Car Owners can Save Up to $1,114 on Multi-Car Insurance in San Francisco, CA

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Multi-Car Insurance:

Car owners who own more than one car can avail benefits by insuring all their vehicles with the same auto insurance company. A multi-car insurance policy can help car owners save up to $1,114 in San Francisco. This completely depends on the number of cars being covered. The cost of insuring two cars in San Francisco is $3,157. A multi-car insurance policy can help in saving up to $557 in this case.

Student Discounts:

Teenagers in San Francisco pay $6,026 a year on car insurance. Insurance companies offer discounts to teenage students with good grades in school. Allstate, for instance, offers stellar discounts to smart students based on their grades and proximity to the school (100 miles). Alongside these requirements, the teen driver must be under the age of 25 and also complete Allstate’s “teenSMART Driver Education Program.” State Farm’s “Good Student” program offers discounts of up to 25% to teenage students who have good grades. Farmers offers similar discounts to students (with good grades) under the age of 25 as well.


Bundling is a standard method of availing discounts. If a customer purchases multiple policies (life, car, home) from the same insurer, it leads to discounts. State Farm offers up to a 17% discount on multiple policies, while Progressive offers an average discount of 5%.

Discounts are also offered if one insures multiple vehicles with the same insurer. GEICO, for instance, offers multi-vehicle discounts of up to 25%.

Driving Record:

Car insurance rates can take an expensive turn if the driving record of the car owner is poor. Offenses like DUI can also have a lasting impact on the cost of auto insurance. For example, driving with an expired license can increase the cost of insurance by $1,252 in San Francisco.

Most car insurance companies offer substantial discounts to drivers with a clean driving record. GEICO offers a 26% discount to drivers with a spotless driving record for five years. On the other hand, State Farm offers discounts when a driver goes three or more years with an accident-free record. With the advent of modern technology in the car insurance industry, Usage-Based Insurance (UBI) is increasingly being used to personalize car insurance. UBI works through both plugin devices and mobile apps. It keeps track of various factors in one’s car, making insurance rates more personal.  

Progressive’s SNAPSHOT program offers a significant discount for good drivers. It places its average rate of discount at $145. The DriveSense Discount Program by Esurance is another option for car owners looking for discounts. 

Anti-theft Discounts:

Car insurers across California offer discounts to drivers that install anti-theft devices. GEICO offers a discount of up to 25% on installing approved anti-theft devices or alarms. Progressive, too, offers discounts of up to 25% on anti-theft devices and alarms. 

Hybrids and Electric Vehicles:

Zimlon found that Farmers and Travelers are among the few companies that offer discounts on alternative-fuel vehicles. Hybrids and Electric Vehicles are more environmentally friendly thanks to lower emission rates. Farmers offers these car owners discounts of up to 5% in some states.