Who Has Affordable Car Insurance for Real Estate Agents in San Jose?

For realtors, one of the more important considerations that aid in calculating auto insurance rates is where you choose to live. Regions with more people or even just more weather-related claims tend to have higher rates, whereas areas with fewer weather claims and lower vehicle theft rates have the gratification of cheaper auto insurance rates.

The illustration below shows the highest-priced places in California for real estate agents to purchase car insurance in. San Jose shows up at #18 with the yearly price of $1,437 for the average policy, which is around $120 each month.

How much does car insurance cost in San Jose, CA?
Rank City Premium Per Year
1 Glendale $2,121
2 Los Angeles $2,083
3 San Francisco $1,745
4 Oakland $1,687
5 Sacramento $1,652
6 San Bernardino $1,628
7 Long Beach $1,610
8 Santa Clarita $1,595
9 Garden Grove $1,570
10 Fontana $1,566
11 Stockton $1,556
12 Modesto $1,547
13 Riverside $1,542
14 Moreno Valley $1,536
15 Santa Ana $1,497
16 Anaheim $1,474
17 Fresno $1,457
18 San Jose $1,437
19 Huntington Beach $1,416
20 Fremont $1,403
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Premium amounts are approximated as the specific garaging location can decrease or increase premium rates considerably.

The make and model of vehicle requiring coverage is one of the largest considerations when comparing quotes for the most affordable insurance for real estate agents. Vehicles with reasonable performance levels, a plethora of safety features, or low incidents of liability claims will cost quite a bit less to insure than adrenaline junky models. The list below ranks auto insurance costs for a handful of the cheapest vehicles to buy coverage for.

Cheapest Vehicles to Insure in San Jose, CA
Make and Model Estimated Cost for Full Coverage
Hyundai Elantra GLS Touring Station Wagon $927
Ford Escape XLS 2WD $1,016
Honda CR-V EX-L 2WD $1,040
Ford Focus S 4-Dr Sedan $1,077
Ford Explorer Eddie Bauer AWD $1,118
Toyota Prius $1,131
Honda Accord EX-L 4-Dr Sedan $1,133
Jeep Wrangler Sport Islander Package 4WD 2-Dr $1,153
Toyota Tacoma X-Runner 2WD $1,155
GMC Sierra SLT Extended Cab 2WD $1,177
Volkswagen Jetta SE 4-Dr Sedan $1,184
Honda Odyssey Touring $1,177
Toyota RAV4 Sport 2WD $1,203
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Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Premium costs do not factor in zip code location which can affect price quotes significantly.

Looking at the data, we can tell that makes and models like the Hyundai Elantra, Ford Escape, Honda CR-V, and Ford Focus will be the most budget-friendly vehicles to insure for realtors.

Liability-only versus full coverage

Saving money on car insurance is the goal of most vehicle owners, and one of the easiest ways to lower the cost of insurance for real estate agents is to only buy liability coverage. The example below visualizes the comparison of insurance costs with full coverage and liability only. The prices are based on no claims or violations, $1,000 deductibles, single marital status, and no discounts are factored in.

Averaged out for all age groups, comprehensive and collision coverage on your policy costs $2,501 per year more than carrying just liability coverage. That is a big expense that brings up the question if buying full coverage is a good investment. There isn’t a written rule to delete full coverage, but there is a general convention. If the yearly cost of full coverage is more than around 10% of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.

Best car insurance in San Jose

Buying coverage from a high-quality auto insurance provider can be difficult considering how many companies sell insurance in San Jose. The ranking information in the next section could help you analyze which auto insurers you want to consider to insure your vehicles.

These rankings are for large insurance companies, so smaller companies are not taken into consideration for the list. To compare rates and find the cheapest rates for real estate agents, just click here.

San Jose, CA Car Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
AAA of Southern California 91 94 97 92% A+ 94.1
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Insure.com Best Car Insurance Companies

How to find low-cost auto insurance for real estate agents

It’s not impossible to find cheaper rates, and here are a few thrifty suggestions that can help you buy cheaper coverage.

The last idea is remarkably valuable, as was affirmed in the prior article. Insurance rates can change significantly in a year, so drivers shouldn’t be resistant to buy a different policy if a cheaper price is available. Brand loyalty is not necessarily bad, but it isn’t a good idea if that stubbornness costs you several hundred dollars every year. Now is a great time to shop around to find cheaper car insurance for real estate agents in San Jose.

The professional agents shown below are willing to help you make a decision which policy fits your needs best, as lots of people like to have some advice when trying to find lower insurance rates for realtors. It can be time-consuming to find the cheapest rates, so getting advice from a licensed California insurance agent can bring comfort knowing your policy gives you suitable coverage if you have an accident. To find an agent using an interactive map, click the button after the list.

Frank Kachkouche – State Farm Insurance Agent
901 S White RdSan Jose, CA 95127(408) 923-2073

Rachel Bhan – State Farm Insurance Agent
1625 N Capitol AveSan Jose, CA 95132(408) 272-2629

Art Holland – State Farm Insurance Agent
5520 Almaden ExpySan Jose, CA 95118(408) 229-7870

Farmers Insurance
1080 Minnesota Ave # 4San Jose, CA 95125(408) 294-4348

View more San Jose, CA insurance agencies