The words “economical” and “auto insurance” probably shouldn’t be used together, especially when you are searching for the best coverage prices for handicapped drivers. Because it’s so expensive, let’s go over some situations that have an impact on car insurance prices, and find some ways to shave a little off the next policy you buy.
The make and model of vehicle that needs insurance is a large consideration when shopping around for the best cheap coverage for handicapped drivers. Vehicles with high performance features, poor safety features, or a track record of large liability claims will cost more to insure than more economical and safe models. The information below illustrates car insurance rates for a number of the most economical automobiles to insure.
|Vehicle Make and Model||Estimated Cost for Full Coverage|
|Hyundai Elantra GLS Touring Station Wagon||$1,130|
|Ford Escape XLT 2WD||$1,135|
|Jeep Wrangler Sahara 4WD 2-Dr||$1,264|
|Honda CR-V EX 4WD||$1,309|
|Chevrolet Impala LS||$1,312|
|Toyota Tacoma 2WD||$1,320|
|Chevrolet Malibu LS||$1,335|
|Jeep Grand Cherokee Laredo 2WD||$1,340|
|Ford Explorer Eddie Bauer AWD||$1,362|
|Ford Focus SEL 4-Dr Sedan||$1,383|
|Ford Edge Limited AWD||$1,407|
|Toyota Corolla XRS||$1,434|
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Cost estimates assume single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Premium costs do not factor in specific garaging location which can modify premiums noticeably.
Looking at the data, you can expect makes and models like the Hyundai Elantra, Ford Escape, Jeep Wrangler, Honda CR-V, and Chevrolet Impala should be a few of the most economical vehicles to insure for drivers with handicaps.
One of the many criteria that are looked at to help calculate the price you pay for insurance is where you live in Stockton. Areas with more people or higher crime rates tend to have higher auto insurance costs, whereas more rural areas have the enjoyment of a little cheaper coverage.
The information below ranks the priciest cities in California for handicapped drivers to purchase car insurance in. Stockton is ranked #12 with the annual price of $1,541 for coverage, which is around $128 monthly.
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Rates are approximated as vehicle location can decrease or increase premium rates greatly.
Finding out which companies quote the most affordable insurance rates for handicapped drivers involves more work than just quoting one company’s rates. Every insurance provider has a unique formula for establishing rates, so to begin we’ll rank the insurance companies with the overall best prices in California.
It’s a good idea to be aware that Stockton insurance rates are based on many factors which can significantly increase or decrease the price you pay. Simply having another birthday, getting divorced, or having an at-fault accident can trigger rate changes resulting in some companies being cheaper than competitors.
Lowest Insurance Price Quotes in California
USAA may have some of the lowest car insurance rates in Stockton at around $1,121 annually. Wawanesa, Century National, Nationwide, and CSAA also rank well as some of the most economical Stockton, CA auto insurance companies.
In the above rates, if you are insured with Wawanesa and switched to USAA, you could see yearly savings of around $25. Insureds with Century National could save as much as $93 a year, and Nationwide policyholders might reduce rates by $105 a year.
It’s important to note that these policy rates are averaged across all drivers and vehicles and and are not figured with a specific location for handicapped drivers. So the auto insurance company that fits your needs best may not even be in the top 24 companies in the list above. That’s why you need to compare rates from as many companies as possible using your own specific driver information and vehicle.
The diagram below shows how choosing a deductible can change annual premium costs when trying to find cheap insurance for handicapped drivers. The costs are based on a married female driver, comprehensive and collision coverage, and no discounts are applied to the premium.
The data above shows that a 40-year-old driver could lower their car insurance rates by $408 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $614 by choosing a $1,000 deductible. Even younger drivers, like the Age 20 category, have the ability to save as much as $1,008 every year by choosing larger deductibles on their policy. When insureds make the decision to increase the deductibles on their policy, it is a good idea to have enough savings to allow you to pay the extra out-of-pocket expense that is associated with using high deductibles.
How accidents and tickets impact rates
In a perfect world, the best way to score low insurance rates for drivers with handicaps is to pay attention while driving and avoid accidents and keep your driving record clean. The illustration below demonstrates how traffic citations and at-fault collisions drive up insurance rates for each different age category. The price estimates are based on a married male driver, comp and collision included, $1,000 deductibles, and no policy discounts are applied.
The data above shows the average cost of auto insurance in California per year with a clean driving record and no accidents is $2,122. Add in two speeding tickets and the average cost rises to $2,920, an increase of $798 each year. Then add two accidents along with the two speeding tickets and the 12-month cost of insurance for handicapped drivers increases to an average of $6,226. That’s an increase of $4,104, or $342 per month, just for being a little careless behind the wheel!
Low rates today, overpriced tomorrow
California insurance rates are influenced by many factors that control the price you pay. Simply getting older, moving to a new city, or getting a ticket for careless driving can trigger rate changes that can make some companies more affordable than the competition.
In addition, insurers file new California auto insurance rates multiple times each year in order to maintain liquidity for claims. Heavy losses may result in increased rates, while better underwriting may result in lower-priced Stockton car insurance rates.
The bar chart below shows which companies have the cheapest car insurance in Stockton, CA for a 40-year-old female driver with no prior claims, no tickets, and excellent credit. Based on her current risk profile, Wawanesa may offer the best car insurance rates in Stockton at $1,371 each year. This is $280 less than the average premium paid by California drivers of $1,651. USAA, Century National, CSAA, and Nationwide also make the list of the most affordable Stockton, CA auto insurance companies.
In this example, we will give the driver from the first set of rates a claim or two, poor credit, and a blemish on her driving record. Due to the fact that each insurance company has a unique approach for determining rates, comparing quotes may now present a new list of companies as shown below.
Grange now has the cheapest rate in Stockton with Allstate, Allied, Mercury, and Progressive completing the list. This demonstrates why it is critical to perform a complete rate comparison to get cheap insurance rates for handicapped drivers. Auto insurance prices are impacted by many different factors and can change substantially, so the lowest-price company when you last compared rates may now cost much more than other companies.
Tips for finding low-cost insurance for handicapped drivers
It is possible to find better rates, and here are a few penny-pinching solutions that can help California drivers quote cheap auto insurance.
- Home or renters coverage can save on auto insurance
- Buy a vehicle with excellent safety ratings
- Don’t waste money on full coverage for older vehicles
- Good credit can help you save money
- Prevent price hikes by avoiding at-fault accidents
- Compare rates once a year for cheaper prices
The last item on the list is particularly important, as was discussed in the prior information. Prices charged by companies in Stockton can change significantly in a year, so don’t be afraid to buy from a new company if a better rate can be found.
Having brand loyalty is commendable, but it’s not a great idea if that inflexibility results in costing you a small fortune year after year. Take a few minutes and compare prices and find cheaper insurance for handicapped drivers.
The agencies below are willing to help you decide which car insurance policy is best, since lots of people like to get some professional advice when trying to find the best insurance rates for handicapped drivers. It’s not always easy to find the cheapest rate yourself, and professional agents can add comfort knowing your policy gives you sufficient protection if you have a claim. To find an auto insurance agency using an interactive map, click the button following the list.
- Pan American Insurance Agency
2800 W March Ln – Stockton, CA 95219 – (209) 955-2600
- Mark Berbower Insurance Agency
2 W Swain Rd – Stockton, CA 95207 – (209) 405-1088
- Allstate Insurance Agent: Tim Delaney
3244 Brookside Rd #170 – Stockton, CA 95219 – (209) 943-8344
- Angel Sepulveda – State Farm – Stockton
6838 Pacific Ave – Stockton, CA 95207 – (209) 952-2154