Determining which companies offer the most affordable auto insurance rates for state employees calls for more work in order to find the best policy. Each auto insurer has a unique formula for setting rates, so we need to take a look at the most competitive auto insurance companies in Stockton, CA.
Cheap Insurance Rates in California
|Rank||Company||Cost Per Year|
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USAA quotes some of the cheapest car insurance rates in Stockton at around $1,109 annually. This is $542 less than the average policy premium paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide would also make the list of some of the cheapest Stockton, CA insurance companies.
In the rate table above, if you are insured with Century National and switched to USAA, you might realize an annual savings of in the neighborhood of $81. California drivers with Nationwide might save as much as $104 a year, and 21st Century policyholders might lower prices by up to $229 a year.
To find out how much you can save, click here to get quotes or visit several of the following companies.
It’s important to note that these prices are averages across all drivers and vehicles in California and do not factor in a specific zip code for state employees. So the auto insurance company that fits your needs best may not even be in the top 24 companies shown above. That helps illustrate why you need to compare prices as often as possible using your own driver and vehicle profiles.
The vehicle you are buying coverage for is one of the biggest factors that determines whether or not you find the lowest-priced coverage for state employees. Vehicles with average performance, an excellent safety record, or low incidents of liability claims will cost substantially less to insure than adrenaline junky models.
The data below outlines insurance premiums for a number of the most budget-friendly automobiles to insure in California.
|Vehicle||Estimated Cost for Full Coverage|
|Honda Accord EX-L 4-Dr Sedan||$1,227|
|Hyundai Elantra SE Touring Station Wagon||$1,234|
|Jeep Wrangler Rubicon 4WD 2-Dr||$1,271|
|Ford Escape Limited 2WD||$1,329|
|Ford Explorer Limited 2WD||$1,367|
|Honda CR-V EX 2WD||$1,389|
|Toyota Corolla XLE||$1,411|
|GMC Sierra 2500HD SLE Crew Cab 4WD||$1,438|
|Jeep Grand Cherokee SRT-8 4WD||$1,443|
|Nissan Rogue SL 2WD||$1,438|
|GMC Sierra SLE Crew Cab 4WD||$1,448|
|Chevrolet Malibu LTZ||$1,438|
|Chevrolet Silverado 3500HD LT Crew Cab 2WD||$1,462|
|Toyota Tacoma 2WD||$1,510|
|Chevrolet Equinox LT 2WD||$1,539|
|Toyota Camry LE||$1,546|
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Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Premium amounts do not factor in vehicle garaging location which can influence insurance rates greatly.
Looking at the rates, models like the Honda Accord, Hyundai Elantra, and Toyota Prius are most likely going to be a few of the most budget-friendly vehicles to insure for state workers.
Types of discounts on Stockton insurance rates
Insurers that offer coverage for state employees may also offer policy discounts that could lower prices by as much as 35% if you are eligible for them. A few of the larger companies and some of their more popular discounts are:
- American Family may include discounts for early bird, defensive driver, good driver, mySafetyValet, and TimeAway discount.
- Farm Bureau has discounts for renewal discount, youthful driver, safe driver, multi-vehicle, multi-policy, and driver training.
- State Farm offers discounts including safe vehicle, driver’s education, good driver, good student, multiple autos, anti-theft, and Drive Safe & Save.
- Travelers has savings for multi-policy, student away at school, save driver, new car, early quote, and good student.
- The Hartford policyholders can earn discounts including driver training, good student, anti-theft, bundle, air bag, vehicle fuel type, and defensive driver.
- GEICO may offer discounts for five-year accident-free, multi-policy, anti-theft, daytime running lights, emergency military deployment, driver training, and seat belt use.
- Progressive may have discounts that include good student, online quote discount, online signing, multi-vehicle, multi-policy, and homeowner.
The diagram below shows the comparison of annual premium costs with and without discounts applied. The data assumes a male driver, no violations or accidents, California state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with marriage, multiple vehicle, vehicle safety, anti-theft, accident-free, and safe-driver discounts applied. When discounts are applied, the average savings per year on auto insurance for state employees is 28% or $875.
The example below shows how choosing a deductible can change premium costs when searching for cheap insurance for state employees. The rates are based on a single male driver, comp and collision included, and no discounts are factored in.
In the chart above, a 40-year-old driver could reduce rates by $492 a year by switching from a $100 deductible up to a $500 deductible, or save $738 by selecting a $1,000 deductible. Even younger insureds, such as the 20-year-old chart data, could reduce their rates up to $1,640 annually just by choosing higher deductibles when buying full coverage. If you make the decision to raise deductibles, it is necessary to have plenty of money set aside to offset the extra out-of-pocket expense, which is the one shortcoming of high deductibles.
Chances are good that you’re overpaying for Stockton car insurance
Stockton auto insurance rates are impacted by many things that control the price of coverage. Improving your credit rating, marrying your spouse, or getting a reckless driving citation may prompt premium changes that may make certain companies cheaper than others. Additionally, insurance companies change the rates they charge in California at least once a year as an adjustment for underwriting gains or losses. Unexpectedly high claims can result in more expensive premiums, while a better loss history may produce cheaper Stockton car insurance rates.
For instance, the bar chart below shows rates for the cheapest car insurance in Stockton, CA for a 30-year-old male driver with a clean driving record, no accidents, and a good credit history. If we estimate prices based on his personal profile, USAA might offer the best car insurance rates in Stockton at $1,395 annually. This is $256 less than the average rate paid by California drivers of $1,651. Wawanesa, CSAA, Nationwide, and Century National are the remaining most affordable Stockton, CA auto insurance companies.
In the next rate comparison, we’ll give the driver in the first example an accident surcharge, a little lower credit rating, and a stop sign violation. Since each auto insurer has a proprietary method to set their prices, comparing prices will most likely result in a completely different list of affordable companies as shown below.
Grange now has the lowest car insurance rate in Stockton with Progressive, GEICO, Allied, and Allstate also being competitive. This illustrates why consumers need to take the time to compare rates when trying to find the lowest insurance quotes for state employees.
Auto insurance prices are determined by many different factors and change dramatically, so the most economical option two years ago may now be costing you a lot of money.
The Stockton car insurance agencies listed below can provide answers to your questions and help you determine which auto insurance coverages would be the best in your situation, as some people have coverage questions and would like to have professional advice when shopping around for cheaper insurance for state employees. It can be complicated to find the best policy on your own, and getting advice from a licensed agent can add peace of mind knowing your policy gives you enough protection.
To locate a Stockton insurance agent close to you, click the button below the list.
- Jim Molina – State Farm Insurance Agent
7273 Murray Dr #7 – Stockton, CA 95210 – (209) 473-0516
- RVA Insurance Agency, Inc
1341 West Robinhood Drive, ste A-1 – Stockton, CA 95207 – (209) 898-0650
- Nationwide Insurance: Larry Benson Insurance Agency Inc
4545 Georgetown Pl Ste A1 – Stockton, CA 95207 – (209) 337-0241
- State Farm: Cheryl Bentley
1502 St Marks Plaza #2 – Stockton, CA 95207 – (209) 952-5065