Car Insurance Rate Quotes for a Pontiac Aztek in Oakland

Shocking but true, the vast majority of consumers have bought car insurance from the same company for well over three years, and 38% of drivers have never quoted car insurance rates at all. With the average car insurance premium being $1,387, Oakland drivers could cut their rates by as much as $470 a year just by shopping around, but most tend to underestimate the amount of savings they would get if they just switched companies.

Insurance for Pontiac AztekIf saving money is your primary concern, then the best way to get affordable auto insurance rates in Oakland is to regularly compare prices from providers in California. Drivers can shop around by following these steps.

First, learn about how companies price auto insurance and the factors you can control to keep rates in check. Many things that cause rate increases like accidents, careless driving, and bad credit can be eliminated by making small lifestyle or driving habit changes. Continue reading for the details to lower rates and get additional discounts.

Second, compare rates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only quote rates from a single company like Progressive or Allstate, while independent agents can quote prices from multiple sources.

Third, compare the new rates to the price on your current policy and see if you can save money. If you find a lower rate and make a switch, verify that coverage does not lapse between policies.

The most important part of this process is that you use similar limits and deductibles on every price quote and and to get prices from as many companies as feasibly possible. This guarantees a fair rate comparison and the most accurate and complete price analysis.

Low cost Pontiac Aztek insurance prices in Oakland

The providers in the list below provide free quotes in California. To buy the best cheap car insurance in Oakland, CA, it’s highly recommended you visit two to three different companies to get the most affordable price.

Cheaper rates with discounts

The price of auto insurance can be rather high, but you might already qualify for some discounts that can help lower your rates. Certain reductions will be credited at the time of purchase, but once in a while a discount must be specially asked for before they will apply.Discount auto insurance

As is typical with insurance, most of the big mark downs will not be given to your bottom line cost. Some only reduce the cost of specific coverages such as comp or med pay. So when the math indicates you could get a free auto insurance policy, insurance companies wouldn’t stay in business.

The best auto insurance companies and their offered discounts are:

Before you buy a policy, ask each insurance company which discounts can lower your rates. Some discounts may not be offered in every state. If you would like to choose from a list of companies with the best discounts in California, click here.

Buying car insurance from Oakland insurance agents

Many people would prefer to visit with an insurance agent and doing that can be a smart decision Good agents can help determine the best coverages and help submit paperwork. A nice benefit of getting free rate quotes online is the fact that you can find cheap rate quotes and also buy local. Supporting local agencies is especially important in Oakland.

Find insurance agent in OaklandTo find an agent, once you fill out this simple form, your insurance data is emailed to participating agents in Oakland that give free quotes to get your business. There is no need to leave your computer as quotes are delivered instantly to you. If you wish to quote rates from one company in particular, feel free to navigate to their website and fill out their quote form.

Pick the best car insurance agent in Oakland for you

When searching for a good Oakland insurance agent, you must know there are a couple types of agencies and how they are slightly different. Car insurance agents are classified as either independent or exclusive. Both can sell affordable car insurance policies, but it is a good idea to know the difference in the companies they write for since it could factor into buying decisions.

Independent Agencies or Brokers

These type of agents often have affiliation with several companies and that allows them to write policies with any number of different companies and find the cheapest car insurance rates. To transfer your coverage to a different company, the agent simply finds a different carrier and you won’t have to switch agencies.

When comparing car insurance prices, you need to get some free quotes from multiple independent agents to maximize your price options.

Listed below is a short list of independent agencies in Oakland that may be able to give price quote information.

3560 Grand AveOakland, CA 94610(510) 874-5700View Map

1620 High St STE BOakland, CA 94601(510) 434-1801View Map

80 Swan Way # 102Oakland, CA 94621(510) 877-4119View Map

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Exclusive Insurance Agents

These agents generally can only insure with one company like State Farm or Allstate. They usually cannot shop your coverage around so they have to upsell other benefits. Exclusive agents are very knowledgeable on sales techniques which helps offset the inability to provide other markets.

The following are exclusive agents in Oakland willing to provide comparison quotes.

5956 MacArthur BlvdOakland, CA 94605(510) 635-0608View Map

1901 Harrison St Ste 100Oakland, CA 94612(510) 808-7120View Map

8105 Edgewater Dr #118Oakland, CA 94621(510) 878-7555View Map

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Deciding on an auto insurance agent is decision based upon more than just a cheap price quote. Below are some questions you should ask.

How do Car Insurance Companies Determine Pontiac Aztek Insurance Premiums?

Part of the car insurance buying process is learning the rating factors that go into determining your policy premiums. When you know what positively or negatively influences your rates, this allows you to make good choices that could result in lower rates. Lots of things are used when you get a price on insurance. Some are pretty understandable such as traffic violations, although some other factors are more transparent such as your credit history or how safe your car is.

It may be expensive, but it’s not optional

Despite the high cost of buying insurance for a Pontiac Aztek in Oakland, car insurance serves a purpose in several ways.

The benefits of carrying enough insurance are definitely more than the cost, especially if you ever need it. An average driver in America overpays more than $865 each year so compare quotes from several companies at every policy renewal to save money.

Car insurance company ratings

Buying coverage from a good quality insurer is hard considering how many different insurance companies sell coverage in California. The ranking information shown next can help you select which providers you want to consider comparing rates from.

Top 10 Oakland Car Insurance Companies Overall

  1. USAA
  2. American Family
  3. AAA of Southern California
  4. State Farm
  5. The Hartford
  6. AAA Insurance
  7. GEICO
  8. The General
  9. Titan Insurance
  10. Progressive

Final considerations

Some insurance companies do not offer online rate quotes and most of the time these smaller providers provide coverage only through independent agents. The cheapest Pontiac Aztek insurance in Oakland can be sourced from both online companies and also from your neighborhood Oakland agents, so you should be comparing quotes from both to have the best chance of lowering rates.

In this article, we covered a lot of ways to get a better price on Pontiac Aztek insurance in Oakland. The key concept to understand is the more providers you compare, the better your comparison will be. Drivers may even discover the lowest car insurance rates are with some of the smallest insurance companies. Some small companies may only write in your state and offer lower premium rates as compared to the big name companies such as State Farm, GEICO and Nationwide.

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