Key Points
• -- have the cheapest car insurance in the city according to our sources.
• Jessica Connally on W Franklin St provides the best service in Pacific Grove according to Yelp, Google, and Facebook
Best Car Insurance Brokers and Agencies in Pacific Grove
We compared Yelp, Google, and Facebook to find cheap car insurance in Pacific Grove. According to their reviews, we think they’ll be able to find the best price and offer the best service
 |
 |
 |
|
|---|---|---|---|
| Farmers Insurance – Jessica Connally | 5 / 5 | 4.9 / 5 | 5 / 5 |
| Stuart Dong – State Farm Insurance Agent | 4.7 / 5 | 4.9 / 5 | – |
| Allstate Insurance: Natalie Hungerford | 4.4 / 5 | 4.9 / 5 | 5 / 5 |
The Ultimate Guide to Finding the Cheapest Car Insurance in Pacific Grove
Navigating the car insurance market in Pacific Grove can be quite the adventure. With numerous options and variables, finding the best deal tailored to your specific needs is essential. This comprehensive guide will break down insights from MarketWatch, NerdWallet, and MoneyGeek to help you uncover the most affordable car insurance options in Pacific Grove.
Understanding Car Insurance in Pacific Grove
California's car insurance market is diverse, with rates varying significantly based on factors such as location, driving record, and the type of coverage needed. Here’s an in-depth look at the various aspects of car insurance in California, including the cheapest providers, factors influencing rates, and some personal tips from my own experience.
Cheap Car Insurance Pacific Grove: A Guide To Lowering Your Costs
Cheapest Car Insurance Providers
When it comes to affordability, three names consistently stand out: Mercury, AAA, and Geico.
- Mercury: MarketWatch highlights Mercury as offering some of the most competitive rates in California, with an annual rate of $1,748. NerdWallet also praises Mercury for its affordability, noting it as one of the cheapest options for both minimum and full coverage.
- Geico: For minimum coverage, Geico is spotlighted by MarketWatch with an average annual rate around $390 and $1,837 per year for full coverage.
- AAA: MoneyGeek puts AAA in the spotlight for affordable full coverage, averaging about $906 per year.
Cheapest for Minimum Coverage
For those looking to meet the state's minimum requirements, the following providers offer the most competitive rates:
- Geico: $373 per year
- AAA: $404 per year
- Mercury: Around $505 per year
Factors Influencing Insurance Rates
Insurance rates are not one-size-fits-all. Several variables significantly impact your costs:
- Driving Record: A clean driving record can save you hundreds annually. MoneyGeek mentions that even a single speeding ticket can raise your premium by around 20%.
- Age and Experience: Younger drivers typically pay more. NerdWallet highlights that teen drivers in California pay an average of $5,300 annually for full coverage.
- Location: Urban areas tend to have higher rates. For example, car insurance in Los Angeles can be significantly more expensive than in smaller cities or rural areas. MoneyGeek lists Los Angeles as one of the most expensive cities, with average rates for full coverage around $2,400 annually.
Conclusion
Finding the cheapest car insurance in Pacific Grove, California, requires a bit of research and comparison. By focusing on the top affordable providers like Geico, Mercury, and AAA, and understanding the factors that influence your rates, you can secure the best deal. Always compare multiple quotes and take advantage of available discounts to maximize your savings. Safe driving and happy saving!
If you're looking for affordable car insurance in your city, check out our analysis of some of the largest California cities, including:
How We Rank and Researched
To compile the information for this article we used a team of researchers to assess results based on Yelp, Google, and Facebook and ranked based on the highest ratings and popular local establishments. We also used search engine results to pull and consolidate multiple reviews to ensure we provide an unbiased opinion based on multiple sources
