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Best Cheap Auto Insurance in Oakland 94609

Looking for cheap auto insurance in Oakland? Auto Insurance Center will provide you with the best cheap auto insurance quotes.

Oakland is the eighth largest city in California and is known for its city culture, diversity and busy trading port.

The area was first inhabited by Huchiun and Costanoan Indians before the land was claimed by Spain in the late 1700s. In 1820, Spain granted the area to Luis Maria Peralta. The grant was known as Rancho San Antonio.

The population boomed during the 1849 California Gold Rush and the city served as a center for goods for those traveling to town. In 1852, the city was incorporated. The city was named after the nearby oak trees and grassy plain.

The main developers of Oakland include Horace Carpentier, Edson Adams and Andrew Moon. The additions of railroads and ports helped grow Oakland in population and commerce.

In 1916, General Motors opened a major car factory and paved the way for other car manufacturers to open factories during the 1920s.

The city center went through a rebuilding phase from 1970 to 1990.

Top Oakland attractions include: Chabot Space and Science Center, Lake Merritt, Morcom Rose Garden, Fox Theater, Oakland Museum of California, Oakland Zoo and East Bay Regional Park District.

Oakland currently has three professional sports teams, including Athletics (MLB), Golden State Warriors (NBA) and Raiders (NFL). The Warriors have had the most recent success, winning the NBA championship in 2015 and 2017. The Raiders are in the works of relocating to Las Vegas for the 2020 NFL season. The Warriors plan to move to San Francisco once their new stadium is complete.

Insurance Discounts in Oakland

In California, a good driving record can earn you auto insurance discounts — up to 20 percent — under California law (Prop 103). Common insurance discounts from car insurance companies include:

  • Good student
  • Multi-car
  • Multiple policy
  • Automatic payment
  • Bundling auto with homeowners or renters
  • Paid-in-full

Remember that the best way to save money with auto insurance is to keep a clean driving record.

Driving Conditions in Oakland

The Oakland climate is classified as a Mediterranean climate. The annual high temperature is 67 degrees and the annual low temperature is 51.4 degrees. The summers are dry and warm, while the winters are wet and mild. The city usually has temperatures warmer than San Francisco, but cooler than San Jose. Fog during the evenings and early mornings are common.

According to Wallet Hub, Oakland was ranked the second worst city for motorists. Be sure to check traffic reports and weather before driving in Oakland.

Crime Statistics

According to the 2015 Crime in the United States report, California had 1,024,914 accounts of property crime and 170,993 accounts of vehicle theft.

California Driver’s License

As a legal resident of California, you’ll need to obtain a California driver’s license. Those with a valid out-of-state license will need to make an appointment before visiting a DMV office as well as be required to pay an application fee and will need to pass a vision and written exam.

When you visit the DMV, bring your valid out-of-state license, proof of U.S. residency (birth certificate, passport, etc.), proof of California residency and proof of your Social Security number.

Seat Belt Laws

Seat belts are required for all drivers and passengers in California.

California law requires that all children under the age of 8 be properly restrained in an appropriate child seat in the backseat of a vehicle. However, children weighing 40 or more pounds or standing 40 or more inches taller are exempt. Children under 2 must ride rear-facing in an appropriate child passenger safety seat.

Cell Phone & Texting Laws

In California, drivers cannot call or text on a handheld device while driving.

Odd Law

In California, it’s unlawful to let a dog pursue a bear or bobcat at any time.

You would be surprised how much insurance rates can vary zip code to zip code even if the zip codes are within the same metropolitan area. This can be for various reasons including higher or lower crime rates in a specific zip code area, accident statistics in that zip code, traffic density in different parts of the city, and even different weather conditions depending on what part of the metro area you are in. This can become even more interesting if you live on the border of a different zip code yet your are paying more for insurance than you would if you lived right across the street. While some people will use this to their advantage and give their insurance company a different address than their actual address to save some money it is not advisable as this may be seen as a form of fraud. 

To find out what your auto insurance rates will be for you zip code either fill out the quick quote form above or call one or more of the local agents below. It is best to call more than one to get them to compete for your business so that you can get the cheapest rates possible. Many people would rather avoid this effort because its more work but its one of the best ways to get cheap auto insurance quotes.

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