Loomis, CA Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Loomis, 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.
Best Car Insurance in Loomis, CA
Auto insurance in Loomis, California, is required by law for all drivers. This type of insurance covers damages to the insured vehicle and injuries and damages caused by the insured driver to other vehicles and individuals. In Loomis, California, the price of auto insurance might vary depending on a few key variables. A few of these characteristics include the driver's age, the deductible type, the history of claims, the driver's driving history, the driver's gender, the driver's marital status, and others.
The average car insurance rate in Loomis, CA, is $1,859. Drivers in Loomis, California, can shop around and compare auto insurance quotes from multiple companies to find the best rates and coverage options. Choosing an insurance policy that provides adequate protection and meets the state's minimum insurance requirements is essential.
Car Insurance Rates Based on the Age of the Driver
Car insurance rates in Loomis, California, may vary based on the driver's age. Generally, younger drivers are considered high-risk and may be subject to higher rates. This is because younger drivers are more likely to be involved in accidents and file claims. However, their rates may decrease as drivers age and gain more experience behind the wheel. In Loomis, California, teenagers pay $6,032. In contrast, drivers in Loomis, California, who is 40 years old, pay $1,770 for car insurance. It is important to note that age is one of many factors that determine car insurance rates in Loomis, California. Other factors, such as driving record, type of vehicle, and credit score, may also impact the cost of insurance.
Car Insurance Rates Post-DUI
Car insurance rates in Loomis, California, may increase after a DUI conviction. Insurance companies may consider individuals with a DUI driving record as high-risk drivers, leading to higher rates. The exact impact on car insurance rates after a DUI conviction will vary depending on the individual's specific circumstances and the insurance company they are with. However, it is common for car insurance rates to increase by several hundred dollars per year after a DUI. For instance, the average cost of auto insurance in Loomis, California, is $1,859. After a DUI, the driver must pay $4,577 more in vehicle insurance premiums.
Car Insurance Rates Based on Credit History
Insurance companies may use an individual's credit history to assess their overall financial responsibility and likelihood of filing a claim. Generally, individuals with good or excellent credit scores may be eligible for lower car insurance rates in Loomis, California. On the other hand, individuals with poor or fair credit scores may be subject to higher rates. For instance, in Loomis, California, car owners with exceptional credit scores pay $1,595 for auto insurance, while those with poor credit scores must spend $3,032.
Factors that can influence the cost of car insurance in Loomis, 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.
- Loomis, CA Auto Insurance Rates
- Loomis, CA Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Loomis, CA
- Multi Vehicle Insurance Savings in Loomis, CA
- How Credit Score Affects Car Insurance Rates in Loomis, CA
- How DUI Affects Auto Insurance Premiums in Loomis, CA
- How Driving Violations Affect Auto Insurance Rates in Loomis, CA
- Loomis, CA Auto Insurance Discounts on Anti Theft Feature
Loomis, CA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Loomis, CA with that of other cities in and around Loomis.
|Average Insurance Rates||$1,859||$1,418||$1,851||$1,367||$1,802||$2,008|
Loomis, 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 Loomis, 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)|
Loomis, CA Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Loomis, 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|
Loomis, CA Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Loomis, 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|
Savings on 2 Vehicles bundle:$446
Savings on 3 Vehicles bundle:$669
Savings on 4 Vehicles bundle:$892
Loomis, 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 Loomis, CA.
|Location||Average Insurance Cost||Post DUI Insurance Rate|
Loomis, 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|
Loomis, 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||$1,941|
|Driver's Failure In Showing Documents||+$180||$2,039|
|Driving With An Expired Registration||+$191||$2,050|
|Driving At A Considerably Slow Pace||+$403||$2,262|
|Using A Cellphone While Driving||+$426||$2,285|
|Running A Red Light||+$433||$2,292|
|Driving A Vehicle Without The Required Permission||+$578||$2,437|
|Driving With An Expired/Suspended License||+$1,253||$3,112|
Loomis, 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|
|Active Disabling Device||$1,785|
|Passive Disabling Device||$1,729|