When driving in San Francisco, you need to make sure you have adequate car insurance. There are many ways to buy a policy and many companies to choose from. Yet, the simplest, fastest and often the cheapest way to get one is to buy online. You can start now by getting an instant San Fransisco car insurance quote from the form above.
It is worth noting that, despite the fact that all providers use similar risk models, some may still offer cheaper rates than others. This is why it is important to request several car insurance quotes before settling for the first San Francisco auto insurance policy you find.
San Francisco Car Insurance Agents
Like all big cities San Francisco has many auto insurance agents to choose from, if you prefer dealing with someone one on one. Getting a quote online is still the best way to save but here are just some of the agents you can choose from.
Allstate has many agents in and around San Francisco. As of right now they have 31 in the city itself and another 12 in nearby cities like Daly and San Bruno.
San Francisco Geico Insurance Agents
Surprising given how large Geico is, it does not have any local agents in San Francisco. Instead, they prefer to focus on issuing auto insurance policies online.
Progressive is also increasingly focusing on issuing policies online. However, they do have relationships with 6 local agents and brokers.
Unlike most of the companies listed above, State Farm has many local agents in San Francisco. Their website lists more than 50 agents willing to help you purchase the right car insurance policy.
Your insurance agency not listed? If you own an insurance agency that operates in San Francisco and would like to be included in our listings above please use our contact form. At the current time we do not accept individual agent listings except as part of our paid featured listing option.
Typical San Francisco Auto Insurance Rates
While, driving in California generally costs less than the US national average, driving in San Francisco does not. According to CarInsurance.com the average quoted rate for car insurance in 2011 is $1,493 per year. This is about $50 a year more than the US average, but $250 more than the California average rate for car insurance. Still at least it is still less than what you have to pay in LA.
San Francisco Driving Tips And Information
The easiest and best way to keep your insurance premiums under control is to avoid getting in accidents. Obvious bad behaviors, such as speeding and drinking and driving are strongly discouraged. For those who know the city well, you should still learn about problem intersections. INRIX claims that San Francisco is the 6th most congested city in the US with 7 of the top 100 worst intersections.
Beyond that you want to make sure you avoid driving in known problem areas. As a result you may wish to pay attention to traffic in San Francisco and the rest of the Bay Area.
If you are new to the city, or are unfamiliar with certain parts of it you may want to consult a resource like VirtualTourist‘s guide to driving in San Francisco. You want to make sure you use this information to avoid a potentially costly accident.
California Auto Insurance Laws
As you are probably aware a San Francisco car insurance policy has to follow and conform to California’s auto insurance laws. The good news is that any reputable insurer will only sell you policies that are compatible with these laws. Yet, it can be helpful to look at a few important features of the law to make sure you buy the coverage that is right for you.
Basically, you need to make you always have at least the minimum coverage for you and your car. At the current time, California requires at least 15/30/5 coverage. However, there is also an option to self-insure by leaving a cash deposit of $35,000 with the DMV. No matter what option you choose, you’ll need to carry proof of insurance or another acceptable form of identification showing financial responsibility when driving.
You can learn more about California’s Insurance Requirements for Vehicle Registration and California’s Vehicle Financial Responsibility and Suspension Laws from the California DMV website. You are strongly encouraged to read everything they have and ask any questions about a potential auto insurance policy there. You can also call them at 1-800-777-0133.
Beyond Just Getting San Francisco Car Insurance Quotes
It is important to discuss the kind of coverage you want with your car insurance provider so that you can properly decide as to which policy is best suitable for your needs. You may want to consider getting a comprehensive insurance policy so that you can be assured that you will be covered in the event of accidents, theft, and natural disasters.
If you have several cars and you want each car insured, you may also want to consider getting multiple car insurance policies to save you money. It will offer coverage for multiple vehicles under one policy. San Francisco has a lower rate of fatal car accidents than many other cities in California, so insurance providers charge lower rates compared with cities like LA.
However, it is worth noting that all insurance providers make it a point to check driving records before giving out rates. If you have a perfect driving record, then it will be easier for you to get cheaper rates for your San Francisco car insurance policy.
You can easily get an instant quote online, as can be seen using the form below. Yet, getting the best San Francisco car insurance rate requires at last a few quotes, especially since there are a lot of providers to choose from.