Which Company Has the Lowest Cost of Car Insurance in Fontana?

Fontana, California had an estimated population of 214,000 as of 2019. Out of this population, 66.3% of residents, aged 16 and over, are employed. Located less than 50 miles from Los Angeles, in the San Bernardino metropolitan area, the average work commute in the area is 33 minutes, around six minutes higher than the national average.

Vehicle insurance rates in Fortana may be higher than in other parts of the state due to the relatively high crime index rate. Although the chances of being a victim of a property crime are 1 in 65 in Fontana compared to a 1 in 42 chance in the state of California; with over 900 vehicle thefts reports last year, the odds are still much higher than the national average, which is 4.27 versus 2.29, respectively.

What Insurance Coverage is Needed for Drivers in Fontana

In the state of California, drivers are required to carry at least the state minimum coverage levels:

  • $15,000 for injury or death of one person in an accident
  • $30,000 for injury or death of more than one person in an accident
  • $5,000 for damage of property
  • $15,000 of coverage for uninsured motorist protection per person
  • $30,000 of coverage for uninsured motorist protection per accident
  • $3,500 in uninsured motorist property damage coverage

The above will meet only the minimum requirements to legally drive in the state, however, minimum coverage is not recommended. In the event of an accident with several injuries or large amounts of property damage, those coverage limits could easily be exceeded, leaving the insured liable for the difference. Drivers are advised to carry as much coverage as they can afford to avoid a large personal financial responsibility in the event of an accident in which they are at fault. Also, keep in mind that the minimum coverage only covers injuries and damages to other people’s person and property, it does not include coverage for your vehicle or property, as comprehensive insurance might.

Most Expensive and Least Expensive Insurance Rates by Zip Code

Cheap Car Insurance in Fontana by Insurer

When you’re choosing car insurance, you might be most concerned about price. Although this is an important factor, it shouldn’t be the only thing you consider. What will get you for your premium? You want an insurance policy that will provide adequate coverage in the event you need to use it. You also want to choose a company that has a positive customer service rating, because when you need insurance, the last thing you want to deal with is poor customer service.

Compare all car insurance company rates near you here.

Low Cost Auto Insurance for Bad Credit in Fontana

The state of California doesn’t allow for an insurer’s credit rating to factor into attaining minimum coverage required to drive a vehicle in the state. However, your credit could factor in if you want extra coverage or additional optional riders. Shopping around for the best rate that meets your needs is always a wise approach. For reference, the cost for the state’s minimum required coverage ranges from $253 to $604 and then you can look at the biggest and most popular insurance companies in the state.

Learn how your credit score determines your car insurance premiums.

Difference Between Liability and Full Coverage

What is Liability-Only?

Liability-only coverage means coverage that only pays for the loss others incur if you are at fault in an automobile accident. These are for the medical expenses, other property damage or car repairs that you cause to another or their property in an accident.

One has the option of paying for more than the state minimum requirements outlined above for liability insurance. That is a good idea because you will be personally liable from your own finances and assets if you harm someone else or their property in an accident and your state minimum coverage levels do not fully reimburse the losses of the other party.

Why You May Want Full Coverage Car Insurance

Full coverage means that you not only have adequate insurance to cover the losses of others if you are at fault in an accident. Full coverage means you have all the liability coverage you need to care for the harm to others if you have an accident and are at fault, and you have coverage for your own losses as well. There are two main kinds of other coverages that drivers purchase in order to repair their vehicles in the event of an accident they cause:

What is Collision Coverage?

Collision insurance covers the cost of repairing your own car if you are in an accident that is your fault. A way to save money on collision insurance is to purchase it with a higher deductible. For example, it will likely be very expensive to have collision coverage on your vehicle with a $500 deductible, but a $1,500 deductible or a $2,000 deductible will save considerable money on your automobile full coverage policy.

What is Comprehensive Coverage?

Comprehensive insurance covers the cost of repairing your vehicle for those things that were not your fault, like extreme weather that damaged your vehicle, or a deer that walked in front of you, theft, or vandalism. Comprehensive insurance tends to be much cheaper than collision. Even those with older vehicles may benefit from carrying comprehensive insurance because it is relatively cheap and will cover things like windshield replacement.

What is the Difference Between the Two Types of Car Insurance?

So, liability-only insurance coverage will pay for what you did to the neighbor’s bumper when you backed into it while rushing to work. It will pay for the hospital visit by a bicyclist you hit who has a broken leg. Liability-only only insurance will pay for the utility panel you hit at the RV resort when you had trouble backing in.

Collision will pay for any damage you did to your own vehicle when you backed into that utility panel at the RV resort. Comprehensive will pay for the damage your vehicle suffered when a tree fell on it in intense rains that weakened the soil.

The difference between liability and full coverage insurance policies is that liability only covers other people and their vehicle if an accident should occur where you are at fault, but, with a full coverage insurance plan, you and your vehicle would also be covered along with other’s and their vehicle as well.

Another difference between the two is that a deductible is associated with full-coverage insurance, but not with liability. There is also a difference in price, where full coverage will cost more than liability insurance.

Average Annual Car Insurance Rates in California by City

Additional cities in California you can check out.


Tips to Get a Cheaper Car Insurance Rate

Save on Your Insurance Policy Rates With These Discounts in Fontana:

  • Avoid Accidents:

    When your record is clear of at-fault accidents, insurers see you as a better financial risk. Thus, your premiums will be lower.

  • Don’t Speed:

    If you have one or more speeding tickets, your insurance rates will be higher. This is because high speeds are associated with accidents, and if you speed you are more likely to be deemed at-fault in an accident.

  • Shop Around:

    There are at least twenty auto insurance companies currently active in Fontana. Their premium rates are spread over a wide range, so be sure to compare prices and make sure you get the best, and most affordable, policy for you.

  • Comprehensive Insurance Packages:

    Insurance companies like when you use them for more than simple auto insurance. Thus, they frequently offer packages that include homeowner’s insurance, or other policies, on the same account. When you opt for one of these comprehensive policies, the company is often able to lower your automobile premium as part of the deal.

  • Multiple Vehicles:

    Similar to purchasing a comprehensive insurance package, combining multiple vehicles on the same policy results in lower premiums. Consider this a bulk purchase for your auto insurance.

  • Military and Student Discounts:

    Sometimes insurance companies have special discounts for certain demographics, like active military or students.

Learn more about car insurance discounts with this guide.

Fontana Car Insurance Premiums Cost – What Affects Your Rates?

Because of the traffic issues in the area, “State” car insurance rates can be quite high based on the area you live in. The risk factors are higher where there is more traffic, so the area is one important factor in your auto insurance rates. As we have seen, other factors that affect your car insurance rate include your age, marital status, how many cars and drivers you have in your household, your driving record, what type of coverage you need, the age and type of your vehicle, the insurance agency, and the average mileage you drive each year. These factors can make huge differences in how much money you have to spend each year on automobile insurance.

Since insurance rates can fluctuate from company to company, it is important that drivers thoroughly educate themselves about automobile insurance and shop around in order to find the very best deal. You literally can save a thousand or more dollars per year by getting quotes from several carriers.

Use our guide to compare car insurance rates with tickets.

Helpful Fontana, California Vehicle Resources:

Live Traffic and Accidents

DMV (Find Locations, Vehicle Registration, Titles and Insurance Info)


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