Car Insurance in Contra Costa County: How to Pick the Right One

Contra Costa County is a region east of the San Francisco Bay area, with a population of over a million. The region is bound to be popular in an ideal area with such a vast population. With such popularity, traffic problems and road accidents are almost inevitable. Even though the crime rates in Contra Costa County have reduced (including car theft reports), as a car owner, you need to be sure and ensure enough protection for your vehicle and third parties involved. Let’s explore the world of car insurance in Contra Costa County.

The average cost of car insurance in Contra Costa County is among the cheapest in California. Minimum liability insurance costs as low as $1 per day, up to $365 annually. Read on to learn more about car insurance in Contra Costa County.

As a responsible driver and car owner, it is critical that you do not limit yourself to the bare minimum coverage. To safeguard interests, comprehensive coverage must be sought that covers various costs beyond third-party liability and is not restricted to at-fault accidents for claims.

A prudent financial decision would be to opt for economical and comprehensive car insurance. This blog will help you understand and evaluate the alternatives available in Contra Costa so that you can make a wise vehicle insurance decision. 

Best 11 Cheap Car Insurance in Contra Costa County

One can find cheap car insurance in Contra Costa if they contact the right people. Many country-wide insurance companies with independent agents operate in the county, and some genuine local agencies are running family-owned businesses. These local agencies and agents are integrally connected to the area’s residents and understand their needs well enough to serve them how they deserve. They act more than salespersons and are more like personal guides who make a point to benefit their county with suitable choices.

Here is a list of some agencies in the Contra Costa County that can help find the cheapest car insurance:

Beem

Beem is an insurance marketplace (aggregator) where you can find quotes from all the top insurance companies. It makes it easy to compare insurance prices, coverage, and add-ons and, eventually, make a decision. You are also eligible for special discounts (if applicable) based on your details and driving history. 

In addition, Beem is not just a platform for car insurance but a one-stop shop for all your financial needs. It is trusted for budgeting and payments while enabling extensive other tasks, such as comparing insurance quotes and availing roadside assistance. While there is much more to Beem, focusing on car insurance — staying true to the topic — highlights its grip on the market owing to its partnership with leading car insurers. This is the reason why Beem can offer personalized car insurance quotes to its users in just a matter of five minutes.

Catalli Insurance Brokers

This is an example of an independently owned company that works with its clients like they would with their family members. The organization has been in the business for over 60 years and has an experienced workforce that profoundly understands the insurance industry. They offer a wide range of insurance products for personal and commercial needs. 

Avail Insurance Solutions

Avail Insurance Solutions specializes in delivering top-tier auto insurance services designed to provide unparalleled protection on the road. Whether it’s coverage for personal vehicles, commercial fleets, or specialty automobiles, Avail ensures comprehensive solutions tailored to individual needs. Their dedicated team offers expert guidance, competitive rates, and customizable policies, ensuring clients have the right coverage for their vehicles and driving habits. 

Jeffrey Wong Insurance Agency

A locally owned agency from Benicia, Jeffrey Wong has been headquartered in California for years. It serves people in the Bay Area with a broad array of products. Its agents are adept at assessing customer needs, which helps them offer flexible and customizable insurance services that meet their needs. The agency strives to protect the assets that are dearest to people by suggesting policies that can extract maximum value for them.

Steve Hom Insurance Services

It is a professional service company that is an expert in insuring people’s lives and assets. It claims to pay keen attention to its customers’ driving history and recommends policies to steer them clear of unplanned liabilities arising from a road accident. It functions transparently and clearly explains all the options available to customers to obtain a car insurance policy designed for their purposes.

Darci Gutierrez Insurance Services

As we all know and have discussed earlier in this article, finding insurance that fits your purse and covers optimally takes work. DGIS comes to your rescue; it was established to educate the populace about insurance and how it is a universal friend rather than a mystery concept. It believes in after-sales services, bringing us back to the customer satisfaction aspect of the game. All those who focus on this USP are the winners. 

Mt. Diablo Insurance Brokers

As a full-service broker, Mt. Diablo can handle all its clients’ insurance needs. Its clients range from individuals to businesses to families with different needs that only partially overlap. Without a need-based approach to scouting for insurance, many people overpay on their policies or don’t get adequate coverage. With Mt. Diable, insurance shopping is like gliding into a financially bright future. It alleviates any doubts before you commit to your car insurance and gets you the best quotes.

Farmers Insurance – Eric Gee 

Farmers Insurance is one of California’s most popular insurance agencies. Its dedicated agents put their heart and soul into providing their clients with the best services through extensive market research for the best insurance products. Eric is one such agent who has 15 years of experience with Farmers and has found mutual value through his work by building long-lasting relationships with the families he tends to.

Health & Integrative Insurance Solutions

Health & Integrative Insurance Solutions specializes in health-related offerings, such as medical insurance, comprehensive healthcare, and travel insurance. As a good name in the industry, they can provide you with good car insurance quotes that you can bundle with your health insurance.

Steve Bauer – State Farm Insurance Agent 

State Farm is another name in the insurance industry, and it has an illustrated history of exceptional services and car insurance quotes. Steve is a dedicated agent in this organization who helps his clients with their existing policies and anything they might need clarification on. People keep asking him for advice because he gives it out pragmatically.

Chelsea Brackett – State Farm Insurance Agent

State Farm insurance agent Chelsea is one of the most educated and well-behaved people the agency has onboarded. She has a BS in California and has been serving her native Pleasant Hill region and neighboring Contra Costa County cities for 12 years. She is young and energetic and has a highly relatable temperament with the people she serves, making her the best insurance agent in the region. You will likely get some auto insurance quotes while meeting other insurance requirements. 

Types of Car Insurance in Contra Costa

Insurance needs are different for every person, organization, and family. So, finding an appropriate policy for every applicant takes the most time and effort. However, the research does get simplified if the person undertaking this behemoth of a task knows about the types of insurance products available in the market. Bundling insurance — one of the effective ways of reducing insurance burden — also comes into question once the basic awareness about the products exists.

Here is an explanation of the types of car insurance one can find in Contra Costa:

Liability coverage

This is standard, state-prescribed insurance coverage for any new vehicle purchase. It helps the car owner with the financial liability arising from their responsibility for causing damages or injury to a third party.

Uninsured and underinsured motorist coverage

Unlike liability coverage, uninsured and underinsured motorist coverage benefits the owners themselves when the other party is at fault. While the uninsured, as evidenced by the name, do not possess liability coverage, the underinsured’s policy tends to have a cap on the maximum liability coverage. If a car owner includes such possibilities in their car insurance, they get covered with any additional or all damages and medical expenses arising from the accident.

Comprehensive coverage

This insurance coverage encompasses all damages possible to a car beyond collision, including natural calamities, fires, vandalism, theft, and any other anthropogenic disaster. Surprisingly, these often tend to be cheaper than some custom insurance policies, given they charge a comprehensive premium, which is more than compensated when required to cover liabilities without a bar.

Collision coverage

This type of insurance policy has a more inclusive coverage norm in a collision. While liability coverage only covers damages and injuries to the third party when the car owner is at fault, collision coverage protects both owners from financial losses, irrespective of who is at fault. The owner can get their vehicle repaired or replaced, as the case may be, and subject to the surveyor’s approval.

Medical Payments Coverage

This is a vital inclusion in an auto insurance policy as it covers any medical expenses of the passengers and the driver of the car, irrespective of who’s at fault. It covers hospital stays, ambulance charges, hospital visits, tests, and nursing facilities if the patient requires them.

Personal Injury Protection

This is an auto insurance policy’s most comprehensive form of healthcare coverage. It covers all the expenses mentioned above, including funeral expenses and, in addition, lost wages during the ailing period. The catch here is that it covers these expenses for the driver or passengers with an existing health insurance policy and those whom no healthcare policy might cover. This policy applies to the holder irrespective of who is at fault in the collision.

What is the Average Cost of Car Insurance in Contra Costa?

The average cost of car insurance in Contra Costa is one of the cheapest in California. You can get minimum liability insurance for as low as $1 per day in the county, which comes to $365 annually. If you don’t think this is cheap, you probably aren’t aware of car insurance quotes in other state counties. This is not to say that it’s the cheapest car insurance in California, but it’s still cheap enough compared to some.

Cheapest Insurance for Drivers in Contra Costa

We all know that car insurance quotes vary depending on the driver’s age. While the costs don’t vary as much in the 30 to 60 age bracket, they differ significantly for teens and, to some extent, those over 75. 

However, it is quite tricky to define and determine the ‘cheapest’ insurance as the term might have different meanings and implications for different groups of people. We advise you to try Beem and find options based on your requirements and needs. 

In addition, here is a list of how car insurance varies in Contra Costa regarding age.

Cheapest Insurance for 20-Year-Olds in Contra Costa

The teenage years are the most fun but probably the most painful for car ownership, as car insurance is really costly at this age. However, the same is not the case with those in their 20s. Twenty-year-olds are considered to be still young but mature enough to get some things under the hood. They ensure a good driving record and credit score to afford their car insurance without burning a hole in their pockets at the beginning of their careers.

The cheapest minimum liability insurance for 20-year-olds in Contra Costa is $133, which can be obtained from CSAA. Car insurance from the same agency for full coverage is also affordable at $475.

Cheapest Insurance for 30-Year-Olds in Contra Costa

Car insurance quotes stay mostly the same for people in the 30-to-60-year-old age group. The rates vary with different records, credit scores, and car types, but age does not play a role in the calculation. This entire group is considered at par for their car insurance riskiness.

The minimum liability coverage for those in their 30s in Contra Costa can be as cheap as $131 if availed from CSAA. While the minimum coverage quotes do not differ much from those offered to 20-year-olds, the full coverage quotes reflect a $49 per annum saving with a quote of $421.

Cheapest Insurance for 40-Year-Olds in Contra Costa

Like 30-year-olds, 40-year-olds also get their minimum and full coverage car insurance at affordable rates of $131 and $421, respectively.

Cheapest Insurance for 50-Year-Olds in Contra Costa

Car insurance for those in their 50s could be higher than the previously discussed age groups. By the time people reach this age, they have accumulated some wealth to purchase costly cars and protect them better with fancy insurance policies. However, age in itself has nothing to do with rising car insurance costs. Therefore, the cheapest car insurance for 50-year-olds in Contra Costa is $131 for minimum liability coverage and $475 for full coverage.

Cheapest Insurance for 60-Year-Olds in Contra Costa

The cheapest car insurance for those in their 60s is again the same as discussed above. Certain factors, as always, can lead to a variation in car insurance bills, but those are subjective, as we’ll be discussing in a while. 

Cheapest Insurance for 70-Year-Olds in Contra Costa

The car insurance costs for drivers in their 70s are certainly higher than those of their younger counterparts. However, the cheapest car insurance can still be obtained at $500 annually. Because of their high-risk factor, their minimum liability coverage costs are also significantly high, unlike younger drivers.

How Driving Records Affect Contra Costa Car Insurance Costs

Driving records are one of the most influencing parameters in calculating car insurance quotes for California drivers. The better a person’s record, the easier for them to get cheap car insurance in Contra Costa.

Here are a few instances wherein a change in driving record could increase insurance costs:

Cheapest Car Insurance In Contra Costa For A Speeding Ticket

A speeding ticket on the driving record could adversely affect insurance costs during renewal. However, the extent to which this affects the insurance bill depends upon the number of speeding tickets on the license and the speed range for which the ticket(s) has been issued.

The cheapest car insurance with minimum liability coverage for a single speeding ticket in Contra Costa is around $170. This is calculated based on the cheapest car insurance before a speeding ticket, with 25% added for the traffic rule violation. The full liability insurance coverage is around $600.

Cheapest Car Insurance In Contra Costa For An At-Fault Accident

Liability insurance also rises significantly after at-fault accidents, much more than in the case of a speeding ticket. There is an average rise of about 80% in car insurance bills after an at-fault accident. If you were unlucky not to have bought a comprehensive or full coverage insurance package before the accident, you certainly will now. At-fault accidents can drain a person’s finances because the liability costs can be too high sometimes.

The cheapest full-coverage car insurance in Contra Costa after an at-fault accident is $900. For a minimum coverage insurance, the quote could be around $250.

Cheapest Car Insurance In Contra Costa For A DUI

Driving under the influence is the most devastating of all traffic violations. It can hike your car insurance costs by up to 160%. There is no way around a DUI on your driving record, as it is not an offense that can be taken lightly. So, the cheapest car insurance in Contra Costa after a DUI on the record can be $350 for minimum liability and $1,250 for full liability.

Conclusion

The costs of car insurance in Contra Costa County are low compared to other counties in California, probably because of the network effects of a substantial population while not soaring, owing to not being as popular as some of the more densely-populated counties. However, as a driver or a car owner, you might be looking for economical and affordable alternatives for your pocket. Hence, one of the most critical things would be to compare and contrast the insurance plans and quotes provided by various companies. 

It is also worth noting that individual circumstances affect insurance premiums and quotes. For instance, a driver with no reports of rash driving in the past is expected to receive lower premium quotes than someone who has received a few speeding tickets from the local police. Hence, you are always advised to try Beem and provide details of your vehicle and yourself. Based on this, you are shown several alternatives to choose the best option. 

FAQs