Finding decent, reasonably-priced insurance is easier said than done, and determining which company offers the cheapest insurance rates for safe drivers will involve even more shopping around. Each insurance company has a proprietary method for determining prices, so let’s rank the insurance companies that tend to be cheaper in Stockton, CA.
It’s a good idea to be aware that Stockton, CA insurance rates are based on many factors which can substantially change the price you pay. This is why it is critical to perform a complete rate comparison to get the lowest insurance quotes for safe drivers. Prices are influenced by many factors and can increase or decrease at any time, so the best option the last time you shopped around may now be one of the higher cost companies.
Cheap Insurance Rates for Safe Drivers
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USAA has some of the cheapest car insurance rates in Stockton at around $1,109 per year. This is $542 less than the average rate paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide would also be considered some of the best Stockton, CA auto insurance companies.
As the rates illustrate above, if you are a customer of CSAA and switched to USAA, you might see yearly savings of in the neighborhood of $113. Customers with Nationwide could save as much as $141 a year, and 21st Century insureds might lower prices by $229 a year.
To see if your current coverage is too expensive, click here or visit any of the companies below.
Understand that those premiums are averages for all types of insureds and vehicles and are not factoring in a specific vehicle garaging location for safe drivers. So the company that has the lowest price for you may not even be in the list above. That point stresses why you need to compare as many prices as possible using your own specific driver and vehicle information.
One of the many criteria that determine the price you pay for insurance is where you live. Areas with a lot of weather claims or more people tend to have more expensive car insurance rates, whereas areas with fewer weather claims and lower vehicle theft rates benefit from lower rates.
The illustration below shows the priciest cities in California for safe drivers in which to buy car insurance. Stockton comes in at #7 with an annual cost of $1,603 for the average insurance policy, which is about $134 per month.
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Information shown are comparative as the garaging address in Stockton can impact prices greatly.
Which insurance company is best in Stockton?
Picking a highly-rated car insurance company can be a challenge considering how many different companies sell coverage in California. The ranking information shown below may help you decide which auto insurers you want to consider comparing price quotes from.
These rankings include the largest companies in the United States, so companies without a large exposure are not factored into the list. To check prices from these companies and more, click here.
Top 10 Major Car Insurance Companies Overall in Stockton
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- The General
- Titan Insurance
Discount Stockton auto insurance rates
Insurers that provide policies for safe drivers may provide special discounts that can lower rates by 25% or more if you are eligible. A list of companies and a partial list of their discounts can be found below.
- GEICO policyholders can earn discounts including driver training, daytime running lights, five-year accident-free, multi-policy, defensive driver, seat belt use, and membership and employees.
- SAFECO has savings for homeowner, safe driver, anti-lock brakes, bundle discounts, accident prevention training, and anti-theft.
- State Farm has discounts for Drive Safe & Save, multiple policy, multiple autos, Steer Clear safe driver discount, good driver, and accident-free.
- MetLife includes discounts for accident-free, good student, defensive driver, good driver, claim-free, and multi-policy.
- 21st Century may offer discounts for early bird, automatic seat belts, driver training, anti-lock brakes, good student, defensive driver, and teen driver.
- Progressive offers discounts for homeowner, good student, online signing, multi-vehicle, multi-policy, and online quote discount.
The example below shows the comparison of insurance costs with and without discounts applied to the policy premium. The costs are based on a male driver, no violations or claims, California state minimum liability limits, comprehensive and collision coverage, and $250 deductibles.
The first bar for each age group shows the average rate with no discounts. The second shows the rates with defensive driving course, claim-free, homeowner, multiple vehicle, vehicle safety, and marriage discounts applied. When drivers qualify for the discounts, the average savings per year on insurance for safe drivers is 28% or $863.
The illustration below shows how choosing a deductible can influence insurance rates when researching cheap insurance for safe drivers. The prices are based on a married male driver, full coverage, and no discounts are applied.
A 30-year-old driver could lower rates by $460 a year by increasing from a $100 deductible up to a $500 deductible, or save $692 by choosing a $1,000 deductible. Even younger drivers, like the Age 20 chart data, could shave up to $1,398 each year by choosing larger deductibles on their policy. If you make the decision to raise deductibles, it is important to have plenty of discretionary funds to offset the extra out-of-pocket expense, which is the one shortcoming of high deductibles.
The agents shown below can probably help you determine which policy is best, since some people prefer to get some professional advice when comparing insurance rates for safe drivers. It’s not always easy to do it yourself, so insurance agents licensed in the state of California can give peace of mind knowing your policy gives you enough protection. To locate a Stockton insurance agent in your neighborhood, click the button following the list.
Evelyn Vega Insurance Agency
1108 Waterloo Rd #7 – Stockton, CA 95205 – (209) 405-2440
Brookside General Insurance Services Inc
1231 W Robinhood Dr – Stockton, CA 95207 – (209) 476-8022
Farmers Insurance – Ryan Merin
3439 Brookside Rd #106 – Stockton, CA 95219 – (209) 957-4675
Berbower Insurance Agency
1330 W Robinhood Dr Suite A1 – Stockton, CA 95207 – (209) 405-1088
How to find more affordable auto insurance for safe drivers
The list below summarizes a few penny-pinching suggestions that can help drivers get cheaper car insurance.
- Serious violations like DUI or reckless driving can increase rates dramatically
- Frequent claims will increase rates
- Multi-policy discounts save money
- Being accident-free can lower rates significantly
- Pay lower rates with good credit
- Increase your comprehensive and collision deductibles
- Shop around for cheaper prices
That final tip is especially necessary, as we noted in this write-up. Coverage prices fluctuate constantly, so drivers shouldn’t be resistant to switch companies if a cheaper rate is available. We understand brand loyalty, but we do not recommend it if that faithfulness ends up costing you a fortune every year. Take a few minutes and shop around and find cheaper car insurance for safe drivers in Stockton.