Are you tired of overpaying and want more competitive Chevy Cobalt insurance in Stockton? Scraping up a payment for overpriced Chevrolet Cobalt insurance in Stockton can eat up your budget and possibly require you to analyze your spending habits.
Unthinkable but true, about 70% of customers kept their coverage with the same car insurance company for at least four years, and nearly half have never even compared rates from other companies. With the average premium in California being $1,390, drivers can save nearly $469 each year just by getting comparison quotes, but they don’t want to spend time to shop their coverage around. Insurance companies such as State Farm, Progressive and GEICO all claim big savings with ads and consumers find it hard to ignore the flashy ads and do the work needed to find the best deal.
If you have a current auto insurance policy or are looking for a new policy, use these tips to find the best rates while maintaining coverages. Locating the most cost-effective auto insurance policy in Stockton is not that difficult. Shoppers just need to use the most efficient way to compare prices from many companies at once.
The providers in the list below have been selected to offer comparison quotes in Stockton, CA. If the list has multiple companies, it’s highly recommended you visit two to three different companies to get the best price comparison.
Earn discounts on Stockton car insurance
Car insurance is not cheap, but companies offer discounts that can drop the cost substantially. Certain reductions will be credited at the time of purchase, but some discounts are required to be asked about before you will receive the discount.
- Discount for Home Ownership – Just being a homeowner may earn you a small savings because maintaining a house requires a higher level of personal finance.
- Telematics Data Discounts – Stockton drivers who agree to allow their company to analyze where and when they drive by using a telematic data system such as Drivewise from Allstate or Snapshot from Progressive could see a rate decrease as long as the data is positive.
- E-sign Discounts – Some of the larger companies will discount your bill up to fifty bucks for buying your policy on the web.
- Accident Forgiveness Coverage – This one is not really a discount per se, but companies like Progressive, Allstate, and Liberty Mutual will turn a blind eye to one accident before raising your premiums if you have no claims prior to being involved in the accident.
- Multiple Vehicles – Insuring more than one vehicle on a single policy can reduce the rates for all insured vehicles.
- Defensive Driving Course – Taking a defensive driving course is a good idea and can lower rates depending on where you live.
- Theft Prevention Discount – Cars equipped with anti-theft or alarm systems are stolen with less frequency and will qualify for a discount on a Stockton auto insurance quote.
Please keep in mind that most of the big mark downs will not be given to the overall cost of the policy. Most only cut specific coverage prices like medical payments or collision. So despite the fact that it appears you could get a free car insurance policy, companies don’t profit that way.
The chart below illustrates the comparison of Chevy Cobalt insurance costs with and without discounts applied to the rates. The premium estimates are based on a male driver, no accidents or driving violations, California state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, claim-free, multi-policy, marriage, and homeowner discounts applied.
The best car insurance companies and some of the discounts can be found below.
- Progressive has savings for online signing, homeowner, multi-vehicle, online quote discount, good student, continuous coverage, and multi-policy.
- Farmers Insurance offers discounts for youthful driver, distant student, teen driver, pay in full, switch companies, homeowner, and mature driver.
- Farm Bureau policyholders can earn discounts including 55 and retired, driver training, good student, youthful driver, multi-policy, safe driver, and renewal discount.
- State Farm offers discounts including good student, driver’s education, Steer Clear safe driver discount, Drive Safe & Save, good driver, and multiple policy.
- GEICO may offer discounts for membership and employees, five-year accident-free, seat belt use, multi-policy, and military active duty.
- SAFECO includes discounts for anti-theft, teen safety rewards, safe driver, homeowner, drive less, and anti-lock brakes.
- Liberty Mutual has discounts for newly retired, new graduate, new move discount, newly married, and preferred payment discount.
When comparing rates, check with each company or agent which discounts they offer. Some discounts listed above may not be available in your area. To view car insurance companies with the best Chevy Cobalt insurance discounts in Stockton, click here.
Rates and other information
The coverage table shown next outlines different prices for Chevy Cobalt models. Being aware of how auto insurance premiums are determined helps drivers make smart choices when comparing insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cobalt LS 4-Dr Sedan | $168 | $392 | $514 | $30 | $154 | $1,258 | $105 |
| Cobalt XFE 4-Dr Sedan | $168 | $392 | $514 | $30 | $154 | $1,258 | $105 |
| Cobalt LS 2-Dr Coupe | $192 | $392 | $568 | $34 | $170 | $1,356 | $113 |
| Cobalt XFE 2-Dr Coupe | $192 | $392 | $568 | $34 | $170 | $1,356 | $113 |
| Cobalt LT 4-Dr Sedan | $192 | $392 | $514 | $30 | $154 | $1,282 | $107 |
| Cobalt LT 2-Dr Coupe | $216 | $392 | $568 | $34 | $170 | $1,380 | $115 |
| Cobalt SS Turbo 2-Dr Coupe | $242 | $510 | $568 | $34 | $170 | $1,524 | $127 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Estimates do not factor in Stockton location which can lower or raise rates noticeably.
Physical damage deductibles
One of the most common insurance questions is what deductibles to buy. The following insurance rates can help you understand the difference in cost when you choose different coverage deductibles. The first rate quote example uses a $250 physical damage deductible and the second pricing table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cobalt LS 4-Dr Sedan | $298 | $678 | $500 | $30 | $150 | $1,681 | $140 |
| Cobalt XFE 4-Dr Sedan | $298 | $678 | $500 | $30 | $150 | $1,681 | $140 |
| Cobalt LS 2-Dr Coupe | $342 | $678 | $552 | $32 | $166 | $1,795 | $150 |
| Cobalt XFE 2-Dr Coupe | $342 | $678 | $552 | $32 | $166 | $1,795 | $150 |
| Cobalt LT 4-Dr Sedan | $342 | $678 | $500 | $30 | $150 | $1,725 | $144 |
| Cobalt LT 2-Dr Coupe | $386 | $678 | $552 | $32 | $166 | $1,839 | $153 |
| Cobalt SS Turbo 2-Dr Coupe | $430 | $882 | $552 | $32 | $166 | $2,087 | $174 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cobalt LS 4-Dr Sedan | $184 | $426 | $500 | $30 | $150 | $1,290 | $108 |
| Cobalt XFE 4-Dr Sedan | $184 | $426 | $500 | $30 | $150 | $1,290 | $108 |
| Cobalt LS 2-Dr Coupe | $210 | $426 | $552 | $32 | $166 | $1,386 | $116 |
| Cobalt XFE 2-Dr Coupe | $210 | $426 | $552 | $32 | $166 | $1,386 | $116 |
| Cobalt LT 4-Dr Sedan | $210 | $426 | $500 | $30 | $150 | $1,316 | $110 |
| Cobalt LT 2-Dr Coupe | $238 | $426 | $552 | $32 | $166 | $1,414 | $118 |
| Cobalt SS Turbo 2-Dr Coupe | $266 | $556 | $552 | $32 | $166 | $1,572 | $131 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Price information does not factor in specific location information which can modify auto insurance rates noticeably.
Based on this data, we can arrive at the conclusion that using a $250 deductible costs an average of $35 more each month or $420 for a full year averaged for all Cobalt models than choosing the higher $1,000 deductible. Since the policyholder would be required to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average more than 21 months between claim filings, you would probably save some money if you choose the higher deductible.
Poor driving habits will raise your insurance rates
The example below shows how speeding tickets and fender-benders impact Chevy Cobalt annual premium costs for different age groups of insureds. The price estimates are based on a single female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied to the premium.
Does full coverage make sense?
The example below illustrates the difference between Chevy Cobalt auto insurance rates when comparing full coverage to state minimum liability only. The data assumes no driving violations, no at-fault accidents, $100 deductibles, drivers are single, and no additional discounts are factored in.
Guidelines for dropping full coverage
There is no definitive guideline of when to phase out physical damage insurance, but there is a general guideline you can use. If the yearly cost for physical damage coverage is about 10% or more of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.
For example, let’s say your Chevy Cobalt settlement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would receive is $5,000 after the deductible is paid. If it’s costing in excess of $500 annually for comprehensive and collision coverage, then it could be time to drop full coverage.
There are some circumstances where dropping full coverage is not advised. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should not buy liability only.
Best auto insurance company in California
Choosing the best car insurance provider can be challenging considering how many choices you have in California. The rank data listed below can help you pick which insurers you want to consider when looking for cheaper rates.
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+
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
Informed Consumers Know How to Get Car Insurance for Less
Multiple criteria are part of the calculation when pricing auto insurance. Some factors are common sense such as your driving record, although some other factors are less obvious like your continuous coverage or your vehicle rating. When buying car insurance it’s important to understand some of the factors that help calculate car insurance rates. When you know what positively or negatively determines premiums, this helps enable you to make changes that can help you get cheaper rates.
Car insurance rates and age – Older, more experienced drivers are proven to be safer behind the wheel, cause fewer claims and accidents, and are safer drivers. Teen drivers tend to be inattentive and easily distracted when driving so they pay higher car insurance rates.
The following chart is based on a single driver, full coverage with $250 deductibles, and no discounts or violations.
Liability protection claims can be big – Your policy’s liability coverage is the coverage that protects you in the event that you are responsible for damages caused by your negligence. Your liability coverage provides for a legal defense which can cost thousands of dollars. This coverage is very inexpensive when compared to the cost of physical damage coverage, so drivers should buy more than the minimum limits required by law.
Reduce prices by staying claim free – If you file claims often, don’t be surprised to see either higher rates or even cancellation. Car insurance companies in California generally give lower rates to people who are not frequent claim filers. Your car insurance is designed for the bigger claims that can’t be paid out-of-pocket.
Raise coverage deductibles and save – Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, helps pay for damage to your vehicle. Some examples of claims that would be covered are a broken side mirror, collision with an animal, and rolling your vehicle. Comprehensive and collision coverage deductibles tell how much you are willing to pay out-of-pocket before your car insurance pays a claim. The more of the claim the insured has to pay upfront, the better rate you will receive.
Does your job raise your prices? – Did you know your car insurance rates can be affected by your occupation? Occupations such as doctors, social workers, and emergency personnel have the highest average rates attributed to high stress and incredibly demanding work hours. Conversely, occupations like farmers, athletes and retirees pay lower than average rates.
Safer cars means lower prices – Cars with five star safety ratings are cheaper to insure. Highly rated vehicles reduce the chance of injuries and fewer serious injuries translates directly to fewer claims passed on to you as lower rates.
The type of vehicle makes a difference – The type of car, truck or SUV you are trying to find cheaper insurance for makes a significant difference in your premium level. Low performance passenger cars usually are quite affordable to insure, but your final cost has many other factors.
The chart below is based on a single female driver age 40, full coverage with $100 deductibles, and no discounts or violations. It compares Chevrolet Cobalt insurance premiums compared to other vehicles that have different performance risks.