Rancho Murieta, CA Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Rancho Murieta, 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 Rancho Murieta, 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.
- Rancho Murieta, CA Auto Insurance Rates
- Rancho Murieta, CA Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Rancho Murieta, CA
- Multi Vehicle Insurance Savings in Rancho Murieta, CA
- How Credit Score Affects Car Insurance Rates in Rancho Murieta, CA
- How DUI Affects Auto Insurance Premiums in Rancho Murieta, CA
- Top Auto Insurance Agents Near Rancho Murieta, CA
- How Driving Violations Affect Auto Insurance Rates in Rancho Murieta, CA
- Rancho Murieta, CA Auto Insurance Discounts on Anti Theft Feature
Rancho Murieta, CA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Rancho Murieta, CA with that of other cities in and around Rancho Murieta.
| Rancho Murieta | El Dorado Hills | Wilton | Mather | Drytown | Folsom | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,894 | $1,428 | $1,931 | $1,841 | $1,856 | $1,376 |
Rancho Murieta, 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 Rancho Murieta, 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) |
|---|---|---|
| Rancho Murieta | $1,597 | $1,349 |
| Sloughhouse | $1,421 | $1,201 |
| Wilton | $1,645 | $1,389 |
| Rancho Cordova | $1,364 | $1,152 |
| Mather | $1,000 | $845 |
| El Dorado Hills | $1,984 | $1,676 |
| Folsom | $1,506 | $1,272 |
| Drytown | $1,912 | $1,615 |
Rancho Murieta, CA Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Rancho Murieta, 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 | $6,146 |
| 20 Years | $2,434 |
| 30 Years | $1,874 |
| 40 Years | $1,803 |
| 50 Years | $1,670 |
| 60 Years | $1,693 |
| 70 Years | $1,971 |
Rancho Murieta, CA Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Rancho Murieta, 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 | $3,296 | $492 |
| 3 Vehicles | $4,943 | $739 |
| 4 Vehicles | $6,591 | $985 |
Savings on 2 Vehicles bundle:$492
Savings on 3 Vehicles bundle:$739
Savings on 4 Vehicles bundle:$985
Rancho Murieta, 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 Rancho Murieta, CA.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Rancho Murieta | $1,894 | $4,663 |
| Sloughhouse | $1,900 | $4,678 |
| Wilton | $1,931 | $4,755 |
| Rancho Cordova | $1,560 | $3,841 |
| Mather | $1,841 | $4,533 |
| El Dorado Hills | $1,428 | $3,516 |
| Folsom | $1,376 | $3,388 |
| Drytown | $1,856 | $4,570 |
Rancho Murieta, 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) | $1,625 |
| Excellent (740-799) | $1,855 |
| Good (670-739) | $1,974 |
| Average (580-669) | $2,575 |
| Poor (300-579) | $3,089 |
Rancho Murieta, 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 |
|---|---|---|---|
| Steven Kim | Farmers | 5145 Golden Foothill Pkwy Ste 100, El Dorado Hills, 95762 | (916) 939-0480 |
| Tracy Tran | Farmers | 7411 W Stockton Blvd Ste 120, Sacramento, 95823 | (916) 478-4300 |
| Stacy Flascher | State Farm | 4201 Sunrise Blvd Ste A, Fair Oaks, 95628-7000 | 916-967-7764 |
| Abdul Shah | Farmers | 9240 Laguna Springs Dr Ste 101, Elk Grove, 95758 | (916) 588-7719 |
| Maryeth Loriaux | Allstate | 1020 Suncast Ln Ste 107, El Dorado Hills, 95762 | (916) 939-8990 |
| Barragan Insurance Agency | Travelers | 90 BLUE RAVINE RD STE 74, FOLSOM, 95630 | 916-984-9320 |
| Interwest Insurance Services Inc | Liberty Mutual Independent | 3636 AMERICAN RIVER DR 2ND FL, SACRAMENTO, 95864 | 916-488-3100 |
| Steve C Luth Insurance Services | Liberty Mutual Independent | 5011 GOLDEN FOOTHILL PKWY STE 1, EL DORADO HILLS, 95762 | 916-989-9100 |
| Keith Jackson Insurance Agency Inc. | Nationwide | 1000 Melody Ln Ste 106, Roseville, 95678 | (916) 742-6995 |
| Thomas Mathews | Farmers | 14670 Cantova Way, Rancho Murieta, 95683 | (916) 354-1411 |
| Pettitt & Tavernetti | None | 7021 Timber Trail Loop , El Dorado Hills, 95762 | None |
Rancho Murieta, 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 | $1,977 |
| Driver's Failure In Showing Documents | +$184 | $2,078 |
| Driving With An Expired Registration | +$195 | $2,089 |
| Driving At A Considerably Slow Pace | +$411 | $2,305 |
| Using A Cellphone While Driving | +$434 | $2,328 |
| Running A Red Light | +$441 | $2,335 |
| Speeding | +$464 | $2,358 |
| Driving A Vehicle Without The Required Permission | +$589 | $2,483 |
| Driving With An Expired/Suspended License | +$1,277 | $3,171 |
Rancho Murieta, 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 | $1,818 |
| Active Disabling Device | $1,818 |
| Tracking Device | $1,780 |
| Passive Disabling Device | $1,761 |