Unimaginable but true, nearly 70% of consumers kept their coverage with the same auto insurance company for more than four years, and approximately 40% of consumers have never shopped around. With the average auto insurance premium being $1,400, Oakland drivers could cut their rates by almost $500 a year, but they don’t invest the time required to compare other rate quotes.
The best way we recommend to find the cheapest price for auto insurance rates in Oakland is to make a habit of regularly comparing prices from insurers who can sell car insurance in California.
Step 1: Spend a few minutes and learn about how your policy works and the measures you can control to keep rates low. Many policy risk factors that cause rate increases such as speeding tickets, accidents and a poor credit rating can be eliminated by being financially responsible and driving safely. This article provides more ideas to get affordable coverage and get additional discounts that may be available.
Step 2: Compare prices from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from one company like GEICO or State Farm, while agents who are independent can give you price quotes for a wide range of insurance providers.
Step 3: Compare the price quotes to your current policy and determine if there is any savings. If you can save money and buy the policy, verify that coverage does not lapse between policies.
The key aspect of shopping around is to try to compare identical coverages on every quote request and and to analyze as many companies as feasibly possible. Doing this ensures a fair price comparison and the best rate selection.
Most larger insurance companies give pricing on their websites. Comparing prices online for Jeep Patriot insurance in Oakland is very simple because you just enter your coverage preferences as detailed in the form. When complete, the quote system automatically retrieves your credit score and driving record and generates pricing information.
Quoting online for Jeep Patriot insurance in Oakland makes comparing rates easy, and it’s very important to perform this step if you want to find the most affordable premium.
To quickly find out what other companies charge, compare quotes from the companies shown below. To compare your current rates, we recommend that you enter your coverages identical to your current policy. Doing this guarantees you will be getting a price comparison based on similar coverages.
The companies in the list below are ready to provide quotes in California. If you want to find cheaper auto insurance in Oakland, it’s a good idea that you visit several of them to get the most affordable price.
Car insurance protects more than just your car
Even though it’s not necessarily cheap to insure a Jeep in Oakland, paying for car insurance is required by state law in California and it also provides benefits you may not be aware of.
First, the majority of states have mandatory insurance requirements which means you are required to buy a specific minimum amount of liability coverage in order to drive the car. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if your Jeep Patriot has a loan, it’s most likely the lender will make it a condition of the loan that you have full coverage to ensure the loan is repaid in case of a total loss. If the policy lapses, the lender may have to buy a policy to insure your Jeep at a more expensive rate and require you to reimburse them for it.
Third, car insurance protects both your assets and your vehicle. It will also cover many types of medical costs that are the result of an accident. As part of your policy, liability insurance also covers legal expenses in the event you are sued. If your car is damaged in a storm or accident, comprehensive and/or collision insurance will pay all costs to repair after the deductible has been paid.
The benefits of carrying adequate insurance definitely exceed the cost, especially if you ever need it. Despite what companies tell you, the average driver is currently overpaying as much as $865 each year so compare rate quotes at every policy renewal to help ensure money is not being wasted.
Rates and detailed analysis
The price information shown below highlights different insurance rates for Jeep Patriot models. Having a good understanding how car insurance premiums are figured is important to be able to make smart choices when choosing a car insurance company.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Patriot Sport 2WD||$324||$648||$534||$32||$160||$1,698||$142|
|Patriot Sport 4WD||$324||$648||$534||$32||$160||$1,698||$142|
|Patriot Limited 2WD||$372||$790||$534||$32||$160||$1,888||$157|
|Patriot Limited 4WD||$372||$790||$534||$32||$160||$1,888||$157|
|Get Your Own Custom Quote Go|
Above prices assume single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Rates do not factor in specific location which can revise prices considerably.
The example below illustrates how choosing a deductible and can change Jeep Patriot annual premium costs for different age groups. The prices are based on a married female driver, comprehensive and collision coverage, and no policy discounts are applied.
Gender-based insurance premiums in Oakland
The example below shows the difference between Jeep Patriot insurance costs for male and female drivers. The premiums are based on no driving violations, no at-fault accidents, comprehensive and collision coverage, $250 deductibles, marital status is single, and no discounts are applied to the premium.
Lower your insurance rates with discounts
Car insurance companies don’t always publicize every policy discount in a way that’s easy to find, so the below list has both the well known and the more hidden ways to save on insurance.
- Multi-car Discount – Purchasing coverage when you have multiple cars with the same company can get a discount on all vehicles.
- Include Life Insurance and Save – If the company offers life insurance, you could get a discount if you purchase some life insurance in addition to your auto policy.
- Use Seat Belts – Drivers who always wear seat belts and also require passengers to use their safety belts could save 15% on the premium charged for medical payments and/or PIP.
- Early Signing – A few insurance companies give discounts for switching policies early. This can save 10% or more.
- Discount for Low Mileage – Driving fewer miles could qualify for lower prices on the low mileage vehicles.
- Online Discount – A few insurance companies will provide an incentive for buying a policy and signing up on their website.
- Driver Safety – Taking time to complete a defensive driver course could possibly earn you a 5% discount if your company offers it.
A little note about advertised discounts, most discounts do not apply to the overall cost of the policy. Most only cut individual premiums such as comprehensive or collision. Just because you may think it’s possible to get free car insurance, that’s just not realistic.
The diagram below shows the comparison of Jeep Patriot car insurance costs with and without discounts applied to the policy premium. The data assumes a female driver, a clean driving record, no claims, California state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, safe-driver, homeowner, claim-free, and multi-car discounts applied.
To find insurance companies with discount rates in Oakland, click here to view.
What if I want to buy from local Oakland car insurance agents?
Many people still like to talk to an insurance agent and that is a personal choice. Most agents can help determine the best coverages and help you file claims. One of the best bonuses of getting online price quotes is the fact that you can find lower rates and still have a local agent.
By using this short form, your coverage information is sent to insurance agents in Oakland who will give you quotes to get your business. There is no reason to search for an agent as quotes are delivered directly to you. If for some reason you want to get a comparison quote for a specific company, you can always jump over to their website and fill out their quote form.
Deciding on a insurer requires you to look at more than just a low price. A good agent in Oakland will have answers to these questions.
- Is there any savings for paying the full premium?
- How much can you save by raising your physical damage deductibles?
- Which members of your family are coverage by the policy?
- Does the agency have a current Errors and Omissions policy?
- Do they receive special compensation for putting your coverage with one company over another?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
What types of car insurance agents are in Oakland?
If you need to find an insurance agent, there are two types of insurance agents and how they can quote your rates. Auto insurance agents in Oakland can be described as either independent agents or exclusive agents. Either one can sell and service auto insurance coverage, but it’s important to know how they are different since it could factor into the kind of agent you use.
Exclusive Insurance Agencies
These type of agents work for only one company and some examples include Farmers Insurance or State Farm. They are unable to place coverage with different providers so you might not find the best rates. Exclusive agencies receive extensive training on the products they sell which aids in selling service over price. Some people will only use the same agent mainly due to the brand rather than low price.
Below is a short list of exclusive agents in Oakland that are able to give rate quotes.
- Fernando Valenzuela – State Farm Insurance
1236 30th Ave – Oakland, CA 94601 – (510) 533-9712 – View Map
- Farmers Insurance – Anthony Sue
3333 Grand Ave #203 – Oakland, CA 94610 – (510) 465-1544 – View Map
- State Farm: Julie La
3800 Park Blvd #200 – Oakland, CA 94602 – (510) 550-9775 – View Map
Independent Auto Insurance Agents
These agents are not employed by any specific company and that gives them the ability to insure with multiple insurance companies and potentially find a lower price. To transfer your coverage to a different company, they simply move the coverage in-house and you won’t have to switch agencies.
If you are comparing auto insurance prices, you need to get quotes from independent agents for the best price selection. Most can insure with different regional companies which may have better rates.
Shown below are Oakland independent insurance agencies that are able to give price quote information.
- Film Casualty Insurance Agency
3246 Ettie St #23 – Oakland, CA 94608 – (619) 578-3048 – View Map
- Thandi Insurance Brokerage
2859 Mandela Pkwy – Oakland, CA 94608 – (510) 452-1566 – View Map
- Western-Southern Life Insurance Co
80 Swan Way # 102 – Oakland, CA 94621 – (510) 877-4119 – View Map
Upon receiving good feedback and a low price estimate, you may have found a car insurance agent that meets the requirements to provide auto insurance coverage. But remember, consumers can cancel your policy for any reason so never feel that you’re stuck with any particular company for any length of time.
How do I know if I need professional advice?
When quoting and choosing insurance from an agent or online for your personal vehicles, there really is not a perfect coverage plan. Every situation is different.
Here are some questions about coverages that might point out whether or not you might need an agent’s assistance.
- Is my trailer covered?
- Does my policy cover me if I wreck while driving under the influence?
- Is pleasure use cheaper than using my Jeep Patriot to commute?
- How high should my medical payments coverage be?
- Are rental cars covered under my policy?
- Which companies will insure high-risk drivers?
- Will I lose any money if I cancel my policy before it expires?
If you can’t answer these questions but a few of them apply, you might consider talking to an agent. To find an agent in your area, complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.
How much can you save?
Drivers switch companies for many reasons like poor customer service, lack of trust in their agent, delays in paying claims and high prices. It doesn’t matter why you want to switch choosing a new insurance company can be easy and end up saving you some money.
Low-cost Jeep Patriot insurance in Oakland can be sourced from both online companies and from local insurance agents, and you should compare price quotes from both to have the best rate selection. Some car insurance companies do not provide online rate quotes and usually these regional insurance providers provide coverage only through independent agents.
When buying insurance coverage, it’s not a good idea to buy less coverage just to save a little money. There have been many cases where an insured cut liability limits or collision coverage and found out when filing a claim they didn’t have enough coverage. The goal is to get the best coverage possible at the best possible price while not skimping on critical coverages.
To learn more, take a look at the resources below:
- Red Light Cameras (State Farm)
- Who Has Cheap Oakland Auto Insurance for Drivers Under 21? (FAQ)
- Who Has Cheap Oakland Auto Insurance for College Students? (FAQ)
- How Much are Auto Insurance Rates for Good Students in Oakland? (FAQ)
- Who Has Affordable Car Insurance for Drivers with a Bad Driving Record in Oakland? (FAQ)
- Should I Buy a New or Used Car? (Allstate)
- Eight Auto Insurance Myths (Insurance Information Institute)
- New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)
- Speed and Speed Limit FAQ (iihs.org)