Merced, CA Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Merced, 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.
The Five Most Popular Car Insurance Companies in Merced, CA
The average cost of auto insurance in Merced, CA, is $1,444. Motorists in Merced can save more by comparing multiple quotes from different auto insurance companies. The cost of auto insurance depends on numerous factors ranging from the car’s make and model to the driver’s age. Below is a list of the best auto insurance companies in Merced, CA.
STATE FARM:
State Farm occupies the first spot with a massive 4,106,038 direct premiums written and 4,090,146 direct premiums earned. The company holds a market share of 13.74% in California. State Farm received a score of 808/1000 in the J.D. Power Auto Insurance Study. One only needs to go as far as State Farm’s online faculty to overview the various insurance coverages they provide. The company is credited with a solid rating of A++ by A.M. Best.
FARMERS:
Farmers occupies a market share of 10.68% in California. The company has 3,191,341 direct premiums written, and 3,189,468 direct premiums earned. The ease of navigating the Farmers website is an added advantage. Farmers ranks a tad low on the J.D. Power Auto Insurance Study with a score of 805/1000. A.M. Best has given Farmers an A rating for its financial strength in the markets.
GEICO:
With 2,897,713 direct premiums written and 2,794,052 direct premiums earned, GEICO is a close third. The company has a market share of 9.69 % in California and enjoys an A.M. Best Rating of A++. GEICO received a score of 825/1000 on the J.D. Power Auto Insurance Study and received the “Better Than The Most” tag.
ALLSTATE:
Allstate has 2,687,887 direct premiums written and 2,640,022 direct premiums earned in California. Allstate occupies the fourth spot with a market share of 8.99%. The company was one of the leading insurance providers in the auto insurance market back in 2010. Allstate has a J.D. Power Auto Insurance score of 808/1000 and an A.M. Best Rating of A+.
AAA:
AAA enjoys the “Better Than The Most” tag, alongside a J.D. Power score of 834/1000. The company occupies a market share of 8.69%. AAA offers Umbrella Liability Insurance and enjoys an A.M. Best Rating of A. It has 2,598,340 direct premiums written, and 2,470,179 direct premiums earned.
Factors that can influence the cost of car insurance in Merced, 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.
- Merced, CA Auto Insurance Rates
- Merced, CA Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Merced, CA
- Multi Vehicle Insurance Savings in Merced, CA
- How Credit Score Affects Car Insurance Rates in Merced, CA
- How DUI Affects Auto Insurance Premiums in Merced, CA
- Top Auto Insurance Agents Near Merced, CA
- How Driving Violations Affect Auto Insurance Rates in Merced, CA
- Merced, CA Auto Insurance Discounts on Anti Theft Feature
- Merced, CA Auto Insurance Company Reviews
Merced, CA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Merced, CA with that of other cities in and around Merced.
| Merced | Franklin | El Nido | McSwain | Atwater | Bear Creek | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,444 | $1,777 | $1,995 | $1,886 | $1,389 | $2,223 |
Merced, 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 Merced, 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) |
|---|---|---|
| Merced | $1,229 | $1,038 |
| McSwain | $1,485 | $1,255 |
| El Nido | $2,055 | $1,736 |
| Franklin | $2,054 | $1,735 |
| Bear Creek | $2,290 | $1,934 |
| Merced County | $1,444 | $1,220 |
| Tuttle | $2,280 | $1,926 |
| Atwater | $1,242 | $1,049 |
Merced, CA Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Merced, 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 | $4,686 |
| 20 Years | $1,855 |
| 30 Years | $1,429 |
| 40 Years | $1,375 |
| 50 Years | $1,273 |
| 60 Years | $1,291 |
| 70 Years | $1,503 |
Merced, CA Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Merced, 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 | $2,513 | $375 |
| 3 Vehicles | $3,769 | $563 |
| 4 Vehicles | $5,025 | $751 |
Savings on 2 Vehicles bundle:$375
Savings on 3 Vehicles bundle:$563
Savings on 4 Vehicles bundle:$751
Merced, 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 Merced, CA.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Merced | $1,444 | $3,555 |
| McSwain | $1,886 | $4,644 |
| El Nido | $1,995 | $4,912 |
| Franklin | $1,777 | $4,375 |
| Bear Creek | $2,223 | $5,473 |
| Merced County | $1,793 | $4,415 |
| Tuttle | $2,214 | $5,451 |
| Atwater | $1,389 | $3,420 |
Merced, 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) | $1,239 |
| Excellent (740-799) | $1,414 |
| Good (670-739) | $1,505 |
| Average (580-669) | $1,963 |
| Poor (300-579) | $2,355 |
Merced, 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 |
|---|---|---|---|
| Miguel Soto | Farmers | 1820 P St, Merced, 95340 | (209) 489-6202 |
| Chris Pacheco | Farmers | 863 I St Ste A, Los Banos, 93635 | (209) 826-0505 |
| Barlocker Insurance Services | Liberty Mutual Independent | 1164 OLIVEWOOD DR, MERCED, 95348 | (831) 424-6404 |
| Diana Villa | Farmers | 3371 G St Ste B, Merced, 95340 | (209) 384-1988 |
| David Wagner | Farmers | 3371 G St Ste B, Merced, 95340 | (209) 384-1988 |
| Rick Eason | Allstate | 3321 G St Ste A, Merced, 95340 | (209) 723-0771 |
| Der Manouel Ins & Fin Services | Liberty Mutual Independent | 548 W CROMWELL AVE STE 101, FRESNO, 93711 | 559-447-4600 |
| Kristin Skaff | Farmers | 1080 W Sierra Ave Ste 102, Fresno, 93711 | (559) 326-1311 |
| Janean Wolfe | State Farm | 7089 N Marks Ave Ste 105, Fresno, 93711-0267 | 559-432-6392 |
Merced, 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 | +$64 | $1,508 |
| Driver's Failure In Showing Documents | +$140 | $1,584 |
| Driving With An Expired Registration | +$149 | $1,593 |
| Driving At A Considerably Slow Pace | +$313 | $1,757 |
| Using A Cellphone While Driving | +$331 | $1,775 |
| Running A Red Light | +$336 | $1,780 |
| Speeding | +$354 | $1,798 |
| Driving A Vehicle Without The Required Permission | +$449 | $1,893 |
| Driving With An Expired/Suspended License | +$973 | $2,417 |
Merced, 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 | $1,386 |
| Active Disabling Device | $1,386 |
| Tracking Device | $1,357 |
| Passive Disabling Device | $1,343 |
Latest Auto Insurance Reviews in Merced, CA | Back to Top
GeicoMy auto insurance premium is much more expensive ever since I moved to florida, which has been difficult to deal with. That I would say is one of my few complaints.
GeicoAs it is required by law, insurance is required. Larger providers do tend to offer better overall rates due to bulk of customers and capital to invest.
GeicoI would recommend my insurance company because they are just great all the way around. They are truly helpful and try to get you the best coverage for your buck.
ProgressiveI checked out other car insurance policy offerings and compared them all together. Progressive offered the cheapest rate for me that I could find for carrying the policy amounts that I was able to live with.
ProgressiveI feel that their premium and deductible are quite competitive compared to the other car insurance companies for the same coverage.
EsuranceTheir prices far exceeded everyone else's.Esurance gave us the exact same coverage for $120 less a month than what I was paying with the previous company I switched from.
AllstateIn my opinion it is better than many others that are also within this industry, I am very happy with this service.
GeicoSERVICE TOO BEST IN CAR INSURANCE, MY RELATION MET AN ACCIDENT SO WE CAN GET EASILY AMOUNT BY THIS COMPANY.
AllstateAllstate also has the best policy offerings. Their accident forgiveness policy is probably the best in the industry and they really stick to their promises.
National GeneralThe company is professional, has coverage that fits my needs at a reasonable price, and are very easy to deal with. I'd highly recommend the,.
GeicoPerhaps one of the reasons we have such a good price through Geico is because we have been with them for years and have never needed to file a claim. Therefore, I have never had much experience with their customer support. I will say however, that when I contacted them to inquire about Umbrella Insurance, I was not impressed with the knowledge of the agent. He gave me wrong information and I had to correct him.
GeicoI almost never call customer service or deal with it in any way shape or form. The few times I called them they were great though.
NationwideI love that if my personal agent is away or busy with other clients I can either leave a message which I get a reply with in 24 hours or I can speak to another representative and recieve the same customer support and get all my stuff handled with in minutes of my call and then on top of that my personal agent does a follow up.
GeicoThe premium is average, I was previously with State Farm and they increased their premium to a ridiculous amount so I shopped around and for the coverages I wanted Geico had the best premium.
GeicoI can call 24 hours a day and speak with someone about my coverage but I do not have an office local that I can go sit down and speak with someone face to face.