Watsonville Auto Insurance Rates, Quotes, Agents & Reviews in CA

Watsonville, CA Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Watsonville, 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.

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Factors that can influence the cost of car insurance in Watsonville, 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.

Watsonville, CA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Watsonville, CA with that of other cities in and around Watsonville.

Watsonville Aptos Hills-Larkin Valley Corralitos Interlaken Amesti La Selva Beach
Average Insurance Rates $1,901 $2,040 $2,087 $1,896 $1,883 $2,088

Watsonville, 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 Watsonville, 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)
Watsonville $1,387 $1,172
Freedom $1,350 $1,141
Aptos Hills-Larkin Valley $1,840 $1,554
Amesti $1,038 $877
La Selva Beach $1,551 $1,310
Corralitos $2,174 $1,837
Interlaken $1,851 $1,563
Pajaro Dunes $1,966 $1,661

Watsonville, CA Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Watsonville, 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 $6,168
20 Years $2,443
30 Years $1,881
40 Years $1,810
50 Years $1,676
60 Years $1,700
70 Years $1,978

Watsonville, CA Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Watsonville, 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 $3,346 $456
3 Vehicles $5,019 $684
4 Vehicles $6,692 $912

Savings on 2 Vehicles bundle:$456

Savings on 3 Vehicles bundle:$684

Savings on 4 Vehicles bundle:$912

Watsonville, 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 Watsonville, CA.

Location Average Insurance Cost Post DUI Insurance Rate
Watsonville $1,901 $4,681
Freedom $1,898 $4,673
Aptos Hills-Larkin Valley $2,040 $5,023
Amesti $1,883 $4,636
La Selva Beach $2,088 $5,141
Corralitos $2,087 $5,139
Interlaken $1,896 $4,668
Pajaro Dunes $2,058 $5,067

Watsonville, 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) $1,631
Excellent (740-799) $1,862
Good (670-739) $1,981
Average (580-669) $2,584
Poor (300-579) $3,101

Watsonville, 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 Manville Farmers 9045 Soquel Dr Ste 1, Aptos, 95003 (831) 688-2920
Albert Pinheiro Farmers 190 1st St, Gilroy, 95020 (408) 842-4619
Jl Martin Insurance Agency Travelers 601 CAPITOLA AVENUE SUITE C, CAPITOLA, 95010 831-462-0851
Pajaro Valley Insurance Agencies, Inc. None 1006 Freedom Boulevard, Watsonville, 95076 None
Andrew Edwards State Farm 605 Tennant Ave Ste A, Morgan Hill, 95037-5529 408-782-3000
Larry Krieger State Farm 1276 Lincoln Ave Frnt, San Jose, 95125-3008 408-292-0411
Kris Chan State Farm 36660 Newark Blvd, Newark, 94560-3000 510-793-3168
Genaro Garza Farmers 4340 Almaden Expy Ste 210, San Jose, 95118 (408) 599-7424

Watsonville, 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 +$84 $1,985
Driver's Failure In Showing Documents +$184 $2,085
Driving With An Expired Registration +$196 $2,097
Driving At A Considerably Slow Pace +$413 $2,314
Using A Cellphone While Driving +$435 $2,336
Running A Red Light +$443 $2,344
Speeding +$466 $2,367
Driving A Vehicle Without The Required Permission +$591 $2,492
Driving With An Expired/Suspended License +$1,281 $3,182

Watsonville, 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 $1,825
Active Disabling Device $1,825
Tracking Device $1,787
Passive Disabling Device $1,768

Latest Auto Insurance Reviews in Watsonville, CA | Back to Top

State Farm
The auto insurance customer service at State Farm is far superior to their home insurance. We've had a couple of claims and we're always met with nice folks looking to help
State Farm
My policy has been discounted since the beginning, as my parents had already had policies with the company. Over time, bundling and good driver discounts have reduced the price even more.
I am pretty satisfied with the premium, it could be lower with USAA but it isnt so much that it would make a large impact on our future
I feel that my auto insurance policy has pretty similar offerings as most other companies. When I looked into other companies, I saw similar services and offerings.
Farmer's Insurance
We chose the deductible that we have to save a little money monthly. The rate is about the same as others.
This company has average premium & deductible rates in the U.S., Charging substantial amounts of cash to the customer for NOTHING in return.
When looking for an auto policy I wanted something with a good value. This was exactly that. They offered the same stuff for a better price.
California Casualty
I would definitely recommend them. I have had excellent customer service for many years and have never had a problem getting my insurance company to pay when they were supposed to.