If saving money is your primary concern, then the best way to find discount auto insurance rates in Oakland is to compare prices regularly from providers who provide car insurance in California.
- First, read and learn about how auto insurance works and the measures you can take to prevent expensive coverage. Many things that increase rates like your driving record and a poor credit score can be eliminated by paying attention to minor details.
- Second, request rate estimates from direct, independent, and exclusive agents. Direct and exclusive agents can provide rates from one company like GEICO or State Farm, while independent agents can give you price quotes from many different companies.
- Third, compare the new rate quotes to your current policy premium to determine if switching companies saves money. If you can save money and change companies, make sure there is no coverage gap between policies.
An essential thing to point out is to use the same physical damage deductibles and liability limits on each quote and and to get price quotes from as many car insurance companies as possible. Doing this ensures a fair rate comparison and a thorough price selection.
It’s an obvious statement that car insurance companies don’t want you to look for a cheaper policy. Drivers who get price comparisons are inclined to buy a new policy because there is a good chance of finding a lower-priced company. A recent car insurance study revealed that drivers who shopped around every year saved an average of $865 annually compared to those who never shopped around for lower prices.
If saving the most money on auto insurance is your goal, then having some knowledge of how to find companies and compare coverages can help you succeed in finding affordable rates.
If you are already insured or are shopping for new coverage, use these tips to save money and still get good coverage. Locating the best rates in Oakland is really quite simple as long as you have a good starting point. Shoppers just have to use the least time-consuming way to compare rate quotes from multiple carriers.
The quickest method to compare car insurance rates for Kia Soul EV insurance in Oakland is to realize most insurance companies allow for online access to provide you with free rate quotes. All you need to do is provide a little information such as your credit rating estimate, if you’re married, what you do for a living, and if you went to college. Your details gets transmitted to multiple car insurance providers and they return quotes with very little delay.
To start a rate quote now, click here and enter your coverage details.
The auto insurance companies shown below can provide price comparisons in Oakland, CA. If you want to find the best auto insurance in Oakland, we recommend you get price quotes from several of them in order to find the most competitive rates.
Choosing the best Soul EV insurance in California is an important decision
Despite the fact that car insurance is not cheap in Oakland, maintaining insurance may not be optional for several reasons.
First, just about all states have compulsory liability insurance requirements which means it is punishable by state law to not carry a specific level of liability insurance coverage if you want to drive legally. 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 you have a lien on your Kia Soul EV, it’s guaranteed your bank will make it a condition of the loan that you have full coverage to guarantee payment of the loan. If you do not pay your insurance premiums, the lender will be forced to insure your Kia for a much higher rate and force you to pay the higher premium.
Third, car insurance protects your vehicle and your assets. It also can pay for most medical and hospital costs incurred in an accident. One of the most valuable coverages, liability insurance, also pays for attorney fees and expenses if you are sued as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive and/or collision insurance will pay to have it repaired.
The benefits of insuring your Soul EV definitely exceed the cost, especially with large liability claims. Unknowingly, the average driver overpays as much as $865 each year so shop around at least once a year to help ensure money is not being wasted.
Insurance Rate Influencing Factors
Consumers need to have an understanding of some of the things that help calculate car insurance rates. When consumers understand what determines base rates, this enables you to make decisions that could help you find cheaper rates.
The items below are some of the things utilized by car insurance companies to help set premiums.
Prices also based on gender – Over the last 30 years, statistics show that females take fewer risks when driving. The data does not necessarily mean that women are BETTER drivers than men. They both are responsible for fender benders at about the same rate, but males cause more damage and cost insurance companies more money. Men also get more serious tickets such as reckless driving.
Avoid tickets and save – How you drive has a lot to do with how much you pay for insurance. Getting just one speeding ticket or other violation may cause rates to rise forty percent or more. Good drivers pay lower auto insurance prices compared to bad drivers. Drivers who have received dangerous violations such as DUI, reckless driving or excessive speeding may find they need to submit a SR-22 form with their state’s department of motor vehicles in order to prevent their license from being revoked.
Your liability limits – The liability section of your policy will provide protection when a court rules you are at fault for causing damage or personal injury in an accident. Your policy’s liability insurance provides legal defense to attempt to prove you were not liable. This coverage is relatively inexpensive compared to other policy coverages, so drivers should buy more than the minimum limits required by law.
Premiums may be lower depending on your job – Do you work in a high-stress field? Jobs such as doctors, social workers, and dentists generally have the highest average rates in part from high stress levels and lots of time spent away from family. On the other hand, jobs such as scientists, athletes and the unemployed pay the least.
Lower rates with a multi-policy discount – Most insurance companies provide discounts to policyholders who have multiple policies with them, otherwise known as a multi-policy discount. The discount can be five, ten or even twenty percent. Even with this discount applied, it’s still a good idea to get quotes from other companies to help guarantee you have the best rates. Drivers may still find lower rates by buying insurance from more than one company.
Low coverage deductibles mean high prices – Insurance for physical damage, aka comp and collision, covers damage that occurs to your Kia. A few examples of covered claims are a broken side mirror, flood damage, and windstorm damage. Physical damage deductibles tell how much you are required to spend before a claim is paid by your company. The larger the amount you pay before a claim is paid (deductible), the lower your rates will be.
Oakland car insurance companies ranked
Selecting the right car insurance company can be difficult considering how many companies provide coverage in Oakland. The company rank data displayed below may help you choose which car insurance companies to look at putting your business with.
Top 10 Oakland Car Insurance Companies Ranked by Value
- American Family
- The Hartford
- AAA of Southern California
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Mercury Insurance
Top 10 Oakland Car Insurance Companies by A.M. Best Rank
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Cheap auto insurance rates are out there
As you prepare to switch companies, you should never skimp on critical coverages to save a buck or two. There are a lot of situations where consumers will sacrifice liability limits or collision coverage only to regret at claim time that they should have had better coverage. Your focus should be to find the BEST coverage at the best cost.
We just covered a lot of tips how to get a better price on Kia Soul EV insurance in Oakland. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. Drivers may even discover the lowest premium rates come from a small local company. Regional companies may only write in your state and offer lower prices compared to the large companies like Progressive or GEICO.
Much more information about auto insurance in California can be found at these links:
- Warning systems don’t curb driver distraction (Insurance Institute for Highway Safety)
- How Much are Auto Insurance Rates for a 20 Year Old Male in Oakland? (FAQ)
- Who Has Affordable Auto Insurance for Felons in Oakland? (FAQ)
- How Much is Oakland Car Insurance for a Ford Explorer? (FAQ)
- Who Has the Cheapest Oakland Auto Insurance Quotes for Ride Shares? (FAQ)
- How Much are Oakland Car Insurance Quotes for a Toyota RAV4? (FAQ)
- Distracted Driving (Insurance Information Institute)
- When is the Right Time to Switch Car Insurance Companies? (Allstate)
- How to Avoid Common Accidents (State Farm)