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TGS Insurance  »  Auto Insurance  »  Fresno

Fresno Car Insurance

Fresno, Texas, is home to 24,486 Texans as of 2020, according to the US Census. This is a 28.41% increase from 2010. With the growing population leading to increasingly congested roads and almost a 36-minute daily commute time, keeping safe on the roads is essential. Texas requires Fresno car insurance, but understanding your policy and ensuring you have adequate coverage is a personal responsibility that protects you and your assets financially.

Fresno Auto Insurance: The Basics

Drivers in Fresno spend an average of 3 hours each work week behind the wheel of their vehicle for commuting purposes alone. With so much reliance on personal vehicles in the city, it’s crucial to ensure you have proper car coverage so that you are covered in the event of an accident. In Texas, you are required to carry liability auto insurance with 30/60/25 minimum coverage limits. Liability insurance only provides financial assistance to pay for damages or injuries to other vehicles or other drivers in an accident that you cause. If you carry only liability insurance, any repairs to your vehicle will come out of pocket for you. Carrying only liability insurance, especially at the minimum coverage limits, is a considerable financial risk; because of this risk, less than 0.20% of auto policies that we write in Texas are for minimum liability only. For drivers seeking coverage that provides financial protection should anything happen to their own vehicle, regardless of fault, collision and comprehensive coverages can be added. Other popular optional coverages include:

  • Uninsured and underinsured motorist coverage
  • Medical payments coverage
  • Personal injury protection (PIP)
  • Rental reimbursement coverage
  • New car replacement coverage
Talking with your agent is the best way to find the ideal mix of coverage and coverage limits for your policy to ensure that you are adequately insured!

How Much Does Fresno Car Insurance Cost?

The average cost for full coverage auto insurance in Fresno is $1,089.39 among TGS Insurance Agency customers. Car insurance rates differ considerably due to several constituents, based on you, your vehicle, and your location, among many other things. These factors include, but are not limited to:

  • Age
  • Car make and model
  • High-risk violations
  • Yearly mileage
  • Credit history
  • Driving record
  • Zip code
  • Marital status
  • Gender
Some factors that affect your rates are entirely in your control, such as your driving record or credit history. Other factors, like your age and the population of Fresno, are not.

How Does Location in Fresno Affect My Car Insurance Rates?

Location is a significant facet in calculating your auto insurance rates in Fresno. For example, if you live in an area with a higher population density, insurers see you as having a higher risk of getting in an accident since there are more cars on the road; consequently, you will see a higher premium than someone living in a less populated area. Insurance companies will also look at the number of uninsured motorists in your area- the higher that number is, the higher your premium will be. If you are looking for ways to reduce your premium, park your car in a garage or covered area versus the street. These are just a few examples of how your location plays into your car insurance premium. Below are the average annual premiums for zip codes in the Fresno area for reference:

Compare Fresno Car Insurance Premiums by Carrier

The price is often the most influential factor when considering a car insurance policy. Because each carrier sets their rates, sometimes the same coverage can vary in price among different carriers. Two of our most popular carriers in Fresno are Progressive and Travelers. Auto insurance quotes from TGS Insurance for Progressive average $978.68 annually. Auto insurance quotes for Travelers run a bit more expensive at $1,062.80 per year. When it comes to picking the right insurance carrier, there are many factors involved. You want to make sure the carrier you choose is right for you. Here are some questions to ask yourself when picking a carrier.

  • What is the company’s history and reputation?
  • Do they offer the coverage I am looking for?
  • What is their price for the coverage I want?
  • Is it easy and convenient to work with them?
  • Are there discounts available?
  • Have you heard anything about the company?
At TGS, we work with over 35 ‘A-rated’ carriers to help you make the right decision on your auto insurance. Use these questions and call one of our agents to find the right fit for you.

Finding Affordable Fresno Auto Insurance Is Easier Than You Think.

Looking for car insurance can be tedious, boring, and overwhelming… you name it, we’ve heard it. And we agree! That’s why TGS Insurance Agency is dedicated to doing the heavy lifting for you. We can provide you with your initial quote within 15 seconds with just your name and address. From there, if you would like to customize your policy, any of our dedicated independent agents are ready to work for you to create a policy that covers everything you need. We shop. You Save. Yes, it really is that easy.

Disclaimer

Every driver is unique. Insurance premium costs are impacted by several factors; therefore, we recommend obtaining an individualized quote to find your rates. Our data is representative of quality, publicly sourced, and internal data, but should not be deciphered as bindable.