Lemon Grove, CA Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Lemon Grove, 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 Lemon Grove, 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.
- Lemon Grove, CA Auto Insurance Rates
- Lemon Grove, CA Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Lemon Grove, CA
- Multi Vehicle Insurance Savings in Lemon Grove, CA
- How Credit Score Affects Car Insurance Rates in Lemon Grove, CA
- How DUI Affects Auto Insurance Premiums in Lemon Grove, CA
- Top Auto Insurance Agents Near Lemon Grove, CA
- How Driving Violations Affect Auto Insurance Rates in Lemon Grove, CA
- Lemon Grove, CA Auto Insurance Discounts on Anti Theft Feature
Lemon Grove, CA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Lemon Grove, CA with that of other cities in and around Lemon Grove.
| Lemon Grove | Bonita | Casa de Oro-Mount Helix | La Presa | El Cajon | Spring Valley | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,867 | $1,966 | $1,976 | $1,859 | $1,363 | $1,884 |
Lemon Grove, 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 Lemon Grove, 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) |
|---|---|---|
| Lemon Grove | $1,464 | $1,236 |
| La Presa | $2,445 | $2,065 |
| La Mesa | $1,057 | $893 |
| Spring Valley | $1,094 | $924 |
| Casa de Oro-Mount Helix | $1,586 | $1,340 |
| Bonita | $1,998 | $1,688 |
| National City | $2,441 | $2,062 |
| El Cajon | $1,333 | $1,126 |
Lemon Grove, CA Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Lemon Grove, 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 | $6,058 |
| 20 Years | $2,399 |
| 30 Years | $1,848 |
| 40 Years | $1,778 |
| 50 Years | $1,646 |
| 60 Years | $1,669 |
| 70 Years | $1,943 |
Lemon Grove, CA Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Lemon Grove, 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 | $3,249 | $485 |
| 3 Vehicles | $4,873 | $728 |
| 4 Vehicles | $6,497 | $971 |
Savings on 2 Vehicles bundle:$485
Savings on 3 Vehicles bundle:$728
Savings on 4 Vehicles bundle:$971
Lemon Grove, 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 Lemon Grove, CA.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Lemon Grove | $1,867 | $4,597 |
| La Presa | $1,859 | $4,577 |
| La Mesa | $1,306 | $3,216 |
| Spring Valley | $1,884 | $4,639 |
| Casa de Oro-Mount Helix | $1,976 | $4,865 |
| Bonita | $1,966 | $4,841 |
| National City | $1,857 | $4,572 |
| El Cajon | $1,363 | $3,356 |
Lemon Grove, 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) | $1,602 |
| Excellent (740-799) | $1,828 |
| Good (670-739) | $1,945 |
| Average (580-669) | $2,538 |
| Poor (300-579) | $3,045 |
Lemon Grove, 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 |
|---|---|---|---|
| Right Time Insurance Services | Travelers | 1761 HOTEL CIRCLE S STE 119, SAN DIEGO, 92108 | 619-299-6000 |
| Fred Hetter | State Farm | 265 E St Ste B, Chula Vista, 91910-2930 | 619-420-9430 |
| Susanne Schaible | Liberty Mutual | 9325 Sky Park Ct. Ste 200, San Diego, 92123 | 1-858-558-8311 |
| Eleanor Mohammed | State Farm | 8844 La Mesa Blvd, La Mesa, 91942-5460 | 619-589-1504 |
| Raymond Koda | Allstate | 333 W Main St, El Cajon, 92020 | (619) 328-5698 |
| Raymond Koda | Allstate | 333 W Main St, El Cajon, 92020 | (619) 328-5698 |
| Kevin Kane | State Farm | 8690 Aero Dr Ste 117, San Diego, 92123-1734 | 858-514-0385 |
| Bill Paxton | State Farm | 2254 Moore St Ste 103, San Diego, 92110-3024 | 619-543-9697 |
| San Diego Mission Insurance Agency | Liberty Mutual Independent | 10981 SAN DIEGO MISSION RD STE 220, SAN DIEGO, 92108 | (619) 401-1800 |
| Clyde Shellstrom | Allstate | 535 Sweetwater Rd, Spring Valley, 91977 | (619) 337-0300 |
| Marilyn Billingsley | State Farm | 1527 W Lewis St, San Diego, 92103-1220 | 619-296-6505 |
| Fusco & Orsini Ins Services Inc | Travelers | 5095 MURPHY CANYON RD 200, SAN DIEGO, 92123 | 858-384-1506 |
Lemon Grove, 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 | +$82 | $1,949 |
| Driver's Failure In Showing Documents | +$181 | $2,048 |
| Driving With An Expired Registration | +$192 | $2,059 |
| Driving At A Considerably Slow Pace | +$405 | $2,272 |
| Using A Cellphone While Driving | +$428 | $2,295 |
| Running A Red Light | +$435 | $2,302 |
| Speeding | +$457 | $2,324 |
| Driving A Vehicle Without The Required Permission | +$581 | $2,448 |
| Driving With An Expired/Suspended License | +$1,258 | $3,125 |
Lemon Grove, 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 | $1,792 |
| Active Disabling Device | $1,792 |
| Tracking Device | $1,755 |
| Passive Disabling Device | $1,736 |