Aliso Viejo, CA Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Aliso Viejo, CA, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Best Auto Insurance Rates in Aliso Viejo, CA
The average cost of car insurance in Aliso Viejo, CA is $1302 per year. Zimlon’s research found that these prices can be even more affordable with the help of discounts and other factors like driver's age, credit score and deductible. These are explored below by Zimlon to know what options for finding cheap auto insurance rates really are.
The article is about how some people might find cheaper premiums just based on their requirements such as a higher deductible or age.
Based on deductibles
To save some money on car insurance, consider going with a low deductible for more savings. Car owners in Aliso Viejo can get super cheap auto insurance by considering this factor and choosing the right deductibles according to Zimlon's research. Aliso Viejo car owners can get cheap car insurance by considering their deductible. Those who choose a low deductible ($500) usually pay more for auto coverage than those with high deductibles ($1,000). According to Zimlon's research on the topic in Aliso Viejo this difference is $1988 and $1679 respectively.
Multi Car Insurance Rates
Aliso Viejo car owners looking to save on their auto insurance should consider bundling with other types of coverage. For instance life and home can provide a fair discount per month when purchased together from the same company. An analysis by Zimlon found that Aliso Viejo car owners who bundled more than one type of insurance could see a monthly decrease in premiums as they insured both vehicles under the same policy. In Aliso Viejo , insurance companies provide $391 and $586 off on 2 vehicle bundle and 3 vehicles bundle respectively. One can save $781 on auto insurance by bundling 4 vehicles in Aliso Viejo.
Based on the credit score
In most of the states credit score is a major rating factor. Car owners with low credit not only file more claims than car owners with high credit but also their claims seem to be more expensive. Auto insurance companies also provide attractive discounts to car owners with a higher positive credit score and a clean driving history.According to Zimlon’s analysis in Aliso Viejo car owners with a good credit score with 800 or more pay only upto $1117 for insurance whereas those who are low on the totem pole may end up paying considerably more at $2124.
Based on age of the car owner
Teenagers and young residents of Aliso Viejo pay more in car insurance costs since they are considered to be less responsible behind the wheel than older drivers. The average cost for a teenage driver in Aliso Viejo is $4225 while 30-50 year olds can expect to find cheaper rates at less than $1289-$1148 annually. Drivers looking for discounts on their premiums should consider comparing age based policies which offer good student discounts or safe driver/defensive driving incentives that may be available depending upon your needs as well as other factors such as marital status.
Factors that can influence the cost of car insurance in Aliso Viejo, CA are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Aliso Viejo, CA Auto Insurance Rates
- Aliso Viejo, CA Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Aliso Viejo, CA
- Multi Vehicle Insurance Savings in Aliso Viejo, CA
- How Credit Score Affects Car Insurance Rates in Aliso Viejo, CA
- How DUI Affects Auto Insurance Premiums in Aliso Viejo, CA
- Top Auto Insurance Agents Near Aliso Viejo, CA
- How Driving Violations Affect Auto Insurance Rates in Aliso Viejo, CA
- Aliso Viejo, CA Auto Insurance Discounts on Anti Theft Feature
- Aliso Viejo, CA Auto Insurance Company Reviews
Aliso Viejo, CA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Aliso Viejo, CA with that of other cities in and around Aliso Viejo.
|Aliso Viejo||Laguna Niguel||South Coast||Las Flores||Ladera Ranch||Laguna Hills|
|Average Insurance Rates||$1,302||$1,345||$2,011||$2,026||$2,053||$1,379|
Aliso Viejo, CA Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Aliso Viejo, CA based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
|Location||Low Deductible ($500)||High Deductible ($1000)|
Aliso Viejo, CA Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Aliso Viejo, CA usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
|Age of Driver||Insurance Cost|
Aliso Viejo, CA Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Aliso Viejo, CA can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
|Number of Cars||Auto Insurance Cost||Total Savings|
Savings on 2 Vehicles bundle:$391
Savings on 3 Vehicles bundle:$586
Savings on 4 Vehicles bundle:$781
Aliso Viejo, CA Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Aliso Viejo, CA.
|Location||Average Insurance Cost||Post DUI Insurance Rate|
Aliso Viejo, CA Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
|Credit Score||Insurance Cost|
Aliso Viejo, CA Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
|Agent Name||Company||Agent Address||Contact Details|
|Chris Moby Young||State Farm||366 San Miguel Suite 200, Newport Beach, 92660||None|
|Benefitsource Insurance Services||Travelers||28 ARGONAUT STE 100, ALISO VIEJO, 92656||949-215-5431|
|Stratum Insurance Agency Llc||Travelers||18818 TELLER AVE STE 140, IRVINE, 92612||949-270-0609|
|Rodrigo Barajas||Farmers||23161 Mill Creek Dr Ste 100, Laguna Hills, 92653||(714) 696-5950|
|The Keane Insurance Group||None||19800 Macarthur Blvd Irving, Irvine, 92612||None|
|Rick Hackett||Farmers||34249 Camino Capistrano Ste 206, Capistrano Bch, 92624||(949) 943-3610|
|The Wooditch Co Ins Svcs Inc||Liberty Mutual Independent||1 PARK PLZ STE 400, IRVINE, 92614||(949) 553-9800|
|Cindy Jeon||Farmers||3807 Wilshire Blvd Ste 1011, Los Angeles, 90010||(213) 380-8050|
|Friedmann & Friedmann Ins Svcs||Liberty Mutual Independent||3990 WESTERLY PL STE 100, NEWPORT BEACH, 92660||(949) 253-8000|
Aliso Viejo, CA Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
|Driving Violation||Cost Increase||Total Insurance Cost|
|Driving Without Headlights||+$57||$1,359|
|Driver's Failure In Showing Documents||+$126||$1,428|
|Driving With An Expired Registration||+$134||$1,436|
|Driving At A Considerably Slow Pace||+$283||$1,585|
|Using A Cellphone While Driving||+$298||$1,600|
|Running A Red Light||+$303||$1,605|
|Driving A Vehicle Without The Required Permission||+$405||$1,707|
|Driving With An Expired/Suspended License||+$878||$2,180|
Aliso Viejo, CA Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
|Anti Theft Feature||Insurance Cost|
|Active Disabling Device||$1,250|
|Passive Disabling Device||$1,211|
Latest Auto Insurance Reviews in Aliso Viejo, CA | Back to Top
I RATING THIS COMPANY IS 5 AND I RECOMMEND TO THE FRIEND AND RELATION ETC
Geico seems to be the least expensive compared to other local agencies. I have gotten several quotes to attempt to lower my premium, but no one is within $50 monthly on it.
Progressive has good rates, and easy to deal with. I think the app appeals to millenials who like to do things quickly and efficiently over a smooth app interface, which Progressive has.