Truthfully, the best way to get more affordable car insurance rates is to do a yearly price comparison from providers in Stockton. Drivers can shop around by following these guidelines.
- Learn about how car insurance works and the measures you can control to keep rates low. Many policy risk factors that increase rates such as speeding tickets, careless driving and a substandard credit history can be eliminated by making lifestyle changes or driving safer. Continue reading for instructions to find cheap rates and find additional discounts.
- Quote rates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can give quotes from one company like GEICO or Farmers Insurance, while agents who are independent can provide rate quotes from multiple insurance companies.
- Compare the new quotes to the premium of your current policy to determine if you can save on SS insurance in Stockton. If you find better rates and buy the policy, make sure there is no lapse in coverage.
The most important part of shopping around is that you’ll want to compare identical deductibles and limits on every quote and and to get rates from as many carriers as you can. This helps ensure a fair price comparison and the best price selection.
Unthinkable but true, a large majority of insurance policyholders in California kept their policy with the same company for more than four years, and nearly half have never quoted rates to find affordable coverage. Many consumers in America could save themselves 46.5% a year just by comparing rates, but most undervalue the large savings they would see if they switch to a new company.
Our goal is to help educate you on how car insurance quotes work and also save some money in the process If you currently have a car insurance policy, you will definitely be able to save money using the tips covered below. Consumers just have to use the tricks to compare insurance rates from multiple carriers.
The companies in the list below are ready to provide free quotes in Stockton, CA. If the list has multiple companies, we suggest you compare several of them to find the most competitive auto insurance rates.
Lower rate quotes with discounts
Properly insuring your vehicles can get expensive, but discounts can save money and there are some available to reduce the price significantly. Some discounts will apply at the time of purchase, but occasionally some discounts must be asked for before you get the savings.
- Military Deployment Discount – Having a family member in the military can result in better premium rates.
- Paperwork-free – A few insurance companies may give you up to $50 shop Stockton auto insurance on your computer.
- Discount for Life Insurance – Insurance carriers who offer life insurance give a discounted price on car insurance if you buy a life insurance policy as well.
- Student in College – College-age children who attend college more than 100 miles from Stockton and do not take a car to college could get you a discount.
- Sign Early and Save – Select insurance companies give a discount for signing up before your current expiration date. The savings is around 10%.
- Buy New and Save – Buying insurance on a new vehicle can save up to 30% since new model year vehicles have better safety ratings.
- Pay Now and Pay Less – If paying your policy premium upfront instead of making monthly payments you could save up to 5%.
- More Vehicles More Savings – Buying insurance for more than one vehicle on a single policy may reduce the rate for each vehicle.
- Own a Home – Just owning your own home can get you a discount because maintaining a house shows financial diligence.
As a footnote on discounts, some of the credits will not apply to the whole policy. Most only cut the price of certain insurance coverages like collision or personal injury protection. Despite the appearance that having all the discounts means you get insurance for free, it doesn’t quite work that way. But any discount will cut your overall bill.
To see a list of insurance companies that have a full spectrum of discounts in California, click this link.
Auto insurance is an important decision
Even though it’s not necessarily cheap to insure a Chevy in Stockton, insuring your vehicle may be required and benefits you in several ways.
First, most states have minimum liability requirements which means you are required to buy a specific level of liability insurance if you drive a vehicle. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if you have a loan on your car, almost all lenders will have a requirement that you buy full coverage to ensure they get paid if you total the vehicle. If the policy lapses, the bank will be required to insure your Chevy at a much higher premium rate and require you to reimburse them the higher price.
Third, insurance safeguards not only your Chevy but also your financial assets. Insurance will also pay for medical expenses that are the result of an accident. One of the most valuable coverages, liability insurance, also pays expenses related to your legal defense in the event you are sued. If you receive damage to your vehicle caused by a storm or accident, comprehensive and/or collision insurance will pay to restore your vehicle to like-new condition.
The benefits of insuring your car definitely exceed the price paid, especially if you ever need it. But the average American driver is overpaying more than $865 each year so it’s important to compare rates every year to ensure rates are inline.
Best auto insurance in California
Finding a good quality auto insurance provider can be difficult considering how many companies are available to choose from in California. The company rank data in the lists below could help you select which companies you want to consider comparing rate quotes with.
Top 10 Stockton Car Insurance Companies Ranked by Customer Service
- AAA of Southern California
- GEICO
- State Farm
- The Hartford
- Mercury Insurance
- The General
- Progressive
- Allstate
- AAA Insurance
- American Family
Top 10 Stockton Car Insurance Companies by A.M. Best Rank
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Local neighborhood Stockton car insurance agents
Many drivers just prefer to visit with an insurance agent and that can be a smart move Professional insurance agents can make sure you are properly covered and help submit paperwork. One of the best bonuses of getting online price quotes is you may find the best rates but still work with a licensed agent. And buying from local insurance agencies is important especially in Stockton.
After completing this short form, your information is submitted to participating agents in Stockton that give free quotes to get your business. You won’t need to search for an agent due to the fact that quote results will go instantly to you. If you wish to compare rates from a specific insurance provider, feel free to find their quoting web page to submit a rate quote request.
If you are searching for a local agent, you should know the different types of agents and how they can service your needs differently. Insurance agents in Stockton are either exclusive or independent. Either can write insurance policies, but we need to point out the differences because it can factor into your agent selection.
Independent Insurance Agents
Agents that elect to be independent are not restricted to one company and that enables them to quote your coverage with many different companies depending on which coverage is best. If they find a lower price, they simply switch companies in-house which makes it simple for you. When comparison shopping, we recommend you check rates from multiple independent agents so that you can do a thorough price comparison. A lot of them also have access to less well-known companies that may have much lower rates than larger companies.
The following is a short list of independent agents in Stockton that may be able to give price quotes.
- Nationwide Insurance: Larry Benson Insurance Agency Inc
4545 Georgetown Pl Ste A1 – Stockton, CA 95207 – (209) 337-0241 – View Map - Big Savings Insurance Agency, Inc
7153 Pacific Ave – Stockton, CA 95207 – (209) 956-2000 – View Map - Insurance Services of Stockton
1150 W Robinhood Dr # 1A – Stockton, CA 95207 – (209) 474-6174 – View Map
Exclusive Insurance Agencies
Exclusive agencies can only place business with one company and some examples include AAA, State Farm, Farmers Insurance, and Allstate. They generally cannot provide prices from multiple companies so you might not find the best rates. Exclusive agencies are usually well trained on their products and sales techniques which helps them sell insurance even at higher premiums. A lot of people buy from exclusive agents primarily because of high brand loyalty rather than low price.
The following is a short list of exclusive insurance agents in Stockton willing to provide price quotes.
- Allstate Insurance Agent: Confidence Plus Insurance Services
6852 Pacific Ave b – Stockton, CA 95207 – (209) 473-4403 – View Map - Farmers Insurance: Linda Uribe
2120 Pacific Ave – Stockton, CA 95204 – (209) 944-9400 – View Map - Farmers Insurance
6 W Main St # J – Stockton, CA 95202 – (209) 463-0267 – View Map
Finding the right car insurance agent should depend on more than just a low price. Before buying a policy in Stockton, get answers to these questions.
- Who is covered by the car insurance policy?
- Is the agent CPCU or CIC certified?
- Are aftermarket or OEM parts used to repair vehicles?
- When do they do a full risk review?
- Can they give you a list of client referrals?
- Do the coverages you’re quoting properly cover your vehicle?