Finding Auto Insurance in Fresno

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Here's what you need to know...

  • Freso follows California law for auto insurance, though residents can make a $35,000 deposit instead of buying a standard auto insurance policy, if they choose
  • The state-required minimum insurance limits are quite low in California, so many residents purchase increased coverage
  • Comparing rates online is a good way to see prices and options of competing insurers side by side

Fresno residents need to be mindful of the car insurance available in their area.  Currently, Fresno is the fifth largest city in California, with a population over 500,000.

You can compare car insurance quotes for FREE with our comparison tool at the top of this page! Simply enter your ZIP code.

In order to support this growth, revitalization efforts are underway for the downtown area. Plans for this expansion will include more living space and entertainment options for residents and tourists.

Learning More About Fresno

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Downtown Fresno is known for its economic activities; outlying areas of Fresno support the agricultural industry. A mix of country charm and innovation, Fresno is expected to continue growing and attracting more residents.

Of course, this is good for any major city looking for ways to create more economic development. Support from the business community brings economic activity to the city, in return creating healthy, vibrant neighborhoods. However, as the economy grows, so does the traffic.

While navigating city streets and country roads, having adequate California car insurance coverage is a must.

Having the right car insurance will give residents peace of mind and keep them in compliance with state laws. Our free comparison tool can find you the coverage you need!

Providing cheap car insurance quotes for free is the focus of our website. Our free comparison tool eliminates the extra work of researching specific policy details for consumers.

By simply entering a zip code and a few personal details, residents in Fresno can access premium rates for all types of car insurance and policy options.

Fresno Car Insurance Requirements

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Fresno requirements are in line with the requirements of the state of California. Residents are expected to establish financial responsibility for the privilege of driving in the city.

Generally, there are four basic ways residents can fulfill minimum requirements in Fresno.

  • Make a $35,000 cash deposit
  • Obtain a certificate of self-insurance
  • Obtain a $35,000 surety bond
  • Purchase liability car insurance

Fresno drivers can make a $35,000 cash deposit with the California Department of Motor Vehicles (CA DMV). Essentially, this money is paid to the DMV and used if a driver is involved in a traffic accident.

The certificate of self-insurance is a generally used by a driver who owns more than 25 vehicles in California. CA DMV has received proof that the driver is financially capable of paying judgments related to physical injury or property damage.

An auto insurance bond is a prepayment deposit to cover the cost of physical and/or property damages. A surety bond is similar to the certificate of self-insurance but does not require the driver owning more than 25 vehicles.

Another difference is the specific dollar amount, not simply a demonstration of assets.

The average Fresno driver often chooses to purchase liability car insurance.

The minimum car insurance requirements in Fresno are:

  • $15,000 per accident for an injury or death of one person
  • $30,000 per accident for an injury or death to more than one person
  • $5,000 per accident to cover property damage

Shopping around for a suitable policy will help residents find the best deals on car insurance. Compared to other states, California’s minimum liability requirements are low. Therefore, most drivers may choose to purchase more coverage while adding additional coverage options.

The California DMV maintains car insurance records electronically. Insurance providers must report coverage information to the state, specifically whether drivers meet the minimum requirements for state car insurance.

Updates such as policy changes, cancellations, and coverage lapses are also part of the electronic database.

Car Insurance Coverage

Any vehicle driven on Fresno streets and highways must have liability car insurance. Residents in Fresno are subject to state penalties for failing to maintain minimum coverage requirements.

These penalties include the suspension of your vehicle registration for any of the following reasons:

  • Not replacing a liability insurance policy within 45 days of cancellation
  • The insurance company failing to electronically report coverage within 30 days of receiving the registration
  • Falsifying evidence of insurance coverage

Drivers can also receive a $1,000 traffic ticket for not providing proof of financial responsibility to law enforcement. Additional penalties include vehicle impoundment and other fines.

Further, without proper car insurance coverage, drivers are personally responsible for accident-related damages.

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Insurance Laws

Auto insurance laws are based on state regulations, known as Vehicle Financial Responsibility and Suspension Laws. The focus of the regulations is to ensure that drivers are financially responsible for bodily injury or damages on California roads.

These laws also require licensed companies that sell car insurance to Fresno residents to report coverage information to the DMV. The law exempts vehicles used for commercial or business purposes.

Car Insurance Companies Found in Fresno

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Many of the best companies for car insurance are licensed to do business in the state of California. Residents can benefit from comparison shopping with our free zip code search to find affordable policy coverage.

Each insurance company offers the state minimum car liability insurance. These companies also have other policy options. Using our insurance quote comparison tool is the best way to narrow options.

This is a less time-consuming way for residents to review different options at one time.

State Farm offers car liability insurance policies. Additionally, State Farm recognizes domestic partnerships in California for the purpose of coverage rates. Fresno residents have to select married on the application.

Drive Insurance is part of Progressive Insurance and available for Fresno residents who prefer to use an independent insurance broker or agent.

Agencies in Fresno

There is no shortage of Fresno auto insurance agencies for residents who want to explore options. The list below represents five agencies licensed to sell car insurance in the city:

  • Barlocker Insurance Services
  • Jerry Baird Insurance Agency
  • Thompson Insurance Agency, Inc
  • Valley Regional Insurance Services
  • Hallmark Insurance Associates, Inc

Average Rates

The average city car insurance rates for Fresno residents was above the national average. For liability car insurance, the average annual rate was $1,461 for Fresno residents; nationally, drivers paid $1,414.

The annual premium in Fresno is also slightly higher than the county average car insurance cost of $1,245.

Statistics for Insurance in Fresno

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Generally, driving conditions in Fresno are subject to the weather, construction or major city events. Residents can plan for construction and events in advance. Bad weather can create hazardous road conditions even in modest traffic.

An expanded infrastructure can lead to extensive driving times for residents. More time spent on the road could increase the possibility of being involved in a car accident.

Drivers in Fresno or anywhere in the state of California must carry car liability insurance whether driving for five minutes or five hours.

In 2013, there were 24 fatal car accidents in which 25 people died.

One is too many if an accident can be avoided. While traffic accidents are unpredictable, adequate car insurance is something you with which you can be prepared.

No one can buy car insurance after the fact. It is important to find the right policy at the right time – before an accident occurs.

Stolen cars also contribute to car insurance premiums. Nearly 5,000 cars were stolen in Fresno in 2010. This is another startling statistic that supports the recommendation to have comprehensive insurance.

Car Insurance Quotes in Fresno

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If Fresno residents want fast, easy quotes, online comparison with our free zip code search is the way to go. Shopping for Fresno car insurance requires comparing rates from different insurance companies.

Residents will get a combination of price, options and service in one location with our free comparison tool.

Our online comparison site allows residents to enter their zip code and customize their preferences for Fresno car insurance and find monthly costs.

Based on the information residents provide, our search tool makes suggestions for insurance companies. These will typically offer what residents are looking for in an insurance policy. Our comparison tool allows you to look at several different companies at once.

When comparing Fresno auto insurance quotes, residents should look at similar coverage limits. The lowest rate does not always equal the best coverage. In some cases, residents can pay slightly more with one company and receive much more coverage.

Find the car insurance coverage that you are looking for with our FREE ZIP code search below!

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