Establishing which company offers the best insurance rates for government employees may require a little more work than just comparing rates from one or two companies.
Each auto insurance company has a proprietary method to set policy rates, so we need to take a look at the insurance companies with the most affordable rates in Oakland.
Cheap Insurance Rates in California
|Rank||Company||Cost Per Year|
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USAA may offer some of the lowest car insurance rates in Oakland at around $1,155 per year. This is $496 less than the average policy premium paid by California drivers of $1,651. Century National, Wawanesa, Nationwide, and CSAA also make the cut as some of the more affordable Oakland, CA auto insurance companies.
As shown above, if you are insured with CSAA and switched to Century National, you might realize an annual premium reduction of approximately $44. California drivers with 21st Century might save as much as $189 a year, and Grange customers might reduce rates by $257 a year.
To find the cheapest coverage for you, click here to get a free quote or quote rates from the companies below.
Understand that those policy prices are averages across all types of drivers and the different vehicles they drive and and are not calculated with a vehicle location for government employees. So the auto insurance company that has the cheapest price for you may not even be in the top 24 companies in the list above. That helps illustrate why you need to get auto insurance quotes using your own personal information and vehicle type.
The make and model of vehicle on the policy is a large consideration when consumers are trying to find affordable car insurance for government employees. Vehicles with average performance, good safety features, or low incidents of liability claims will cost quite a bit less to insure than fast, unsafe models.
The next table ranks car insurance rates for a number of the most economical automobiles to insure in California.
|Make and Model||Estimated Cost for Full Coverage|
|Honda Accord LX 4-Dr Sedan||$1,336|
|Volkswagen Jetta S 2.5 Station Wagon||$1,449|
|Dodge Grand Caravan SE||$1,502|
|Hyundai Elantra GLS Touring Station Wagon||$1,533|
|GMC Sierra SLE Regular Cab 2WD||$1,583|
|Ford F-150 Lariat Crew Cab 2WD||$1,615|
|Toyota Tacoma Double Cab 4WD||$1,620|
|Ford Explorer Eddie Bauer AWD||$1,615|
|Ford Edge Limited AWD||$1,665|
|Honda Odyssey EX-L W/Navigation||$1,671|
|Honda CR-V EX 4WD||$1,680|
|Ford Escape Limited 2WD||$1,687|
|Jeep Grand Cherokee Limited 2WD||$1,696|
|Nissan Rogue SL 2WD||$1,699|
|Ford F-350 XLT Crew Cab 2WD||$1,757|
|GMC Sierra 2500HD SLT Extended Cab 4WD||$1,780|
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Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Table data does not factor in specific zip code location which can influence premiums significantly.
Looking at the data, we can expect makes and models like the Honda Accord, Volkswagen Jetta, Toyota Prius, Dodge Grand Caravan, and Hyundai Elantra are most likely to be a few of the less-costly vehicles to insure for state and federal workers.
Rate difference between full and liability-only coverage
Lowering the price of insurance should be important to most drivers, and an effective way to pay less for insurance for government employees is to not buy comprehensive and collision coverage. The illustration below illustrates the comparison of annual premium costs when comparing full coverage to liability only. The data assumes no tickets, no at-fault accidents, $1,000 deductibles, drivers are single, and no discounts are applied to the premium.
On average, physical damage coverage on your policy costs an extra $2,003 per year over liability only. A very common question is if buying full coverage is a good investment. There is no definitive guideline of when to eliminate comp and collision coverage, but there is a guideline you can consider. If the annual cost of having full coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then it might be time to consider dropping full coverage.
How to get discounts on Oakland car insurance rates
Insurance companies that provide coverage for government employees could also offer discounts that could lower prices by as much as 40% or more if you meet eligibility requirements. A few of the larger companies and some of the premium reductions they offer are outlined below.
- GEICO offers premium reductions for federal employee, emergency military deployment, membership and employees, multi-vehicle, and anti-theft.
- USAA may have discounts that include good student, multi-vehicle, defensive driver, driver training, multi-policy, and new vehicle.
- Progressive policyholders can earn discounts including online quote discount, multi-policy, good student, continuous coverage, homeowner, multi-vehicle, and online signing.
- American Family has discounts for multi-vehicle, accident-free, air bags, bundled insurance, good driver, Steer into Savings, and good student.
- Esurance discounts include anti-lock brakes, online shopper, anti-theft, online quote, and good driver.
- Farmers Insurance may offer discounts for alternative fuel, early shopping, bundle discounts, pay in full, and distant student.
- State Farm offers discounts for anti-theft, accident-free, passive restraint, good student, and driver’s education.
The example below shows the comparison of insurance prices with and without some available policy discounts. The information is based on a male driver, no violations or claims, California state minimum liability limits, comprehensive and collision coverage, and $500 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with passive restraint, marriage, anti-theft, vehicle safety, homeowner, and accident-free discounts applied. When drivers qualify for the discounts, theaverage amount saved on insurance for government employees is 28% or $576.
Your cheap policy may actually be overpriced
Oakland, CA insurance rates are based on many factors which can significantly increase or decrease your annual premium. Simply having a birthday, filing a claim, or getting a DUI can cause premium changes that can cause some rates to be more affordable than others.
Not only may things change on your end, but insurers modify pricing multiple times each year to help ensure profitability. An unexpected high level of claims may result in more expensive prices, while a profitable period can result in cheaper Oakland car insurance rates.
For instance, the data below shows which company has the cheapest car insurance in Oakland, CA for a 35-year-old female driver with no prior claims, no tickets, and great credit. If we compare prices based on her personal profile, USAA quotes the most affordable car insurance rates in Oakland at $1,516 annually. This is $135 less than the average price paid by California drivers of $1,651. Century National, Wawanesa, CSAA, and Nationwide are also on the list of the cheapest Oakland, CA auto insurance companies.
In this example, we will give the driver from the above example some claims, a lower credit score, and a couple of points charged on her driving record. Since every car insurance company has their own formula for determining rates, getting updated rate quotes most likely will result in a new list of the cheapest car insurance companies in Oakland as shown below.
Grange now has the cheapest rate in Oakland, CA with Progressive, GEICO, Mercury, and Allstate now rounding out the top five. This example shows why it is critical to compare lots of rates to find the cheapest car insurance rates for government employees. Prices are determined by many risk factors and change dramatically, so the best price the last time you checked may now be priced much higher than other options.
The Oakland, CA, insurance agents below can probably provide answers to your questions and help you determine which policy is best, since some people prefer to have some advice when trying to find the best insurance rates for government employees. It can be difficult to find the cheapest rates, and getting advice from a licensed agent can give comfort knowing you have suitable coverage if you ever need to use it. To locate an Oakland car insurance agency using an interactive map, click the button following the list.
- Farmers Insurance – Sharon Li
320 13th St #103 – Oakland, CA 94612 – (510) 986-1128
- Farmers Insurance – Yonas Hagos
220 4th St Suite 200 – Oakland, CA 94607 – (510) 763-1030
- Farmers Insurance – Lilian Cabrera
1324 Fruitvale Ave – Oakland, CA 94601 – (510) 436-6900
- State Farm: Julie La
3800 Park Blvd #200 – Oakland, CA 94602 – (510) 550-9775
How to find low-cost insurance for government employees
The list below shows many penny-pinching ideas that can help drivers quote low-cost auto insurance.
- If your vehicles are older, consider dropping full coverage
- Drivers with good credit ratings often pay less
- Insure your home and auto with the same company
- Try to remain claim-free
- Raise your deductibles
- Vehicles with safetly features generally cost less to insure
- Shop around for lower rates once a year
The final tip is extraordinarily significant, as we hit on in this article. Insurance prices adjust frequently, so don’t be tentative to switch companies if you can find a cheaper rate.
Having a favorite company is great, but we do not recommend it if that devotion results in you overpaying money that could be spent on other things. In just a few minutes you could compare rates and find cheaper auto insurance for government employees in Oakland.