If you are a driver hoping for inexpensive car insurance San Francisco is definitely not the ideal place to look as rates are generally high across the city. However, this does not mean that things are hopeless. There are a few providers that do offer low premiums. It used to be difficult to find these bargains but now with Californiacarinsurancerates.org and our search tool, you can uncover what you need in a snap.
See Average Car Insurance Rates in San Francisco = Get Free Quotes — Save Up to $815 a Year!
Few cities are livelier than SF and so it is no surprise that a fair amount of people would choose to settle here. When it comes to auto insurance, though, the picture is not as rosy. It is true that locals could pay as low as $1,191 annually but some at the other extreme may have to contend with $3,101 in premiums. The average works out just shy of two grand which is considerably more than the state’s $1,415.
Factors which Shape Car Insurance San Francisco
The final amount of an insurance premium is the result of multiple factors. Vehicle owners may be deemed high risk in one aspect and low risk on others. Those who appear responsible and safe can look forward to cheap car insurance in San Francisco. Among the considerations are:
- Location — Where do you drive? How are the roads around your house and place of work? Are the streets often crowded? Do drivers tend to jostle each other for precious road space? All these things are important when determining a fair value for vehicle insurance. Providers will ask more from those living in crowded cities as these areas pose more hazards. Alas, SF is one of the most densely populated urban centers with 805,340 residents crammed into 46.7 square miles of space — that is 17,247 people for every sq mi.
- Driving to Work — What time do you drive? Nobody likes commuting during the morning rush as the roads are filled to the brim and the traffic is slow-moving. Sadly, most office workers are tied to this schedule. Their auto insurance premiums suffer as well because this period is prone to accidents. There were 4.8 fatalities per 100,000 in the city during 2009 compared to 5.5 for California. People who can come to work outside peak hours are likely to be given discounts.
- Auto Thefts — How safe is your car? Is the make and model in the list of top stolen vehicles? Is it equipped with trackers, locks and alarms? Owners who go the extra mile to ensure the safety of their cars are often rewarded with rate cuts while those who do nothing despite their risk are likely to pay higher. There were 4,174 reported cases of car theft throughout the city in 2011.
- Education — Are you a responsible driver? Do you pay your bills on time? College graduates are known to be reliable insurance clients and so they may be given discounts for this pattern of behavior. A very impressive 28.6% of SF has a bachelor’s degree whereas the rest of the state is only at 17.1%.
Save more on your auto insurance by using our search tool so you can set aside money for other household expenses. Take a crack at it today and see for yourself how easy it is to use. Also, pass along the good news to friends and family in Sacramento, Los Angeles, or Oakland!