When it comes to shopping for car insurance in Torrance, finding the right coverage is as simple as logging onto our site.
Car Insurance Agents In Torrance
For some auto insurance shoppers it can be overwhelming to decide between different types of coverage or policies. That’s why local Torrance car insurance agents are available within the community in order to assist area drivers with evaluating auto insurance coverage and then securing the program that is right for individual needs.
With their knowledge of the local area and expertise within the auto insurance industry, many residents feel comfortable dealing with an insurance professional face-to-face when it comes to finding and purchasing protection for their vehicle.
Torrance is home to 8 Allstate Insurance agents, and there are an additional 15 agent locations available in nearby Redondo Beach, Gardena, Lomita, Carson, Lawndale and Manhattan Beach.
Farmers Insurance has 25 agents offering car insurance in Torrance with bilingual professionals available to assist area residents in Spanish and Portuguese.
For auto insurance in Torrance, there are 11 Progressive Insurance agents and agencies available to assist drivers with their insurance needs.
Geico’s Ontario office provides auto insurance coverage for Torrance and surrounding communities. Drivers may also contact the company directly to obtain rate and coverage information.
Twenty-seven insurance agents offer State Farm auto insurance in Torrance, and more than half of those agents offer bilingual service in Spanish.
The California Department of Insurance maintains an informative website where consumers may look up information on licensed California insurance agents including license status, companies they represent, lines of insurance they offer and disciplinary action or complaints on file with the department.
If your Torrance insurance company is not included in our listings, please send an add request using our email form. For individual agent listings please contact us about being included in our paid feature section.
Torrance Car Insurance Rates
Drivers in California pay much less than the national average according to CarInsurance.com. The national average for annual auto insurance premiums is $1,810 while California’s rates are 27 percent lower at an average $1,540 per year. Torrance drivers benefit from lower rates than many other cities in the United States, but they should also make sure to check rates with different companies each year at renewal time since rates vary from company to company.
By taking time to receive competitive quotes, it is more likely that drivers will find appropriate coverage and affordable pricing.
Driving in Torrance
Torrance is a charming and not so well-known beach city within Los Angeles County. Its population of 145,000 enjoys 1-1/2 miles of beachfront and a moderate Mediterranean type climate. Many major corporations are headquartered in the city including Honda, Toyota Motors, Honeywell and Alcoa.
Driving through the city is made easy with the various highways available to commuters, which include Interstate 110, Interstate 405, State Route 91, State Route 107 and State Route 1. Because of its close proximity to Los Angeles, Torrance also has Los Angeles bus service routes in addition to their own community bus run by Torrance Transit. The city is also conveniently located only 15 minutes from LA and Long Beach Airports.
Torrance does not fare well when it comes to safe driving conditions perhaps because it is part of the greater Los Angeles metropolitan area, which ranks 1st in the country for most congested traffic areas according to the 2011 INRIX Traffic Scorecard.
Torrance placed 165th out of 200 cities in the Allstate Best Drivers Report for 2011. After comparing collision frequency and accident rates, Allstate determined that drivers in Torrance have a 31.7 percent likelihood of becoming involved in an accident.
When evaluating traffic fatalities for Los Angeles County overall, the National Highway Safety Administration found that the County also ranked first in the state for vehicle related deaths between 2006 and 2010.
In 2010 alone there were 561 traffic fatalities, more than double of the 2nd ranking county in California, San Bernardino (220). Of the 561 deaths, 157 were caused by drunk driving, 223 by speeding and 194 were pedestrian fatalities.
California Auto Insurance Laws
When choosing Torrance auto insurance, drivers must also consider the auto insurance laws in California. Although only liability insurance is required, most drivers need additional types of coverage in order to have full insurance protection.
California car insurance law requires liability policy limits of $15,000/$30,000/$5,000. In addition to liability, there are many other coverage options for drivers to consider including personal injury protection, collision, comprehensive and uninsured/underinsured motorist protection.
Because California liability limits are so low, most insurance companies also recommend that higher policy limits be purchased in order to completely cover the costs of an accident.
Torrance Car Insurance Quotes
With so many options available when it comes to car insurance for Torrance drivers, having the right information on hand for making decisions about your car insurance is extremely important.
You want to make sure that you are fully covered for any type of risk you encounter while driving. Of course, budget is also always at the forefront of many shopper’s decision-making process as well. That’s why obtaining our free quotes simplifies the entire process for you because you simply input your zip code, answer a few questions and within minutes, you’ll have all the coverage and rate information you need to determine which policy is right for you.
Get started below to find quality coverage that won’t break your wallet.