Save Up to $729 on Multi-Car Insurance in Salinas, CA

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The average cost of auto insurance in Salinas, CA, is $1,215. This is much lower than the average cost of auto insurance in neighboring locations such as Chualar, Elkhorn, San Juan Bautista, Spreckels, and Boronda.

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Bundling and Multi-Car Insurance:

Bundling is a standard method of availing discounts. If a customer purchases multiple policies (life, car, home) from the same insurer, they become eligible for discounts. State Farm offers up to a 17% discount on multiple policies, while Progressive offers a discount of 5%. Also, Progressive offers a 10% discount if you are a homeowner.  To avail of this offer, it is not mandatory to have insured one’s home through Progressive’s network of home insurers.

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

The cost of insuring two vehicles using a multi-car insurance policy is $2,066, and the cost of insuring 4 vehicles under the same policy in Salinas is $4,131. Savings from multi-car insurance policies can range from $365 to $729. It depends on other factors such as the rate of deductible and the make and model of the car.

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. 

Driving Record:

Most car insurance companies offer substantial discounts to drivers who have a clean driving record. GEICO offers a 26% discount to drivers with a spotless driving record for five years, while State Farm offers discounts for drivers who go 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 personalized.  

Driving violations can prove to be very expensive. The cost of auto insurance post-DUI increases to $2,992, from $1,215. Other violations that can prove to be expensive include driving with an expired license and speeding. The former leads to an increase of $819, while the latter leads to an increase of $298.

Hybrid and Electric Vehicles:

Auto insurance companies are lending a hand in the fight against increasing emission levels in the country. Zimlon found that Farmers and Travelers are among the few companies that offer discounts on alternative-fuel vehicles. Hybrids and Electric Vehicles are considered to be environmentally friendly thanks to lower emission rates. In a few states, Farmers also offers a 5% discount to encourage environmentally prudent drivers.