Shockingly, nearly 70% of customers kept their coverage with the same auto insurance company for well over three years, and approximately 38% of consumers have never even shopped around for affordable coverage. With the average premium in California being $1,400, drivers could pocket about 35% a year just by comparing rates, but they don’t believe how much money they would save if they changed companies.
The preferred way to quote cheaper Toyota Avalon Hybrid insurance is to start comparing prices regularly from different companies who provide auto insurance in San Jose. You can compare prices by following these steps.
First, gain an understanding of policy coverages and the changes you can make to prevent expensive coverage. Many rating factors that cause rate increases such as traffic citations and a bad credit rating can be remedied by making minor driving habit or lifestyle changes. Continue reading for instructions to help prevent costly coverage and earn larger discounts.
Second, get rate quotes from direct, independent, and exclusive agents. Direct and exclusive agents can provide rates from a single company like Progressive or Allstate, while independent agents can quote rates for many different companies.
Third, compare the new quotes to your existing policy and see if you can save money. If you find better rates and switch companies, make sure coverage does not lapse between policies.
Fourth, provide notification to your current agent or company of your intention to cancel your existing policy and submit a completed policy application and payment for the new coverage. Once the paperwork is finalized, put the new proof of insurance paperwork along with the vehicle’s registration papers.
The key thing to remember is that you’ll want to make sure you compare similar limits and deductibles on every price quote and and to get prices from as many auto insurance providers as possible. Doing this ensures the most accurate price comparison and the most accurate and complete price analysis.
Many insurance companies provide price estimates on the web. The process doesn’t take a lot of time as you simply type in your personal and coverage information as detailed in the form. Once you submit the form, the company’s rating system automatically retrieves information on your driving record and credit history and gives you a price quote based on these and other factors.
Getting online rates for Toyota Avalon Hybrid insurance in San Jose simplifies rate comparisons, and it is important to have as many quotes as possible if you want to find the lowest payment.
In order to find out what other companies charge, compare rate quotes from the providers shown below. If you have your current policy handy, we recommend you complete the form with your coverages identical to your current policy. Doing this guarantees you will get a rate comparison based on similar coverages.
The car insurance companies shown below offer comparison quotes in California. If more than one company is shown, we recommend you visit several of them in order to get a fair rate comparison.
Local San Jose insurance agencies
Certain consumers prefer to visit with an insurance agent and that is OK! One of the great benefits of comparing car insurance online is you may find lower premium rates and still choose a local agent.
By using this form (opens in new window), your coverage information is immediately sent to companies in San Jose who will give you quotes for your business. You won’t even need to visit any agencies due to the fact that quote results will go to you instantly. You can most likely find cheaper rates without the usual hassles of price shopping. In the event you want to get a rate quote for a specific company, you can always navigate to their website to submit a rate quote request.
Choosing the best company requires more thought than just the price. Before buying a policy in San Jose, get answers to these questions.
- Will they give you a referral list?
- Do the agents have professional certifications like CPCU or CIC?
- Where would your vehicle be repaired?
- Is there a Errors and Omissions policy in force?
- How long has their agency been in business in San Jose?
If you prefer to buy car insurance from a reliable agent, you should know the different types of agents and how they work. Agents may be either independent agents or exclusive agents depending on their employer.
Agents in the exclusive channel are contracted to one company such as State Farm, AAA, Farmers Insurance or Allstate. They usually cannot provide rate quotes from other companies so they have to upsell other benefits. Exclusive insurance agents are highly trained in insurance sales which helps overcome the inability to quote other rates. Some consumers prefer to choose to use a exclusive agent mostly because of loyalty to the company rather than having low rates.
Listed below is a short list of exclusive insurance agencies in San Jose who can help you get price quote information.
- Mike Murillo – State Farm Insurance Agent
1449 Park Ave #3 – San Jose, CA 95126 – (408) 295-0554 – View Map
- Doug Kim – State Farm Insurance Agent
1361 S Winchester Blvd #107 – San Jose, CA 95128 – (408) 370-2008 – View Map
- GEICO Insurance Agent
2195 Monterey Rd #20 – San Jose, CA 95125 – (408) 286-4342 – View Map
Independent Car Insurance Agents
Independent agencies are not restricted to one company and that enables them to quote your coverage through lots of different companies and find you cheaper rates. To transfer your coverage to a different company, they can switch companies in-house and you don’t have to find a new agent.
When comparison shopping, you will want to get some free quotes from several independent agencies in order to have the best price comparison. Most also write with small mutual carriers which can save you money.
Below is a short list of independent insurance agents in San Jose who can help you get rate quotes.
- Donald Browne Insurance Services
330 W Hedding St #207 – San Jose, CA 95110 – (408) 292-4329 – View Map
- Taylor Benefits Insurance Agency
4820 Harwood Rd #130 – San Jose, CA 95124 – (408) 358-7502 – View Map
- LNA Insurance Agency Inc
999 Story Rd – San Jose, CA 95122 – (408) 280-5815 – View Map
Upon getting good answers to these questions and a good coverage price, you may have found an insurance agency that is professional and can service your policy.