The vehicle model on the policy is one of the largest factors in finding the lowest-priced car insurance for a school permit. Vehicles with lots of horsepower, a lack of safety features, or a history of substantial liability claims will cost substantially more to insure than safer, lower-performance models.
The data below estimates auto insurance prices for some of the most affordable vehicles to buy insurance for.
|Make and Model||Estimated Cost for Full Coverage|
|Honda CR-V LX 2WD||$4,121|
|Honda Accord LX-P 4-Dr Sedan||$4,126|
|Ford Escape XLT 4WD||$4,162|
|Ford F-150 XL Regular Cab 2WD||$4,328|
|Hyundai Elantra SE Touring Station Wagon||$4,421|
|Volkswagen Jetta 2.0T Station Wagon||$4,723|
|Ford Edge SEL AWD||$4,848|
|Chevrolet Equinox LS 2WD||$4,889|
|Toyota RAV4 4WD||$4,895|
|Chevrolet Malibu LS||$4,889|
|Ford Fusion S 4-Dr Sedan||$4,894|
|Dodge Grand Caravan SXT||$4,929|
|Ford Explorer Limited 4WD||$4,939|
|Toyota Tacoma Double Cab TRD Sport Package 4WD||$4,929|
|Ford Focus SES 4-Dr Sedan||$5,109|
|Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr||$5,145|
|Chevrolet Impala LTZ||$5,150|
|Toyota Camry SE||$5,156|
|Toyota Corolla S||$5,150|
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Premium data assumes single female driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, and safe-driver. Information does not factor in specific garaging location which can raise or lower premiums substantially.
Looking at the numbers, you can conclude that makes and models like the Honda CR-V, Honda Accord, Ford Escape, Ford F-150, and Hyundai Elantra are likely to be a few of the cheaper vehicles to insure for a learners permit. Car insurance rates will tend to be more expensive because there is more liability risk for a school permit, but generally speaking those particular models will probably have the best rates that you’ll find.
Trying to buy low-cost insurance is not the easiest thing to do, and deciding which companies have the cheapest insurance rates for a school permit will take even more work.
Every insurance company uses their own calculation to establish rates, so let’s rank the insurance companies with the most affordable rates in Stockton, CA. Keep in mind that California insurance rates are impacted by many factors which can substantially decrease or increase the cost of your policy. Things like getting older, increasing deductibles, or getting a DUI may generate price changes resulting in some companies being more affordable than competitors.
Cheapest Insurance Rates for Students
|Rank||Company||Cost Per Year|
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USAA has some of the best car insurance rates in Stockton at around $1,109 a year. Wawanesa, CSAA, Century National, and Nationwide would also be considered some of the most economical Stockton, CA car insurance companies.
As depicted above, if you have coverage with Century National and switched to Wawanesa, you might see annual savings of in the neighborhood of $80. Drivers with Nationwide could save as much as $117 a year, and 21st Century policyholders might lower prices by $179 a year.
To see how much you can save, click here to get a free quote or feel free to get quotes from the companies below.
Bear in mind that those premium estimates are averages for all ages of drivers and types of vehicles and and are not figured with an exact zip code location for a school permit. So the company that fits your situation best may not even be in the top 24 companies in the list above. That is why you need to compare prices as often as possible using your own personal information and vehicle type.
Best insurance company in California
Choosing a highly-rated insurance provider can be a challenge considering how many companies there are in Stockton. The rank data in the lists below may help you pick which insurers to look at shopping prices with.
The rankings below are only comprised of large nationwide companies, so smaller companies are not taken into consideration for these rankings. If you’d like to compare prices from these and other competitive companies, simply click here.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
|AAA of Southern California||91||94||97||92%||A+||94.1|
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Data Source: Insure.com Best Car Insurance Companies
Discounts on Stockton auto insurance
Auto insurance companies that offer cheap quotes for a school permit may have discounts that can reduce rates by 35% or more if you can meet the requirements. A list of insurance companies and a summarized list of policyholder discounts are detailed below.
- GEICO offers premium reductions for good student, federal employee, five-year accident-free, anti-theft, daytime running lights, military active duty, and air bags.
- Travelers has discounts for save driver, good student, student away at school, multi-policy, payment discounts, and continuous insurance.
- Farm Bureau offers discounts for good student, driver training, youthful driver, multi-policy, renewal discount, and 55 and retired.
- Liberty Mutual may include discounts for good student, new graduate, safety features, hybrid vehicle, and newly retired.
- American Family offers discounts including early bird, TimeAway discount, Steer into Savings, defensive driver, accident-free, and good student.
- Progressive discounts include online signing, multi-vehicle, good student, continuous coverage, and multi-policy.
The example below compares insurance premiums with and without policy discounts. The premiums assume a female driver, no accidents, no driving violations, California state minimum liability limits, full physical damage coverage, and $100 deductibles.
The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with paperless filing, paid-in-full, passive restraint, good student, anti-theft, and continuous coverage discounts applied. In this example, theamount saved on insurance for a school permit is 28% or $831.
A good deal can quickly turn bad
Stockton, CA insurance rates are influenced by many factors which can substantially decrease or increase the price of coverage. Simply turning a year older, having a claim, or getting a ticket for careless driving may prompt premium changes resulting in some rates now being more affordable than others. Not only may things change on your end, but companies change rates without warning in order to be able to pay unexpected claims. Heavier than normal losses may cause rate hikes, while profitable underwriting can cause lower-cost Stockton car insurance rates.
The chart below compares the cheapest car insurance in Stockton, CA for a 45-year-old male driver with no accidents, a clean driving record, and a decent credit rating. If we estimate rates based on his personal risk profile, USAA quotes the lowest car insurance rates in Stockton at $1,384 a year. This is $267 less than the average policy premium paid by California drivers of $1,651. Wawanesa, Nationwide, CSAA, and Century National are also included in the cheapest Stockton, CA auto insurance companies.
The example below compares rates after we give the driver from the first rate comparison a claim surcharge, bad credit, and a traffic citation. Since every insurance provider has their own formula for filing rates in each state, comparing prices most likely will result in a different set of the cheapest car insurance companies in Stockton as shown below.
Grange now has the cheapest insurance rate in Stockton, CA with GEICO, Mercury, Progressive, and Allstate now being in the top five. This example illustrates why Stockton drivers need to perform an extensive rate comparison to get the lowest insurance quotes for a school permit.
Rates are made up of many factors and change substantially, so the cheapest company the last time you checked may now be priced much higher than other options.
How to find more affordable car insurance for a school permit
It is possible to find better rates, and here are some money-saving suggestions that can help drivers find cheap coverage.
- Do not pay for comprehensive and collision coverage on older vehicles
- Raise comprehensive and collision coverage deductibles
- Buy vehicles with good safety ratings
- Avoid getting citations and tickets
- Better credit rating means better rates
- Maintain a safe distance and avoid accidents
- Compare price quotes at least once a year
That final tip is certainly valuable, as we noted in this piece. Auto insurance rates fluctuate considerably, so drivers shouldn’t be reluctant to buy a policy from a new company if you can save money. Brand loyalty is great, but it’s not recommended if that inflexibility results in costing you hundreds of dollars a year. Now is a great time to compare rates and find cheaper car insurance for a school permit in Stockton.
The auto insurance agents in Stockton shown below can probably aid you in deciding which car insurance company is the best fit, since some drivers aren’t sure which coverage they need and prefer to have some professional guidance when shopping around for cheaper insurance for a school permit. It can be challenging to find the best coverage yourself, so getting advice from a licensed agent can provide comfort knowing your coverage gives you adequate asset protection.
To locate a Stockton auto insurance agent close to you, click the button after the list or click here to compare price quotes.
Farmers Insurance – Ryan Merin
3439 Brookside Rd #106 – Stockton, CA 95219 – (209) 957-4675
Quality General Insurance Services
3008 E Hammer Ln # 109 – Stockton, CA 95212 – (209) 952-5139
State Farm: Cheryl Bentley
1502 St Marks Plaza #2 – Stockton, CA 95207 – (209) 952-5065
Banuelos Insurance Agency
2300 Waterloo Rd – Stockton, CA 95205 – (209) 513-3248