San Luis Obispo, CA Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in San Luis Obispo, 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 Luis Obispo, 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 Luis Obispo, CA Auto Insurance Rates
- San Luis Obispo, CA Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in San Luis Obispo, CA
- Multi Vehicle Insurance Savings in San Luis Obispo, CA
- How Credit Score Affects Car Insurance Rates in San Luis Obispo, CA
- How DUI Affects Auto Insurance Premiums in San Luis Obispo, CA
- Top Auto Insurance Agents Near San Luis Obispo, CA
- How Driving Violations Affect Auto Insurance Rates in San Luis Obispo, CA
- San Luis Obispo, CA Auto Insurance Discounts on Anti Theft Feature
- San Luis Obispo, CA Auto Insurance Company Reviews
San Luis Obispo, CA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in San Luis Obispo, CA with that of other cities in and around San Luis Obispo.
| San Luis Obispo | Los Osos | Grover Beach | Los Ranchos | Oceano | Edna | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,047 | $1,907 | $1,901 | $2,084 | $1,855 | $1,982 |
San Luis Obispo, 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 Luis Obispo, 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 Luis Obispo | $1,706 | $1,441 |
| Los Ranchos | $2,148 | $1,814 |
| Avilla Beach | $1,161 | $980 |
| Edna | $2,041 | $1,724 |
| Pismo Beach | $2,052 | $1,733 |
| Grover Beach | $1,822 | $1,539 |
| Los Osos | $1,117 | $943 |
| Oceano | $1,906 | $1,610 |
San Luis Obispo, CA Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in San Luis Obispo, 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 | $3,397 |
| 20 Years | $1,345 |
| 30 Years | $1,036 |
| 40 Years | $997 |
| 50 Years | $923 |
| 60 Years | $936 |
| 70 Years | $1,090 |
San Luis Obispo, CA Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in San Luis Obispo, 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 | $1,801 | $293 |
| 3 Vehicles | $2,701 | $440 |
| 4 Vehicles | $3,602 | $586 |
Savings on 2 Vehicles bundle:$293
Savings on 3 Vehicles bundle:$440
Savings on 4 Vehicles bundle:$586
San Luis Obispo, 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 Luis Obispo, CA.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| San Luis Obispo | $1,047 | $2,578 |
| Los Ranchos | $2,084 | $5,131 |
| Avilla Beach | $2,027 | $4,991 |
| Edna | $1,982 | $4,880 |
| Pismo Beach | $1,992 | $4,905 |
| Grover Beach | $1,901 | $4,681 |
| Los Osos | $1,907 | $4,695 |
| Oceano | $1,855 | $4,567 |
San Luis Obispo, 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) | $898 |
| Excellent (740-799) | $1,025 |
| Good (670-739) | $1,091 |
| Average (580-669) | $1,423 |
| Poor (300-579) | $1,708 |
San Luis Obispo, 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 |
|---|---|---|---|
| Daniel Phillips Lutcf | Farmers | 8800 El Camino Real, Atascadero, 93422 | (805) 461-1664 |
| Breven Baima | Farmers | 1750 El Camino Real Ste D, Grover Beach, 93433 | (805) 481-5324 |
| R Michael Wright | Farmers | 11573 Los Osos Valley Rd Ste F, San Luis Obispo, 93405 | (805) 541-3942 |
| Susan Rodriguez | State Farm | 1317 Broad St Ste A, Sn Luis Obisp, 93401-3909 | 805-783-7050 |
| Glen Wolf | State Farm | 708 E Grand Ave Ste A, Arroyo Grande, 93420-3244 | 805-489-5589 |
| Marc Amesse | State Farm | 2251 Broad St Ste A, Sn Luis Obisp, 93401-5244 | 805-543-0889 |
| Jamie Clark | State Farm | 1538 W Branch St, Arroyo Grande, 93420-1818 | 805-473-3897 |
San Luis Obispo, 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 | +$46 | $1,093 |
| Driver's Failure In Showing Documents | +$102 | $1,149 |
| Driving With An Expired Registration | +$108 | $1,155 |
| Driving At A Considerably Slow Pace | +$227 | $1,274 |
| Using A Cellphone While Driving | +$240 | $1,287 |
| Running A Red Light | +$244 | $1,291 |
| Speeding | +$257 | $1,304 |
| Driving A Vehicle Without The Required Permission | +$326 | $1,373 |
| Driving With An Expired/Suspended License | +$706 | $1,753 |
San Luis Obispo, 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 | $1,005 |
| Active Disabling Device | $1,005 |
| Tracking Device | $984 |
| Passive Disabling Device | $974 |
Latest Auto Insurance Reviews in San Luis Obispo, CA | Back to Top
State FarmI think that they are taking the customer service away from local branches. The last time I submitted a claim, I was told I would have to submit over the phone to an 800 number.
ProgressiveThey offer several things that other companies do not, such as roadside assistance and great options for rental cars if you need to use one due to an accident.
Farmer's InsuranceThey offer a high level of satisfaction when it comes to customer service. It's really easy to get in touch with a real person to talk to via either phone or internet.
GeicoYes I would recommend Geico because the rates are low and it is very easy to file a claim through the internet. Also the adjusters are very nice to work with.
GeicoI have had no problems accessing help from geico when i need it. I have been able to communicate via email or by phone.
GeicoI disliked all the emails that they continuously sent me about promotions and deals. I already signed up, I didn't need the extra work.
ProgressiveThey are very similar except from what I've noticed the prices are a bit higher than if I went with geico.