Who Has Affordable San Jose Auto Insurance Quotes for Postal Workers?

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For postal employees, one of the more important considerations that aid in calculating auto insurance rates is your zip code in San Jose. Larger areas tend to have higher rates, whereas areas with less congestion have the luxury of lower rates.

The next table shows the most expensive areas in California for postal workers in which to buy car insurance. San Jose shows up at #17 with an annual premium of $1,437 for car insurance, which is about $120 each month.

How much does auto insurance cost in San Jose?
Rank City Premium Per Year
1 Los Angeles $2,146
2 Glendale $2,058
3 San Francisco $1,711
4 Oakland $1,704
5 Sacramento $1,669
6 Stockton $1,603
7 San Bernardino $1,580
8 Long Beach $1,578
9 Garden Grove $1,554
10 Santa Clarita $1,548
11 Riverside $1,542
12 Moreno Valley $1,536
13 Modesto $1,532
14 Fontana $1,519
15 Fresno $1,502
16 Santa Ana $1,453
17 San Jose $1,437
18 Anaheim $1,430
19 Huntington Beach $1,416
20 Fremont $1,403
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Premium amounts are approximated as specific San Jose garaging address can impact premiums considerably.

The vehicle you are trying to insure is one of the primary factors that determines whether or not you find low-priced coverage for postal workers. Vehicles with high performance, poor crash test ratings, or a high likelihood of having liability claims will cost quite a bit more to insure than more modest models. The information below illustrates auto insurance premiums for a number of the more affordable vehicles to buy coverage for.

Cheapest Vehicles to Insure in San Jose, CA
Insured Vehicle Estimated Cost for Full Coverage
Honda CR-V LX 4WD $1,008
Jeep Wrangler Sport Islander Package 4WD 2-Dr $1,014
Ford Escape XLS 4WD $1,008
Honda Accord LX-P 4-Dr Sedan $1,036
Toyota Tacoma 2WD $1,067
Dodge Grand Caravan SXT $1,108
Ford F-150 XLT Regular Cab 2WD $1,140
Toyota Prius $1,149
Hyundai Sonata GLS 4-Dr Sedan $1,164
Honda Odyssey Touring $1,166
Chevrolet Impala LS $1,171
Ford Explorer XLT 4WD $1,166
Ford Edge SE AWD $1,175
Nissan Altima 3.5 SR 4-Dr Sedan $1,166
Ford F-350 XL Crew Cab King Ranch 2WD $1,185
GMC Sierra SL Extended Cab 2WD $1,188
Chevrolet Malibu LS $1,195
Ford Focus SE 2-Dr Coupe $1,222
Chevrolet Equinox LT 2WD $1,224
Toyota RAV4 2WD $1,230
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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 multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Price estimates do not factor in the specific area where the vehicle is garaged which can lower or raise prices substantially.

Looking at the numbers, models like the Honda CR-V, Jeep Wrangler, Ford Escape, and Honda Accord are most likely to be some of the most economical vehicles to insure for postal employees.

Establishing which company offers the most affordable insurance rates for postal workers will require more work than just picking a company at random. Every car insurance company has a unique approach to set their prices, so let's take a look at the insurance companies that tend to be cheaper in San Jose, CA.

It's a good idea to know that San Jose insurance rates are impacted by many factors that will increase or decrease your annual premium. Simply improving your credit, buying a home instead of renting, or getting a few speeding tickets can trigger price changes that can now make some companies cheaper than before.

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Cheapest California car insurance ranked by price
Rank Company Cost Per Year
1 USAA $1,155
2 Wawanesa $1,157
3 CSAA $1,186
4 Century National $1,214
5 Nationwide $1,263
6 21st Century $1,338
7 Grange $1,447
8 Mercury $1,533
9 Allied $1,541
10 Progressive $1,558
11 Allstate $1,559
12 GEICO $1,559
13 The Hartford $1,639
14 MetLife $1,654
15 Unitrin $1,733
16 State Farm $1,733
17 Esurance $1,739
18 Bristol West $1,777
19 Travelers $1,788
20 Farmers $2,026
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USAA normally has some of the lowest car insurance rates in San Jose at around $1,155 per year. This is $496 less than the average price paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide are also some of the cheaper San Jose, CA car insurance companies.

In the rate table above, if you buy coverage from CSAA and switched to USAA, you might realize a yearly price reduction of around $31. Customers with Century National could save as much as $59 a year, and Nationwide policyholders might reduce rates by $108 a year.

Remember that these policy rates are averaged for all insureds and vehicles and do not factor in a specific vehicle garaging location for postal workers. So the insurer that fits your needs best may not even be in the list above. That helps illustrate why you need to get quotes using your own personal information and vehicle type.

The chart below illustrates how your choice of deductibles can increase or decrease premium costs when trying to find cheap insurance for postal workers. The premiums are based on a married female driver, comprehensive and collision coverage, and no discounts are applied.

The chart above illustrates that a 50-year-old driver could reduce rates by $420 a year by changing from a $100 deductible up to a $500 deductible, or save $634 by switching to a $1,000 deductible. Even younger insureds, like the age 20 example, could possibly save $1,042 or even more just by using higher deductibles.

When insureds make the decision to increase the deductibles on their policy, it will be required to have enough savings to cover the extra out-of-pocket expense that is associated with using high deductibles.

Full coverage versus liability only rates

Saving money when shopping for insurance is important to the majority of vehicle owners, and one way to buy cheaper insurance for postal workers is to not insure for full coverage. The chart below illustrates the comparison of insurance premiums when comparing full coverage to liability only. The price estimates are based on no tickets, no at-fault accidents, $250 deductibles, marital status is single, and no additional discounts are factored in.

If we average the cost for ages 20 through 70, full coverage on your policy costs $3,093 per year over liability only. Lot's of drivers question if buying full coverage is a good investment. There isn't a written rule to eliminate physical damage insurance, but there is a general guideline. If the annual cost of your full coverage insurance is 10% or more of the vehicle's replacement cost less your deductible, then you may need to consider dropping full coverage.

There are some scenarios where buying only liability insurance is not recommended. If you haven't satisfied your loan, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can't afford to buy a different vehicle if your current one is totaled, you should not consider dropping full coverage.

You are probably paying too much for car insurance

San Jose insurance rates are impacted by many factors that control the price you pay. Turning one year older, moving to a new city, or getting a ticket for careless driving may prompt premium changes that can now make some companies affordable when they were higher priced. Not only may your risk profile change, but insurance companies modify rates every year or even multiple times each year to help ensure profitability. Higher than normal claim frequency or severity may cause increased rates, while lower claim expenses may produce lower-priced San Jose car insurance rates.

To illustrate this example, the chart below shows which companies have the cheapest car insurance in San Jose, CA for a 45-year-old male driver with a good driving record, no prior claims, and a high credit rating. When comparing rates based on his current risk factors, USAA might quote the cheapest car insurance rates in San Jose at $1,234 a year. This is $417 less than the average price paid by California drivers of $1,651. Wawanesa, CSAA, Nationwide, and Century National also make the list of the most affordable San Jose, CA auto insurance companies.

Let's now give the driver from the first set of rates an at-fault accident, bad credit, and a couple of points charged on his driving record. Since every insurance provider has their own process for determining prices, analyzing rate quotes will most likely result in a slightly different list of the cheapest car insurance companies in San Jose as shown below.

Mercury now has the lowest price in San Jose with Grange, Allstate, Progressive, and GEICO completing the list. This example demonstrates why it is so important to compare many different companies to find the most economical car insurance rates for postal workers.

Prices are calculated by many risk factors and can decrease or increase without notice, so the most affordable company the last time you compared rates may now be quite expensive.