It’s safe to assume that insurance companies don’t want policyholders to compare prices from other companies. Insureds who shop around for the cheapest price are very likely to switch car insurance companies because there is a high probability of finding better rates. A recent survey found that consumers who routinely shopped for cheaper coverage saved on average $865 a year compared to those who don’t make a habit of comparing rates.
If saving the most money on auto insurance is why you’re here, then having some insight into how to shop for insurance coverage can make the process less intimidating.
The most effective way to get low-cost Nissan Juke insurance in Stockton is to compare quotes once a year from providers who provide car insurance in California. Rate comparisons can be done by following these steps.
Step 1: It will benefit you to learn about how insurance companies determine prices and the steps you can take to prevent expensive coverage. Many risk factors that are responsible for high rates like at-fault accidents, careless driving, and a not-so-good credit score can be eliminated by improving your driving habits or financial responsibility. Read the full article for more information to help find cheaper rates and get additional discounts that may have been overlooked.
Step 2: Compare rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only quote rates from a single company like Progressive and State Farm, while independent agencies can provide rate quotes from multiple insurance companies.
Step 3: Compare the new rates to your existing coverage and see if you can save money. If you find better rates and buy the policy, make sure the effective date of the new policy is the same as the expiration date of the old one.
Step 4: Notify your company or agent of your intention to cancel your existing policy and submit payment and a completed application to your new agent or company. Immediately upon receiving it, put the new certificate verifying coverage in an easily accessible location in your vehicle.
One key aspect when comparing rates is to make sure you enter identical limits and deductibles on each quote request and and to get rates from all possible companies. This ensures the most accurate price comparison and the best price quote selection.
If you have coverage now, you will be able to buy cheaper car insurance using these methods. Locating affordable coverage in Stockton can be fairly easy. But California consumers do need to understand how insurance companies calculate your car insurance rates because it can help you find the best coverage.
Companies offering Nissan Juke insurance in Stockton
The following companies are our best choices to provide price comparisons in Stockton, CA. If multiple companies are shown, we suggest you visit two to three different companies to get a more complete price comparison.
Informed Decisions Result in Lower Insurance Prices
Many factors are used in the calculation when pricing auto insurance. Most are fairly basic like a motor vehicle report, although some other factors are more obscure such as your credit history or your vehicle rating. When buying car insurance it’s important to understand some of the factors that help calculate your car insurance rates. If you understand what determines base rates, this empowers consumers to make smart changes that could result in better car insurance rates.
Shown below are just a few of the factors car insurance companies consider when setting prices.
Mature drivers save more – Older people are more cautious drivers, statistically cause fewer accidents, and get fewer tickets. Young drivers are statistically shown to be inattentive and easily distracted when driving with friends so they pay higher car insurance rates.
Premiums are impacted by vehicle performance – The make and model of the vehicle you drive makes a huge difference in the rate you pay. The lowest premiums are usually found on lower cost passenger models, but your final cost has many other factors.
Keep insurance claims to a minimum – Auto insurance companies in California provide the best rates to insureds who only file infrequent claims. If you are the type of insured that files lots of claims you can pretty much guarantee either policy cancellation or increased premiums. Your car insurance is meant to be used in the event of more catastrophic claims.
Demanding employer may mean higher prices – Occupations like real estate brokers, business owners, and miners have higher rates than the rest of us in part from high stress and lots of time spent at work. Other careers such as scientists, students and performers pay the least.
Limits of liability coverage – The liability coverage on your policy will protect you if ever a jury decides you are liable for damages from an accident. Your liability coverage provides you with a defense in court starting from day one. Liability insurance is pretty cheap when compared with rates for comp and collision, so drivers should make sure they buy enough to cover all assets.
Theft deterrents save – Driving a car with anti-theft technology or alarm system can earn a premium discount. Anti-theft devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping your car from being stolen.
Where you live factors in – Living in less populated areas may provide you with better prices when talking about car insurance. Fewer drivers and short commutes means reduced accidents and lower theft and vandalism rates. People in densely populated areas tend to have more road rage incidents and a longer drive to work. Spending more time driving means more chance of being in an accident.
Nissan Juke statistical loss data – Insurers use past loss statistics for each vehicle when determining insurance rates. Vehicles that the data determines to have increased claim numbers or amounts will have a higher premium rate. The table below illustrates the insurance loss data for Nissan Juke vehicles.
For each type of coverage, the loss probability for all vehicles, regardless of manufacturer or model, is equal to 100. Numbers shown that are under 100 are indicative of better than average losses, while values that are above 100 point to more losses or a tendency for losses to be larger than average.
|Vehicle Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Nissan Juke 2WD||101||104||77||111||134||113|
|Nissan Juke 4WD||107||112||75||120||115||105|
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Get cheaper rates by taking advantage of discounts
Some companies don’t always publicize their entire list of discounts very clearly, so we break down both well-publicized as well as the least known discounts that you may qualify for.
- Discount for Low Mileage – Low mileage vehicles may enable drivers to earn discounted rates on garaged vehicles.
- Good Driver Discounts – Insureds who avoid accidents can save up to 40% or more on their Stockton auto insurance quote than drivers with accidents.
- Good Student – Getting good grades can be rewarded with saving of up to 25%. The discount lasts up until you turn 25.
- Seat Belts Save more than Lives – Drivers who require all vehicle occupants to buckle up could save 15% off PIP or medical payments premium.
- Telematics Data – Stockton drivers who agree to allow driving data submission to scrutinize where and when they drive by using a small device installed in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive might get better premium rates as long as they are good drivers.
- Senior Citizen Rates – Drivers that qualify as senior citizens can get a small discount on rates.
- Life Insurance Discount – Insurance carriers who offer life insurance give a discounted premium rate on car insurance if you buy life insurance from them.
- New Vehicle Savings – Insuring a vehicle that is new may earn a small discount since new model year vehicles are generally safer.
- One Accident Forgiven – This isn’t a discount exactly, but a handful of insurance companies will forgive one accident before your rates go up if your claims history is clear for a specific time period.
- Club Memberships – Having an affiliation with certain professional organizations could trigger savings on your policy.
One thing to note about discounts is that most credits do not apply to the entire policy premium. The majority will only reduce individual premiums such as medical payments or collision. Even though it appears all the discounts add up to a free policy, nobody gets a free ride.
A partial list of companies that may offer some of the discounts shown above include:
Check with every prospective company which discounts you may be entitled to. Some credits might not be available to policyholders in your state.
When to contact an insurance agent
Certain consumers would rather visit with an insurance agent and we recommend doing that A good thing about comparing insurance prices online is the fact that you can find lower premium rates and also buy local. Supporting neighborhood agents is important particularly in Stockton.
Once you complete this simple form, your information gets sent to participating agents in Stockton that give free quotes for your coverage. There is no reason to contact an agency because prices are sent to you instantly. You can find better rates without a big time investment. In the event you want to get a rate quote from one company in particular, just visit that company’s website to submit a rate quote request.
When searching for a good insurance agency, you must know there are a couple different types of agencies and how they can write your policy. Car insurance agents can either be independent or exclusive depending on the company they work for.
Independent Car Insurance Agencies or Brokers
Agents that elect to be independent are normally appointed by many insurers and that is an advantage because they can write policies through lots of different companies and find the cheapest car insurance rates. If you are not satisfied with one company, your agent can just switch to a different company and that require little work on your part. If you need cheaper car insurance rates, you need to compare quotes from a couple of independent agencies to get the most accurate price comparison. Many independent agencies also insure through small mutual carriers who may have lower rates.
Featured below are independent agencies in Stockton that can give you free rate quotes.
- Insurance Services of Stockton
1150 W Robinhood Dr # 1A – Stockton, CA 95207 – (209) 474-6174 – View Map
- Nationwide Insurance: Larry Benson Insurance Agency Inc
4545 Georgetown Pl Ste A1 – Stockton, CA 95207 – (209) 337-0241 – View Map
- Big Savings Insurance Agency, Inc
7153 Pacific Ave – Stockton, CA 95207 – (209) 956-2000 – View Map
Exclusive agents work for only one company like State Farm, Allstate, or Farmers Insurance. Exclusive agents cannot give you multiple price quotes so if the price isn’t competitive there isn’t much they can do. Exclusive insurance agents are well schooled on the products they sell and that can be a competitive advantage. Consumers frequently choose to use an exclusive agent mainly due to the brand and solid financial strength.
Below are Stockton exclusive insurance agencies that are able to give price quote information.
- Ramon Fernandez – State Farm Insurance Agent
3443 Deer Park Dr D – Stockton, CA 95219 – (209) 461-0170 – View Map
- Don Widmer – State Farm Insurance Agent
2155 W March Ln a – Stockton, CA 95207 – (209) 951-4008 – View Map
- Angel Sepulveda – State Farm – Stockton
6838 Pacific Ave – Stockton, CA 95207 – (209) 952-2154 – View Map
Choosing an car insurance agent needs to be determined by more than just the price. You should also get answers to these questions.
- How much can you save by raising your physical damage deductibles?
- Will the company cover a rental car if your car is getting fixed?
- Is working in the agency their full-time job?
- Where would glass claims be handled in Stockton?
- Will they make sure you get an adequate claim settlement?
- Are there any discounts that you might be missing?
- How many years have they been established?
- Is the agent and/or agency licensed to do business in California?
Stockton auto insurance companies ranked
Finding a highly-rated car insurance company can be rather challenging considering how many companies there are in California. The company ratings in the next section may help you select which car insurance companies to look at shopping prices with.
Top 10 Stockton Car Insurance Companies Overall
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- The General
- Titan Insurance
Don’t give up on affordable coverage
People change insurance companies for a variety of reasons including denial of a claim, extreme rates for teen drivers, questionable increases in premium or high prices. No matter why you want to switch, finding a great new company can be easy and end up saving you some money.
When trying to cut insurance costs, it’s very important that you do not skimp on coverage in order to save money. There have been many cases where drivers have reduced uninsured motorist or liability limits and learned later that it was a big error on their part. Your goal should be to find the BEST coverage at the best price and still be able to protect your assets.
You just read a lot of techniques to save on Nissan Juke insurance in Stockton. The key concept to understand is the more you quote Stockton auto insurance, the higher your chance of finding cheaper Stockton auto insurance quotes. Drivers may even discover the lowest car insurance rates are with some of the lesser-known companies.
Much more information about auto insurance in California can be found at the links below
- Protect Yourself Against Auto Theft (Insurance Information Institute)
- Who Has Affordable Auto Insurance Quotes for a Hyundai Sonata in Stockton? (FAQ)
- How Much are Stockton Car Insurance Quotes for a Toyota Camry? (FAQ)
- Who Has the Cheapest Stockton Car Insurance Rates for a Ford Escape? (FAQ)
- Who Has Affordable Auto Insurance for Immigrants in Stockton? (FAQ)
- Think You’re a Safe Driver? (State Farm)
- What is Covered by GAP Insurance? (Allstate)
- Booster Seat Ratings (iihs.org)