San Clemente, CA Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in San Clemente, 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 San Clemente, 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.
- San Clemente, CA Auto Insurance Rates
- San Clemente, CA Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in San Clemente, CA
- Multi Vehicle Insurance Savings in San Clemente, CA
- How Credit Score Affects Car Insurance Rates in San Clemente, CA
- How DUI Affects Auto Insurance Premiums in San Clemente, CA
- Top Auto Insurance Agents Near San Clemente, CA
- How Driving Violations Affect Auto Insurance Rates in San Clemente, CA
- San Clemente, CA Auto Insurance Discounts on Anti Theft Feature
- San Clemente, CA Auto Insurance Company Reviews
San Clemente, CA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in San Clemente, CA with that of other cities in and around San Clemente.
| San Clemente | Ladera Ranch | Mission Viejo | Dana Point | San Juan Capistrano | South Coast | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,306 | $2,053 | $1,288 | $2,066 | $1,981 | $2,011 |
San Clemente, 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 San Clemente, 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) |
|---|---|---|
| San Clemente | $2,926 | $2,472 |
| San Juan Capistrano | $2,040 | $1,723 |
| Dana Point | $2,033 | $1,717 |
| South Coast | $2,890 | $2,441 |
| Ladera Ranch | $1,173 | $991 |
| Laguna Niguel | $2,710 | $2,289 |
| Mission Viejo | $1,271 | $1,074 |
| Las Flores | $1,464 | $1,236 |
San Clemente, CA Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in San Clemente, 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 | $4,238 |
| 20 Years | $1,678 |
| 30 Years | $1,293 |
| 40 Years | $1,244 |
| 50 Years | $1,152 |
| 60 Years | $1,168 |
| 70 Years | $1,359 |
San Clemente, CA Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in San Clemente, 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 | $2,220 | $392 |
| 3 Vehicles | $3,330 | $588 |
| 4 Vehicles | $4,440 | $784 |
Savings on 2 Vehicles bundle:$392
Savings on 3 Vehicles bundle:$588
Savings on 4 Vehicles bundle:$784
San Clemente, 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 San Clemente, CA.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| San Clemente | $1,306 | $3,216 |
| San Juan Capistrano | $1,981 | $4,878 |
| Dana Point | $2,066 | $5,087 |
| South Coast | $2,011 | $4,951 |
| Ladera Ranch | $2,053 | $5,055 |
| Laguna Niguel | $1,345 | $3,312 |
| Mission Viejo | $1,288 | $3,171 |
| Las Flores | $2,026 | $4,988 |
San Clemente, 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) | $1,121 |
| Excellent (740-799) | $1,279 |
| Good (670-739) | $1,361 |
| Average (580-669) | $1,775 |
| Poor (300-579) | $2,130 |
San Clemente, 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 |
|---|---|---|---|
| Greg Rosalino | State Farm | 1401 N El Camino Real Ste 109, San Clemente, 92672-4982 | 949-276-5551 |
| Insurance Solutions | Travelers | 33302 VALLE RD STE 200, SAN JUAN CAPISTRANO, 92675 | 949-348-7400 |
| Kevin Peterson | Farmers | 1104 S El Camino Real Ste A, San Clemente, 92672 | (949) 681-5041 |
| Jason Ortega | Farmers | 3553 CAMINO MIRA COSTA Ste G, San Clemente, 92672 | (949) 429-3620 |
| Nathan Comstock Insurance Services | Travelers | 28570 MARGUERITE PARKWAY STE 208, MISSION VIEJO, 92692 | 949-887-6629 |
| Ted Bowersox | State Farm | Ste 204 34085 Pacific Coast Hwy, Dana Point, 92629-2765 | 949-661-3200 |
| Dennis Simmons | Farmers | 219 Avenida Del Mar Ste B, San Clemente, 92672 | (949) 488-0444 |
| Steve Karlan | State Farm | 28321 Marguerite Pkwy Ste 203, Mission Viejo, 92692-3724 | 949-429-1626 |
| Brakke Schafnitz Insurance Brokers | Liberty Mutual Independent | 28202 CABOT RD STE 600, LAGUNA NIGUEL, 92677 | (800) 464-3606 |
| Carl Winston | State Farm | 1451 W Artesia Blvd Ste 10, Gardena, 90248-3232 | 310-808-9142 |
| Jerry Estabrook | State Farm | 2700 E Coast Hwy Ste 202, Corona Dl Mar, 92625-2128 | 949-673-8643 |
| Andrew Yang | State Farm | 1422 Cabrillo Ave, Torrance, 90501-2815 | 310-782-7884 |
San Clemente, 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 | +$57 | $1,363 |
| Driver's Failure In Showing Documents | +$127 | $1,433 |
| Driving With An Expired Registration | +$135 | $1,441 |
| Driving At A Considerably Slow Pace | +$283 | $1,589 |
| Using A Cellphone While Driving | +$299 | $1,605 |
| Running A Red Light | +$304 | $1,610 |
| Speeding | +$320 | $1,626 |
| Driving A Vehicle Without The Required Permission | +$406 | $1,712 |
| Driving With An Expired/Suspended License | +$880 | $2,186 |
San Clemente, 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 | $1,254 |
| Active Disabling Device | $1,254 |
| Tracking Device | $1,228 |
| Passive Disabling Device | $1,215 |
Latest Auto Insurance Reviews in San Clemente, CA | Back to Top
State FarmI bundled both home and auto insurance which made my premiums and deductibles manageable for my needs. Again the rates were much cheaper than my previous company.
State FarmI would 100% recommend State Farm for auto insurance because they offer the best prices for me and have fantastic customer service. when they treat you like a person and even as a friend.
Farmer's InsuranceMy experience with Farmer's Insurance as my car insurance company has been wonderful. They are much better than any other company that I have contracted with in the past.
AaaFor me the best thing about AAA that there is a small chance to get liquefied, my last company which is Access got liquefied and had to wait for a year to get my money back!