Want to know how to find lower-priced car insurance rates in Oakland, CA? Oakland shoppers have a choice when shopping for low-cost car insurance. They can either waste time contacting agents to get rate comparisons or use the internet to make rate comparisons.
There is a right way and a wrong way to compare car insurance rates and we'll show you the quickest way to get price quotes for a new or used and find the best price possible.
Smart consumers take time to do price comparisons once or twice a year because insurance rates are rarely the same from one policy term to another. Even if you got the lowest rate on car insurance a few years ago you may be paying too much now. You can find a lot of information about car insurance online, but we're going to give you some great ideas on how to lower your car insurance premiums.
If you already have coverage or are looking for a new policy, take advantage of these tips to reduce the price you pay while maintaining coverages. Our objective is to teach you the most effective way to quote insurance and also pocket some savings Consumers just have to use the quickest way to get comparison rates from many different companies online.
The quickest method to compare insurance rates in your area is to take advantage of the fact auto insurance companies participate in a system to compare rate quotes. The only thing you need to do is give them some information like any included safety features, how much you drive, if you have a valid license, and whether your vehicle is owned or leased. That rating information is submitted instantly to multiple companies and they provide comparison quotes within a short period of time.
To check car insurance prices now, click here and enter your coverage details.
The companies shown below are our best choices to provide free rate quotes in California. To locate the best auto insurance in Oakland, we recommend you visit several of them to get the best price comparison.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Colorado LT 4WD||$1,138||$569||$95|
|Chevrolet Equinox LT 2WD||$1,396||$698||$116|
|Chevrolet Silverado LS Regular Cab 2WD||$1,294||$647||$108|
|Dodge Ram Crew Cab TRX 2WD||$1,710||$855||$143|
|Ford Escape Limited 2WD||$1,052||$526||$88|
|Ford Explorer Eddie Bauer 4WD||$1,200||$600||$100|
|Ford F-150 Lariat Crew Cab Harley 4WD||$1,476||$738||$123|
|Ford Focus SEL 4-Dr Sedan||$1,590||$795||$133|
|Ford Fusion S 4-Dr Sedan||$1,234||$617||$103|
|GMC Sierra SLT Crew Cab 2WD||$1,648||$824||$137|
|Honda Accord LX 4-Dr Sedan||$986||$493||$82|
|Honda CR-V LX 2WD||$1,228||$614||$102|
|Honda Civic Hybrid 4-Dr Sedan||$1,648||$824||$137|
|Hyundai Elantra SE Touring Station Wagon||$1,464||$732||$122|
|Kia Optima EX||$1,334||$667||$111|
|Nissan Altima Hybrid 4-Dr Sedan||$1,830||$915||$153|
|Toyota Camry LE||$1,322||$661||$110|
|Toyota Corolla S||$1,620||$810||$135|
|Volkswagen Jetta SE 4-Dr Sedan||$1,406||$703||$117|
|Get Your Own Custom Quote Go|
Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Prices do not factor in specific location which can lower or raise insurance rates significantly.
Liability-only versus full coverage
The chart below shows the comparison of Ford F-150 insurance costs with and without full coverage. The information is based on a clean driving record, no claims, $1,000 deductibles, single male driver, and no discounts are taken into consideration.
Ford F-150 rates are for example purposes only. To get rates for your specific vehicle, click here.
Are you wasting money on full coverage?
There is no set guideline that is best for determining when to drop full coverage, but there is a general school of thought. If the annual cost of having full coverage is more than about 10% of any settlement you would receive from your insurance company, then you may need to consider dropping full coverage.
For example, let's say your Ford F-150 settlement value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would get paid by your company is $8,000 after the deductible is paid. If you are currently paying more than $800 annually to have full coverage, then you might want to think about dropping full coverage.
There are some circumstances where dropping physical damage coverage is not advised. If you still owe a portion of the original loan, you have to keep full coverage in order to satisfy the requirements of the loan. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should not eliminate full coverage.
Should you raise deductibles?
The chart below illustrates how choosing a deductible and can increase or decrease Honda Civic insurance rates for different ages of insureds. The premium estimates are based on a married female driver, comp and collision included, and no other discounts are factored in.
Honda Civic rates are for example purposes only. To get rates for your specific vehicle, click here.
Rate increases following a ticket or accident
The example below highlights how traffic violations and at-fault fender-benders raise Toyota Camry insurance costs for each different age group. The premium estimates are based on a single male driver, comp and collision included, $250 deductibles, and no discounts are applied.
Toyota Camry rates are for example purposes only. To get rates for your specific vehicle, click here.
Get rate quotes but work with a local neighborhood Oakland car insurance agent
A small number of people still prefer to sit down and talk to an agent and that is OK! Professional agents can point out coverage gaps and will help you if you have claims. One of the benefits of getting free rate quotes online is you may find better rates and still have an agent to talk to. Buying insurance from neighborhood insurance agencies is important especially in Oakland.
To help locate an agent, after submitting this quick form, your insurance data is sent to agents in your area who will give competitive quotes for your auto insurance coverage. It's much easier because you don't need to contact any insurance agencies because prices are sent directly to you. If you want to get a rate quote from a particular provider, you can always jump over to their website and give them your coverage information.
If you would like to find a good insurance agency, there are two different agency structures and how they are slightly different. Auto insurance agencies can be categorized as either exclusive or independent (non-exclusive). Both do a good job, but it's a good idea to understand how they are different since it may influence which agent you choose.
Independent Auto Insurance Agents
Independent agencies do not sell for just one brand and that allows them to write policies with an assortment of companies depending on which coverage is best. To move your coverage to a new company, your agent can just switch to a different company and you don't have to find a new agent. If you are trying to find cheaper rates, you definitely need to compare prices from several independent insurance agents to ensure the widest selection of prices. Many independent agencies also insure through lesser-known insurance companies that may provide cheaper auto insurance rates.
Listed below are Oakland independent agents that may be able to give you free auto insurance rate quotes.
- Cook Disharoon and Greathouse Insurance Brokers
1942 Embarcadero - Oakland, CA 94606 - (510) 437-1900 - View Map
- Susan Bernosky - Strahan Ins Services Inc
5940 College Ave a - Oakland, CA 94618 - (510) 450-9051 - View Map
- Western-Southern Life Insurance Co
80 Swan Way # 102 - Oakland, CA 94621 - (510) 877-4119 - View Map
Exclusive Auto Insurance Agents
Exclusive agencies normally can only provide a single company's rates like State Farm, Allstate, or Farmers Insurance. Exclusive agents cannot provide rate quotes from other companies so they have to upsell other benefits. Exclusive agencies are well trained on what they offer which helps them sell insurance even at higher premiums. Some people will only buy from exclusive agents mostly because of the prominence of the brand rather than having low rates.
Listed below is a list of exclusive insurance agencies in Oakland that can give you comparison quotes.
- Allstate Insurance: Amy Cheok
180 2nd St #1 - Oakland, CA 94607 - (510) 338-3570 - View Map
- Kristen Law - State Farm Insurance Agent
3940 High St c - Oakland, CA 94619 - (510) 530-3200 - View Map
- Ken Bullock - State Farm Insurance Agent
4490 Piedmont Ave - Oakland, CA 94611 - (510) 658-9616 - View Map
Choosing the best insurance agent requires you to look at more than just a cheap quote. A good agent in Oakland will have answers to these questions.
- Is the agent properly licensed in California?
- Are they able to influence company decisions when a claim is filed?
- In the event of vehicle damage, can you pick the collision repair facility?
- How many companies do they write for?
- Will the agent or a CSR service your policy?