The words “low-priced” and “insurance” probably shouldn’t be used in the same sentence, especially when you are trying to find the cheapest coverage for state employees. Because it’s so expensive, let’s open your eyes to some of the things that significantly impact insurance rates, and figure out some ways to reduce the price of the next policy you buy.
The make and model of vehicle requiring insurance is probably the largest consideration when quoting the best cheap car insurance for state employees. Vehicles with economical engines, excellent safety ratings, or a track record of few liability claims will cost quite a bit less to insure than high performance models. The data below illustrates insurance costs for a number of the most cost-effective vehicles to insure.
|Vehicle||Estimated Cost for Full Coverage|
|Ford Escape XLT 2WD||$1,331|
|Hyundai Elantra GLS Touring Station Wagon||$1,456|
|Honda CR-V EX-L 4WD||$1,490|
|Honda Odyssey EX W/Rear Entertainment||$1,544|
|Jeep Grand Cherokee Laredo 2WD||$1,573|
|Chevrolet Silverado LS Extended Cab 4WD||$1,578|
|Dodge Grand Caravan SXT||$1,604|
|Toyota Tacoma Double Cab 4WD||$1,611|
|Volkswagen Jetta S 2.5 Station Wagon||$1,622|
|Jeep Wrangler Sahara 4WD 2-Dr||$1,633|
|Ford F-350 XL Super Cab 2WD||$1,641|
|Chevrolet Impala LTZ||$1,659|
|Toyota Corolla LE||$1,668|
|Nissan Rogue S 2WD||$1,685|
|GMC Sierra 2500HD SLE Regular Cab 4WD||$1,690|
|GMC Sierra 3500HD SLE Extended Cab 2WD||$1,719|
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Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Premium amounts do not factor in zip code location which can decrease or increase insurance rates considerably.
Based on these rates, you can assume that makes and models like the Ford Escape, Hyundai Elantra, and Honda CR-V are likely to be some of the cheapest vehicles to insure for state workers.
For state workers, one of the largest factors that help determine the annual cost of car insurance is where your car is garaged. Areas with more people or even just a higher incidence of claims tend to have higher auto insurance costs, whereas more rural areas can boast about having cheaper rates.
The next table ranks the highest-priced places in California for state employees to purchase a policy in. Oakland shows up at #4 with a yearly cost of $1,755 on average, which is around $146 per month.
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Annual rates are comparative as vehicle location can alter premiums significantly.
Finding good, cheap auto insurance is confusing at best, and figuring out which companies quote the best car insurance rates for state employees requires more quotes for comparison. Each insurance company has a different process for determining rates, so let’s begin by taking a look at the overall cheapest car insurance companies in Oakland, CA.
It’s a good idea to be aware that California car insurance rates are impacted by many factors that will increase or decrease the price you have to pay for coverage. Simply improving your credit score, buying a home, or getting a few speeding tickets may prompt premium changes that may make certain companies less affordable than competitors.
Find the Best Cheap Insurance in California
|Rank||Company||Cost Per Year|
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USAA may have some of the lowest car insurance rates in Oakland at around $1,143 annually. Wawanesa, Nationwide, Century National, and CSAA also are some of the best Oakland, CA insurance companies.
As the example above demonstrates, if you currently buy coverage from Century National and switched to USAA, you might achieve yearly savings of in the vicinity of $71. Customers with CSAA could save as much as $91 a year, and 21st Century customers might realize rate reductions of up to $182 a year.
To see how much you can save, click here to start a quote or visit several of the following companies.
These rates are averages for all ages of drivers and types of vehicles and do not take into consideration an exact vehicle garaging location for state employees. So the auto insurance company that fits your situation best may not even be in the top 24 companies in the list above. That affirms the importance of why you need to compare rates from multiple companies using your own driver and vehicle profiles.
Should you buy full coverage?
Saving on car insurance should be important to most drivers, and one of the best ways to lower the cost of insurance for state employees is to not buy full coverage. The illustration below illustrates the difference between insurance premiums with full physical damage coverage compared to only buying liability only. The data is based on no claims or driving violations, $100 deductibles, drivers are not married, and no discounts are taken into consideration.
If averaged for all ages, physical damage insurance costs $2,525 per year more than insuring for liability only. Many drivers will wonder when is it safe to stop buying full coverage. There is no clear-cut formula to exclude physical damage insurance, but there is a general guideline you can use. If the yearly cost of full coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then you may want to consider only buying liability coverage.
For example, let’s say your vehicle’s replacement cost is $10,500 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would receive is $9,500 after paying your deductible. If you are currently paying more than $950 annually for physical damage coverage, then you may need to consider dropping full coverage.
Poor driving habits will raise your car insurance rates
In a perfect world, the ideal way to earn cheap car insurance premiums in Oakland for state workers is to drive attentively and avoid accidents and violations. The information below shows how violations and at-fault claims drive up insurance costs for different age groups of insureds. Data assumes a married female driver, full physical damage coverage, $250 deductibles, and no discounts are applied to the premium.
The chart shows that the average cost of a car insurance policy per year with no accidents and a clean driving record is $1,975. Add in one speeding ticket and the average cost jumps to $2,296, an increase of $321 each year. Then add one accident along with the one speeding ticket and the 12-month cost of car insurance for state employees jumps again to an average of $3,206. That’s an increase of $1,231, or $103 per month, just for not paying attention while driving!
How to find the cheapest insurance for state employees
Here are many penny-pinching ideas that can help Oakland drivers buy lower-cost coverage.
- Get cheaper liability coverage by choosing a safer vehicle
- Speeding tickets and other violations increase rates
- Drop full coverage on older vehicles
- Better credit rating means better rates
- Maintain a safe distance and avoid accidents
- Increase the comprehensive and collision deductibles on your policy
- Keep rates low by shopping around frequently
The last suggestion is certainly significant, as was stressed in this piece. Car insurance rates adjust often, so drivers shouldn’t be reluctant to buy from a new company if you find a cheaper price. We understand brand loyalty, but it’s not a good idea if that dedication is costing hundreds of dollars year after year. If you have a few minutes, compare prices and find cheaper insurance for state employees in Oakland.
If you aren’t sure which coverage to buy and prefer to have some advice when shopping for cheaper insurance for state workers, the insurance agencies listed below can most likely help you make a decision which coverages you need. To find an agent nearest to you, click the button at the bottom of the list or click here to get price quotes now.
Farmers Insurance – Lorraine Yip Yung
1168 Franklin St – Oakland, CA 94607 – (510) 832-5113
Larry Sneed – State Farm Insurance Agent
11881 Skyline Blvd c – Oakland, CA 94619 – (510) 336-9909
Film Casualty Insurance Agency
3246 Ettie St #23 – Oakland, CA 94608 – (619) 578-3048
Fernando Valenzuela – State Farm Insurance
1236 30th Ave – Oakland, CA 94601 – (510) 533-9712