Did you fall for a flashy sales pitch and buy overpriced Scion tC insurance in Stockton? It’s a common feeling and there are many Stockton consumers feeling the pinch from expensive car insurance.
It’s an obvious conclusion that car insurance companies don’t want their customers to go rate shopping. Insureds who shop around for better prices are inclined to switch companies because there is a good chance of finding coverage at a more affordable price. A recent car insurance study discovered that drivers who shopped around annually saved approximately $70 a month as compared to drivers who never compared rates.
If finding the cheapest price on car insurance in Stockton is your target objective, learning how to choose a company and compare car insurance can help make the process easier and more efficient.
Drivers have multiple auto insurance companies to insure vehicles with, and though it is a good thing to be able to choose, having more insurers makes it harder to compare rates for Scion tC insurance in Stockton.
Consumers should take time to do rate comparisons as often as possible because insurance prices are usually higher with each renewal. Even if you think you had the best deal on Scion tC insurance in Stockton on your last policy there is a good chance you can find better rate quotes now. There is lot of inaccurate information about tC insurance out there, but I’m going to show you some great ways to lower your car insurance premiums.
Most major insurance companies make it easy to get coverage price quotes direct online. Getting online rates for Scion tC insurance in Stockton is very simple because it’s just a matter of typing in the coverage amounts you desire as detailed in the form. Once you submit the form, the quote system pulls reports for credit and driving violations and generates a price based on the data you entered. This helps simplify price comparisons, and it is imperative to get many rate quotes in order to get cheap prices.
In order to find out what other companies charge, take a look at the companies shown below. If you currently have coverage, we recommend you enter your coverages identical to your current policy. This way, you will receive rate comparison quotes using the same coverage and limits.
The companies shown below can provide price comparisons in Stockton, CA. If the list has multiple companies, we recommend you visit several of them to find the most affordable car insurance rates.
Insurance protects more than just your car
Even though it can be expensive, paying for insurance is mandatory in California but it also protects more than you think.
- Just about all states have mandatory liability insurance requirements which means state laws require a specific level of liability coverage if you want to drive legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you took out a loan on your Scion tC, most banks will require that you carry insurance to ensure loan repayment if the vehicle is totaled. If you default on your policy, the lender will be forced to insure your Scion at a more expensive rate and force you to pay the higher price.
- Insurance protects both your Scion and your assets. It also can pay for medical bills incurred in an accident. One policy coverage, liability insurance, also pays for attorney fees and expenses if someone files suit against you as the result of an accident. If mother nature or an accident damages your car, your policy will pay to repair the damage.
The benefits of insuring your tC definitely exceed the cost, especially when you need to use it. The average driver in California is wasting up to $700 annually so compare rate quotes at every policy renewal to help ensure money is not being wasted.
Coverage analysis
The premium information displayed next outlines a range of policy rates for Scion tC models. Understanding how insurance prices are determined can be useful when making informed decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| TC 2-Dr Hatchback | $182 | $482 | $580 | $34 | $174 | $1,452 | $121 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Rate information does not factor in garaging location in Stockton which can affect prices substantially.
The illustration below illustrates how your choice of deductibles and can influence Scion tC insurance premiums for different insured age categories. The information is based on a married female driver, full coverage, and no other discounts are factored in.
Discounts can help lower rates on Scion tC insurance in Stockton
The price of auto insurance can be rather high, but there could be available discounts that many people don’t even know exist. A few discounts will be applied at the time of quoting, but once in a while a discount must be manually applied in order for you to get them. If you do not double check each discount available, it’s possible you qualify for a lower rate.
- Driver Training Discounts – Taking part in a course teaching safe driver skills could possibly earn you a 5% discount depending on where you live.
- Government Employee Discount – Simply working for the federal government can save as much as 8% but check with your company.
- Air Bag Discount – Factory options such as air bags or motorized seat belts may get savings of up to 25% or more.
- New Vehicle Savings – Adding a new car to your policy can save up to 30% because new model year vehicles are generally safer.
- Military Deployment Discount – Having a deployed family member can result in better premium rates.
- Driver’s Education for Students – Require your teen driver to successfully take a driver’s education course in school or through a local driver safety program.
- College Student Discount – Any of your kids who live away from home to go to college and don’t have a car may qualify for this discount.
- No Accidents – Drivers with accident-free driving histories get the best car insurance rates in comparison to bad drivers.
- Good Student – This discount could provide a savings of up to 20% or more. Most companies allow this discount up until you turn 25.
- Data Collection Discounts – Insureds that choose to allow their company to track driving patterns by using a telematics device in their vehicle like Drivewise from Allstate or In-Drive from State Farm could see a rate decrease if they exhibit good driving behavior.
As is typical with insurance, most discount credits are not given to the whole policy. Most only apply to individual premiums such as liability and collision coverage. So even though you would think you would end up receiving a 100% discount, nobody gets a free ride.
The illustration below compares Scion tC insurance prices with and without discounts being applied to the rates. The premiums are based on a male driver, no violations or claims, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, multi-policy, marriage, homeowner, and claim-free discounts applied.
Popular car insurance companies and some of the premium reductions they offer can be found below.
- State Farm offers discounts for accident-free, passive restraint, Steer Clear safe driver discount, multiple policy, anti-theft, and safe vehicle.
- Farmers Insurance has discounts for mature driver, homeowner, bundle discounts, good student, alternative fuel, youthful driver, and distant student.
- Progressive may offer discounts for good student, online signing, homeowner, continuous coverage, online quote discount, and multi-policy.
- GEICO policyholders can earn discounts including multi-vehicle, emergency military deployment, multi-policy, air bags, and daytime running lights.
- Auto-Owners Insurance includes discounts for safe driver, student away at school, anti-theft, good student, and air bags.
- The Hartford offers discounts including bundle, driver training, good student, anti-theft, and air bag.
- Farm Bureau may include discounts for 55 and retired, good student, multi-vehicle, driver training, multi-policy, and renewal discount.
- USAA offers premium reductions for good student, defensive driver, driver training, annual mileage, military installation, and multi-policy.
It’s a good idea to ask each company or agent which discounts you may be entitled to. A few discounts might not be offered on policies in Stockton. To see a list of companies with the best discounts in Stockton, click here to view.
Best car insurance company in California
Selecting a high-quality auto insurance company can be challenging considering how many companies sell coverage in California. The information listed below can help you analyze which providers to look at comparing rates from.
Top 10 Stockton Car Insurance Companies Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA of Southern California – 92%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
Top 10 Stockton Car Insurance Companies by A.M. Best Rank
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+