Want to know how to find low-cost Chevy Captiva Sport insurance in San Jose? Are you burned out from sacrificing other expenses to pay auto insurance each month? You are in the same boat as millions of other drivers.
We don’t have to tell you that auto insurance companies don’t want you quoting rates from other companies. Insureds who shop around for a cheaper policy are inclined to switch companies because there are good odds of getting low-cost coverage. Remarkably, a study showed that people who routinely compared rates saved over $3,500 over four years compared to drivers who never shopped around for cheaper prices.
If finding low prices for Chevy Captiva Sport insurance in San Jose is why you’re here, then learning about the best way to quote and compare car insurance can save money and time. Lots of insurers contend for your insurance dollar, and it can be difficult to compare rates to find the absolute best rate on Chevy Captiva Sport insurance in San Jose.
Smart consumers take time to take a look at other company’s rates at least once a year because prices trend upward over time. Even if you think you had the best deal on Chevy Captiva Sport insurance in San Jose on your last policy there is a good chance you can find better rate quotes now. Forget anything you know (or think you know) about auto insurance because you’re going to learn one of the easiest ways to remove unneeded coverages and save money.
If you have a policy now or just want cheaper rates, use these cost-cutting techniques to get lower rates without sacrificing coverage. Locating the best rates in San Jose can be much easier if you know how to start. Comparison shoppers just have to understand the most efficient way to compare rates from many different companies online.
Companies offering Chevy Captiva Sport insurance in California
The companies shown below offer free quotes in San Jose, CA. If the list has multiple companies, it’s highly recommended you click on several of them to get the best price comparison.
Chevy Captiva Sport insurance discounts in San Jose
Companies don’t always list every discount in a way that’s easy to find, so the list below details some of the more common as well as some of the hidden credits that may apply to you.
- Accident Free – San Jose drivers who stay claim-free have much lower rates in comparison with drivers who are more careless.
- Professional Memberships – Being a member of a professional or civic organization is a simple method to lower premiums on your next renewal.
- Savings for New Vehicles – Buying a new car model may earn a small discount due to better safety requirements for newer models.
- Theft Prevention System – Cars that have factory anti-theft systems are stolen less frequently and will qualify for a discount on a San Jose auto insurance quote.
- Military Rewards – Being on active duty in the military can result in better premium rates.
- Paper-free Discount – Certain larger companies will give a small break for buying your policy on the web.
While discounts sound great, it’s important to understand that most discounts do not apply to the entire policy premium. Most only reduce specific coverage prices like comprehensive or collision. Despite the fact that it seems like it’s possible to get free car insurance, you won’t be that lucky.
A few of the larger companies and some of the premium reductions they offer can be found below.
- State Farm includes discounts for driver’s education, Drive Safe & Save, accident-free, passive restraint, good driver, and multiple autos.
- GEICO has savings for emergency military deployment, good student, multi-vehicle, multi-policy, federal employee, and seat belt use.
- Liberty Mutual discounts include multi-car, teen driver discount, exclusive group savings, new vehicle discount, preferred payment discount, new move discount, and newly married.
- The Hartford has discounts for good student, defensive driver, air bag, anti-theft, driver training, bundle, and vehicle fuel type.
- MetLife offers discounts including multi-policy, good student, accident-free, good driver, claim-free, defensive driver
- Progressive policyholders can earn discounts including good student, online quote discount, multi-vehicle, multi-policy, online signing, continuous coverage, and homeowner.
If you need cheaper San Jose auto insurance quotes, ask every prospective company which credits you are entitled to. Savings may not apply to policyholders everywhere. If you would like to choose from a list of companies who offer online Chevy Captiva Sport insurance quotes in San Jose, click here.
The Chevy Captiva Sport Insurance Cost Equation
Part of the car insurance buying process is learning the rating factors that help calculate your car insurance rates. If you have some idea of what determines base rates, this helps enable you to make changes that may result in lower rates.
Shown below are some of the major factors utilized by car insurance companies to help set rates.
Lower performance equals lower insurance rates – The performance level of the car you are insuring makes a huge difference in the rate you pay. Lower performance four cylinder passenger cars usually have the lowest rates, but other factors influence the final cost greatly.
Being married equates to better costs – Getting married can get you a discount when buying car insurance. Marriage demonstrates that you tend to be more mature than a single person and it’s proven that drivers who are married are more cautious.
Qualify for multi-policy discounts – Some insurance companies provide better rates to buyers that purchase more than one policy. It’s known as a multi-policy discount. The amount of the discounts can be ten percent or more. If you currently are using one company, you still need to comparison shop to ensure the best deal.
Save money with good credit – Your credit score is a large factor in calculating your car insurance rates. If your credit rating can be improved, you could save money insuring your Chevrolet Captiva Sport by improving your credit score. Insureds that have excellent credit tend to be better risks to insure than drivers with lower ratings.
Chevy Captiva Sport claim statistics – Companies use claims history when determining insurance prices. Models that historically have a higher amount or frequency of claims will cost more to insure. The table below shows the insurance loss data for Chevy Captiva Sport vehicles.
For each insurance policy coverage type, the claim probability for all vehicles, without regard to make or model, is a value of 100. Values that are under 100 suggest a positive loss record, while percentage values above 100 point to more losses or an increased likelihood of larger losses.
|Vehicle Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Chevrolet Captiva Sport 4dr 2WD||89||95||88||123||115||105|
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
When in doubt talk to an agent
When it comes to choosing coverage online or from an agent, there really is no one-size-fits-all type of policy. Your needs are unique to you and your car insurance should unique, too.
For instance, these questions might point out if your insurance needs might need professional guidance.
- Why am I required to buy high-risk coverage?
- Am I missing any policy discounts?
- Can I rent a car in Mexico?
- Should I carry comprehensive and collision coverage?
- How high should deductibles be on a Chevy Captiva Sport?
- Is business property covered if stolen from my car?
- What are the best liability limits?
- Does liability extend to a camper or trailer?
- Why does it cost so much to insure a teen driver in San Jose?
- What is the difference between comprehensive and collision coverage?
If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and can provide invaluable advice.
Local San Jose car insurance agents
Some consumers would prefer to get advice from a local agent and that is not a bad decision Good agents will help you protect your assets and help submit paperwork. An additional benefit of comparing rate quotes online is you may find the lowest rates but also keep your business local. And buying from local agencies is important particularly in San Jose.
Upon completion of this short form, the quote information is sent to participating agents in San Jose who will give you bids for your insurance coverage. It makes it easy because there is no need to leave your computer because prices are sent to you instantly. If you need to quote rates from a specific insurance provider, don’t hesitate to find their quoting web page and submit a quote form there.
When looking for local San Jose agents, there are two different types of agencies that you can select. Agents are considered either exclusive or independent agents depending on their company appointments. Either type can sell affordable insurance policies, but it’s good to learn the difference between them since it may influence which agent you choose.
Independent Agents (or Brokers)
Independent agents often have many company appointments and that gives them the ability to insure with multiple insurance companies and potentially find a lower price. If they find a lower price, they can switch companies in-house and you don’t have to switch agencies. If you are comparing rate quotes, you absolutely need to check rates from several independent insurance agents for the best price selection.
Featured below is a short list of independent insurance agents in San Jose that may be able to give comparison quotes.
LNA Insurance Agency Inc
999 Story Rd – San Jose, CA 95122 – (408) 280-5815 – View Map
Agents in the exclusive channel can usually just insure with one company and examples are Allstate, State Farm and Farm Bureau. Exclusive agents cannot provide other company’s prices so you need to shop around if the rates are high. Exclusive agents are usually quite knowledgeable on their company’s products and that enables them to sell even at higher rates.
The following is a short list of exclusive insurance agencies in San Jose willing to provide price quotes.
Dick Alesch – State Farm Insurance Agent
164 N Bascom Ave a – San Jose, CA 95128 – (408) 918-0877 – View Map
Selecting an insurance agent is decision based upon more than just the bottom line cost. You should also get answers to these questions.
- How many years of experience in personal auto insurance do they have?
- Do you qualify for any additional discounts?
- Will the company cover a rental car if your car is getting fixed?
- What company do they have the most business with?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
After getting good feedback for all questions you ask as well as a affordable price, it’s a good possibility that you have found an insurance agency that meets your needs to properly service your insurance policy. Just be aware that you are entitled to terminate your policy whenever you want so don’t assume that you’re stuck with a policy for any length of time.
Cheaper car insurance rates are possible
Some companies may not have price quotes online and many times these regional carriers prefer to sell through local independent agents. Cheaper Chevy Captiva Sport insurance in San Jose can be sourced both online and from local agencies, and you should compare rates from both to have the best chance of lowering rates.
When you buy San Jose auto insurance online, make sure you don’t sacrifice coverage to reduce premiums. There are too many instances where an accident victim reduced full coverage only to regret that a couple dollars of savings turned into a financial nightmare. The goal is to get the best coverage possible at the best possible price while not skimping on critical coverages.
Steps to quoting cheaper Chevy Captiva Sport insurance in San Jose
To save the most money, the best way to get more affordable Chevy Captiva Sport insurance is to compare prices regularly from companies who provide car insurance in San Jose.
First, try to learn about car insurance and the things you can change to prevent high rates. Many policy risk factors that result in higher prices like accidents, traffic tickets, and an unacceptable credit history can be amended by being financially responsible and driving safely.
Second, obtain price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give rate quotes from a single company like Progressive and State Farm, while agents who are independent can provide price quotes for a wide range of insurance providers.
Third, compare the new rate quotes to your existing policy to determine if switching companies saves money. If you can save money and make a switch, ensure there is no coverage lapse between policies.
Fourth, provide written notification to your current company to cancel your existing policy and submit a completed application and payment to your new carrier. Once received, store the certificate verifying coverage in your vehicle’s glove compartment or console.
An important bit of advice to remember is that you’ll want to compare identical coverage information on each quote request and and to get prices from as many different companies as possible. This helps ensure a fair rate comparison and a good representation of prices.
Much more information about car insurance in California is available at the links below
- Anti-Lock Brake FAQ (iihs.org)
- Who Has the Cheapest San Jose Auto Insurance Quotes for Single Moms? (FAQ)
- Who Has Affordable Auto Insurance for Drivers Under 21 in San Jose? (FAQ)
- Who Has Cheap San Jose Car Insurance Quotes for Electric Cars? (FAQ)
- Who Has Cheap Car Insurance Quotes for Seniors in San Jose? (FAQ)
- Who Has Affordable San Jose Auto Insurance for Infrequent Drivers? (FAQ)
- Older Drivers FAQ (iihs.org)
- Collision Coverage (Liberty Mutual)
- Distracted Driving (Insurance Information Institute)
- Smart Auto Insurance Tips (Insurance Information Institute)