Finding the best Fresno car insurance policy for you is just a matter of knowing where to look. Use our free Fresno car insurance quote comparison tool to see which company can offer you the best rates in a matter of minutes. Shopping for car insurance in Fresno has never been easier!

Finding Low Fresno Car Insurance Rates

In 2005, the average annual car insurance premium in California was around $969, which made CA the number 17 state for states with the highest average auto insurance premiums.

Even though this may seem like bad news to Fresno residents who are trying to find low Fresno car insurance rates, there are things that you can do to help your car insurance coverage fit within your budget.

Understanding your Fresno auto insurance rates can go along way to helping you lower your premiums. One thing to remember when purchasing car insurance in Fresno is that in the state of California, car insurance companies can determine your rates using whatever factors they choose. Car insurance companies will look at risk factors such as your:

• Age
• Gender
• Location
• Vehicle
• Credit score
• Claims History
• Driving Record

These are just some of the main factors that most car insurance companies will consider to determine your rates.  The odds that any two car insurance companies will determine rates in exactly the same way is slim, so shopping around and comparing quotes before you buy is the only way to make sure you are getting the best deal on auto insurance in Fresno.

Remember, no one car insurance company is the best choice for everyone. Take a minute to shop around now by using our free Fresno auto insurance quote finder!

Choosing A Fresno Car Insurance Policy

Choosing the right amount of coverage for your policy may sound tricky. A good place to start is with the CA state minimum auto insurance requirements that every policy must meet which are as follows:

• $15,000 bodily injury liability per person
• $30,000 bodily injury liability per accident
• $5,000 property damage liability

Since California is a no fault state, whenever a car accident occurs, someone must be found to be at fault for the accident and that person and his/her insurance company are then responsible for all damages associated with the accident.

The bodily injury liability coverage will cover medical expenses of the other driver and passengers in an accident where you are at fault, and the property damage liability coverage will cover damages to the other driver’s property in an accident where you are at fault. Make sure that the minimum amounts of coverage will be sufficient for you or consider purchasing additional amounts of coverage.

Since none of the required coverage will cover your medical expenses or damages to your own vehicle, you may want to consider adding collision and comprehensive coverage to your policy to cover damages to your car, and personal injury protection to cover you and your passenger’s medical expenses.

You may also want to consider adding uninsured/underinsured motorists coverage to your policy which will provide coverage if you are in an accident where the driver who is found to be at fault does not have insurance or is underinsured.

Compare your Fresno car insurance coverage options now by using our free Fresno car insurance quote finder.

California Automobile Assigned Risk Plan

If you can’t obtain auto insurance because you are considered a high risk driver, you are still required to have an auto insurance policy. This is why California has the California Automobile Assigned Risk Plan.

The CAARP is not an insurance company. It is a service center that will put you in touch with a California auto insurance company that will insure you.

The CAARP is designed to proportionately assign drivers who apply for the plan to insurance companies in California based on the amount of policies that company writes in California.

Find The Fresno, CA Car Insurance Quotes You Need!

Finding the right Fresno, CA auto insurance policy for you can be easy when you use our free Fresno auto insurance quote finder.

Compare multiple Fresno car insurance quotes from top car insurance companies now and find the policy you need today!