Fortuna Auto Insurance Rates, Quotes, Agents & Reviews in CA

Fortuna, CA Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Fortuna, 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.

Compare Quotes from Top Providers and Save now!

Latest Car Insurance Rates in Fortuna, CA

The average cost of car insurance in Fortuna, CA, is $1,961. Car insurance is quite important. Consider the following scenario: You or a car passenger were in an accident. Then, vehicle insurance coverage might help with covering medical expenses and helping with lost income resulting from accident-related injuries. Car insurance might also be helpful if you get into an accident and damage someone else's property.

Every vehicle owner in Fortuna must pay for auto insurance. It might be challenging to insure vehicles and choose the appropriate insurance. In order to help you get the best price, this article will explain the variables that go into determining your vehicle insurance rates, how they are calculated, and what you can do to change them.

Credit History

It's no secret that your credit score can affect your ability to borrow money at favourable rates. But did you know that your credit score can affect your car insurance rates? In Fortuna, California, insurers can use your credit information when determining your auto insurance premium. That means if you have a poor credit score, you could be paying significantly more for your car insurance than someone with a good credit score. For example, in Fortuna, CA, car owners with exceptional credit scores have to pay $1,683, while those with poor credit must pay $3,199. Therefore, the lower the vehicle insurance rates in Fortuna, CA, the higher the credit score.

Age of the driver

Teenagers in Fortuna, California, pay $6,363 for auto insurance, while drivers over the age of 40 pay $1,867. The average car insurance rates in Fortuna, CA, are determined by the driver's age. The younger the driver, the higher the rates. The older the driver, the lower the rates. This is because younger drivers are considered more of a risk on the road. They are more likely to get into accidents and cause accidents. Older drivers are considered more experienced and less likely to get into accidents. A defensive driving course can help younger drivers save a little money. In contrast, senior drivers may be eligible for exceptional savings.

Driving Habits

A clean driving record is one of the most important factors in determining car insurance rates. In Fortuna, CA, a clean driving record can save you up to 25% on your car insurance premiums. Insurance companies use your driving history to determine how dangerous it is to insure you. Your insurance will more likely result in a claim if you have a history of accidents and moving offences. For example, in Fortuna, California, car insurance rates increase by +$457 and +$1,322 for drivers who run red lights or have expired licenses.

Factors that can influence the cost of car insurance in Fortuna, 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.

Fortuna, CA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Fortuna, CA with that of other cities in and around Fortuna.

Fortuna Rio Dell Arcata Weott Scotia Humboldt County
Average Insurance Rates $1,825 $1,791 $1,859 $1,849 $2,124 $1,832

Fortuna, 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 Fortuna, 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)
Fortuna $1,859 $1,570
Redcrest $2,132 $1,801
Hydesville $1,226 $1,035
Humboldt County $1,511 $1,276
Scotia $2,188 $1,848
Rio Dell $1,845 $1,558
Arcata $1,093 $923
Weott $1,239 $1,047

Fortuna, CA Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Fortuna, 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 $5,922
20 Years $2,345
30 Years $1,806
40 Years $1,738
50 Years $1,609
60 Years $1,632
70 Years $1,899

Fortuna, CA Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Fortuna, 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 $3,103 $548
3 Vehicles $4,654 $821
4 Vehicles $6,205 $1,095

Savings on 2 Vehicles bundle:$548

Savings on 3 Vehicles bundle:$821

Savings on 4 Vehicles bundle:$1,095

Fortuna, 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 Fortuna, CA.

Location Average Insurance Cost Post DUI Insurance Rate
Fortuna $1,825 $4,494
Redcrest $2,070 $5,097
Hydesville $1,862 $4,585
Humboldt County $1,832 $4,511
Scotia $2,124 $5,230
Rio Dell $1,791 $4,410
Arcata $1,859 $4,577
Weott $1,849 $4,553

Fortuna, 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) $1,566
Excellent (740-799) $1,787
Good (670-739) $1,902
Average (580-669) $2,481
Poor (300-579) $2,977

Fortuna, 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
Harbers Insurance Agency Liberty Mutual Independent 210 12Th St, Fortuna, 95540 None
Richard Black Allstate 331 N Fortuna Blvd, Fortuna, 95540 (707) 682-6168
Kevin Elderkin State Farm PO Box 398, Fortuna, 95540-0398 707-725-4488
Craig Hansen Farmers 2103 3rd St, Eureka, 95501 (707) 445-9691
George Petersen Ins-Eureka Liberty Mutual Independent 416 E Street, Eureka, 95501 None
Karen Miclette Insurance Agency None Po Box 550 , Garberville, 95542 None

Fortuna, 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 +$80 $1,905
Driver's Failure In Showing Documents +$177 $2,002
Driving With An Expired Registration +$188 $2,013
Driving At A Considerably Slow Pace +$396 $2,221
Using A Cellphone While Driving +$418 $2,243
Running A Red Light +$425 $2,250
Speeding +$447 $2,272
Driving A Vehicle Without The Required Permission +$568 $2,393
Driving With An Expired/Suspended License +$1,230 $3,055

Fortuna, 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 $1,752
Active Disabling Device $1,752
Tracking Device $1,716
Passive Disabling Device $1,697