quickly by just entering the few details you find at the quote widget located below. There’s no reason to delay when you can start saving on auto insurance today.