Compare Toyota Yaris Insurance Rates in San Jose

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Insurance rates Toyota Yaris in San JoseThe best way we recommend to get affordable Toyota Yaris insurance in San Jose is to compare prices once a year from insurance carriers in California. Prices can be compared by completing these steps.

  • Step 1: Try to learn about auto insurance and the changes you can make to lower rates. Many rating criteria that result in higher rates such as traffic citations and poor credit can be remedied by making minor driving habit or lifestyle changes. This article gives tips to help prevent expensive coverage and find additional discounts you may qualify for.
  • Step 2: Request price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only provide price estimates from a single company like GEICO or State Farm, while independent agencies can quote rates from many different companies.
  • Step 3: Compare the new rates to your current policy to see if you can save by switching companies. If you find better rates and buy the policy, verify that coverage does not lapse between policies.
  • Step 4: Notify your current company to cancel your existing policy. Submit payment along with a signed and completed policy application to your new insurance company. Make sure you keep the new certificate verifying coverage above your visor, in the console, or in the glove compartment.

The most important part of this process is that you'll want to make sure you compare similar deductibles and liability limits on each price quote and and to look at as many different companies as possible. Doing this ensures the most accurate price comparison and a complete price analysis.

Unthinkable but true, the vast majority of car insurance customers kept buying from the same company for a minimum of four years, and practically 40% of car insurance customers have never compared quotes from other companies. With the average car insurance premium being $1,400, San Jose drivers can save up to $470 each year by just comparing quotes, but they just don't want to find cheaper insurance by shopping around.

If you have a current car insurance policy, you will definitely be able to cut your premiums using the ideas presented in this article. Locating the best car insurance coverage in San Jose is not as hard as you think. But California vehicle owners must comprehend how big insurance companies determine premium rates and take advantage of how the system works.

When price shopping your coverage, comparing more prices will improve the odds of getting a better price.

The following companies are ready to provide quotes in California. If multiple companies are listed, we suggest you visit two to three different companies to get the lowest price.

Cheaper Toyota Yaris insurance quotes in San Jose

Some insurance providers don't necessarily list every discount available very well, so the below list has both well-publicized in addition to some of the lesser obvious discounts that may be available. If you do not double check each discount available, you may be paying too high a price.Cheaper auto insurance with discounts

  • Student Discount for Driver Training - Reduce the cost of insurance for teen drivers by having them complete a driver education course as it will make them better drivers and lower rates.
  • Responsible Driver Discounts - Drivers who avoid accidents can pay as much as 50% less than less cautious drivers.
  • Paperless Signup - Some auto insurance companies may give you up to $50 for completing your application over the internet.
  • San Jose Homeowners Pay Less - Just owning your own home may trigger a policy discount on auto insurance because it is proof of financial responsibility.
  • Senior Citizens - Seniors could receive better auto insurance rates.
  • Student Discounts - Excelling in school may save as much as 25% on a San Jose car insurance quote. This discount can apply up to age 25.
  • Telematics Data - Insureds who allow their company to scrutinize driving manner by using a small device installed in their vehicle such as Snapshot from Progressive or Drivewise from Allstate could possibly reduce rates if their driving habits are good.
  • Drive Less and Save - Driving less can qualify you for slightly better auto insurance rates than normal.
  • New Car Discount - Buying a new car instead of a used Yaris can save up to 30% due to better safety requirements for new vehicles.

Discounts save money, but please remember that most discount credits are not given to the whole policy. Most cut specific coverage prices like liability and collision coverage. Just because it seems like all the discounts add up to a free policy, you're out of luck. Any qualifying discounts will definitely reduce your overall bill.

The chart below illustrates the difference between Toyota Yaris insurance rates with and without discounts applied to the premium. The data is based on a female driver, no driving violations, no at-fault accidents, California state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, homeowner, multi-policy, claim-free, and safe-driver discounts applied.

To locate insurance companies who offer auto insurance discounts in San Jose, follow this link.

Data for Toyota Yaris insurance

The price information displayed below highlights different coverage prices for Toyota Yaris models. Having a better idea how insurance quotes are established can help customers make informed decisions when comparing rate quotes.

Toyota Yaris Insurance Rates in San Jose, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Yaris 2-Dr Hatchback $208 $454 $524 $32 $156 $1,374 $115
Yaris 4-Dr Hatchback $208 $454 $464 $28 $138 $1,292 $108
Yaris 4-Dr Sedan $208 $454 $464 $28 $138 $1,292 $108
Yaris S 2-Dr Hatchback $238 $454 $524 $32 $156 $1,404 $117
Yaris S 4-Dr Hatchback $238 $454 $464 $28 $138 $1,322 $110
Yaris S 4-Dr Sedan $238 $454 $464 $28 $138 $1,322 $110
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Data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Rates do not factor in specific San Jose garaging location which can affect premium rates considerably.

Should you raise deductibles?

When comparing insurance rates, the most common question is which deductible level should you buy. The comparison tables below may aid in understanding the rate fluctuation when you choose different physical damage coverage deductibles. The first set of rates uses a $250 physical damage deductible and the second rate chart uses a $500 deductible.

Toyota Yaris insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Yaris 2-Dr Hatchback $298 $576 $500 $30 $150 $1,579 $132
Yaris 4-Dr Hatchback $298 $576 $442 $26 $132 $1,499 $125
Yaris 4-Dr Sedan $298 $576 $442 $26 $132 $1,499 $125
Yaris S 2-Dr Hatchback $342 $576 $500 $30 $150 $1,623 $135
Yaris S 4-Dr Hatchback $342 $576 $442 $26 $132 $1,543 $129
Yaris S 4-Dr Sedan $342 $576 $442 $26 $132 $1,543 $129
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Toyota Yaris insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Yaris 2-Dr Hatchback $242 $464 $500 $30 $150 $1,386 $116
Yaris 4-Dr Hatchback $242 $464 $442 $26 $132 $1,306 $109
Yaris 4-Dr Sedan $242 $464 $442 $26 $132 $1,306 $109
Yaris S 2-Dr Hatchback $278 $464 $500 $30 $150 $1,422 $119
Yaris S 4-Dr Hatchback $278 $464 $442 $26 $132 $1,342 $112
Yaris S 4-Dr Sedan $278 $464 $442 $26 $132 $1,342 $112
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Premium amounts do not factor in vehicle garaging location which can increase or decrease premiums noticeably.

Using the premium rates above, we can conclude that using a $250 deductible will cost you roughly $16 more each month or $192 annually than opting for the higher $500 deductible. Because you would pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you normally average at least 16 months between claim filings, you would probably save some money if you opt for a higher deductible.

How to decide to raise your deductibles

Average monthly premium for $250 deductibles: $129
Average monthly premium for $500 deductibles (subtract): - $113
Monthly savings from raising deductible: $16
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $16
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 16 months

One thing to note is that a higher deductible means you will have to pay more out-of-pocket when you do file a claim. You must have a higher level of savings in order to pay the deductible.

Cost of full coverage

The information below illustrates the difference between Toyota Yaris insurance rates with full coverage and liability only. Data assumes no accidents, no driving violations, $500 deductibles, drivers are not married, and no discounts are factored in.

When to drop comprehensive and collision coverage

There is no written rule for phasing out full coverage on your policy, but there is a guideline you can use. If the annual cost of your full coverage insurance is about 10% or more of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.

For example, let's assume your Toyota Yaris claim settlement value is $6,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most you would receive is $5,000 after paying your policy deductible. If you are paying more than $500 annually for physical damage coverage, the it may be a good time to stop paying for full coverage.

There are some situations where only buying liability is not a good idea. If you still have a lienholder on your title, you must maintain physical damage coverage as part of the loan conditions. Also, if you can't afford to buy a different vehicle in case of an accident, you should keep full coverage.

Decisions You Make Can Impact Your Insurance Premiums

The best way to find cheaper auto insurance is to take a look at the different types of things that aid in calculating auto insurance rates. If you know what impacts premium levels, this enables informed choices that may result in much lower annual insurance costs.

Low stress occupation equals lower rates - Jobs such as military generals, police officers, and medical professionals generally have the highest rates because of intense work situations and long work hours. On the flip side, occupations like professors, historians and homemakers receive lower rates.

Get cheaper costs after the wedding - Having a spouse actually saves money when shopping for auto insurance. Marriage demonstrates that you tend to be more responsible it has been statistically shown that being married results in fewer claims.

Avoid traffic tickets - Being a careful driver impacts premiums far more than you think. Just one driving citation can bump up the cost twenty percent or more. Good drivers get better rates compared to bad drivers. Drivers who have flagrant violations like DUI or willful reckless driving are required to maintain a SR-22 with the DMV in their state in order to legally drive.

The diagram below shows how violations and at-fault accidents influence Toyota Yaris auto insurance rates for each age group. The rates are based on a married male driver, comp and collision included, $500 deductibles, and no other discounts are factored in.

How old are your drivers? - Beginning drivers in California are known to be more careless when behind the wheel therefore auto insurance rates are much higher. Older drivers are more responsible, are lower risk to insure, and tend to be get fewer driving tickets.

The next chart uses these assumptions: single driver, full coverage with $100 deductibles, and no discounts or violations.

Stay claim-free and save money - Car insurance companies in California award better rates to insureds who do not rely on their insurance for small claims. If you frequently file small claims, you can pretty much guarantee much higher rates or policy non-renewal. Your insurance policy is designed for the large, substantial claims.

Toyota Yaris insurance loss statistics - Insurance companies include the past claim history for a vehicle to help determine the rate you pay. Vehicles that historically have a trend towards higher claims will have a higher cost to insure.

The table shown below demonstrates the insurance loss data for Toyota Yaris vehicles. For each policy coverage type, the statistical loss for all vehicles, without regard to make or model, is a value of 100. Numbers shown that are under 100 indicate a favorable loss history, while numbers that are greater than 100 indicate more frequent losses or larger claims.

Toyota Yaris Insurance Loss Statistics
Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Toyota Yaris 94 88 92
BETTER
AVERAGE
WORSE

Empty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years

Insurance quotes from local San Jose insurance agents

Certain consumers would rather talk to a local agent and that can be a great decision One of the great benefits of getting online price quotes is the fact that you can find better rates but still work with a licensed agent. And buying from local agencies is important particularly in San Jose.

Insurance agents in San JoseTo make it easy to find an agent, after completing this quick form, your insurance coverage information is emailed to local insurance agents that can give you free San Jose car insurance quotes for your insurance coverage. You never need to find an agent on your own due to the fact that quote results will go straight to your inbox. Get lower rates without a big time investment. If you need to compare prices from a specific insurance provider, you just need to navigate to their website to submit a rate quote request.

When finding a local agent, there are two types of agencies and how they are slightly different. Insurance agencies in San Jose are classified as either exclusive or independent agents depending on their company appointments.

Independent Insurance Agents

Agents that choose to be independent are not locked into one company so they can write business with multiple insurance companies and find you cheaper rates. If premiums increase, they simply move the coverage in-house and you don't have to do anything.

If you need cheaper insurance rates, you definitely need to get several quotes from several independent insurance agents to ensure the widest selection of prices. Many can place coverage with less well-known companies who may have lower rates.

Below is a partial list of independent insurance agencies in San Jose that can give you comparison quotes.

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Exclusive Insurance Agents

Agents in the exclusive channel work for only one company like Allstate, State Farm and Farm Bureau. Exclusive agencies are unable to compare other company's rates so keep that in mind. Exclusive insurance agents are very knowledgeable on sales techniques and that enables them to sell even at higher rates. Some people will only choose to use an exclusive agent primarily because of high brand loyalty rather than low rates.

Shown below are exclusive insurance agents in San Jose that can give you rate quotes.

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Picking an insurance agent shouldn't rely on just a cheap price. Here are some questions you should ask.

  • Will the quote change when the policy is issued?
  • Does the agent have a valid license to sell insurance in California?
  • What company holds the largest book of business for them?
  • Is insurance their full-time profession?
  • Is assistance available after office hours?
  • How long has their agency been in business in San Jose?
  • Does the agent recommend any additional coverage?

Get the best coverage at the most affordable price

Insureds who switch companies do it for a variety of reasons including poor customer service, extreme rates for teen drivers, denial of a claim and even high prices. It doesn't matter why you want to switch switching insurance companies is less work than it seems.

When trying to cut insurance costs, it's a bad idea to sacrifice coverage to reduce premiums. There have been many situations where drivers have reduced liability limits or collision coverage and discovered at claim time that it was a big error on their part. Your goal is to purchase a proper amount of coverage at the best price and still be able to protect your assets.

Cost effective Toyota Yaris insurance can be sourced online and from local insurance agents, and you should compare rates from both in order to have the best price selection to choose from. Some companies may not offer rate quotes online and these regional carriers provide coverage only through independent agents.

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