Insurance Costs in San Francisco

27 Jun

Insurance Costs in San Francisco

No one likes paying for car insurance. That is until you’re rear-ended merging onto a freeway on your way to work. Then it can be your best friend. Car insurance rates increased in 41 states over the past year and a new report says car insurance rates are higher than they’ve ever been and residents in some states pay more than others.

California is one of them, according to the 2019 “State of Auto Insurance” by The Zebra, an insurance search engine and independent source for auto insurance quotes. While the typical American is paying an annual car insurance premium of $1,470, the average Californian pays $1,815. That’s good for a ranking of 9th most expensive in the nation.

What’s behind the higher costs?

Cities generally have higher auto insurance premiums.  If there are more people, there are more people to be on roads at the same time, so the chance of accidents goes up. This chance of accidents can potentially mean more claims, leading to further increases in auto insurance costs for city dwellers.

That San Francisco traffic…

San Francisco has one of the highest population densities in the US, with 6,266 people per square mile – behind only LA and New York. More people means more driving, even in South San Francisco. Even though drivers aren’t driving further than counterparts in other US cities, San Francisco has some of the worst traffic.

Causes of claims

If your car is more at risk of being stolen, this could mean higher premiums. Unfortunately, San Francisco and the surrounding area has one of the highest vehicle theft rates in the US.  In 2016, 640 vehicles were stolen per 100,000 population. Thefts from vehicles in San Francisco also increased significantly during 2017.

There is good news in terms of accidents on San Francisco roads though. Fatal accidents have fallen, while a total number of collisions has remained pretty flat even as the population increases. Nevertheless, insurance companies see having a car in San Francisco as a higher risk.

What can you do get cheaper car insurance in San Francisco?

Not everything about your car insurance rate is determined by where you live, so you can take the following steps to try and keep your rates down without having to move.

  1. Shop around

Shopping around lets you see who will offer you what at what rate, as well as give you a better sense of the kind of coverage you need. You don’t have to do all the legwork yourself, look for services that can provide you with quotes from different providers at the same time. If you’re wondering how to switch car insurance companies don’t worry, it’s more straightforward than you think.

  1. Reduce coverage on older cars

Be smart about what types of car insurance you need. Once your car reaches a certain age or gets enough miles on the clock, the depreciation means having collision or comprehensive insurance isn’t really worth it.

  1. Raise your deductible

There’s a direct relationship between higher premiums and a lower deductible. This makes it a straightforward route to lower auto insurance costs. Keep in mind that if you do get in an accident the money you might have saved from lower premiums would quickly be offset by the higher deductible.

  1. Drive less, drive safe

Your own driving habits do play a part. The less you drive the less time you spend on the road to be in an accident, so you are less of a risk.

  1. Bundle insurance

If you need other types of insurance, such as renter’s insurance or homeowner’s insurance, getting them from the same insurer as your auto insurance could lower costs overall.

Peninsula Auto Body is dedicated to you and focuses on providing the best customer service regarding your auto body needs during what can be a stressful time. Our team strives to make your visit as seamless and hassle-free as possible. For more information about our services and what it means to use a DRP body shop in the South San Francisco area, stop by 1430 San Mateo Ave., S. San Francisco, CA or call us at 650.588.0999 Monday through Friday from 7:30 am-5: 30 pm to speak to our expertly trained staff.

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