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For low rates on your Escondido auto insurance, shopping online allows consumers to find affordable insurance deals without ever having to leave home or office. Comparison shopping with multiple companies also provides enough information so that drivers will know they are receiving the best rates on the type of coverage they need the most.

Then when you’re ready to purchase, you may also buy Escondido car insurance policies online. There’s never been an easier and quicker way to buy car insurance!

Car Insurance Agents In Escondido

When you require personal service and attention, local Escondido car insurance agents are also available to assist you with comparing rates and coverage from insurance companies they represent. With offices located in the local community, agents are uniquely aware of the car insurance needs that local drivers require in order to fully protect themselves in the event of an accident.

The following links offer information about car insurance agents with offices in Escondido.

Escondido Allstate Insurance Agents

There are 9 Allstate agents providing auto insurance in Escondido with bilingual agents available to assist clients in Spanish and American Sign Language.

Escondido Farmers Insurance Agents

Fifty Farmers Insurance agents have auto insurance offices in Escondido and nearby Valley Center, San Marcos, San Diego, Vista and Carlsbad. Agents are available to assist bilingual clients in the languages of Spanish, Filipino, Russian, French, Farsi and Greek.

Escondido Progressive Insurance Agents

Progressive maintains 5 agent offices that offer car insurance in Escondido with the majority of agents providing services for Spanish speaking residents.

Escondido Geico Insurance Agents

The Escondido area is served by two San Diego area Geico offices located in Chula Vista and San Marcos. Motorists may also find rate and coverage information online at the Geico website or by phone on their support hotline.

Escondido State Farm Insurance Agents

State Farm offers 50 insurance agents in Escondido and the neighboring cities of San Marcos, San Diego, Vista, Carlsbad, Encinitas, Poway, Oceanside, Solana Beach, Cardiff by the Sea and Ramona. For Spanish and Korean residents, there are bilingual agents available to assist in these languages.

California Department of Insurance Agent Lookup

The California Department of Insurance website offers an agent lookup feature where consumers may learn more about the status of licenses for California insurance agents along with information about the companies and types of insurance they represent, continuing education classes they’ve completed and any disciplinary action on file.

If your Escondido insurance company is not listed in our resources, please send an add request using our email contact form. At the present time, we only accept individual agent listings in our paid feature section.

Escondido Car Insurance Rates

The San Diego area offers some of the lower auto insurance rates in the State of California, and as part of this metropolitan area, Escondido shares in more affordable car insurance coverage than other California cities. According to reports by CarInsurance.com, the average annual auto insurance rates in California are 16 percent lower than the national average of $1,794.

Because rates can vary from company to company and city to city, Escondido drivers need to shop and compare rates and coverage terms from multiple insurance companies to ensure they are receiving the best rates and coverage available in the marketplace today.

Driving in Escondido

As part of the greater San Diego metropolitan area, Escondido is located north of the city and is home to almost 144,000 residents according to the United States Census of 2010. Interstate 15 runs through Escondido on its way to San Diego in the south and Temecula/Corona in the north.

Route 78 runs east and west through Escondido with the westerly route ending in Carlsbad, California. Many commuters that work in San Diego live in the Escondido area, and some choose to drive their personal vehicles while others use the local bus service or commuter rail that links Escondido with both San Diego and cities in Orange County.

Due to its close proximity to San Diego, the City of Escondido shares in some of the heavy traffic congestion that plagues the area. San Diego is ranked 19th in the county for most traffic congested metro areas according to the 2011 INRIX Traffic Scorecard.

The safety of city drivers is about average with Allstate Insurance Company ranking Escondido as 105th in the nation when evaluating accident frequency in their Best Drivers Report for 2011. Drivers navigating through Escondido experience a 10.1 percent likelihood of experiencing an accident according to this report.

With regard to traffic fatality statistics, San Diego ranked 4th in California for fatalities according to the Traffic Safety Facts Report for 2006 to 2010 published by the National Highway Traffic Safety Administration.

Fortunately, the fatality rate for San Diego County seems to be improving. In 2010, there were 186 vehicle related deaths representing a 20 percent decrease from 2009. Of the 186 traffic fatalities in 2010, 62 involved speeding, 49 were caused by alcohol impaired drivers and 123 were single vehicle crashes.

San Diego drivers will find up-to-date traffic reports for Escondido and the entire area by visiting the Sigalert website. The site provides current data about traffic accidents, congestion and road closures.

California Auto Insurance Laws

California car insurance laws require that all drivers carry minimum amounts of auto insurance. The policy limits must be at least $15,000/$30,000/$5,000 to cover bodily injury and property damage when involved in an accident.

While auto insurance laws in California establish these minimum policy limits, they do not require that drivers carry coverage for their own personal vehicle or to protect against uninsured or underinsured motorists. Most insurance agents and companies recommend that drivers consider adding collision, comprehensive and/or uninsured motorist coverage to existing policies in order to be fully protected in the event of an accident.

Liability coverage only pays for repair to the other person’s vehicle if you are the cause of an accident so in order to cover repair costs for your personal vehicle, these additional coverage types are needed.

Escondido Car Insurance Quotes

Escondido auto insurance coverage information may be easily obtained by using the power of the internet to sort through all the companies offering car insurance in Escondido and the State of California.

Comparison shopping is needed in order to ensure that you are receiving the best rates available, and our instant insurance quote tool provides all the data you need in one location to make an informed decision quickly and easily. Simply enter your zip code below to get started saving on your car insurance today.

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