Best Ways to Save on Stockton Honda Element Insurance

Do you want the cheapest car insurance rates in Stockton, CA? Stockton buyers have a choice when searching for affordable Honda Element insurance. They can either waste time driving around getting price quotes or use the internet to make rate comparisons. There is a better way to compare car insurance rates so we’re going to tell you the absolute fastest way to get price quotes for a new or used Honda and find the best price possible from Stockton insurance agents and online providers.

Consumers need to get comparison quotes as often as possible because rates are rarely the same from one policy term to another. Even if you got the best premium rates on Honda Element insurance in Stockton last year you can probably find a better price now. Forget all the misinformation about car insurance because you’re about to learn the things you must know in order to reduce your cost while improving coverage.

Cheapest companies for Honda Element insurance

The following companies are ready to provide free rate quotes in Stockton, CA. If more than one company is shown, we suggest you click on several of them to get a more complete price comparison.

Honda Element coverage statistics

The table shown next outlines different insurance prices for Honda Element models. Having a better idea how policy premiums are established can help customers make decisions when shopping your coverage around.

Prices above based on married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Information does not factor in vehicle garaging location which can raise or lower prices considerably.

Deductible analysis

When comparing car insurance rates, the most common question is how high should the physical damage deductibles be. The comparison tables below sum up the premium difference when you choose different policy deductibles. The first data table uses a $250 deductible for comp and collision and the second set of prices uses a $500 deductible.

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Prices do not factor in garaging location in Stockton which can change coverage prices noticeably.

Based on this data, using a $250 deductible will cost in the ballpark of $17 more each month or $204 each year averaged for all Element models than quoting the higher $500 deductible. Because you would pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you go at least 15 months between claims, you would probably save some money going with the higher deductible.

Impact of speeding/accidents on Stockton car insurance rates

The example below demonstrates how citations and accidents can drive up Honda Element auto insurance rates for different age groups. The costs are based on a married female driver, comp and collision included, $1,000 deductibles, and no additional discounts are factored in.

Does full coverage make sense?

The diagram below shows the difference between Honda Element auto insurance costs with full physical damage coverage compared to only buying liability only. The premiums are based on no driving violations, no at-fault accidents, $250 deductibles, drivers are not married, and no discounts are factored in.

When to switch to liability coverage only

There is no set guideline to delete physical damage coverage on your policy, but there is a general convention. If the annual cost of having full coverage is more than 10% of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.

For example, let’s assume your Honda Element replacement cost is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company will settle for is $2,000 after you pay the deductible. If you are paying over $200 a year for physical damage coverage, then it may be the right time to buy liability only.

There are a few cases where only buying liability is not in your best interest. If you haven’t paid off your loan, you have to keep full coverage in order to prevent your loan from defaulting. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should not consider dropping full coverage.

Cheap Stockton auto insurance quotes with discounts

Buying auto insurance is not cheap, but discounts can save money and there are some available that could drop your premiums quite a bit. Many of these discounts will be applied automatically at quote time, but some must be asked about prior to getting the savings.

• No Charge for an Accident – Not a discount per se, but some companies like Allstate and GEICO may permit one accident without the usual rate increase if you have no claims before the accident.
• Early Signing – A few insurance companies offer discounts for buying a policy prior to your current Element insurance policy expiration. It could save around 10% when you buy Stockton car insurance online.
• Clubs and Organizations – Affiliation with specific professional or occupational memberships or organizations could qualify you for a break on your next auto insurance statement.
• Seat Belts Save more than Lives – Drivers who require all occupants to use a seat belt can save a little on the medical payments or PIP coverage costs.
• Sign Online – A handful of insurance companies will give a small break for signing up on the internet.
• Defensive Driver Discounts – Passing a course in safe driver may get you a small discount depending on where you live.
• College Student – Kids who are attending college and do not take a car to college can receive lower rates.

Policy discounts save money, but most credits do not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates you would end up receiving a 100% discount, it doesn’t quite work that way.

The illustration below illustrates the comparison of Honda Element auto insurance rates with and without discounts being applied to the rates. The price estimates are based on a female driver, no claims or driving violations, California state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, marriage, multi-car, multi-policy, and homeowner discounts applied.

To choose insurance companies who offer discounts in California, click here.

Good Decisions Result in Lower Insurance Prices

Many factors are part of the calculation when you quote your car insurance policy. Some of the criteria are obvious like your driving record, but other factors are not quite as obvious like where you live and annual miles driven.

• Better prices with anti-theft devices – Owning a car that has an advanced theft prevention system can get you a discount on your insurance. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your vehicle from being stolen.
• How much liability – Liability coverage is the protection if you are responsible for physical damage or personal injury to other. This coverage provides legal defense coverage which can cost thousands of dollars. This coverage is very inexpensive compared to physical damage coverage, so do not skimp.
• Credit history impact insurance premiums – A driver’s credit rating is a big factor in your rate calculation. Therefore, if your credit could use some work, you could potentially save money when insuring your Honda Element if you clean up your credit. Drivers who have excellent credit scores tend to be better drivers and file fewer claims as compared to drivers with bad credit.
• Your spouse saves you money – Your spouse can actually save you money when buying insurance. Having a significant other generally demonstrates drivers are more stable financially and statistics prove married drivers tend to have fewer serious accidents.

• Are males or females drivers cheaper? – The statistics show women are more cautious behind the wheel. However, don’t assume that males are worse at driving than females. Both sexes are responsible for accidents at about the same rate, but men tend to have more serious accidents. Not only that, but men also receive more major tickets like reckless driving and DUI. Males from age 16 to 21 generally have the highest accident percentage so they pay the highest premiums.

  The information below shows the comparison of Honda Element premium costs for male and female drivers. The data is based on no claims or driving citations, full coverage, $250 deductibles, single status, and no other discounts are factored in.

• Costs increase with policy add-ons – There are a ton of extra coverages that sound like a good idea at the time on your Element policy. Insurance for coverage for rental cars, accident forgiveness, and additional equipment coverage are examples of these. These may sound like a good investment when discussing your needs, but if you don’t need them eliminate them to save money.
• Never go without insurance – Driving any period of time without insurance can get you a ticket and you will pay a penalty because you let your insurance lapse. Not only will rates go up, being ticketed for driving with no insurance could earn you a fine, jail time, or a revoked license. You may then have to file a SR-22 with the California motor vehicle department.
• Discounts for auto and home policies – Some insurers apply discounts to customers who have multiple policies with them. It’s known as a multi-policy discount. Even with this discount applied, you may still want to compare other company rates to guarantee you are still saving the most.

Compare rates but buy from a neighborhood Stockton auto insurance agent

Many people would rather sit down and talk to an agent and that is just fine! Experienced insurance agents are trained to spot inefficiencies and give you someone to call. A good thing about comparing auto insurance online is you can get better rates and still buy from a local agent.

After completing this form (opens in new window), your insurance coverage information is transmitted to insurance agents in Stockton who will gladly provide quotes for your business. It simplifies rate comparisons since you won’t have to visit any agencies because prices are sent directly to your email. If you need to compare prices from one company in particular, just navigate to their website and complete a quote there.

Picking the best provider should include more criteria than just the bottom line cost. These are some questions you should get answers to.

• Which insurance companies are they affiliated with?
• Do they have a Better Business Bureau rating in Stockton?
• How long has their agency been open in Stockton?
• Are there any discounts that you might be missing?
• Will one accident increase rates?

Choose an insurance agent wisely

When searching for an insurance agent, it helps to know the two types of agencies and how they can write your policy. Auto insurance policy providers are categorized either independent (non-exclusive) or exclusive. Both types of agents can do a good job, but it’s worth learning how they are different since it can affect your selection of an agent.

Exclusive Agencies

Exclusive agents can only provide pricing for a single company and examples are AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agencies are unable to compare rates from other companies so it’s a take it or leave it situation. Exclusive insurance agents are usually quite knowledgeable in insurance sales which can be an advantage. Some consumers prefer to buy insurance from these agents mostly because of the brand rather than having low rates.

The following are exclusive insurance agents in Stockton that can give you rate quotes.

• Kim Martinez – State Farm Insurance Agent
  4255 Pacific Ave #5 – Stockton, CA 95207 – (209) 478-4010 – View Map
• Jeff Kroll – State Farm Insurance Agent
  8855 Thornton Rd A – Stockton, CA 95209 – (209) 473-7104 – View Map
• Angel Sepulveda – State Farm – Stockton
  6838 Pacific Ave – Stockton, CA 95207 – (209) 952-2154 – View Map

More insurance agents

Independent Agents (or Brokers)

Independent agencies do not sell for just one brand so they can insure your vehicles with a variety of different insurance companies and find the cheapest auto insurance rates. To transfer your coverage to a different company, the agent simply finds a different carrier which requires no work on your part.

When comparison shopping, we recommend you include price quotes from several independent insurance agents so that you can do a thorough price comparison. Most can insure with companies that do not advertise much that many times have cheaper rates.

Listed below are Stockton independent insurance agencies willing to provide price quote information.

• Insurance Services of Stockton
  1150 W Robinhood Dr # 1A – Stockton, CA 95207 – (209) 474-6174 – View Map
• Travaille Insurance: Travaille Amy
  6735 Herndon Pl # A – Stockton, CA 95219 – (209) 473-1777 – View Map
• Truex Insurance Agency
  4609 Quail Lakes Dr #1 – Stockton, CA 95207 – (209) 477-1111 – View Map

More insurance agents

Don’t give up on cheap premiums

When you buy Stockton car insurance online, don’t be tempted to skimp on critical coverages to save a buck or two. There are too many instances where an insured cut comprehensive coverage or liability limits and found out when filing a claim that it was a big error on their part. Your aim should be to buy enough coverage at the best possible price, but do not sacrifice coverage to save money.

Lower-priced car insurance in Stockton is attainable from both online companies as well as from independent agents in Stockton, so you need to quote Stockton car insurance with both in order to have the best price selection to choose from. There are still a few companies who may not have rates over the internet and usually these regional carriers prefer to sell through independent agents.

Drivers switch companies for any number of reasons including lack of trust in their agent, policy cancellation, unfair underwriting practices and denial of a claim. Regardless of your reason for switching companies, finding the right car insurance provider can be easier than you think.

Steps to finding affordable quotes for Honda Element insurance in Stockton

If you want to find the absolute lowest rates, then the best way to get affordable Honda Element insurance is to make a habit of comparing prices annually from companies who sell insurance in Stockton.

• Step 1: Read about how companies set rates and the measures you can control to keep rates down. Many rating factors that cause high rates such as your driving record and a bad credit rating can be eliminated by making small lifestyle or driving habit changes.
• Step 2: Quote rates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give prices from one company like GEICO or State Farm, while agents who are independent can quote rates for a wide range of insurance providers. View prices
• Step 3: Compare the price quotes to your current policy to determine if switching companies saves money. If you find a lower rate and switch companies, make sure coverage does not lapse between policies.

An essential thing to point out is that you’ll want to make sure you compare the same coverage limits and deductibles on each quote and and to analyze as many companies as you can. This enables the most accurate price comparison and a complete price analysis.

For more information, take a look at these articles:

• Uninsured Motorists: Threats on the Road (Insurance Information Institute)
• Who Has Cheap Car Insurance Rates for a GMC Sierra in Stockton? (FAQ)
• Who Has the Cheapest Car Insurance for Teenage Females in Stockton? (FAQ)
• How Much are Stockton Car Insurance Quotes for a Toyota Camry? (FAQ)
• State Car Insurance Guides (GEICO)
• Warning systems don’t curb driver distraction (Insurance Institute for Highway Safety)
• Anti-Lock Brake FAQ (iihs.org)