Weather Any Disasters with Santa Barbara Insurance Quotes

Flanked by three mountain ranges and the Pacific Ocean and blessed with a cool Mediterranean-like climate, Santa Barbara promotes itself as "the American Riviera." But like many areas of California, the city is occasionally threatened by wild fires and by flooding from heavy rains. Shopping around for Santa Barbara insurance is the best way to get the financial protection that you need.

Comparison Shopping for Santa Barbara Insurance Quotes

It's easy to spot celebrities in Santa Barbara since so many well known actors, singers and television personalities have at one time or another made their homes there. It can be more difficult to spot the differences in insurance coverages in various policies, so read any policies you're considering carefully to make sure you understand exactly what coverages are included.

Did you know, for example, that standard Santa Barbara insurance policies for homeowners do not cover damage caused by flooding or earthquakes? If you want that protection, you'll have to buy additional coverage and pay additional premiums. Even problems that you might think are covered-like sewer backups or damages resulting from a sump pump backup-usually require additional policy riders.

There are many factors that go into setting the rates for homeowner's insurance including the age of a home and its construction. Even when all those factors are the same, the cost of a policy can vary widely from insurer to insurer. A $300,000 homeowner's policy for a new home in downtown Santa Barbara can run anywhere from $377 to $1125, according to figures compiled by the California Department of Insurance. A seven to 15-year-old home, by comparison, could run from $485 to $1220 for similar coverage.

There are two general types of auto insurance policies in California. A basic liability policy includes only the coverages required by state law: $15,000 per person/$30,000 per accident bodily injury liability and $5,000 in property damage liability. Standard coverage policies, on the other hand, have higher liability limits, as well as comprehensive, collision, insured and uninsured motorist coverages plus medical payments and rental car reimbursement.

The Santa Barbara insurance quotes that you get for your automobile will depend on your age, your marital status, your driving record and the number of miles you travel each year. A married couple with a clean driving who drive 9,000 to 16,000 miles each year could expect to pay anywhere from $1500 to $4400 per year. If the couple each have a driving violation, the rates rise, ranging from $1,700 to more than $5,300, according to the California Department of Insurance survey.

The Fast Way to Shop Around for Santa Barbara Insurance

You can see from the examples above that shopping around for Santa Barbara insurance quotes can save you hundreds of dollars on your insurance premium costs. But nobody enjoys spending hours calling different agents and filling out a new form for each one. So does the legwork for you. Just answer one questionnaire for homeowner's or auto insurance, submit it to NetQuote and you'll receive quotes from at least five of the top insurers in the Santa Barbara area. is the fast and easy way for you to get quotes and compare insurance policies. You'll find the insurance coverages you need and end up with plenty of time to enjoy the scenery and the climate of the American Riviera.