Living in California has plenty of perks: Nice weather, lots of outdoor adventures and a robust economy. On the other hand, plenty of residents complain about the high cost of living, which includes the price of insurance. Freeway Insurance has been in California for many years and it is our mission to help you find affordable and competitive options for your coverage, whether it's auto, home, renters, business, motorcycle, SR-22, or health insurance.
Atwater residents enjoy a fairly reasonable cost of living when compared to some of the larger, more populated areas. It’s a friendly city with good schools and small town charm. Your Freeway agents also live in the Atwater area, so we understand what you need and we know how to get it cheaper. Stop by and see how we can make insurance easy for you in the heart of 95301.
Atwater residents can typically get around using surface streets such as Atwater Boulevard, Bellevue Road, Winton Way and Applegate Road. That’s a good thing because it enables them to avoid driving on one of the deadliest highways in California that runs through the town, Highway 99.
That said, it is still a good idea to have great car insurance in California whether driving on surface streets or a highway with a bad reputation. We have great – and cheap – auto coverage, plus many other forms of protection. Here is how to find us.
From the North (e.g., Stockton or Modesto)
From the South (e.g., Fresno or Madera)
From the East (e.g., Merced or Planada)
From the West (e.g., Los Banos or Gustine)
Freeway Insurance is located in Atwater Marketplace shopping center. We are next door to Save Mart Supermarket and in between Sourdough & Co. and Quickly.
We know you have many choices when it comes to choosing an insurer. Why pick Freeway Insurance in Atwater? Here’s what makes us a top choice:
Life in Atwater is family-friendly and retirement friendly. People here take pride in their homes and neighborhoods. It is considered a more affordable option in California living, with plenty of access to everything great about the Golden State, including being roughly a three-hour drive from the Pacific Ocean and about two hours from Yosemite National Park.
Whether you rent your home or own it, whether you are a business owner here, if you need reasonable car insurance or if you are looking for a budget-friendly health insurance plan, we can help.
California requires all drivers to have basic liability coverage. The amount of coverage necessary to meet state law has recently increased, making costs for insurance also increase. Currently, you need – at a minimum - $30,000 bodily injury liability for one person, $60,000 bodily injury liability total for one wreck and multiple people, and $15,000 property damage liability.
Your liability coverage is only to help pay for damages and injuries you cause to others. It is not intended to help pay for your own repairs and medical bills if you cause an accident. Likewise, if someone else causes an accident in which you are injured and your vehicle damaged, their insurance is there to help you recover.
You can increase your limits, as well as add other types of insurance, such as collision and comprehensive, to help pay for your own repairs and bills. Your insurer will only pay out up to your policy limits for liability. Collision and comprehensive are worth up to the market value of your car, but they also come with a deductible.
It can be confusing, so to make sure you get the car insurance you need in Atwater, 95301 and the surrounding area, check in with your neighborhood Freeway agent.
Just as with a car or truck, the state of California requires motorcyclists to carry liability insurance. Your motorcycle coverage will cost less than car insurance (typical cost is between $700 and $1,500 annually), but that depends on your age, driving history, experience and type of bike.
It’s great to be able to jump on your bike and head out for a day of exploration, but just as important as the proper gear is the proper insurance. Since the weather in the Atwater area is generally nice year round, you’ll be able to cruise when you want and your motorcycle may be your main form of transport.
Our motorcycle insurance plans offer the protection you need, whether you're cruising down Atwater Boulevard or heading out for the winding roads in Yosemite Valley. We cover liability, collision, and uninsured motorist protection, essential for unexpected bumps in the road. With Freeway Insurance, you get a plan that fits your budget and lifestyle. Our local agents know the ins and outs of riding in Atwater and are ready to help you find the right coverage without breaking the bank.
If you know what SR-22 insurance is, then you’ve probably been convicted of DUI or some other egregious violation, such as driving without insurance. SR-22 insurance – or DUI insurance, as it is known - is reserved for drivers that are considered more risky then the average person behind the wheel. If you get an SR-22 requirement from the state of California, your insurance company will need to file a form on your behalf with the state, certifying you have purchased the state-required insurance.
Unfortunately, many insurers will charge you double or even triple for your insurance in this situation. At Freeway, we specialize in helping drivers in this situation find car insurance they can afford. We understand everyone makes mistakes. You still need to get to work, drive the kids to school and go grocery shopping. If you have an SR-22 requirement in Atwater, come chat with us or give us a call. We can help.
Even though Atwater is a city filled with small town charm, friendly people and a relaxed lifestyle, you still need budget-friendly insurance options in 95301. Our bilingual agents are your neighbors, so we can help you find budget-friendly insurance solutions in Atwater. You tell us about you and what you want, and we do all the work – researching through many different top-rated carriers to come up with several choices for you to look at and decide what works best.
It would take you hours to do this on your own, plus you’ll have all those annoying emails and phone calls. Let us save you time and hassle by doing the work for you. We’ll help you find the coverage you need.
Almost half of Atwater residents are renting their home. If you are a renter, have you considered renters insurance? It is a cheap (pennies per day) and will help you replace your belongings if they are stolen or destroyed. Many people don’t think they have enough of value, but let’s say a pyromaniac child in the apartment upstairs sets a fire and you lose everything.
Have you priced things like a new wardrobe, new electronics, new sports equipment and new furniture lately? Even though it may not seem like it, your belongings will cost well into the thousands to replace. What if someone breaks in and steals all those beautiful pieces of jewelry you’ve been collecting? Your landlord’s insurance will not help in any of these situations.
Whether you're in an apartment off N. Winton Way or E. Bellevue Road, or a cozy home elsewhere in 95301, our coverage keeps your items safe from theft, fire, and other surprises. With Freeway Insurance, you won’t be stretched if the unexpected happens.
A little over half of Atwater residents are homeowners. For many people, their home is the largest purchase they’ll ever make. So, it is definitely worth protecting against fire, natural disaster, floods from broken pipes, and more.
At Freeway Insurance, we offer home insurance plans with comprehensive coverage for your property and belongings. Wherever you live in 95301, our affordable options ensure your home is well-protected. Your home protects you – you should protect your home with affordable home insurance in Atwater.
Having health insurance helps you in many ways. It offers continuity in care, pre-screening for dangerous diseases and the peace of mind knowing you and your family have a medical professional in your corner. Health insurance is also required by law in California and can come with a steep tax penalty if you go without.
Did you know one in five Californians qualifies for free or low-cost health care? Are you one of them? It can be confusing applying for health coverage and making decisions about what you need. At Freeway, our bilingual agents are happy to help you thought the process. Best of all – this service is free. Just call us at 877-423-1508.
Finding cheap car insurance in Atwater takes time, lots of time – but only if you do it by yourself! You can be spending precious time with your family while we run the numbers for you and find you the best deals for affordable auto coverage in 95301.
That’s what we do at Freeway Insurance. Our bilingual and knowledgeable agents will find out what you need and how much you want to spend – and then we’ll research many different carriers until we find several options for you to choose from. Visit us at 1805 Bellevue Road, Suite 1B, give us a call, or check us out online to start your insurance journey today!
It’s not a secret that bundling your insurance policies together with one company can save money – how much money depends on the carrier. Some offer much greater savings as a thank you for doing business with them – so those are the ones you want to target. How does up to 30% off sound? That is what some drivers may be able to get if they bundle their car and home insurance together. You read that right – 30% off for bundling your car and home insurance in Atwater.
Renters can benefit, too. By bundling your car and renters insurance in Atwater, you can get up to 15% off. Regardless of what you choose to bundle, it will be easier to manage your policies and you’ll save money. Win-win!
Your Freeway Insurance, conveniently located at 1805 Bellevue Road, Suite 1B, is ready to help. Whether you visit us in person, call 209-225-9153, or get a free quote online, our team makes finding the right coverage easy. Because we are local, you’ll receive service from people who live and work where you do. Next time you're nearby, stop by and see how straightforward getting affordable insurance can be right here in Atwater.
You’ve got questions about local insurance rates, and we’ve got answers and solutions.
Auto insurance rates in Atwater vary based on your driving history, vehicle, and coverage needs. Typically, you might pay around $49 a month for minimum coverage, while full coverage could be about $173 monthly. These are averages and based on a 30-year-old male with a clean driving history.
In Merced County, where Atwater is located, the average annual premium for a replacement value of $300,000 is $95 per month. Since finding home insurance in California can be difficult due to recent claims, it is more important than ever to compare quotes.
Discounts are a great way to save money on your premium. At Freeway, we’ll find out which ones you qualify for and make sure you get the top discount for them. Here are a few to consider:
It can be hard to find the best car insurance when there are so many options to choose from out there. When it comes to finding cheap car insurance, you might go with one option, only to find that someone else offers a more affordable alternative.
Read More about 5 Insurance Tips for Car Buyers
Renters insurance is a great way to protect your belongings without breaking the bank. It’s an affordable option to protect yourself and your pocketbook in case the unexpected happens in or outside your rental.
Read More about Do I Need Renters Insurance?
Most drivers have received at least one speeding ticket throughout their adult lives.
Read More about How Much Renter’s Insurance Do You Need?
Most drivers have received at least one speeding ticket throughout their adult lives.
Read More about How Much Renter’s Insurance Do You Need?
Most drivers have received at least one speeding ticket throughout their adult lives.
Read More about How Much Renter’s Insurance Do You Need?
