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.
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 Rates
- Watsonville, CA Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Watsonville, CA
- Multi Vehicle Insurance Savings in Watsonville, CA
- How Credit Score Affects Car Insurance Rates in Watsonville, CA
- How DUI Affects Auto Insurance Premiums in Watsonville, CA
- Top Auto Insurance Agents Near Watsonville, CA
- How Driving Violations Affect Auto Insurance Rates in Watsonville, CA
- Watsonville, CA Auto Insurance Discounts on Anti Theft Feature
- Watsonville, CA Auto Insurance Company Reviews
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 FarmThe 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 FarmMy 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.
GeicoI 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
AllstateI 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 InsuranceWe chose the deductible that we have to save a little money monthly. The rate is about the same as others.
GeicoThis company has average premium & deductible rates in the U.S., Charging substantial amounts of cash to the customer for NOTHING in return.
AllstateWhen 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 CasualtyI 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.