The words “economical” and “insurance” probably shouldn’t be used together, especially when you are looking for the lowest insurance prices for good drivers. To help control this cost, let’s introduce you to some of the factors the can have a considerable influence on auto insurance premiums, and see how we can help you reduce the cost of your next policy.
The make and model of vehicle driven is probably the most important factor when shopping for affordable coverage for good drivers. Vehicles with lower performance, a great safety record, or low incidents of liability claims will cost less to insure than fast, unsafe models.
The data below outlines auto insurance premiums for the most cost-effective vehicles to buy coverage for.
|Vehicle Make and Model||Estimated Cost for Full Coverage|
|Honda Odyssey LX||$1,267|
|Jeep Wrangler Sport Islander Package 4WD 2-Dr||$1,274|
|Ford F-150 XL Super Cab 4WD||$1,293|
|Honda CR-V EX 2WD||$1,318|
|Jeep Grand Cherokee Laredo 4WD||$1,364|
|GMC Sierra SLE Regular Cab 2WD||$1,371|
|Dodge Grand Caravan SXT||$1,388|
|Chevrolet Malibu LTZ||$1,459|
|Toyota Corolla XRS||$1,464|
|Volkswagen Jetta 2.0T 4-Dr Sedan||$1,459|
|Nissan Rogue SL 2WD||$1,461|
|Ford Explorer XLT AWD||$1,481|
|Dodge Ram Crew Cab ST 2WD||$1,486|
|GMC Sierra 3500HD SLE Regular Cab 2WD||$1,493|
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Table data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Price information does not factor in vehicle location which can change coverage prices substantially.
Based upon these rates, you can expect vehicles like the Honda Odyssey, Jeep Wrangler, and Toyota Prius are going to be some of the more affordable vehicles to insure for safe drivers.
One of the more important criteria that are looked at to determine auto insurance rates is where you live. Areas with a lot of weather claims or more people tend to have more expensive car insurance rates, whereas areas with less crime or weather claims benefit from having to pay less for coverage.
The table below rates the highest-priced places in California for good drivers to buy auto insurance in. Stockton ranks #8 with an annual cost of $1,588 for the average insured, which is approximately $132 per month.
|Rank||City||Premium Per Year|
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Annual rates are approximated as specific location information can increase or decrease rates noticeably.
Trying to buy budget auto insurance is easier said than done, and deciding which companies offer the cheapest auto insurance rates for good drivers takes even more perseverance. Every car insurance company has a unique approach for setting rates, so let’s begin by taking a look at the auto insurance companies with the most affordable rates in California.
It’s a good idea to be aware that California auto insurance rates are determined by lots of factors which can substantially change the price you have to pay for coverage. Improving your financial situation, moving to a different location, or getting a DUI may cause policy rate changes that can cause some rates to be more affordable than before.
Best Car Insurance Prices for Good Drivers
|Rank||Company||Cost Per Year|
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USAA offers some of the lowest car insurance rates in Stockton at around $1,143 a year. Wawanesa, Century National, CSAA, and Nationwide would also make the list of some of the more affordable Stockton, CA auto insurance companies.
As the rates illustrate above, if you buy coverage from Nationwide and switched to Wawanesa, you could realize annual savings of about $80. Policyholders with 21st Century may save as much as $220 a year, and Grange customers might reduce rates by $287 a year.
To compare your rates to other California insurance companies, click here to get a free quote or quote prices from the following companies.
Bear in mind that those rates are averages for all ages of drivers and types of vehicles and do not take into consideration a specific vehicle garaging location for good drivers. So the company that is most affordable for your situation may not even be in the list above. That helps illustrate why you need to get rate quotes using your own specific driver and vehicle information.
Discounts on Stockton insurance rates
Insurers that provide coverage for good drivers may also offer discounts that can lower rates by 30% or more if you are eligible for them. A few popular companies and some of the discounts include:
- State Farm offers premium reductions for multiple autos, anti-theft, Steer Clear safe driver discount, good student, passive restraint, student away at school, and driver’s education.
- Nationwide offers discounts including easy pay, accident-free, defensive driving, multi-policy, good student, family plan, and Farm Bureau membership.
- GEICO discounts include defensive driver, daytime running lights, multi-vehicle, anti-theft, driver training, seat belt use, and good student.
- AAA offers discounts for multi-car, education and occupation, AAA membership discount, pay-in-full, and good student.
- 21st Century includes discounts for theft prevention, homeowners, teen driver, anti-lock brakes, and good student.
- The Hartford may offer discounts for defensive driver, good student, driver training, anti-theft, vehicle fuel type, bundle, and air bag.
The diagram below shows the comparison of insurance rates with and without discounts applied to the policy rates. The costs are based on a female driver, no violations or accidents, California state minimum liability limits, full coverage, and $1,000 deductibles.
The first bar for each age group shows the price with no discounts. The lower bar shows the rates with defensive driving course, claim-free, marriage, multiple vehicle, vehicle safety, and passive restraint discounts applied. In this example, theamount saved on auto insurance for good drivers is 28% or $493.
Full coverage rates compared to liability-only
Paying a lower price for auto insurance is important to the majority of people, and a great way to save on the cost of insurance for good drivers is to only pay for liability coverage. The information below shows the comparison of car insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in California. The premium estimates are based on a clean driving record, no at-fault accidents, $100 deductibles, drivers are not married, and no policy discounts are applied.
Averaged for all age groups, comprehensive and collision coverage on your policy costs an additional $2,812 per year more than just insuring for liability. Lot’s of drivers question if paying for full coverage is worth it. There isn’t a written rule that works best for making the decision to drop physical damage coverage on your policy, but there is a general guideline. If the annual cost of having full coverage is about 10% or more of the settlement you would receive from your company, then you might want to think about dropping full coverage.
For example, let’s say your vehicle’s settlement value is $9,000 and you have $1,000 deductibles. If your vehicle is totaled, the most your company will settle for is $8,000 after the deductible is paid. If premium cost is more than $800 a year for physical damage coverage, then it may be the right time to buy liability only.
Stockton auto insurance company ratings
Picking the top car insurance company can be a challenge considering how many different companies sell coverage in California. The company rank data listed below may help you decide which insurers to look at putting your business with. These rankings include the largest companies in America, so companies without a large exposure will not be included in the list.
|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