Harbison Canyon Auto Insurance Rates, Quotes, Agents & Reviews in CA

Harbison Canyon, CA Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Harbison Canyon, 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.

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


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

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

Harbison Canyon Rancho San Diego Bostonia Winter Gardens Granite Hills Alpine
Average Insurance Rates $1,893 $1,949 $1,835 $1,867 $1,968 $1,937

Harbison Canyon, 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 Harbison Canyon, 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)
Harbison Canyon $1,477 $1,248
Crest $1,874 $1,583
Granite Hills $1,908 $1,611
Lakeside $1,326 $1,120
Alpine $1,995 $1,685
Winter Gardens $1,923 $1,624
Bostonia $1,739 $1,469
Rancho San Diego $1,884 $1,591

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

Teenagers in Harbison Canyon, 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 $6,142
20 Years $2,432
30 Years $1,873
40 Years $1,803
50 Years $1,669
60 Years $1,692
70 Years $1,970

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

Car owners in Harbison Canyon, 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 $3,256 $530
3 Vehicles $4,884 $795
4 Vehicles $6,512 $1,060

Savings on 2 Vehicles bundle:$530

Savings on 3 Vehicles bundle:$795

Savings on 4 Vehicles bundle:$1,060


Harbison Canyon, 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 Harbison Canyon, CA.

Location Average Insurance Cost Post DUI Insurance Rate
Harbison Canyon $1,893 $4,661
Crest $1,879 $4,626
Granite Hills $1,968 $4,846
Lakeside $1,875 $4,617
Alpine $1,937 $4,769
Winter Gardens $1,867 $4,597
Bostonia $1,835 $4,518
Rancho San Diego $1,949 $4,799

Harbison Canyon, 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) $1,624
Excellent (740-799) $1,854
Good (670-739) $1,973
Average (580-669) $2,573
Poor (300-579) $3,088

Harbison Canyon, 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
Micah Albao Allstate 2160 Fletcher Pkwy Ste N, El Cajon, 92020 (619) 596-0900
Mike Moore State Farm 12880 Rp Blvd Ste D, San Diego, 92129-2966 858-484-1297
Jennifer Langley State Farm 365 Broadway, El Cajon, 92021-5461 619-442-9419
Jesse Garcia Allstate 10783 Jamacha Blvd Ste 1, Spring Valley, 91978 (619) 660-1061
Gerry Butler Farmers 16516 Bernardo Center Dr Ste 150, San Diego, 92128 (858) 487-4880
Brouillette Insurance Services Travelers 9340 FUERTE DR STE 200, LA MESA, 91941 619-667-2880
David James Allstate 8333 Clairemont Mesa Blvd Ste 110, San Diego, 92111 (858) 278-4880
Larry Cornett State Farm 1297 W Main St Ste C, El Cajon, 92020-4135 619-588-1000
Michael N. Hill Allstate 4550 Kearny Villa Rd Ste 101, San Diego, 92123 (858) 569-0500

Harbison Canyon, 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 $1,976
Driver's Failure In Showing Documents +$184 $2,077
Driving With An Expired Registration +$195 $2,088
Driving At A Considerably Slow Pace +$411 $2,304
Using A Cellphone While Driving +$433 $2,326
Running A Red Light +$441 $2,334
Speeding +$464 $2,357
Driving A Vehicle Without The Required Permission +$589 $2,482
Driving With An Expired/Suspended License +$1,276 $3,169

Harbison Canyon, 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 $1,817
Active Disabling Device $1,817
Tracking Device $1,779
Passive Disabling Device $1,760