Comparing rates for cost effective auto insurance is not easy, and determining which companies quote the cheapest insurance rates for teachers takes even more perseverance. Each insurance company uses slightly different criteria for determining prices, so we’ll go over the insurance companies that tend to be cheaper in Stockton.
Keep in mind that Stockton, CA insurance rates are impacted by many things that may substantially change the price you pay. Simply improving your credit score, buying a different vehicle, or getting a few speeding tickets can trigger price changes that can make some companies much cheaper than others.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,155 |
| 2 | Wawanesa | $1,181 |
| 3 | Century National | $1,190 |
| 4 | CSAA | $1,198 |
| 5 | Nationwide | $1,263 |
| 6 | 21st Century | $1,379 |
| 7 | Grange | $1,447 |
| 8 | Mercury | $1,488 |
| 9 | Progressive | $1,496 |
| 10 | Allstate | $1,497 |
| 11 | GEICO | $1,559 |
| 12 | The Hartford | $1,591 |
| 13 | Allied | $1,603 |
| 14 | MetLife | $1,654 |
| 15 | Unitrin | $1,682 |
| 16 | State Farm | $1,699 |
| 17 | Esurance | $1,705 |
| 18 | Travelers | $1,788 |
| 19 | Bristol West | $1,849 |
| 20 | Farmers | $2,006 |
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USAA generally has some of the most affordable car insurance rates in Stockton at around $1,155 per year. Wawanesa, Century National, CSAA, and Nationwide also qualify as some of the more affordable Stockton, CA insurance companies.
In the above rates, if you are a policyholder with CSAA and switched to USAA, you might achieve a yearly savings of upwards of $43. Policyholders with Nationwide might save as much as $108 a year, and 21st Century customers might realize rate reductions of up to $224 a year.
To get a fast rate comparison, click here to get quotes or visit several of the following companies.
Understand that those estimates are averages across all types of insureds and vehicles and do not take into consideration a specific zip code for teachers. So the insurer that is best for you may not even be in the top 24 companies in the list above. That is why you need to quote rates from many companies using your own driver information and specific vehicle type.
For teachers and educators, one of the big criteria that are used to help calculate the cost of insurance is your address. Cities with larger populations tend to have more expensive auto insurance rates, whereas more rural areas have the gratification of cheaper auto insurance rates.
The table below lists the most expensive cities in California for teachers to purchase a policy in. Stockton is ranked #7 with an annual cost of $1,603 for car insurance, which is around $134 each month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Los Angeles | $2,146 |
| 2 | Glendale | $2,079 |
| 3 | San Francisco | $1,711 |
| 4 | Oakland | $1,687 |
| 5 | Sacramento | $1,652 |
| 6 | Long Beach | $1,610 |
| 7 | Stockton | $1,603 |
| 8 | San Bernardino | $1,596 |
| 9 | Santa Clarita | $1,595 |
| 10 | Riverside | $1,542 |
| 11 | Fontana | $1,535 |
| 12 | Modesto | $1,532 |
| 13 | Garden Grove | $1,508 |
| 14 | Moreno Valley | $1,491 |
| 15 | Anaheim | $1,488 |
| 16 | Santa Ana | $1,483 |
| 17 | Fresno | $1,472 |
| 18 | San Jose | $1,437 |
| 19 | San Diego | $1,381 |
| 20 | Irvine | $1,371 |
| 21 | Fremont | $1,361 |
| 22 | Huntington Beach | $1,360 |
| 23 | Oxnard | $1,344 |
| 24 | Bakersfield | $1,340 |
| 25 | Chula Vista | $1,311 |
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Price information shown is approximated as the vehicle garaging location can change coverage prices greatly.
Driving violations and accidents
In a perfect world, the best way to maintain good insurance prices for teachers and educators is to be a safe driver and maintain a clean driving record. The illustration below highlights how speeding tickets and fender-benders raise annual premium costs for different insured age categories. The premiums are based on a single male driver, full coverage, $1,000 deductibles, and no discounts are applied.
The chart shows that the average cost of a car insurance policy in California per year with no violations or accidents is $1,849. Add in two speeding tickets and the average cost swells to $2,435, an increase of $585 each year. Now get two accidents along with the two speeding tickets and the 12-month cost of insurance for teachers jumps again to an average of $4,884. That’s an increase of $3,035, or $253 per month, just for not driving responsibly!
The information below demonstrates how deductible levels can change insurance prices when researching cheap insurance for teachers. The costs are based on a married male driver, full physical damage coverage, and no discounts are factored in.
The data above shows that a 30-year-old driver could lower rates by $342 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $516 by selecting a $1,000 deductible. Youthful drivers, such as the 20-year-old example, could drop their prices as much as $1,026 or more by choosing larger deductibles on their policy. When increasing deductibles, it is essential to have emergency funds available to enable you to cover the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.
Discount Stockton insurance
Insurance companies that offer quotes for teachers may also offer discounts that can lower rates by as much as 30% if you meet specific criteria. The best insurance companies and a summarized list of policyholder discounts are included below.
- The Hartford offers discounts including good student, driver training, defensive driver, vehicle fuel type, and bundle.
- American Family discounts include good student, early bird, multi-vehicle, Steer into Savings, bundled insurance, and defensive driver.
- Progressive may have discounts that include online signing, multi-vehicle, online quote discount, multi-policy, good student, and homeowner.
- Travelers may offer discounts for driver training, multi-car, save driver, hybrid/electric vehicle, new car, and payment discounts.
- Farmers Insurance offers discounts for mature driver, business and professional, homeowner, early shopping, and electronic funds transfer.
- USAA includes discounts for annual mileage, defensive driver, driver training, vehicle storage, and good student.
- Liberty Mutual offers premium reductions for multi-policy, new move discount, teen driver discount, newly married, new vehicle discount, and hybrid vehicle.
The chart below illustrates the comparison of car insurance costs with and without discounts applied to the rates. The rate quotes are based on a male driver, no violations or claims, California state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with defensive driving course, anti-theft, multiple policy, safe-driver, homeowner, and marriage discounts applied. When discounts are applied, theaverage amount saved on insurance for teachers is 28% or $698.
The importance of shopping around
Stockton, CA insurance rates are impacted by many things which can substantially change the cost of having a policy. Improving your credit rating, becoming a homeowner, or getting a couple of tickets may prompt premium changes that can cause some rates to be affordable when they were higher priced. Not only that, but insurance companies change premium rates multiple times each year to adjust for unexpected claims or profits. A period of increased losses can cause additional price hikes, while a better claims history may result in lower-priced Stockton car insurance rates.
To illustrate this point, the data below shows which company has the cheapest car insurance in Stockton, CA for a 45-year-old male driver with no prior claims, no tickets, and a decent credit rating. Based on his current situation, USAA quotes the lowest car insurance rates in Stockton at $1,301 each year. This is $350 less than the average policy premium paid by California drivers of $1,651. Wawanesa, Century National, Nationwide, and CSAA are the rest of the top five cheapest Stockton, CA auto insurance companies.
In the next rate comparison, we’ll give the driver in the first example a couple of claims, a lower credit rating, and a traffic ticket or two. Due to the fact that each insurance company has a different formula for determining prices, analyzing rate quotes may result in a different list of the cheapest Stockton car insurance companies as shown below.
Grange now has the best auto insurance rate in Stockton, CA with Mercury, Allstate, Progressive, and Allied now being in the top five. This demonstrates why Stockton drivers need to compare rates to find the most affordable auto insurance rates for teachers.
Insurance prices consist of many factors and change dramatically, so the cheapest option the last time you compared rates may now be an over-priced policy.