Auto Insurance Quotes in Fontana CA - [Mom Prepared] (2025)

As a husband and wife raising children of various driving ages in Fontana, CA, getting the right auto insurance coverage is crucial for our family’s safety and financial well-being. With four vehicles in our household, each with different drivers and needs, finding the best auto insurance quotes in Fontana, CA is a top priority for us.

Our family’s first vehicle is a reliable minivan that we use for family outings and school drop-offs. With our teenage daughter just getting her license, we opted for comprehensive coverage on this vehicle to protect it in case of any accidents or theft. Our monthly payment for this vehicle is $150, which includes coverage for liability, comprehensive, collision, and uninsured motorist.

The second vehicle in our household is a compact sedan that we use for daily commutes to work and running errands. Our teenage son, who is also a new driver, is the primary driver of this car. We opted for basic liability coverage for this vehicle to keep our monthly payments low at $100. This coverage protects us in case of any accidents where our son is at fault.

Our third vehicle is a sleek sports car that we use for weekend getaways and date nights. With our youngest child still a few years away from driving, this car is primarily driven by the parents. We opted for full coverage on this vehicle to protect our investment in case of any accidents. Our monthly payment for this vehicle is $200, which includes coverage for liability, comprehensive, collision, and uninsured motorist.

The fourth vehicle in our household is a sturdy SUV that we use for off-road adventures and camping trips. Our eldest child, who is in college and comes home on weekends, is the primary driver of this car. We opted for comprehensive coverage on this vehicle to protect it in case of any accidents or damage from rough terrain. Our monthly payment for this vehicle is $175, which includes coverage for liability, comprehensive, collision, and uninsured motorist.

With four vehicles and multiple drivers in our household, we understand the importance of having adequate auto insurance coverage. However, maintaining a clean driving record can be challenging, especially with teenage drivers in the mix. Over the years, some of our family members have received driving infractions that have resulted in increased auto insurance rates.

One common driving infraction that our teenage daughter received was a speeding ticket for going 10 miles over the speed limit. This infraction led to a 10% increase in our auto insurance rates for the minivan she drives. Another infraction that our teenage son received was a parking ticket for parking in a no-parking zone. While this infraction did not result in a rate increase, it did serve as a reminder to follow parking rules.

Our eldest child, who is away at college, also received a driving infraction for running a red light. This infraction led to a 15% increase in our auto insurance rates for the SUV he drives when he comes home on weekends. Another infraction that our teenage son received was a fender bender in a parking lot. This infraction led to a 20% increase in our auto insurance rates for the sedan he drives.

As a family with multiple drivers and vehicles, we have learned the importance of safe driving habits and following traffic laws to avoid costly auto insurance rate increases. By staying vigilant on the road and encouraging our children to drive responsibly, we can keep our auto insurance rates manageable and affordable.

When it comes to auto insurance in Fontana, CA, there are several common questions that many residents have. Here are 12 common questions about auto insurance in Fontana, CA, along with the answers:

1. What is the minimum auto insurance coverage required in Fontana, CA?

In Fontana, CA, the minimum auto insurance coverage required is liability insurance with the following limits: $15,000 for bodily injury per person, $30,000 for bodily injury per accident, and $5,000 for property damage.

2. What factors affect auto insurance rates in Fontana, CA?

Auto insurance rates in Fontana, CA are influenced by factors such as the driver’s age, driving record, type of vehicle, coverage limits, and deductible amount.

3. How can I lower my auto insurance rates in Fontana, CA?

To lower your auto insurance rates in Fontana, CA, you can consider bundling multiple policies, maintaining a clean driving record, taking a defensive driving course, and choosing a higher deductible.

4. Are there any discounts available for auto insurance in Fontana, CA?

Yes, there are several discounts available for auto insurance in Fontana, CA, including multi-vehicle discounts, good student discounts, and safe driver discounts.

5. What types of coverage options are available for auto insurance in Fontana, CA?

In Fontana, CA, drivers can choose from a variety of coverage options, including liability, comprehensive, collision, uninsured/underinsured motorist, medical payments, and personal injury protection.

6. Can I add roadside assistance to my auto insurance policy in Fontana, CA?

Yes, many auto insurance providers in Fontana, CA offer roadside assistance as an optional add-on to their policies for an additional fee.

7. Do I need to purchase uninsured/underinsured motorist coverage in Fontana, CA?

While uninsured/underinsured motorist coverage is not required in Fontana, CA, it is highly recommended to protect yourself in case you are involved in an accident with an uninsured or underinsured driver.

8. What is the average cost of auto insurance in Fontana, CA?

The average cost of auto insurance in Fontana, CA varies depending on factors such as the driver’s age, driving record, and type of vehicle, but it is typically around $1,500 per year.

9. Can I get auto insurance quotes online in Fontana, CA?

Yes, many auto insurance providers in Fontana, CA offer online quotes that allow drivers to compare rates and coverage options from the comfort of their own home.

10. What should I do if I am involved in a car accident in Fontana, CA?

If you are involved in a car accident in Fontana, CA, you should exchange contact and insurance information with the other driver, take photos of the scene, and report the accident to your insurance provider as soon as possible.

11. Does my auto insurance policy cover rental cars in Fontana, CA?

Many auto insurance policies in Fontana, CA offer rental car coverage as an optional add-on, which can provide reimbursement for rental car expenses in case your vehicle is in the shop for repairs.

12. Can I customize my auto insurance policy in Fontana, CA?

Yes, many auto insurance providers in Fontana, CA offer customizable policies that allow drivers to tailor their coverage to meet their specific needs and budget.