Are you irritated from sacrificing other expenses to make your car insurance payment? You are no different than many other California consumers.
It’s a known fact that insurance companies don’t want their policyholders to compare prices. Insureds who shop around for cheaper prices are inclined to buy a different policy because of the good chance of finding better rates. A study showed that consumers who shopped around every year saved approximately $3,500 over four years compared to other drivers who don’t regularly compare prices.
If saving the most money on Toyota Echo insurance is your objective, learning how to shop for insurance rates can help you be more efficient. Since you have so many options for buying affordable insurance for a Toyota Echo in Oakland, it can be impossible to find the right insurer.
Choosing the best rates in Oakland can initially seem challenging. If you are insured now, you will definitely be able to buy cheaper car insurance using the following tips. Smart shoppers just have to learn the most time-saving way to buy car insurance using one simple form.
Getting a more affordable price on Toyota Echo insurance is actually easier than you may think. All you need to do is take a few minutes comparing price quotes from online providers.
Doing online quotes comparisons is so easy that it makes it a waste of time to drive around to and from local Oakland insurance agencies. Comparing Toyota Echo insurance rate quotes online eliminates the need for an insurance agent unless you have a need for the professional guidance of a local agency. Although, it is possible get prices online but still have the advice of a local agent.
The following companies have been selected to offer quotes in Oakland, CA. To find cheap car insurance in Oakland, CA, we recommend you visit two to three different companies to get the lowest price.
Auto insurance is unique, just like you
When it comes to proper insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Your financial needs are unique.
For instance, these questions might help in determining whether or not you could use an agent’s help.
- If my car is totaled with they pay enough to replace it?
- Why are teen drivers so expensive to add on to my policy?
- Do I pay less for low miles?
- Do I have ACV or replacement cost coverage?
- Are my friends covered when driving my car?
- Are there companies who specialize in insuring high-risk drivers?
- Is my dog or cat covered if injured in an accident?
- Does car insurance cover theft of personal property?
- What can I do if my company won’t pay a claim?
If you can’t answer these questions then you might want to talk to a licensed agent. If you don’t have a local agent, take a second and complete this form. It is quick, free and can provide invaluable advice.
Compare prices but buy from a local neighborhood Oakland car insurance agent
Some people would prefer to talk to a local agent and we recommend doing that Good insurance agents are very good at helping people manage risk and help you file claims. An additional benefit of getting free rate quotes online is that you can obtain better rates but also keep your business local.
After filling out this form (opens in new window), your coverage information is emailed to participating agents in Oakland that provide free Oakland car insurance quotes for your auto insurance coverage. It’s much easier because you don’t need to find an agent on your own due to the fact that quote results will go to you. If for some reason you want to quote rates from a specific company, feel free to jump over to their website and fill out the quote form the provide.
Choosing the best insurer should depend on more than just the bottom line cost. Agents should be asked these questions:
- What will you get paid if your car is a total loss? How is that amount determined?
- Can they help ensure a fair claim settlement?
- Does the agency support the community they serve?
- Will the agent help in case of a claim?
- Do they see any coverage gaps in your plan?
- Is insurance their full-time profession?
- When do they do a full risk review?
If you want to buy auto insurance from a local agent, it’s helpful to know the types of insurance agents that you can choose from. Auto insurance policy providers can be categorized as either exclusive agents or independent agents. Either type can insure your vehicles properly, but it is a good idea to know the differences since it can affect the kind of agent you use.
Exclusive Auto Insurance Agencies
Exclusive agencies can only provide pricing for a single company like Allstate, State Farm and Farm Bureau. Exclusive agents cannot place coverage with different providers so they have no alternatives for high prices. Exclusive insurance agents are well schooled on their products and sales techniques and that can be a competitive advantage.
The following is a list of exclusive agents in Oakland who may provide you with price quote information.
Rich Kirchner – State Farm Insurance Agent
5736 Thornhill Dr Ste 101 – Oakland, CA 94611 – (510) 339-9340 – View Map
Stephanie Canessa – State Farm Insurance Agent
6228 Merced Ave – Oakland, CA 94611 – (510) 339-4444 – View Map
Farmers Insurance – Margarita Rodriguez
3028 International Blvd – Oakland, CA 94601 – (510) 532-8426 – View Map
Independent Agents
Independent agents are not limited to a single company and that enables them to quote your coverage through many different auto insurance companies enabling the ability to shop coverage around. If prices rise, they simply move the coverage in-house and the insured can keep the same agent.
When comparing rate quotes, you should always get quotes from several independent agencies for maximum quote selection.
The following is a list of independent insurance agencies in Oakland that can give you rate quotes.
Susan Bernosky – Strahan Ins Services Inc
5940 College Ave a – Oakland, CA 94618 – (510) 450-9051 – View Map
Cook Disharoon and Greathouse Insurance Brokers
1942 Embarcadero – Oakland, CA 94606 – (510) 437-1900 – View Map
JCB Insurance Services
6427 Westover Dr – Oakland, CA 94611 – (510) 336-3490 – View Map
Once you have received satisfactory answers as well as a affordable price, you have narrowed it down to a car insurance agent that can be trusted to provide auto insurance coverage.
What is the best car insurance company in Oakland?
Buying coverage from a high-quality insurance company can be a challenge considering how many companies provide coverage in Oakland. The ranking data shown next could help you decide which companies to look at when comparing rate quotes.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies