If you’re involved in a car accident, the one thing you must be able to rely on is your Hayward auto insurance policy. But often, many consumers look only at price when choosing coverage, and without the right type and amount of car insurance in Hayward, you may be left with significant out of pocket costs when an accident occurs.
By understanding the requirements in the Hayward area affect coverage, you’ll be in a better position to make the right decision about your auto insurance policy. Our instant car insurance quoting tool can help alleviate some of the stress involved in the insurance shopping process.
We’ll deliver free quotes from a variety of Hayward car insurance companies to make it easy for you to compare rates and coverage terms to find the best policy for your needs.
Car Insurance Agents In Hayward
In addition to obtaining auto insurance quotes online, you may also want to compare offerings by local car insurance agents. Their knowledge of the insurance needs of the community along with expertise in auto insurance coverage can often help consumers more easily understand their coverage options.
The following resource links offer additional information about local area insurance professionals from well-known auto insurance companies.
Twenty-three Allstate Insurance agents offer car insurance in Hayward and the neighboring cities of Castro Valley, San Ramon, Union City, Pleasanton, Dublin, San Leandro and Danville.
A team of 50 Farmers agents provide auto insurance in Hayward and the surrounding communities of San Leandro, Union City, San Lorenzo and Castro Valley. Multiple agent offices provide services in the the following languages: Filipino, Hindi, Spanish, Korean, Punjabi, Urdu, Cantonese, Mandarin and Vietnamese.
There are 7 Progressive independent insurance agents providing vehicle insurance in Hayward and the surrounding area.
The Geico office locations in San Francisco and San Jose Geico offer Hayward residents car insurance, and consumers may also visit their website or call the company hotline to obtain rate quotes or purchase coverage direct.
State Farm maintains 50 agent offices in the Hayward area including locations in Castro Valley, San Lorenzo, San Leandro, Union City, Fremont, Newark, Dublin, San Ramon, Oakland and Pleasanton.
For those consumers who wish to check the license status of insurance agents licensed in the State of California, the website of the Department of Insurance presents a lookup feature that allows the general public to view the license status of an agent, the types of insurance and companies they represent as well as any complaints or discipline received, if any.
Is Hayward insurance company listed in our resources? If not, send us a message for inclusion through our contact form. For agents seeking an individual listing, please use the paid feature section on our site.
Hayward Car Insurance Rates
Compared to the national auto insurance annual premium average of $1,810, California average premiums are 27 percent lower according to reports by CarInsurance.com. The auto insurance rates for California average $1,540 per year.
Because rates vary between different cities, it is important for Hayward drivers to seek quotes each year at renewal time to make sure they receive the same or better auto insurance rates than the state and national averages. This is most effectively accomplished by obtaining multiple quotes, which allow for comparison shopping on prices and coverage features.
Driving in Hayward
The City of Hayward is situated in the east of the San Francisco Bay area and is located in Alameda County. Although its population is a little over 144,000, it is part of the greater San Francisco metropolitan area by the United States Census, which has more than 7.5 million people residing in the entire region.
Drivers in the area have plenty of roads and highways that allow for easy navigation through the city. The Nimitz Freeway, I-880 and I-238 both travel through the city while I-580 runs in the north. Jackson Street, SR92 and Mission/Foothill Blvd, SR238 also serve Hayward with Mission well-known for being heavily congested with traffic on a daily basis.
In addition to using a private vehicle, commuters may also utilize BART, the Bay Area Rapid Transit, system, which travels throughout the Bay Area. Bus service is available for both Alameda and Contra Costa counties.
The City of San Francisco happens to rank 3rd in the nation for most traffic congested metros according to the INRIX 2011 Traffic Scorecard, and since Hayward is only 27 miles from San Francisco, it definitely shares in some of the heavily congested traffic found in the area, particularly during rush hour.
Hayward has also seen an increase in traffic accidents from 2010 to 2011. In 2010 Allstate ranked the city as 122nd in the nation for safe driving; however, in 2011 their ranking fell to 143rd in the Allstate 2011 Best Drivers Report. This study indicates that there is a 23.8 percent likelihood of experiencing an accident when driving in Hayward according to the 2011 report.
When it comes to traffic fatalities, the results for Alameda County are relatively low considering the size of the region. In the Traffic Safety Facts of 2006 to 2010, the National Highway Safety Administration published a total of 64 traffic fatalities for 2010 with 41 involving single vehicle crashes, 18 resulting from alcohol impairment and 28 caused by speeding.
California Auto Insurance Laws
California auto insurance laws make it mandatory that every driver carry car insurance. If you are caught driving without the required insurance, you face heavy fines and penalties including potential impound of your vehicle.
Although liability insurance coverage is necessary, car insurance laws in California keep the actual policy limits very low when compared to many other states. Currently, drivers must have bodily injury coverage in the amount of $15,000 for one person and $30,000 for each accident. They must also have $5,000 in property damage coverage.
While uninsured and underinsured drivers insurance is not mandated by state law, it is definitely a coverage that all California drivers need to consider since studies of the Insurance Research Council (2006) found that 25 percent of California drivers do not have auto insurance at all.
Hayward Car Insurance Quotes
The best way to ensure that you are receiving good pricing for your Hayward auto insurance is to make it a practice each year before your insurance renews to look at quotes from multiple insurance companies. By taking time to evaluate and compare rates and coverage terms, you will be able to locate the policy that fits your needs while also saving you money at the same time.
Our free, no obligation quotes offer you all the information needed conveniently in one place to make the whole process quick and easy. You’ll appreciate the quick results downloaded right to your computer because they save you time and give you access to quotes from top rated auto insurance carriers.
Get started today by entering your zip code in the form below.