One of the more important considerations that are used to help calculate the cost of insurance is where your residence is in San Jose. Areas with a lot of weather claims or more people tend to pay slightly more, whereas areas with less congestion benefit from lower coverage costs.
The illustration below rates the most expensive cities in California for handicapped drivers in which to purchase auto insurance. San Jose is ranked #18 having an annual price of $1,437 for the average insurance policy, which is about $120 each month.
|Rank||City||Premium Per Year|
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Price information shown is estimated as the specific zip code location can influence auto insurance rates significantly.
Comparing rates for low-priced insurance is not most people’s favorite thing to do, and determining which insurers offer the best car insurance rates for handicapped drivers will involve even more work.
Each insurance company has a proprietary method for determining rates in each state, so first let’s look at the rankings for the car insurance companies with the overall cheapest rates in San Jose.
Cheapest Insurance Rates in California
|Rank||Company||Cost Per Year|
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USAA has some of the most affordable car insurance rates in San Jose at around $1,109 each year. This is $542 less than the average premium paid by California drivers of $1,651. CSAA, Wawanesa, Century National, and Nationwide also are some of the cheapest San Jose, CA auto insurance companies.
In this example, if you currently buy coverage from CSAA and switched to USAA, you may realize yearly savings of approximately $77. Policyholders with Wawanesa may save as much as $83 a year, and Century National policyholders might see rate reductions of $105 a year.
To get a fast rate comparison, click here to start a quote or quote prices from the following companies.
Bear in mind that those estimates are averaged across all types of drivers and the different vehicles they drive and and are not figured with a specific location for handicapped drivers. So the car insurance company that has the cheapest price for you may not even be in the list above. That emphasizes why you need to quote rates from many companies using your own driver information and specific vehicle type.
The vehicle that is being insured is a large consideration when comparison shopping for cheap insurance for handicapped drivers. Vehicles with economical engines, good crash test ratings, or a low likelihood of having liability claims will cost less to insure than fast, unsafe models. The information below features insurance prices for a handful of the most budget-friendly automobiles to buy insurance for.
|Insured Vehicle||Estimated Cost for Full Coverage|
|Honda CR-V EX 4WD||$876|
|Ford Escape XLS 4WD||$966|
|Honda Odyssey EX W/Rear Entertainment||$995|
|Ford Focus SE 4-Dr Sedan||$1,005|
|Ford Explorer Limited 4WD||$1,035|
|Toyota Tacoma Double Cab 4WD||$1,043|
|Honda Accord EX-L 4-Dr Sedan||$1,045|
|Nissan Altima 2.5 S 4-Dr Sedan||$1,071|
|Chevrolet Impala LS||$1,087|
|Chevrolet Malibu LTZ||$1,089|
|GMC Sierra 2500HD SLE Extended Cab 4WD||$1,096|
|Ford Edge Limited 2WD||$1,119|
|Nissan Rogue SL AWD||$1,144|
|Toyota RAV4 Limited 4WD||$1,154|
|Chevrolet Equinox LS AWD||$1,144|
|Toyota Camry Hybrid||$1,162|
|Dodge Grand Caravan SXT||$1,169|
|Honda Civic EX 4-Dr Sedan||$1,171|
|Toyota Corolla S||$1,173|
|Jeep Grand Cherokee Limited 2WD||$1,194|
|GMC Sierra SLT Extended Cab 2WD||$1,199|
|Hyundai Elantra GLS 4-Dr Sedan||$1,196|
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Data rating is based on 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, homeowner, multi-policy, safe-driver, and multi-vehicle. Prices do not factor in San Jose, CA location which can influence auto insurance rates considerably.
Based upon the table data, you can presume that cars like the Honda CR-V, Ford Escape, Honda Odyssey, Ford Focus, and Ford Explorer are most likely going to be a few of the most economical vehicles to insure for drivers with handicaps.
How to get discounts on San Jose insurance rates
Car insurance companies that offer quotes for handicapped drivers may also offer premium discounts that may potentially lower prices by 35% or more if you qualify for them. Larger car insurance companies and some of the discounts are outlined below.
- Progressive offers discounts including multi-policy, good student, continuous coverage, multi-vehicle, homeowner, and online quote discount.
- MetLife discounts include claim-free, multi-policy, good student, good driver, defensive driver, and accident-free.
- Mercury Insurance may include discounts for good driver, ease of repair, anti-theft, accident-free, multi-policy, and multi-car.
- Nationwide has savings for defensive driving, good student, anti-theft, multi-policy, family plan, and accident-free.
- GEICO policyholders can earn discounts including military active duty, emergency military deployment, air bags, anti-theft, defensive driver, and seat belt use.
- AAA offers premium reductions for good driver, education and occupation, multi-policy, pay-in-full, multi-car, and good student.
The diagram below illustrates the comparison of auto insurance rates with and without discounts being applied to the rates. Data assumes a female driver, a clean driving record, no claims, California state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows the price with no discounts. The second shows the rates with accident-free, multiple vehicle, safe-driver, claim-free, anti-theft, and passive restraint discounts applied. When discounts are factored in, theaverage yearly reduction on car insurance for handicapped drivers is 28% or $493.
The illustration below shows how choosing a deductible can raise or lower insurance prices when searching for cheap insurance for handicapped drivers. The premiums assume a married female driver, comp and collision included, and no discounts are applied.
As shown above, a 30-year-old driver could cut expenses by $350 a year by changing from a $100 deductible to a $500 deductible, or save $530 by using a $1,000 deductible. Younger drivers, such as the 20-year-old example, could roll back prices $750 each year by choosing a larger deductible amount.
If you do raise deductibles, it will be necessary to have plenty of money set aside to enable you to pay the extra out-of-pocket expense that comes with higher deductibles.
Why you should be comparing rates
San Jose car insurance rates are impacted by many things that will increase or decrease the cost of your policy. Improving your credit rating, buying a home instead of renting, or getting a speeding ticket can trigger rate changes that can make some companies cheaper than others. Not only may your situation change, but insurance companies file new California auto insurance rates every year in order to offset underwriting gains or losses. Heavy losses may result in additional price hikes, while a better claims history can cause lower-cost San Jose car insurance rates.
To help illustrate this point, the data below demonstrates which company has the cheapest car insurance in San Jose, CA for a 35-year-old female driver with a clean driving record, no accidents, and a good credit history. If we compare prices based on her personal risk profile, USAA offers the best car insurance rates in San Jose at $1,205 per year. This is $446 less than the average rate paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are also included in the most affordable San Jose, CA auto insurance companies.
Now we will pretend the driver from the first example a claim or two, a lower credit rating, and an imperfect driving record. Due to the fact that every auto insurer has their own formula to determining premium rates, comparing rates may now present a different ranking of affordable San Jose car insurance companies as shown below.
Grange now has the cheapest car insurance in San Jose, CA with Progressive, GEICO, Allstate, and Mercury completing the list. This example shows why California drivers need to compare as many rates as possible when trying to find cheap car insurance rates for handicapped drivers.
Auto insurance prices are calculated by many factors and can change without notice, so the most economical option three years ago may now not even be in the top five.
If you have coverage questions and would like to have a professional recommendation when shopping around for cheaper insurance for handicapped drivers, the agents shown below can help you make a decision which coverage fits your budget. To find a San Jose insurance agent nearest to you, click the button at the bottom of the list or click here to compare prices now.
- Tami Pratt – State Farm Insurance Agent
360 Kiely Blvd #125 – San Jose, CA 95129 – (408) 247-6800
- Allstate Insurance: Phuong Tran
510 N 1st St Ste 224 – San Jose, CA 95112 – (408) 993-9898
- Farmers Insurance – Jeff Senigaglia
950 S Bascom Ave #2113 – San Jose, CA 95128 – (408) 297-6686
- HealthMarkets Insurance Agency
543 W Capitol Expy – San Jose, CA 95136 – (408) 441-7777
- Mike Murillo – State Farm Insurance Agent
1449 Park Ave #3 – San Jose, CA 95126 – (408) 295-0554
How to find cheaper insurance for handicapped drivers
The list below summarizes some of the recommended money-saving solutions that can help California drivers locate lower-cost coverage.
- Save money by bundling your home and auto policies
- Safe vehicles generally have lower rates
- Avoid having at-fault accidents
- Save money by observing traffic laws and speed limits
- Pay for small claims rather than turning them in to your insurance company
- Drop full coverage on older vehicles
- Compare quotes from other companies often
The final tip is extraordinarily important, as was stressed in this piece. Prices charged by auto insurers go up and down frequently, so don’t be tentative to switch to a new company if a better rate can be found.
Sticking with a specific company is fine, but it isn’t a good idea if that devotion results in you overpaying big bucks every year. Now is a great time to compare rates to find cheaper insurance for handicapped drivers in San Jose.