If you want to save the most money, the best way to find better pricing on Chrysler Town and Country insurance in San Jose is to do a yearly price comparison from companies in California. Rate comparisons can be done by following these guidelines.
Step 1: Read and learn about policy coverages and the measures you can control to prevent high rates. Many things that are responsible for high rates like multiple speeding tickets and a low credit rating can be rectified by making minor changes in your lifestyle. Read the full article for more details to help reduce prices and find overlooked discounts.
Step 2: Compare rates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only provide price estimates from a single company like Progressive or Farmers Insurance, while agents who are independent can quote rates from multiple companies.
Step 3: Compare the price quotes to your current policy premium to see if a cheaper price is available. If you find a better price, ensure coverage does not lapse between policies.
A crucial key to this process is to try to use the same level of coverage on every price quote and and to get prices from every insurance company. Doing this ensures an apples-to-apples comparison and a thorough price selection.
Astonishing but true, the vast majority of car insurance customers kept buying from the same company for a minimum of four years, and almost half have never quoted car insurance rates at all. The average driver in California could save as much as $469 a year, but they don’t believe the large savings they would see if they switched to a cheaper policy.
This information will introduce you to how to get online quotes and how to save the most money. If you already have coverage, you should be able to get lower rates using the concepts you’re about to learn. Nevertheless, California consumers must comprehend the way insurance companies charge you for coverage and use it to find better rates.
Lower-cost San Jose car insurance rates with discounts
Auto insurance companies don’t always list every discount they offer very clearly, so the following is a list of some of the more common and also the lesser-known car insurance savings. If you check and find you aren’t receiving every discount you qualify for, you are just wasting money.
- Accident-Free Discounts – Drivers who don’t have accidents are rewarded with significantly better rates on San Jose auto insurance quote when compared to bad drivers.
- Clubs and Organizations – Having an affiliation with specific professional or occupational memberships or organizations is a simple method to lower premiums on your next renewal.
- ABS Braking Discount – Vehicles with ABS braking systems or traction control can stop better under adverse conditions and therefore earn up to a 10% discount.
- Waiver for an Accident – Not necessarily a discount, but companies like State Farm and Allstate will forgive one accident before they charge you more for coverage so long as you haven’t had any claims for a set time period.
- Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a break if you buy a life insurance policy as well.
You should keep in mind that most credits do not apply to the whole policy. Most only apply to specific coverage prices like comprehensive or collision. Even though it appears it’s possible to get free car insurance, it doesn’t quite work that way.
The chart below compares Chrysler Town and Country insurance costs with and without discounts applied to the premium. The rate quotes are based on a male driver, no violations or accidents, California state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, claim-free, multi-car, multi-policy, and marriage discounts applied.
A list of car insurance companies and the discounts they provide are outlined below.
- Farm Bureau includes discounts for 55 and retired, youthful driver, multi-policy, driver training, renewal discount, multi-vehicle, and safe driver.
- Liberty Mutual offers discounts for multi-policy, good student, newly retired, exclusive group savings, safety features, multi-car, and new move discount.
- State Farm discounts include student away at school, safe vehicle, anti-theft, Drive Safe & Save, Steer Clear safe driver discount, accident-free, and multiple policy.
- Auto-Owners Insurance has savings for safe vehicle, paid in full, anti-theft, multi-policy, and safe driver.
- GEICO may include discounts for federal employee, membership and employees, anti-lock brakes, multi-policy, daytime running lights, driver training, and five-year accident-free.
- SAFECO offers discounts including drive less, bundle discounts, safe driver, anti-lock brakes, and teen safety rewards.
It’s a good idea to ask every prospective company to give you their best rates. Depending on the company, some discounts may not apply to policyholders in every state.
Low cost Chrysler Town and Country insurance prices in San Jose
To get inexpensive San Jose auto insurance quotes, there a variety of ways to get quotes from companies that offer auto insurance in California. The quickest method to compare rates involves getting comparison quotes online.
It’s so simple to compare auto insurance quotes online makes it obsolete to drive around to each insurance agency near you. Doing it all online eliminates this option unless you have a complicated situation and need the professional guidance that you can only get from talking to an agent. If you prefer, some companies allow you to compare online quotes and still use a local agent. When comparison shopping, comparing more prices increases the chance that you will find a lower rate than you’re paying now.
The companies in the list below have been selected to offer free rate quotes in San Jose, CA. If multiple companies are listed, we recommend you visit as many as you can to find the most competitive auto insurance rates.
Chrysler Town and Country insurance rates and statistics
The premium table shown next showcases detailed analysis of insurance premium costs for Chrysler Town and Country models. Having insight into how policy rates are established can be of help when making decisions on the best policy to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Town and Country LX | $296 | $480 | $360 | $22 | $108 | $1,266 | $106 |
| Town and Country Touring | $334 | $584 | $360 | $22 | $108 | $1,408 | $117 |
| Town and Country Signature | $334 | $584 | $360 | $22 | $108 | $1,408 | $117 |
| Town and Country Touring Plus | $334 | $584 | $360 | $22 | $108 | $1,408 | $117 |
| Town and Country Limited | $372 | $688 | $360 | $22 | $108 | $1,550 | $129 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Prices do not factor in specific San Jose garaging location which can modify insurance rates greatly.
Deductible comparison
When comparing auto insurance rates, the most common question is where should you set your physical damage deductibles. The comparison tables below highlight the rate difference between high and low coverage deductibles. The first price estimate table uses a $250 deductible for comp and collision and the second data table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Town and Country LX | $342 | $472 | $376 | $22 | $112 | $1,349 | $112 |
| Town and Country Touring | $386 | $576 | $376 | $22 | $112 | $1,497 | $125 |
| Town and Country Signature | $386 | $576 | $376 | $22 | $112 | $1,497 | $125 |
| Town and Country Touring Plus | $386 | $576 | $376 | $22 | $112 | $1,497 | $125 |
| Town and Country Limited | $430 | $678 | $376 | $22 | $112 | $1,643 | $137 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Town and Country LX | $210 | $298 | $376 | $22 | $112 | $1,018 | $85 |
| Town and Country Touring | $238 | $362 | $376 | $22 | $112 | $1,110 | $93 |
| Town and Country Signature | $238 | $362 | $376 | $22 | $112 | $1,110 | $93 |
| Town and Country Touring Plus | $238 | $362 | $376 | $22 | $112 | $1,110 | $93 |
| Town and Country Limited | $266 | $426 | $376 | $22 | $112 | $1,202 | $100 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Price estimates do not factor in specific location which can influence premium rates considerably.
Using the premium rates above, we can conclude that using a $250 deductible will cost you about $32 more each month or $384 each year than selecting the higher $1,000 deductible. Because you would be required to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to go more than 23 months between claims, you would probably come out ahead going with the higher deductible.
Comparison of full coverage and liability-only policies
The illustration below visualizes the comparison of Chrysler Town and Country insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. Data assumes no driving violations, no at-fault accidents, $500 deductibles, marital status is single, and no discounts are applied to the premium.
When to drop comp and collision
There is no set rule to delete physical damage coverage on your policy, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is more than 10% of replacement cost minus your deductible, then it might be time to consider dropping full coverage.
For example, let’s pretend your Chrysler Town and Country book value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most you would receive is $8,000 after paying your policy deductible. If it’s costing you more than $800 annually for full coverage, the it may be a good time to stop paying for full coverage.
There are some scenarios where dropping physical damage coverage is not a good plan. If you haven’t paid off your loan, you are required to maintain full coverage in order to keep the loan. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should not consider dropping full coverage.
Five Things That Affect Your Insurance Costs
Lots of factors are taken into consideration when you get your auto insurance bill. Some factors are common sense like your driving record, but some are not quite as obvious like your continuous coverage or how safe your car is. The best way to find cheaper auto insurance is to take a look at some of the things that aid in calculating your auto insurance rates. When you know what positively or negatively positively or negatively impacts your premiums, this enables you to make decisions that can help you get lower rates.
The factors shown below are some of the most common factors companies use to determine your premiums.
- Combine home and auto and save – Most companies will award better rates to insureds who carry more than one policy such as combining an auto and homeowners policy. Even if you qualify for this discount already, you still need to compare Chrysler Town and Country rates in San Jose to guarantee you are still saving the most.
- Save money with high credit – A driver’s credit history is a big factor in calculating your auto insurance rates. People that have very good credit scores tend to file fewer claims and have better driving records as compared to drivers with lower credit scores. If your credit history can use some improvement, you could potentially save money when insuring your Chrysler Town and Country by spending a little time repairing your credit.
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Insurance costs and driver gender – Statistics show that females tend to be a little less risky than males. It does not mean females are better at driving than males. Females and males have at-fault accidents at about the same rate, but guys cause more damage. Not only are claims higher, but men get cited for more serious violations like DUI and reckless driving. Males from age 16 to 21 cause the most accidents so it costs more to insure them.
The information below visualizes the comparison of Chrysler Town and Country auto insurance rates for male and female drivers. The rate quotes are based on no claims or driving violations, full coverage, $500 deductibles, drivers are not married, and no other discounts are factored in.
- Proper usage rating affects premiums – The more you drive your Chrysler annually the higher your rates will be. Most companies charge to insure your cars based on their usage. Autos not used for work or commuting cost less to insure than vehicles that have high annual mileage. Having an incorrect usage rating on your Town and Country is throwing money out the window. Verify your auto insurance policy is showing the correct usage for each vehicle, because it can save money.
- Safety ratings are a factor – Cars with high safety ratings can get you lower premiums. Vehicles engineered for safety have better occupant injury protection and fewer injuries means less claims paid which can result in lower premiums. If your Chrysler is rated at least four stars on Safercar.gov you are probably receiving a discount.
Which policy gives me the best coverage?
When selecting the right insurance coverage for your personal vehicles, there really is not a one-size-fits-all type of policy. Everyone’s needs are different.
For instance, these questions may help highlight if you would benefit from professional advice.
- If my pet gets injured in an accident are they covered?
- Do I need to file an SR-22 for a DUI in California?
- Do I really need UM/UIM coverage?
- Is my nanny covered when driving my vehicle?
- How does medical payments coverage work?
- Am I covered when driving a rental car?
- Does my insurance cover damage caused when ticketed for reckless driving?
- Should I sign the liability waiver when renting a car?
- Why am I required to get a high-risk car insurance policy?
- When would I need rental car insurance?
If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, simply complete this short form.
Car insurance agents can help
Many people still like to talk to an insurance agent and that is not a bad decision An additional benefit of getting online price quotes is that drivers can save money and get cheaper rates but also keep your business local. And providing support for neighborhood agents is definitely important in San Jose.
By using this short form, your information gets sent to insurance agents in San Jose that give free quotes and help you find cheaper coverage. It simplifies rate comparisons since you won’t have to leave your computer because prices are sent instantly to you. You’ll get the best rates and work with a local agent. If you want to get a comparison quote from one company in particular, you can always search and find their rate quote page and complete a quote there.
Choose the right car insurance agent
If you would like to find a local San Jose insurance agency, it’s important to understand the types of insurance agents and how they are slightly different. Agencies in San Jose may be either independent agents or exclusive agents.
Independent Auto Insurance Agents
These agents often have affiliation with several companies and that gives them the ability to insure with lots of companies and help determine which has the cheapest rates. If they find a lower price, your agent can just switch to a different company without you having to go to a different agency.
If you are trying to find cheaper rates, it’s recommended you contact at a minimum one independent agency to have the best price comparison.
Below is a partial list of independent agents in San Jose that may be able to give you free price quotes.
Taylor Benefits Insurance Agency
4820 Harwood Rd #130 – San Jose, CA 95124 – (408) 358-7502 – View Map
Nationwide Insurance: Nathan Douglas Gleason Agency
1625 The Alameda Ste 402 – San Jose, CA 95126 – (408) 656-0034 – View Map
Lords Insurance Agency Inc
2239 Moorpark Ave #100 – San Jose, CA 95128 – (408) 289-5445 – View Map
Exclusive Insurance Agencies
Agents in the exclusive channel normally can only provide a single company’s rates and examples are Allstate and State Farm. Exclusive agencies are unable to give you multiple price quotes so it’s a take it or leave it situation. Exclusive insurance agents are usually quite knowledgeable on sales techniques which helps offset the inability to provide other markets.
The following is a short list of exclusive insurance agents in San Jose that are able to give price quote information.
Joe Fiorentino – State Farm Insurance Agent
1153 Redmond Ave Ste C – San Jose, CA 95120 – (408) 927-7526 – View Map
Farmers Insurance
1080 Minnesota Ave # 4 – San Jose, CA 95125 – (408) 294-4348 – View Map
Frank Kachkouche – State Farm Insurance Agent
901 S White Rd – San Jose, CA 95127 – (408) 923-2073 – View Map
Finding the right car insurance agent should depend on more than just the premium amount. You should also get answers to these questions.
- Are they paid to recommend certain coverages?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Is there a Errors and Omissions policy in force?
- Is there a local claims center in San Jose?
- How much will you save each year by using a higher deductible?
Auto insurance does more than just protect your car
Even though San Jose Town and Country insurance rates can get expensive, insurance is most likely required but also gives you several important benefits.
First, the majority of states have compulsory liability insurance requirements which means state laws require specific limits of liability in order to license the vehicle. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if you bought your car with a loan, almost all lenders will make it mandatory that you carry insurance to ensure the loan is repaid in case of a total loss. If coverage lapses or is canceled, the lender will be forced to insure your Chrysler at a much higher rate and force you to pay much more than you were paying before.
Third, insurance protects not only your Chrysler but also your assets. Insurance will pay for most medical and hospital costs for you, your passengers, and anyone else injured in an accident. Liability coverage will also pay for a defense attorney if you are sued as the result of an accident. If damage is caused by hail or an accident, your auto insurance policy will pay to have it repaired.
The benefits of buying auto insurance are definitely more than the cost, especially when you need to use it. On average, a vehicle owner in San Jose is wasting up to $865 each year so you should quote rates at least once a year to help ensure money is not being wasted.
Be persistent to save money
As you quote San Jose auto insurance, it’s very important that you do not skimp on coverage in order to save money. There are a lot of situations where someone dropped liability limits or collision coverage only to regret at claim time that the savings was not a smart move. The aim is to buy a smart amount of coverage at the best possible price while not skimping on critical coverages.
We covered a lot of information how to shop for Chrysler Town and Country insurance online. The most important thing to understand is the more quotes you get, the higher the chance of saving money. Consumers could even find that the lowest rates are with a small mutual company.
Lower-priced insurance in San Jose is definitely available on the web and also from your neighborhood San Jose agents, so you should be comparing quotes from both to get a complete price analysis. A few companies don’t offer online quoting and many times these regional carriers sell through independent agents.
Additional resources
- Side Impact Crash Tests (iihs.org)
- What Insurance is Cheapest for Unemployed Drivers in San Jose? (FAQ)
- How Much are Auto Insurance Quotes for College Students in San Jose? (FAQ)
- How Much is San Jose Car Insurance for a Ford Explorer? (FAQ)
- Who Has Affordable Car Insurance Rates for 4×4 Vehicles in San Jose? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for Handicapped Drivers in San Jose? (FAQ)
- Who Has Cheap San Jose Auto Insurance for a Nissan Sentra? (FAQ)
- Who Has Affordable Car Insurance for Teenage Females in San Jose? (FAQ)
- Crash Avoidance Technologies FAQ (iihs.org)
- Credit and Insurance Scores (Insurance Information Institute)
- Insuring a Leased Car (Insurance Information Institute)
- Honda warning system reduces insurance claims (Insurance Institute for Highway Safety)