Residents in Vallejo, California should consider themselves lucky for many reasons. A beautiful climate and no shortage of things to do, from amusement parks to marinas, make Vallejo a pretty cool place to live. Not only that, but residents of Vallejo also pay a moderate price for their insurance, with annual auto and home premiums close to national averages.
The reasonable rates of Vallejo insurance is somewhat surprising considering that insurance rates are calculated based on risk factors, and there are a number of risks in California that could potentially drive up insurance rates. For example, earthquakes, landslides, and fires are not uncommon in California, yet home insurance rates average $676 a year, $20 below the national average of $696. Auto insurance rates are about $800 a year on average, despite the fact that California ranks second in auto fatalities.
Vallejo Insurance Quotes --What You Need to Know
When shopping for insurance in Vallejo, you'll want to keep in mind some of things that make California unique to ensure adequate coverage on your home and vehicle. A few of things you shouldn't overlook include:
- High risk areas. Wildfires, earthquakes, and landslides in California have been the subject of national news numerous times. If you live in a high risk area in Vallejo where there is potential for some of these natural disasters, make sure your home and its contents are adequately covered. Purchasing additional earthquake coverage is also something to consider.
- Renters insurance. 34% of Vallejo residents are renters; that's why it's important to consider renters insurance when shopping around for Vallejo insurance quotes. It's relatively inexpensive, typically under $150 annually, and will cover your belongings in the event your property is damaged or stolen.
- Auto coverage. California auto insurance coverage does not require Uninsured/Underinsured coverage. However, with uninsured driver rates in California a staggering 25% in 2007, you should include it when shopping for Vallejo insurance to ensure accurate coverage if you are hit by someone who is uninsured.
Where to Find Vallejo Insurance Quotes
Even though insurance in California is reasonable, shopping around and comparing quotes is smart if you want to save money. NetQuote.com offers free Vallejo insurance quotes in seconds. This comprehensive site will also tell you everything you need to know about California insurance, so you can be confident knowing you are adequately covered at the best price.