Anderson, CA Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Anderson, 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.
Affordable Car Insurance in Anderson, California
In Anderson, California, the average price of car insurance is $1,784. Car insurance is essential because it helps cover the cost of damages that may occur to your car or other property in the event of an accident. It also protects against liability that could be incurred if you cause an accident that results in injuries to another person. Depending on the driver's needs, car insurance firms offer a variety of car insurance packages. These plans come with a wide range of costs and coverages from company to company. Follow the guidelines below if you're looking for the best car insurance deals in Anderson, California.
1. Age of the driver
The driver's age can affect the auto insurance rates because the younger the driver, the more risk they are to the insurance company. The insurance company will charge the young driver a higher premium to offset the risk. In Anderson, California, for example, teenagers pay $5,789 for auto insurance, whereas older drivers aged 30 pay $1,766.
2. Maintain a high credit score
Generally, the higher your credit score, the lower your auto insurance rates. This is because insurance companies view people with high credit scores as more responsible as they are less likely to file a claim. In Anderson, California, for example, car owners with exceptional credit have to pay $1,531, while those with poor or inadequate credit must pay $2,910. Therefore, car owners must have a solid credit score to qualify for lower auto insurance rates in Anderson, CA.
3. Avoid driving under the influence (DUI)
One of the major factors affecting car insurance costs is whether or not the driver has been convicted of driving under the influence (DUI). Drivers with a DUI on their record can expect to pay much higher rates than those who have not been convicted of this offense. Insurance companies view DUI convictions as a high-risk behavior and are unwilling to insure drivers who have been convicted of this offense. For example, Anderson, California, has a $1,784 average cost for car insurance. Automobile owners who have a DUI conviction on their record pay a $4,393 post-DUI premium. As a result, car insurance rates become more expensive after a DUI.
Factors that can influence the cost of car insurance in Anderson, 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.
- Anderson, CA Auto Insurance Rates
- Anderson, CA Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Anderson, CA
- Multi Vehicle Insurance Savings in Anderson, CA
- How Credit Score Affects Car Insurance Rates in Anderson, CA
- How DUI Affects Auto Insurance Premiums in Anderson, CA
- Top Auto Insurance Agents Near Anderson, CA
- How Driving Violations Affect Auto Insurance Rates in Anderson, CA
- Anderson, CA Auto Insurance Discounts on Anti Theft Feature
Anderson, CA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Anderson, CA with that of other cities in and around Anderson.
| Anderson | Cottonwood | Redding | Lake California | Palo Cedro | Bella Vista | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,784 | $1,778 | $1,212 | $1,797 | $1,849 | $1,820 |
Anderson, 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 Anderson, 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) |
|---|---|---|
| Anderson | $2,907 | $2,455 |
| Cottonwood | $1,539 | $1,300 |
| Palo Cedro | $1,097 | $927 |
| Redding | $1,336 | $1,128 |
| Lake California | $1,755 | $1,482 |
| Millville | $1,496 | $1,263 |
| Shasta | $1,075 | $908 |
| Bella Vista | $1,354 | $1,144 |
Anderson, CA Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Anderson, 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 |
|---|---|
| Teens | $5,789 |
| 20 Years | $2,292 |
| 30 Years | $1,766 |
| 40 Years | $1,699 |
| 50 Years | $1,573 |
| 60 Years | $1,595 |
| 70 Years | $1,857 |
Anderson, CA Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Anderson, 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 |
|---|---|---|
| 2 Vehicles | $3,104 | $464 |
| 3 Vehicles | $4,656 | $696 |
| 4 Vehicles | $6,208 | $928 |
Savings on 2 Vehicles bundle:$464
Savings on 3 Vehicles bundle:$696
Savings on 4 Vehicles bundle:$928
Anderson, 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 Anderson, CA.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Anderson | $1,784 | $4,393 |
| Cottonwood | $1,778 | $4,378 |
| Palo Cedro | $1,849 | $4,553 |
| Redding | $1,212 | $2,984 |
| Lake California | $1,797 | $4,425 |
| Millville | $1,895 | $4,666 |
| Shasta | $1,833 | $4,513 |
| Bella Vista | $1,820 | $4,481 |
Anderson, 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 |
|---|---|
| Exceptional (800-850) | $1,531 |
| Excellent (740-799) | $1,747 |
| Good (670-739) | $1,859 |
| Average (580-669) | $2,425 |
| Poor (300-579) | $2,910 |
Anderson, 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 |
|---|---|---|---|
| Scott Schumacher | State Farm | 2580 Victor Ave Ste A, Redding, 96002-1455 | 530-222-8200 |
| Sean Rix | State Farm | 2150 Main St Ste 15, Red Bluff, 96080-2372 | 530-527-1041 |
| Richard Pearsall | State Farm | 2185 Churn Creek Rd Ste E, Redding, 96002-0729 | 530-222-2886 |
| Craig Winton | State Farm | 2825 Bechelli Ln, Redding, 96002-1922 | 530-223-5598 |
| Michael Walsh | Farmers | 3605 Bechelli Ln, Redding, 96002 | (530) 222-1101 |
| Zach Bay | State Farm | 869 Mistletoe Ln, Redding, 96002-0203 | 530-221-3224 |
| Hector Garnica | State Farm | 221 Walker St, Orland, 95963-1450 | 530-865-9922 |
| [ | ' | K, e, n | e |
| John Noffsinger | State Farm | 724 Papst Ave, Orland, 95963-1915 | 530-865-4100 |
| Rosalba Flores | Farmers | 1600 Solano St Ste D, Corning, 96021 | (530) 588-1141 |
Anderson, 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 | +$78 | $1,862 |
| Driver's Failure In Showing Documents | +$173 | $1,957 |
| Driving With An Expired Registration | +$184 | $1,968 |
| Driving At A Considerably Slow Pace | +$387 | $2,171 |
| Using A Cellphone While Driving | +$409 | $2,193 |
| Running A Red Light | +$416 | $2,200 |
| Speeding | +$437 | $2,221 |
| Driving A Vehicle Without The Required Permission | +$555 | $2,339 |
| Driving With An Expired/Suspended License | +$1,202 | $2,986 |
Anderson, 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 |
|---|---|
| Audible Alarm | $1,713 |
| Active Disabling Device | $1,713 |
| Tracking Device | $1,677 |
| Passive Disabling Device | $1,659 |