When it comes to choosing San Bernardino auto insurance, saving money isn’t the only important consideration. You need a quality policy that will thoroughly protect you financially in the event of an accident or theft. Of course, the rates must also be affordable.
Shopping for car insurance in San Bernardino can be a time consuming process without the proper resources or knowledge. We’re here to help provide convenient and free auto insurance quotes so that you can quickly find the right coverage and purchase it online without stress or hassle.
Car Insurance Agents In San Bernardino
San Bernardino car insurance agents provide policy services in addition to rates. Their expertise and knowledge of the local area helps them to custom tailor plans designed to meet each individual’s needs. Many drivers like the personal attention and service that a local agent can supply. For the most part, there are two types of agents or brokers available to assist drivers. A captive agent represents only one company’s policies while an independent agent or broker will be able to offer quotes from multiple carriers that they represent.
Allstate Insurance offers car insurance in San Bernardino through 18 agent offices with additional agency locations in Highland, Fontana, Rialto, Loma Linda, Grand Terrance, Colton and Redlands. A majority of the offices offer services in Spanish.
Fifty Farmers Insurance agents supply auto insurance in San Bernardino with agents available who speak Spanish, Vietnamese, Urdu, Arabic, Hindi, Taiwanese, Korean and Armenian.
The Geico office that services San Bernardino County is located in Ontario, California.
State Farm is home to 50 agents that provide car insurance in San Bernardino as well as Highland, Colton, Rialto, Loma Linda, Redlands, Fontana, Riverside, Blue Jay, Moreno Valley, Skyforest, Yucaipa, Ontario, Alta Loma and Rancho Cucamonga.
California drivers may lookup information on any licensed California insurance agent by visiting the website of the California Department of Insurance. The site lists license status, company appointments, education and complaints of agents and agencies doing business in California.
If you don’t find your San Bernardino insurance agency listed in our resources, please let us know via our email contact form. Individual listings for agents are only accepted using our paid feature option at present.
San Bernardino Car Insurance Rates
San Bernardino auto insurance rates average $1,534 each year making it 24 percent higher than the state’s average annual premiums of $1,238 according to research completed by CarInsurance.com. Despite being higher than the California average, the auto insurance rates for San Bernardino remain 26 percent lower than the national average of $2,060.
The good news is that with a little advanced planning, drivers may find competitive pricing just by shopping with different carriers before renewal time. Give yourself at least 1 month before your auto insurance renews to obtain quotes, research rates and coverage and make the decision about what policy will fit your needs and budget.
Driving in San Bernardino
With a population of almost 210,000, the city of San Bernardino is actually situated in the much larger Riverside and San Bernardino metro area of California’s Inland Empire. The city also serves as the county seat of San Bernardino County and has significant road infrastructure to make navigation easier throughout the area.
Major freeways that travel and intersect both north and south as well as east and west include Interstate 10, which runs south toward the California Desert and Arizona and north to Los Angeles; the 210 also known as Foothill Freeway travels to Pasadena and Interstate 215, which travels east to Barstow and Nevada as well as west to Riverside and Orange Counties.
The Metrolink rail system also runs through San Bernardino traveling to San Diego in the south, Orange County in the west and Los Angeles Union Station in the northwest. A large bus system also navigates the city supplying additional transportation for commuters.
Because San Bernardino and Riverside counties are gateways between southern California and the Los Angeles and Orange County areas, there is significant traffic that runs through the entire metro area. For San Bernardino, most of its traffic begins at the I-10 and I-215 junction all the way through the county toward the Los Angeles area.
The traffic is primarily heavy during peak commuting times. Despite the large population size, San Bernardino ranks 67th for safe drivers with only a 2.1 percent likelihood that drivers will experience an accident when traveling in the city according to Allstate’s 2011 Best Drivers Report. Allstate researches collision frequency versus population size in major U.S. cities.
And while the city of San Bernardino appears to have relatively safe drivers, the National Highway Transportation Safety Administration report found that the County of San Bernardino ranked 2nd in traffic fatalities out of 58 California counties.
In 2010, there were 220 vehicle related deaths in San Bernardino County representing a 10 percent decrease from the 241 deaths that occurred in 2009. Sixty-two of the fatalities involved alcohol or drug impairment while 105 were roadway departures.
The California Department of Transportation offers a real time Traffic report in San Bernardino and Riverside counties to help commuters plan their drives more effectively. California drivers can visit the site and find out about traffic delays, accidents, road construction and closures.
California Auto Insurance Laws
Auto insurance laws in California require that every driver maintain liability coverage and carry proof of that insurance in the car. The California car insurance requirements only mandate that drivers have $15,000 bodily injury for one person, $30,000 for two or more and $5,000 for property damage.
This liability coverage only takes care of damage that a driver causes to someone else. It does not cover damage to your vehicle. In order to protect your own car, you need comprehensive and/or collision coverage. While these types of coverage are not required by California state law, they are recommended for drivers so that they do not have to pay any costs out of pocket when involved in an accident.
Learn more about California auto insurance requirements by visiting our resource page.
San Bernardino Car Insurance Quotes
Start saving on your auto insurance in San Bernardino and the whole state of California by submitting your zip code in the box below. You’ll receive free auto insurance quotes with all the rate and coverage you need to make an informed decision about which policy is right for you. By comparing rates and coverage, you’ll also more than likely find additional savings to your existing policies as well.