I doubt anyone likes having to buy auto insurance, especially when they know the cost is way too high.

Astonishing but true according to a recent study, most auto insurance customers have stayed with the same insurance company for well over three years, and virtually 40% of consumers have never shopped around. Drivers in Fresno could pocket almost $500 a year by just shopping around, but they won't spend time to find cheaper auto insurance rates. Companies like GEICO, Farmers Insurance and State Farm constantly blast consumers with fancy advertisements and it is difficult to sift through the bull and take the time to shop coverage around.

Consumers need to get comparison quotes once or twice a year because insurance rates are adjusted regularly by insurance companies. Even if you got the best deal on auto insurance a year ago you will most likely find a better price today. You can find a lot of misleading information regarding auto insurance on the web, but by reading this article, you're going to learn the easiest ways to find cheap auto insurance in Fresno.

Compare insurance rates

Most companies such as State Farm, GEICO and Progressive provide coverage prices online. Doing online price comparisons doesn't take a lot of time as you just type in your coverage preferences into the quote form. When complete, the quote system will obtain credit information and your driving record and returns a price based on these and other factors. The ability to get online quotes makes it easy to compare insurance prices and it's also necessary to compare as many rates as possible if you want to get a better rate.

To compare pricing, visit the companies below or click here to submit a quote request to multiple companies at once. To compare your current rates, we recommend you copy coverages and limits as close as possible to your current policy. This ensures you will be getting a rate comparison for similar insurance coverage.

The auto insurance companies shown below have been selected to offer quotes in California. In order to find cheap car insurance in Fresno, we recommend you visit as many as you can in order to find the most competitive rates.

Insurance Rates for Popular Vehicles in Fresno
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT 2WD $1,320 $660 $110
Chevrolet Equinox LTZ AWD $1,102 $551 $92
Chevrolet Impala LS $1,526 $763 $127
Chevrolet Silverado LT Extended Cab 4WD $1,488 $744 $124
Dodge Grand Caravan SE $1,274 $637 $106
Dodge Ram Quad Cab Sport 4WD $1,602 $801 $134
Ford Escape XLS 4WD $992 $496 $83
Ford F-150 XL Crew Cab 4WD $1,684 $842 $140
Ford Focus SE 2-Dr Coupe $1,700 $850 $142
Honda Accord EX 2-Dr Coupe $1,504 $752 $125
Honda CR-V EX-L 2WD $1,324 $662 $110
Honda Civic EX 2-Dr Coupe $1,534 $767 $128
Hyundai Elantra SE Touring Station Wagon $1,252 $626 $104
Nissan Altima 2.5 S 2-Dr Coupe $2,006 $1,003 $167
Nissan Rogue SL 2WD $1,596 $798 $133
Toyota Camry SE $1,418 $709 $118
Toyota Corolla S $1,626 $813 $136
Toyota Prius $1,404 $702 $117
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Premium amounts do not factor in zip code location which can increase or decrease premium rates greatly.

Price comparison of only insuring for liability

The illustration below shows the comparison of Honda Accord yearly insurance costs with full coverage compared to only the California minimum liability coverage. The prices are based on a clean driving record, no claims, $500 deductibles, married male driver, and no policy discounts are applied.

Honda Accord rates are for example purposes only. To get rates for your specific vehicle, click here.

When to drop comp and collision

There is no exact rule to eliminate comp and collision coverage, but there is a general guideline you can use. If the annual cost of coverage is 10% or more of the vehicle's replacement cost less your deductible, then you may want to consider only buying liability coverage.

For example, let's pretend your Honda Accord replacement cost is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would get paid by your company is $3,000 after the deductible is paid. If you are paying over $300 annually for full coverage, the it may be a good time to stop paying for full coverage.

There are some scenarios where dropping physical damage coverage is not in your best interest. If you have an outstanding loan on your vehicle, you have to maintain full coverage to satisfy the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should not eliminate full coverage.

Cheaper rates with discounts

Some insurers don't always advertise their entire list of discounts in a way that's easy to find, so here is a list some of the best known and the harder-to-find savings tricks you should be using when you buy Fresno car insurance online.Save money with discounts

While discounts sound great, it's important to understand that most discounts do not apply to the entire policy premium. Most cut individual premiums such as collision or personal injury protection. Even though the math looks like all the discounts add up to a free policy, it just doesn't work that way.

A partial list of companies that may include some of the above discounts include:

Before buying, ask each insurance company which discounts can lower your rates. Depending on the company, some discounts may not apply to policies in Fresno. To choose providers that offer discounts in California, click this link.

Can't I get rate quotes from local Fresno car insurance agents?

A lot of people prefer to buy from a licensed agent and that is recommended in a lot of cases Professional insurance agents are trained to spot inefficiencies and help you file claims. A good thing about price shopping on the web is that you can obtain lower car insurance rates but also keep your business local. Buying from local agencies is especially important in Fresno.

Once you complete this short form, the quote information is transmitted to local insurance agents in Fresno that provide free Fresno car insurance quotes for your business. You won't even need to contact an agency because prices are sent immediately to you. If you have a need to compare rates from a specific auto insurance provider, don't hesitate to find their quoting web page and submit a quote form there.

Fresno auto insurance agents are either independent or exclusive

If you are wanting to find a local Fresno insurance agent, it's important to understand the different agency structures and how they work. Fresno agents may be either independent or exclusive. Both provide auto insurance policies, but it is a good idea to know the difference in the companies they write for since it could factor into your selection of an agent.

Independent Agencies or Brokers

Independent agents are not limited to a single company and that enables them to quote your coverage with any number of different companies and get you the best rates possible. If your premiums go up, your policy is moved internally and that require little work on your part.

If you need cheaper auto insurance rates, it's a good idea to include price quotes from at least one independent agent for maximum quote selection.

Shown below are Fresno independent agencies that may be able to give free price quotes.

5722 S Elm Ave - Fresno, CA 93706 - (559) 268-8813 - View Map

6740 N. West Street #108 - Fresno, CA 93711 - (559) 578-3022 - View Map

4005 N Blackstone Ave #101 - Fresno, CA 93726 - (559) 222-4140 - View Map

More insurance agents

Exclusive Insurance Agencies

Exclusive agencies can only provide one company's prices like Farmers Insurance, Allstate, or State Farm. They generally cannot place coverage with different providers so keep that in mind. They receive extensive training on their company's products and that can be a competitive advantage.

Shown below is a list of exclusive insurance agents in Fresno that can give you price quotes.

1750 E Bullard Ave Ste 101 - Fresno, CA 93710 - (559) 432-0656 - View Map

7740 N Fresno St #103 - Fresno, CA 93720 - (559) 435-7500 - View Map

1020 E Perrin Ave #101 - Fresno, CA 93720 - (559) 433-3733 - View Map

More insurance agents

Finding a good car insurance agent is decision based upon more than just a low price. Any agent in Fresno should have no problem answering these questions:

Price influencing factors

Many factors are part of the equation when you get a price on insurance. A few of the factors are predictable such as traffic violations, although some other factors are more obscure such as your credit history or your vehicle rating.

Why you need quality insurance for your vehicle

Even though rates can get expensive, insuring your vehicle serves a purpose in several ways.

The benefits of insuring your vehicle greatly outweigh the cost, particularly when you have a large claim. An average driver in America is wasting up to $800 each year so compare rate quotes at every renewal to ensure rates are inline.

You can lower your car insurance rates

Some companies may not have internet price quotes and usually these smaller companies provide coverage only through local independent agencies. More affordable car insurance in Fresno can be found on the web in addition to many Fresno insurance agents, so compare prices from both in order to have the best chance of saving money.

As you restructure your insurance plan, make sure you don't reduce needed coverages to save money. There are a lot of situations where drivers have reduced liability coverage limits only to regret they didn't have enough coverage. The aim is to find the BEST coverage at the best price while still protecting your assets.

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