Rancho San Diego, CA Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Rancho San Diego, 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 San Diego, 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 San Diego, CA Auto Insurance Rates
- Rancho San Diego, CA Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Rancho San Diego, CA
- Multi Vehicle Insurance Savings in Rancho San Diego, CA
- How Credit Score Affects Car Insurance Rates in Rancho San Diego, CA
- How DUI Affects Auto Insurance Premiums in Rancho San Diego, CA
- Top Auto Insurance Agents Near Rancho San Diego, CA
- How Driving Violations Affect Auto Insurance Rates in Rancho San Diego, CA
- Rancho San Diego, CA Auto Insurance Discounts on Anti Theft Feature
Rancho San Diego, CA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Rancho San Diego, CA with that of other cities in and around Rancho San Diego.
| Rancho San Diego | Crest | El Cajon | Granite Hills | Casa de Oro-Mount Helix | Winter Gardens | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,949 | $1,879 | $1,363 | $1,968 | $1,976 | $1,867 |
Rancho San Diego, 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 San Diego, 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 San Diego | $1,884 | $1,591 |
| Casa de Oro-Mount Helix | $1,586 | $1,340 |
| Granite Hills | $1,908 | $1,611 |
| El Cajon | $1,333 | $1,126 |
| Spring Valley | $1,094 | $924 |
| Crest | $1,874 | $1,583 |
| Bostonia | $1,739 | $1,469 |
| Winter Gardens | $1,923 | $1,624 |
Rancho San Diego, CA Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Rancho San Diego, 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 | $6,324 |
| 20 Years | $2,504 |
| 30 Years | $1,929 |
| 40 Years | $1,856 |
| 50 Years | $1,719 |
| 60 Years | $1,743 |
| 70 Years | $2,028 |
Rancho San Diego, CA Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Rancho San Diego, 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 | $3,352 | $546 |
| 3 Vehicles | $5,028 | $819 |
| 4 Vehicles | $6,705 | $1,091 |
Savings on 2 Vehicles bundle:$546
Savings on 3 Vehicles bundle:$819
Savings on 4 Vehicles bundle:$1,091
Rancho San Diego, 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 San Diego, CA.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Rancho San Diego | $1,949 | $4,799 |
| Casa de Oro-Mount Helix | $1,976 | $4,865 |
| Granite Hills | $1,968 | $4,846 |
| El Cajon | $1,363 | $3,356 |
| Spring Valley | $1,884 | $4,639 |
| Crest | $1,879 | $4,626 |
| Bostonia | $1,835 | $4,518 |
| Winter Gardens | $1,867 | $4,597 |
Rancho San Diego, 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) | $1,672 |
| Excellent (740-799) | $1,909 |
| Good (670-739) | $2,031 |
| Average (580-669) | $2,650 |
| Poor (300-579) | $3,179 |
Rancho San Diego, 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 |
|---|---|---|---|
| James Cassady | State Farm | 9560 Cuyamaca St Ste 104, Santee, 92071-2689 | 619-449-7707 |
| Teague Insurance Agency Inc | Liberty Mutual Independent | 4700 SPRING ST STE 400, LA MESA, 91942 | (619) 464-6851 |
| Daylight Insurance Brokerage | Liberty Mutual Independent | 900 LANE AVE STE 128, CHULA VISTA, 91914 | (619) 240-7164 |
| Mary Lowe | State Farm | 9466 Cuyamaca St Ste 101, Santee, 92071-5923 | 619-258-6900 |
| Mark G Witcher | State Farm | 945 Otay Lakes Rd Ste K, Chula Vista, 91913-3055 | 619-656-4200 |
| Bruce Anderson | State Farm | 871 Harold Pl Ste 109, Chula Vista, 91914-4512 | 619-422-3333 |
| Gene Parker | Allstate | 535 Broadway Ste 207, El Cajon, 92021 | (619) 441-8080 |
| Preston Bankhead | Allstate | 535 Sweetwater Rd, Spring Valley, 91977 | (619) 337-0300 |
| Marsh & Mclennan Agency Llc | Liberty Mutual Independent | 9171 TOWNE CENTRE DR STE 500, SAN DIEGO, 92122 | 858-457-3414 |
| Richard Parker | State Farm | 5106 Federal Blvd Ste 105, San Diego, 92105-5454 | 619-266-9570 |
| Armada Insurance Agency Llc | Travelers | 4045 BONITA RD STE 109, BONITA, 91902 | 619-621-5200 |
Rancho San Diego, 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 | +$86 | $2,035 |
| Driver's Failure In Showing Documents | +$189 | $2,138 |
| Driving With An Expired Registration | +$201 | $2,150 |
| Driving At A Considerably Slow Pace | +$423 | $2,372 |
| Using A Cellphone While Driving | +$446 | $2,395 |
| Running A Red Light | +$454 | $2,403 |
| Speeding | +$478 | $2,427 |
| Driving A Vehicle Without The Required Permission | +$606 | $2,555 |
| Driving With An Expired/Suspended License | +$1,314 | $3,263 |
Rancho San Diego, 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 | $1,871 |
| Active Disabling Device | $1,871 |
| Tracking Device | $1,832 |
| Passive Disabling Device | $1,813 |