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

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

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

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

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

Loyola Cupertino West Santa Clara Los Altos Los Altos Hills Mountain View
Average Insurance Rates $2,566 $2,297 $2,566 $2,566 $2,566 $1,247

Loyola, 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 Loyola, 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)
Loyola $2,643 $2,232
Los Altos $2,643 $2,232
Los Altos Hills $2,643 $2,232
West Santa Clara $2,643 $2,232
Mountain View $2,237 $1,890
Cupertino $2,477 $2,092
Palo Alto $2,301 $1,944
Sunnyvale $2,227 $1,881

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

Teenagers in Loyola, 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 $8,326
20 Years $3,297
30 Years $2,539
40 Years $2,443
50 Years $2,263
60 Years $2,294
70 Years $2,670

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

Car owners in Loyola, 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 $4,414 $718
3 Vehicles $6,620 $1,078
4 Vehicles $8,827 $1,437

Savings on 2 Vehicles bundle:$718

Savings on 3 Vehicles bundle:$1,078

Savings on 4 Vehicles bundle:$1,437

Loyola, 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 Loyola, CA.

Location Average Insurance Cost Post DUI Insurance Rate
Loyola $2,566 $6,318
Los Altos $2,566 $6,318
Los Altos Hills $2,566 $6,318
West Santa Clara $2,566 $6,318
Mountain View $1,247 $3,070
Cupertino $2,297 $5,656
Palo Alto $1,279 $3,149
Sunnyvale $1,310 $3,225

Loyola, 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) $2,202
Excellent (740-799) $2,513
Good (670-739) $2,674
Average (580-669) $3,488
Poor (300-579) $4,185

Loyola, 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
Tressa Williams State Farm 1489 Franklin St, Santa Clara, 95050-4712 408-243-4400
Peter Kuo Farmers 1292 Kifer Rd Ste 802, Sunnyvale, 94086 (408) 738-8803
Binh Nguyen Allstate 429 E El Camino Real, Sunnyvale, 94087 (408) 739-6873
Benson Ng State Farm 3410 Stevens Crk Blvd Ste 200, San Jose, 95117-1058 408-244-5660
Frank Hughes Farmers 5150 El Camino Real Ste A33, Los Altos, 94022 (650) 815-7068
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Concise Ins Services Travelers 2062 WALSH AVE STE B-2, SANTA CLARA, 95050 510-534-6293
Alexandra M. Anderson State Farm 980 El Camino Real Ste 350, Santa Clara, 95050-4290 408-244-4400
Debbie Yang State Farm 3484 Stevens Creek Blvd Ste A, San Jose, 95117-1000 408-261-1623

Loyola, 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 +$113 $2,679
Driver's Failure In Showing Documents +$249 $2,815
Driving With An Expired Registration +$264 $2,830
Driving At A Considerably Slow Pace +$557 $3,123
Using A Cellphone While Driving +$588 $3,154
Running A Red Light +$598 $3,164
Speeding +$629 $3,195
Driving A Vehicle Without The Required Permission +$798 $3,364
Driving With An Expired/Suspended License +$1,729 $4,295

Loyola, 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 $2,463
Active Disabling Device $2,463
Tracking Device $2,412
Passive Disabling Device $2,386