More often than not, the sole consideration of people buying San Jose car insurance is the cost. The good news is that you can quickly determine the cost of different insurance policies by getting free auto insurance quotes (see form above). Yet, cost alone should not be the only thing considered.
Other factors, like service, claims processing time and the total amount of coverage you get should also be looked at. As a result we have attempted to provide as complete picture as possible to the car insurance market in San Jose today. Please take a look at the following information to make an informed choice about the coverage you want to buy.
San Jose Car Insurance Agents
Although the internet has drastically changed the nature of how insurance is bought and sold, many people still prefer dealing with a local car insurance agent. Here are just a few that operate in San Jose.
Allstate has many agents in the greater San Jose area. Their website lists 36 agents working in the city itself along with 38 agents working in nearby location such as Santa Clara, Campbell, Cupertino and Sunnyvale.
Unlike most other cities in California, San Jose actually has a local Geico insurance agent. However on the whole, Geico is increasingly focusing on selling policies online.
Progressive is another company that focuses most of its energy on online insurance sales. Yet, they still have a working relationship with 10 local agents and brokers.
Yet again State Farm has the largest number of agents on the ground in San Jose. At the current time their website lists over 50 agents working in the city.
Your insurance agency not listed? If you own an insurance agency that operates in San Jose and would like to be included in our listings above please use our contact form. At the current time we do not accept individual agent listings except as part of our paid featured listing option.
Average San Jose Auto Insurance Rates
Similar to other larger cities in California, San Jose has higher than average rates for car insurance. In 2011 the average price quoted for a San Jose car insurance policy was $1,494 (according to CarInsurance.com). This is over $250 more a year than the California average (but only about $50 more than the US national average).
As as result, it is very important that you take every advantage you can get when it comes to buying a policy. The first and easiest step is to get free car insurance quotes using the form at either the top or bottom of this page.
Driving In San Jose
A very obvious way to make sure your insurance premiums remain affordable is to avoid ever getting in an accident. San Jose follows the same traffic laws as the rest of the state of California. Yet, it remains the 18th worst city in which to drive according the latest INRIX traffic scorecard.
California Auto Insurance Laws
There are many important factors you need to consider before purchasing an auto insurance policy. Perhaps, the most important being the requirements set by the law when it comes to insurance coverage. The State of California has set out the minimum amount of liability coverage you are required to have. Yet, as with many things getting more than the minimum is better.
The minimum coverage that the State of California imposes upon motorists is bodily injury liability (at $15,000 for injury or death of each individual in an accident and $30,000 for each accident) and property damage liability (at $5,000 per accident). Since these are required by law, each motorist should have these covered. However, for those who want to take that extra step in getting more protection from their car insurance companies, they can get the comprehensive insurance coverage so that all aspects are covered, allowing them to set their minds at ease even when they’re on the road.
Comparing Online San Jose Car Insurance Quotes
Most people often make the mistake of assuming that a comprehensive insurance policy is expensive. While it’s pricier than the ones that have minimal coverage, you don’t need to spend all of your savings just to get a San Jose car insurance policy. The key to getting a good car insurance quote is by doing a little research. Shop around and ask different insurance companies what their rates are for auto insurance.
Not only will you be able to compare the differences in prices, you will also be able to identify the differences in their policy packages. This is important, considering that different insurance companies may offer different levels of coverage. By comparing these policies, you will know just how much you will be spending and what you’ll be spending it on.
It’s possible to get affordable car insurance, as long as you do proper research. By shopping around and getting San Jose car insurance quotes online, you will be able to get the one that best suits you. Just make sure that the policy you get meets both the legal requirements in California and your own personal requirements as well.