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.
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 Rates
- Fortuna, CA Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Fortuna, CA
- Multi Vehicle Insurance Savings in Fortuna, CA
- How Credit Score Affects Car Insurance Rates in Fortuna, CA
- How DUI Affects Auto Insurance Premiums in Fortuna, CA
- Top Auto Insurance Agents Near Fortuna, CA
- How Driving Violations Affect Auto Insurance Rates in Fortuna, CA
- Fortuna, CA Auto Insurance Discounts on Anti Theft Feature
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 |