Locating cheaper insurance for your Lexus LFA in California can be a lot of work, but you can use these tips to make it easier.
There is a better way to compare car insurance rates so you're going to learn the quickest way to quote coverages for a Lexus and find the lowest possible price from San Jose insurance agents and online providers.
Unfortunately, the vast majority of drivers have remained with the same car insurance company for four years or more, and just under half have never compared rates from other carriers. Consumers in San Jose could save $470 each year just by comparing rates, but they mistakenly think it's difficult to compare rates online.
If you have coverage now or are looking for a new policy, you can learn to save money while maintaining coverages. Comparison shopping for the cheapest auto insurance coverage in San Jose is quite easy. Drivers only need an understanding of the most efficient way to get comparison quotes using one simple form.
The auto insurance companies shown below can provide price quotes in San Jose, CA. If multiple providers are shown, we suggest you get price quotes from several of them in order to get a fair rate comparison.
Do I need a local insurance agent?
Some consumers just want to buy from a licensed agent and that can be a smart move Agents can help you build your policy and help you file claims. The biggest benefit of getting online price quotes is you may find cheap auto insurance rates but also keep your business local. And supporting neighborhood agents is still important in San Jose.
To help locate an agent, after submitting this short form, the quote information gets sent to insurance agents in San Jose that give free quotes for your insurance coverage. There is no need to search for any insurance agencies since price quotes are sent directly to you. If you have a need to get a rate quote for a specific company, don't hesitate to go to their quote page to submit a rate quote request.
Types of auto insurance agents
If you prefer to buy auto insurance from a reliable insurance agent, it helps to know the two different agency structures and how they are slightly different. Auto insurance agencies can be classified as either exclusive agents or independent agents. Either can handle auto insurance, but it is a good idea to know the subtle differences since it could factor into your agent selection.
Independent Auto Insurance Agents (or Brokers)
Agents that choose to be independent are not restricted to one company so they can insure your vehicles with multiple insurance companies and find you cheaper rates. If they quote lower rates, they simply move your policy to a different company and the insured can keep the same agent.
When comparing rates, you absolutely need to get insurance quotes from at least one independent agent to maximize your price options. They often place coverage with less well-known companies that many times have cheaper rates.
Featured below is a partial list of independent agents in San Jose that can possibly get you free auto insurance quotes.
- Harrington Insurance Agency
6920 Santa Teresa Blvd #101 - San Jose, CA 95119 - (408) 754-9000 - View Map
- HealthMarkets Insurance Agency
543 W Capitol Expy - San Jose, CA 95136 - (408) 441-7777 - View Map
- Gatewood Insurance Agency Inc
1095 Bird Ave #2 - San Jose, CA 95125 - (408) 298-1611 - View Map
Exclusive Auto Insurance Agents
These agents can only place business with one company like State Farm, AAA, Farmers Insurance or Allstate. They usually cannot provide prices from multiple companies so they really need to provide good service. Exclusive agents are trained well on their company's products and that allows them to sell at a higher price point. Some insured continue to buy from the same agent for years mostly because of the prominent brand name rather than having the cheapest rates.
Shown below are San Jose exclusive insurance agents who can help you get comparison quotes.
- Farmers Insurance
1080 Minnesota Ave # 4 - San Jose, CA 95125 - (408) 294-4348 - View Map
- Farmers Insurance - Jeff Senigaglia
950 S Bascom Ave #2113 - San Jose, CA 95128 - (408) 297-6686 - View Map
- Dick Alesch - State Farm Insurance Agent
164 N Bascom Ave a - San Jose, CA 95128 - (408) 918-0877 - View Map
Picking the best auto insurance agent requires more thought than just a cheap price quote. You should also get answers to these questions.
- How will an accident affect your rates?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- What will you get paid if your car is a total loss? How is that amount determined?
- How much can you save by raising your physical damage deductibles?
- Do they feel the quoted coverages are adequate?
- Is there a 24/7 contact number?