Salinas, CA Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Salinas, 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.
Save Up to $729 on Multi-Car Insurance in Salinas, CA
The average cost of auto insurance in Salinas, CA, is $1,215. This is much lower than the average cost of auto insurance in neighboring locations such as Chualar, Elkhorn, San Juan Bautista, Spreckels, and Boronda.
Bundling and Multi-Car Insurance:
Bundling is a standard method of availing discounts. If a customer purchases multiple policies (life, car, home) from the same insurer, they become eligible for discounts. State Farm offers up to a 17% discount on multiple policies, while Progressive offers a discount of 5%. Also, Progressive offers a 10% discount if you are a homeowner. To avail of this offer, it is not mandatory to have insured one’s home through Progressive’s network of home insurers.
Discounts are also offered if one covers multiple vehicles under the same insurer. GEICO, for instance, offers multi-vehicle discounts of up to 25%.
The cost of insuring two vehicles using a multi-car insurance policy is $2,066, and the cost of insuring 4 vehicles under the same policy in Salinas is $4,131. Savings from multi-car insurance policies can range from $365 to $729. It depends on other factors such as the rate of deductible and the make and model of the car.
Anti-theft Discounts:
Car insurers across California offer discounts to drivers that install anti-theft devices. GEICO offers a discount of up to 25% on installing approved anti-theft devices or alarms. Progressive, too, offers discounts of up to 25% on anti-theft devices and alarms.
Driving Record:
Most car insurance companies offer substantial discounts to drivers who have a clean driving record. GEICO offers a 26% discount to drivers with a spotless driving record for five years, while State Farm offers discounts for drivers who go three or more years with an accident-free record. With the advent of modern technology in the car insurance industry, Usage-Based Insurance (UBI) is increasingly being used to personalize car insurance. UBI works through both plugin devices and mobile apps. It keeps track of various factors in one’s car, making insurance rates more personalized.
Driving violations can prove to be very expensive. The cost of auto insurance post-DUI increases to $2,992, from $1,215. Other violations that can prove to be expensive include driving with an expired license and speeding. The former leads to an increase of $819, while the latter leads to an increase of $298.
Hybrid and Electric Vehicles:
Auto insurance companies are lending a hand in the fight against increasing emission levels in the country. Zimlon found that Farmers and Travelers are among the few companies that offer discounts on alternative-fuel vehicles. Hybrids and Electric Vehicles are considered to be environmentally friendly thanks to lower emission rates. In a few states, Farmers also offers a 5% discount to encourage environmentally prudent drivers.
Factors that can influence the cost of car insurance in Salinas, 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.
- Salinas, CA Auto Insurance Rates
- Salinas, CA Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Salinas, CA
- Multi Vehicle Insurance Savings in Salinas, CA
- How Credit Score Affects Car Insurance Rates in Salinas, CA
- How DUI Affects Auto Insurance Premiums in Salinas, CA
- Top Auto Insurance Agents Near Salinas, CA
- How Driving Violations Affect Auto Insurance Rates in Salinas, CA
- Salinas, CA Auto Insurance Discounts on Anti Theft Feature
- Salinas, CA Auto Insurance Company Reviews
Salinas, CA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Salinas, CA with that of other cities in and around Salinas.
| Salinas | Chualar | Elkhorn | San Juan Bautista | Spreckels | Boronda | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,215 | $1,808 | $1,904 | $1,965 | $1,901 | $2,277 |
Salinas, 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 Salinas, 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) |
|---|---|---|
| Salinas | $1,550 | $1,309 |
| Boronda | $2,345 | $1,981 |
| Spreckels | $1,906 | $1,610 |
| Prunedale | $1,824 | $1,541 |
| San Juan Bautista | $1,575 | $1,330 |
| Elkhorn | $1,909 | $1,612 |
| Chualar | $2,107 | $1,780 |
| Toro Park | $1,640 | $1,385 |
Salinas, CA Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Salinas, 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 | $3,942 |
| 20 Years | $1,561 |
| 30 Years | $1,202 |
| 40 Years | $1,157 |
| 50 Years | $1,071 |
| 60 Years | $1,086 |
| 70 Years | $1,264 |
Salinas, CA Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Salinas, 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 | $2,066 | $365 |
| 3 Vehicles | $3,098 | $547 |
| 4 Vehicles | $4,131 | $729 |
Savings on 2 Vehicles bundle:$365
Savings on 3 Vehicles bundle:$547
Savings on 4 Vehicles bundle:$729
Salinas, 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 Salinas, CA.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Salinas | $1,215 | $2,992 |
| Boronda | $2,277 | $5,606 |
| Spreckels | $1,901 | $4,681 |
| Prunedale | $1,902 | $4,683 |
| San Juan Bautista | $1,965 | $4,838 |
| Elkhorn | $1,904 | $4,688 |
| Chualar | $1,808 | $4,452 |
| Toro Park | $2,023 | $4,981 |
Salinas, 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) | $1,042 |
| Excellent (740-799) | $1,190 |
| Good (670-739) | $1,266 |
| Average (580-669) | $1,652 |
| Poor (300-579) | $1,982 |
Salinas, 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 |
|---|---|---|---|
| Thomas Bridge | Farmers | 101 Mccray St Ste 102, Hollister, 95023 | (831) 637-3789 |
| Professional Ins Assoc Inc | Liberty Mutual Independent | 17601 VIERRA CANYON RD STE 206, SALINAS, 93907 | (831) 641-0325 |
| Leonard Lavorato | Farmers | 424 Salinas St, Salinas, 93901 | (831) 754-8810 |
| Ed Watson | Farmers | 1463 N Davis Rd, Salinas, 93907 | (831) 663-9624 |
| Ilda Mitchel | State Farm | 5988 Silver Crk Vly Rd Ste 60, San Jose, 95138-1077 | 408-238-0100 |
| Leavitt Central Coast Ins Svcs | Liberty Mutual Independent | 950 E BLANCO RD, SALINAS, 93901 | (831) 424-6404 |
| All Spectrum Insurance Brokers-Clsc | Liberty Mutual Independent | 4300 STEVENS CREEK BLVD STE 100, SAN JOSE, 95129 | (408) 739-8300 |
| June Mcgrew | State Farm | 250 E Hamilton Ave Ste B, Campbell, 95008 | 408-247-JUNE |
Salinas, 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 | +$53 | $1,268 |
| Driver's Failure In Showing Documents | +$118 | $1,333 |
| Driving With An Expired Registration | +$125 | $1,340 |
| Driving At A Considerably Slow Pace | +$264 | $1,479 |
| Using A Cellphone While Driving | +$278 | $1,493 |
| Running A Red Light | +$283 | $1,498 |
| Speeding | +$298 | $1,513 |
| Driving A Vehicle Without The Required Permission | +$378 | $1,593 |
| Driving With An Expired/Suspended License | +$819 | $2,034 |
Salinas, 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 | $1,166 |
| Active Disabling Device | $1,166 |
| Tracking Device | $1,142 |
| Passive Disabling Device | $1,130 |
Latest Auto Insurance Reviews in Salinas, CA | Back to Top
GeicoPremium and deducted has stayed the same , it was a lower cost of the policy that made switch from insurance companies , plus Geico offer a better customer service.
ProgressiveI love their offering. They have a policy for just about everything. I have had this insurance since my first car purchased by my parents and they have been goo to me about my rates.
ProgressiveAll insurance in the state I live in is ridiculously expensive, with that being said our policy is the cheapest we can find for the coverage we need. Our Deductible is $500 which makes it the lowest available in our area.
Farmer's Insuranceit cover the five years plan for full service and accident cover policy. it also cover the driving policy and insurance for periodic coverage insurance facility
Farm BureauI have been with Farm Bureau for over 10 years now. The customer service is very high quality, and I never have to wait long on the phone to talk to an agent.
GeicoThe premiums are a little lower than alot of other insurance companies but the price has been increasing so I'm not sure how much longer i'll be able to say they are cheaper than most.
AllstateI think the offerings are better than my last company because they were a cheap no name company. I did not feel safe with my last insurance but I do now.
MetlifeWe are completely satisfied with Met Life. We had to recently add an extra vehicle onto our policy and they did great and added the new vehicle in under 10 minutes during a phone call.
The HartfordHartford has a good customer service rating as far as I am concerned. They have been very helpful when I needed a towing and needed other information, i.e. renting a car.
The HartfordHartford has a good customer service rating as far as I am concerned. They have been very helpful when I needed a towing and needed other information, i.e. renting a car.
AllstateSometimes, although rarely, they have a problem with their office staff not being as up to date as my actual representative is. That can be a stressful situation but it is always resolved in a quick and timely manner.
AllstateI like that their premiums are low and that they get things done behind the scenes without me having to help them or provide much information.
ProgressiveThe downside is that if you ever need to file a claim or need help with some other issue, you do not have a local agent to work for you. You are at the mercy of the insurance company actually wanting to help you out, which rarely happens.
Encompass InsuranceState Farm is a fairly "no frills" policy, which is great for a student budget. I know my car is cover should something bad happen and I'm not paying a ton of money for it.
GeicoI don't know enough about them to decide this. I guess I didnt' like that they wouldn't give us a quote due to accidents that we were not at fault in up until recently.
Metromile Auto InsurancePolicy premiums are lower than my previous policy. Policy also provides easy tracking of vehicles due to the OBD device required for each vehicle and the mobile app provided. All information is easily accessible on their website.
State FarmI like that I have a physical office and a physical agent should I need assistance. I can also walk into their office with my insurance payment and have it posted on the spot so that I know my payment will not be late.