Santa Rosa, California is an epicurean's paradise. From delightful local wineries and farms to exquisite local spas, Santa Rosa provides pleasures for every part of the human palate. Whether you are a nature lover who whiles away the days fishing on the Santa Rosa Creek, a shopkeeper in Montgomery Village, or a teacher at West Junior College, you may need help sourcing quality Santa Rosa insurance quotes. This is where NetQuote can assist. We can provide multiple Santa Rosa insurance options for you and help you compare and analyze them.
Don't be Driven Crazy by Santa Rosa Insurance Options
Whether you spend your days shuttling along State Route 12 delivering locally produced fruits and wine to merchants or you traverse the 101 on your way to and from a tech job near San Francisco, chances are that you need help parsing Santa Rosa insurance choices for your auto or truck. According to 2007 estimates compiled by the National Association of Insurance Commissioners (NAIC), Californians spent an average of $800 for auto insurance premiums --just $5 more than the average U.S. citizen spent ($795). Californians spent $465 for liability, $372 for collision, and $112 for comprehensive. California's minimum auto liability requirements are quite modest by national standards. You need bodily injury (BI) protection of $30,000 minimum per accident and $15,000 minimum per person as well as property damage (PD) coverage of just $5,000. To get your car insurance rates down, ask for a higher deductible. A deductible is what you must pay before your coverage kicks in. By opting for a higher deductible, you reduce risk for insurers and thus qualify for lower premiums. Other strategies to consider: taking a defensive drivers course, getting a good driver or good student discount, boosting your credit score, and cleaning up your DMV record.
Modest Santa Rosa Insurance Quotes are Out There for Homeowners
According to the US Geological Survey (USGS), within the next 20 years, the city has a one out of five chance of being slammed by an earthquake measuring 6.7 or greater on the Richter scale. Insurers take notice of things like this, and they can jack-up rates for homeowners accordingly. To top it off, Californians already pay an average of $925 --more than $100 more than the average US homeowner, who pays $822, according to a 2007 survey compiled by the National Association of Insurance Commissioners (NAIC). Although Santa Rosa boasts relatively mild weather --dry summers and some rainfall during the winter --the city does stride the Hayward-Rodgers Creek Fault System. Fortunately, you can shop around for quotes, plan new construction to limit your liabilities, pay off your mortgage and install security systems to get rates down.
Don't Whine about Insurance --Do Something about It!
Santa Rosa is an iconic California wine town. And while epicureans and hedonists of all stripes flock here, living the fun life over the long term requires understanding and mitigating against risk. NetQuote can help you with your Santa Rosa insurance needs. Here is how our system works. Fill out a free online questionnaire and get back five or more quotes from 100+ top US insurers. Then compare these quotes against one another. It's that simple. NetQuote is fast and free to use. We also provide lots of free one-of-a-kind articles to help you parse options and explore cool ways to save and simplify the process.