Fair Oaks, CA Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Fair Oaks, 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.
Factors that can influence the cost of car insurance in Fair Oaks, 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.
- Fair Oaks, CA Auto Insurance Rates
- Fair Oaks, CA Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Fair Oaks, CA
- Multi Vehicle Insurance Savings in Fair Oaks, CA
- How Credit Score Affects Car Insurance Rates in Fair Oaks, CA
- How DUI Affects Auto Insurance Premiums in Fair Oaks, CA
- Top Auto Insurance Agents Near Fair Oaks, CA
- How Driving Violations Affect Auto Insurance Rates in Fair Oaks, CA
- Fair Oaks, CA Auto Insurance Discounts on Anti Theft Feature
- Fair Oaks, CA Auto Insurance Company Reviews
Fair Oaks, CA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Fair Oaks, CA with that of other cities in and around Fair Oaks.
| Fair Oaks | Gold River | Citrus Heights | Orangevale | Carmichael | Folsom | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,888 | $1,903 | $1,735 | $1,851 | $1,853 | $1,376 |
Fair Oaks, 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 Fair Oaks, 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) |
|---|---|---|
| Fair Oaks | $1,945 | $1,643 |
| Gold River | $1,385 | $1,170 |
| Orangevale | $1,907 | $1,610 |
| Citrus Heights | $1,374 | $1,161 |
| Carmichael | $1,626 | $1,374 |
| Rancho Cordova | $1,364 | $1,152 |
| Foothill Farms | $1,548 | $1,308 |
| Folsom | $1,506 | $1,272 |
Fair Oaks, CA Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Fair Oaks, 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 | $6,126 |
| 20 Years | $2,426 |
| 30 Years | $1,868 |
| 40 Years | $1,798 |
| 50 Years | $1,665 |
| 60 Years | $1,688 |
| 70 Years | $1,965 |
Fair Oaks, CA Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Fair Oaks, 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 | $3,247 | $529 |
| 3 Vehicles | $4,871 | $793 |
| 4 Vehicles | $6,495 | $1,057 |
Savings on 2 Vehicles bundle:$529
Savings on 3 Vehicles bundle:$793
Savings on 4 Vehicles bundle:$1,057
Fair Oaks, 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 Fair Oaks, CA.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Fair Oaks | $1,888 | $4,649 |
| Gold River | $1,903 | $4,686 |
| Orangevale | $1,851 | $4,558 |
| Citrus Heights | $1,735 | $4,272 |
| Carmichael | $1,853 | $4,562 |
| Rancho Cordova | $1,560 | $3,841 |
| Foothill Farms | $1,795 | $4,420 |
| Folsom | $1,376 | $3,388 |
Fair Oaks, 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) | $1,620 |
| Excellent (740-799) | $1,849 |
| Good (670-739) | $1,967 |
| Average (580-669) | $2,567 |
| Poor (300-579) | $3,080 |
Fair Oaks, 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 |
|---|---|---|---|
| Tyler Beck | State Farm | 12417 Fair Oaks Blvd Ste 400, Fair Oaks, 95628-2580 | 916-723-4700 |
| Roy Young | State Farm | 1120 Douglas Blvd Ste A, Roseville, 95678-2800 | 916-786-2461 |
| Bill Batchelder | State Farm | 8887 Folsom Blvd Ste 3A, Sacramento, 95826-3261 | 916-361-3114 |
| Eugene C Yates Insurance Agency | Travelers | 246 VERNON ST, ROSEVILLE, 95678 | 916-783-6927 |
| Barragan Insurance Agency | Travelers | 90 BLUE RAVINE RD STE 74, FOLSOM, 95630 | 916-984-9320 |
| Michael Yee | State Farm | 950 Fulton Ave Ste 175, Sacramento, 95825-4514 | 916-978-9110 |
| Snoke Seefeldt & Ramirez Insurance Svcs Inc | Travelers | 2377 GOLD MEADOW WAY STE 110, GOLD RIVER, 95670 | 916-631-1960 |
| Dave Hagiwara | State Farm | 5056 Sunrise Blvd, Fair Oaks, 95628-4943 | 916-966-7877 |
| Brian Clark | State Farm | 2331 El Camino Ave, Sacramento, 95821-5610 | 916-488-2213 |
| Steven Bozzuto Insurance Agency Inc | Travelers | 9300 MADISON AVE STE 100, ORANGEVALE, 95662 | 800-400-6394 |
Fair Oaks, 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 | +$83 | $1,971 |
| Driver's Failure In Showing Documents | +$183 | $2,071 |
| Driving With An Expired Registration | +$194 | $2,082 |
| Driving At A Considerably Slow Pace | +$410 | $2,298 |
| Using A Cellphone While Driving | +$432 | $2,320 |
| Running A Red Light | +$440 | $2,328 |
| Speeding | +$463 | $2,351 |
| Driving A Vehicle Without The Required Permission | +$587 | $2,475 |
| Driving With An Expired/Suspended License | +$1,273 | $3,161 |
Fair Oaks, 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 | $1,812 |
| Active Disabling Device | $1,812 |
| Tracking Device | $1,775 |
| Passive Disabling Device | $1,756 |
Latest Auto Insurance Reviews in Fair Oaks, CA | Back to Top
Geicothey have a good program to keep insurance low by being a good driver, good student, or being in the military.
State FarmState Farm has reasonable rates that are comparable to other companies. There are a lot of discounts available to decrease premiums. The deductible is fair compared to the coverage.
State Farmthe premium and deductibles can be adjusted in your policy based on your wants and needs. so they offer us a saving upfront or a lower deductible in case the insurance is actually used.
State FarmThere are definitely cheaper auto insurance companies out there, but I don't think you get as much value from those companies. State Farm has good prices for excellent offerings and services.
Farmer's InsuranceWe recently switched from Progressive for a lower rate but all contact has been via email with my insurance agent. I prefer having a website instead of one person who directly handles questions.
Farm BureauI have a 2k deductible. I felt that 2k is cheap enough to be able to cover in an emergency, and high enough to keep my policy cheaper.
State FarmI compared them to other companies before switching car insurance and they had one of the best rates for me.
GeicoI would recommend them because of their customer service and being in contact with their customers, through emails and TV advertisements. A good company with a good mascot.
KemperKemper is good so far. I haven't claimed anything yet but the customer service seems ok. I can't really recommend them until I go through the claim process.