Wouldn’t it be so easy if we could tell you instantly the best company in Stockton that has the cheapest car insurance rates for 19 year olds? It’s just not that easy, however, as there are many unknown aspects like the area where you live, if you have a coverage lapse, and what coverage limits you want, that all impact the price you pay. We will try to cover the best ways to avoid overpriced car insurance and will hopefully give the reader a jump start in finding the best auto insurance in Stockton.
The vehicle model on the policy is one of the largest considerations that determines if you can find affordable insurance for 19 year olds. Vehicles with higher performance characteristics, poor passenger safety features, or a history of substantial liability claims will cost much more to insure than safer, lower-performance models.
The information below features coverage premiums for a number of the most cost-effective vehicles to buy insurance for.
|Vehicle Insured||Estimated Cost for Full Coverage|
|Ford Escape XLS 4WD||$3,126|
|Honda CR-V EX 4WD||$3,163|
|Ford F-150 XLT Super Cab 2WD||$3,489|
|Jeep Wrangler Rubicon 4WD 2-Dr||$3,499|
|Toyota Tacoma 2WD||$3,673|
|Toyota Camry LE||$3,710|
|Toyota RAV4 Limited 4WD||$3,718|
|Chevrolet Malibu Hybrid||$3,710|
|GMC Sierra SLE Crew Cab 2WD||$3,720|
|Dodge Grand Caravan Hero||$3,710|
|Ford Explorer Limited 4WD||$3,750|
|Ford Focus SES 4-Dr Sedan||$3,892|
|Hyundai Elantra Blue 4-Dr Sedan||$3,897|
|Ford Edge Limited AWD||$3,929|
|Honda Odyssey EX-L W/Navigation||$3,934|
|Chevrolet Impala LTZ||$3,929|
|Volkswagen Jetta 2.0T 4-Dr Sedan||$3,969|
|Nissan Altima Hybrid 4-Dr Sedan||$3,974|
|Jeep Grand Cherokee Limited 2WD||$3,969|
|Chevrolet Equinox LTZ AWD||$3,979|
|Toyota Corolla XRS||$3,969|
|Ford Fusion SE 4-Dr Sedan||$3,976|
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Cost estimates assume single female driver age 19, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, and claim-free. Premium costs do not factor in specific Stockton, CA garaging location which can influence coverage rates noticeably.
Looking at the data, you can see that makes and models like the Ford Escape, Honda CR-V, Toyota Prius, Ford F-150, and Jeep Wrangler are most likely to be the most economical vehicles to insure for teenage drivers. Prices will tend to be more expensive anyway just because there is more inherent risk for 19 year olds, but generally speaking those models will probably have the lowest insurance rates that you are likely to find.
One of the more important considerations that are looked at to help calculate the price you pay for insurance is where you keep your car in Stockton. Areas with more people or higher crime rates tend to have higher rates, whereas areas with fewer weather claims and lower vehicle theft rates benefit from lower rates.
The information below ranks the highest-priced places in California for 19 year olds in which to purchase auto insurance. Stockton is listed at #9 with an annual cost of $1,556 for the average insured, which is around $130 monthly.
|Rank||City||Premium Per Year|
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Annual rates are estimated as zip code location can affect premiums significantly.
Cost difference between full coverage and liability
Saving money on insurance should be important to most vehicle owners, and an effective way to buy cheaper insurance for 19 year olds is to only buy liability coverage. The example below visualizes the comparison of car insurance costs when comparing full coverage to liability only. The prices are based on no accidents or driving violations, $250 deductibles, drivers are single, and no discounts are factored in.
As an average for all age groups, full coverage on your policy costs an extra $2,558 per year more than insuring for liability only. Lot’s of drivers question if paying for full coverage is worth it. There is no definitive formula of when to phase out full coverage on your policy, but there is a general school of thought. If the yearly cost of comp and collision coverage is more than around 10% 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 vehicle’s claim settlement value is $10,500 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $9,500 after paying your deductible. If you are paying more than $950 annually to have full coverage, then you may need to consider dropping full coverage.
There are a few cases where buying only liability insurance is not in your best interest. If you haven’t satisfied your loan, you must maintain physical damage coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should not buy liability only.
Ending up with a high-quality auto insurance provider can be rather challenging considering how many companies there are to choose from in California. The company information in the lists below can help you analyze which auto insurance companies you want to consider shopping prices with. The rankings below are only made up of major nationwide insurance companies, so companies that only write business in California or surrounding areas are not included in this list.
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
The example below illustrates how your choice of deductibles can raise or lower premium costs when researching cheap insurance for 19 year olds. The rate quotes are based on a single male driver, full coverage, and no discounts are applied.
The data above shows that a 50-year-old driver could lower their car insurance rates by $506 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $762 by using a $1,000 deductible. Youthful drivers, like the Age 20 category, could drop their prices as much as $1,674 each year by using a higher deductible.
When using a larger deductible, it will be necessary to have emergency funds available to allow you to cover the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.