Astonishing but true according to a recent study, the vast majority of car insurance customers have purchased from the same company for four years or more, and almost 40% of drivers have never shopped around. Drivers in California could save about 35% every year, but they just don't understand the rate savings if they switched to a more affordable policy.
It takes a few minutes, but the best way to get low-cost auto insurance rates is to start comparing rates regularly from different companies who sell insurance in San Jose.
Step 1: Take a few minutes and learn about coverages and the things you can control to prevent rate increases. Many policy risk factors that result in higher prices like traffic tickets, fender benders, and poor credit rating can be rectified by making minor changes to your lifestyle. This article gives instructions to help prevent costly coverage and find overlooked discounts.
Step 2: Get rate quotes from direct, independent, and exclusive agents. Direct and exclusive agents can give quotes from a single company like Progressive or Allstate, while independent agents can provide prices from many different companies. Find a San Jose insurance agent
Step 3: Compare the new rate quotes to the premium of your current policy to determine if you can save on Juke insurance in San Jose. If you can save money and change companies, make sure there is no coverage gap between policies.
Step 4: Notify your agent or company of your intent to cancel your current policy and submit a completed application and payment to your new agent or company. As soon as you have the new policy, keep your new certificate verifying coverage in an easily accessible location.
A good piece of advice is that you'll want to make sure you compare the same liability limits and deductibles on every quote request and and to get prices from as many carriers as you can. Doing this guarantees a fair rate comparison and a better comparison of the market.
Buying affordable car insurance in San Jose can be made easier if you know where to look. Just about every car owner who shops around for car insurance most likely will be able to lower their premiums. Nevertheless, California car owners can benefit from knowing how the larger insurance companies price insurance differently and apply this information to your search.
To get inexpensive San Jose auto insurance quotes, there a variety of ways to obtain and compare prices from different San Jose insurance companies. The best method to compare rates is to get quotes online.
Getting quotes online is very simple and it makes it a waste of time to drive around to insurance agencies in your area. The ability to get quotes online has reduced the need for local agents unless you want the professional assistance that can only be provided by a licensed insurance agent. You can, however, get prices online and get advice from an agent in your area.
When price shopping your coverage, comparing a large number of companies gives you a better chance of getting a lower rate. Not every company allows you to get online San Jose Juke insurance quotes, so it's necessary to compare rates from those companies as well.
The companies shown below provide price quotes in San Jose, CA. If multiple companies are shown, it's highly recommended you visit as many as you can to find the most competitive auto insurance rates.
Here's why car insurance is not optional
Even though San Jose Juke insurance rates can get expensive, insurance is a good idea for several reasons.
- Almost all states have minimum liability requirements which means the state requires a specific level of liability if you want to drive legally. 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.
- If you have a loan on your Nissan, it's guaranteed your bank will have a requirement that you have physical damage coverage to guarantee their interest in the vehicle. If you do not keep the policy in force, the lender may have to buy a policy to insure your Nissan at a much higher premium rate and require you to fork over the higher price.
- Car insurance preserves your Nissan Juke and your assets. It will also pay for medical bills for you, any passengers, and anyone injured in an accident. One of the most valuable coverages, liability insurance, will also pay to defend you if you are sued as the result of your driving. If your vehicle suffers damage from an accident or hail, comprehensive and collision coverage will pay to repair the damage.
The benefits of carrying enough insurance more than offset the price you pay, especially with large liability claims. As of last year, the average driver in California is currently overpaying as much as $855 a year so compare rate quotes every year to ensure rates are competitive.
How to Lower Your Insurance Costs
Lots of things are taken into consideration when you get your auto insurance bill. A few of the factors are predictable such as your driving record, but other factors are more transparent like your vehicle usage or your commute time.
Can a thief steal your car? - Driving a car with a theft deterrent system can get you a discount on your auto insurance. Theft deterrent systems like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all hinder your car from being stolen.
Avoid tickets and save - Just one citation can increase rates twenty percent or more. Good drivers tend to pay less for car insurance compared to bad drivers. Drivers unfortunate enough to have serious violations such as reckless driving, hit and run or driving under the influence may face state-mandated requirements to prove financial responsibility with their state's department of motor vehicles in order to drive a vehicle legally.
No claims equals lower auto insurance rates - Insurance companies in California provide better rates to people who file claims infrequently. If you're an insured who likes to file claims you can definitely plan on higher premiums or even policy non-renewal. Your car insurance is intended to be relied upon for the large, substantial claims.
Where you live factors in - Residing in less populated areas may provide you with better prices when insuring your vehicles. Fewer drivers and short commutes translates into fewer accident claims and also fewer theft and vandalism claims. City drivers have more auto accidents and more time behind the wheel. Higher commute times means more chances of being involved in an auto accident.
You may save more by combining policies - Lots of auto insurance companies allow better rates to clients who consolidate policies with them. It's known as a multi-policy discount. Discounts can add up to ten percent or more. Even though this discount sounds good, consumers should still comparison shop to help guarantee you have the best rates.
Discounts for married couples - Being married can get you a discount compared to being single. Having a spouse demonstrates that you tend to be more stable financially and statistics prove drivers who are married are more cautious.
Rental and towing coverage may not be needed - There are a ton of additional extra coverages that may not really be needed but may not be useful. Coverages like roadside assistance, better glass coverage, and additional equipment coverage are examples of these. They may sound like good ideas when discussing your needs, but if you've never needed them in the past remove them from your policy.
Loss statistics for a Nissan Juke - Companies use past insurance losses to calculate a price that offsets possible losses. Vehicles that historically have a higher amount or frequency of claims will have higher rates for specific coverages.
The next table illustrates the insurance loss data used by companies for Nissan Juke vehicles. For each policy coverage type, the loss probability for all vehicles, regardless of make or model, is equal to 100. Values that are below 100 mean the vehicle has better than average losses, while percentage numbers above 100 indicate more frequent losses or an increased likelihood of larger losses.
|Vehicle Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Nissan Juke 2WD||101||104||77||111||134||113|
|Nissan Juke 4WD||107||112||75||120||115||105|
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Which policy gives me the best coverage?
When choosing adequate coverage, there isn't really a "best" method to buy coverage. Every situation is different.
These are some specific questions may help you determine whether you might need an agent's assistance.
- Am I covered if I have no license?
- Should I have a commercial auto policy?
- At what point should I drop full coverage?
- When can I cancel my policy?
- When should I not file a claim?
- Can I rate high risk drivers on liability-only vehicles?
- What does medical payments cover?
- Is my trailer covered?
- Are my tools covered if they get stolen from my vehicle?
If it's difficult to answer those questions, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form.
More quotes mean more auto insurance savings
Consumers leave their current company for many reasons like extreme rates for teen drivers, lack of trust in their agent, unfair underwriting practices and even being labeled a high risk driver. It doesn't matter what your reason, choosing a new insurance company is not as difficult as it may seem.
When trying to cut insurance costs, it's a bad idea to buy poor coverage just to save money. There have been many situations where someone dropped liability limits or collision coverage only to discover later they didn't have enough coverage. Your goal should be to buy the best coverage you can find at the best price, not the least amount of coverage.
We covered quite a bit of information on how to find lower-cost Nissan Juke insurance in San Jose. It's most important to understand that the more you quote San Jose auto insurance, the higher the chance of saving money. You may even be surprised to find that the lowest rates are with some of the lesser-known companies.
- Teen Driving Statistics (GEICO)
- Who Has the Cheapest San Jose Car Insurance Rates for a Toyota Corolla? (FAQ)
- Who Has Cheap Car Insurance Rates for a Honda Accord in San Jose? (FAQ)
- Your Car has been Stolen: Now What? (Allstate)
- Teen Driver Statistics (Insurance Information Institute)