Are you irritated from sacrificing to pay car insurance each month? You're in the same situation as the majority of other drivers in California.
Remarkably, a study showed that most car insurance buyers in California kept their coverage with the same car insurance company for well over three years, and virtually 40% of consumers have never quoted car insurance rates at all. With the average car insurance premium being $1,847, U.S. drivers can cut their rates by almost $860 a year by just comparing rate quotes, but they don't believe the large savings they would see if they switched to a cheaper policy. Due to the increasing number of companies to choose from that have cheaper insurance for a Chevy Impala in San Jose, it's difficult to find a more affordable insurance company.
It is always a good idea to take a look at other company's rates once or twice a year because prices are variable and change quite frequently. Just because you found the best deal on Chevy Impala insurance in San Jose a couple years back there is a good chance you can find better rate quotes now. Ignore everything you know about car insurance because we're going to demonstrate the right way to find better coverage on Chevy Impala insurance in San Jose at a better price.
Locating the most cost-effective car insurance policy in San Jose can be made easier if you know where to look. If you currently have a car insurance policy, you will be able to find better prices using the techniques covered below. You just have to understand how to compare rate quotes from many different companies online.
Cutting your car insurance rates is not rocket science. All you need to do is spend a little time comparing free San Jose car insurance quotes from online providers.
Comparing free rate quotes online is easy and it, replaces the need to make phone calls or go to all the different insurance agencies. Quoting and buying Chevy Impala insurance online has reduced the need for local agents unless you want the guidance of an agent trained in personal lines coverage. Although you can get prices online but still have the advice of a local agent.
The companies shown below are ready to provide free rate quotes in San Jose, CA. If you wish to find the best car insurance in California, it's a good idea that you visit as many as you can to get the best price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
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Cost estimates assume single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Price information does not factor in the specific area where the vehicle is garaged which can lower or raise auto insurance rates substantially.
Raise deductibles and save
The information below shows how choosing a deductible and can influence Chevrolet Impala yearly insurance costs for each age group. The data is based on a married female driver, full physical damage coverage, and no other discounts are factored in.
Annual premiums comparing men and women
The information below illustrates the difference between Chevrolet Impala insurance rates for male and female drivers. The prices are based on no claims or driving violations, full physical damage coverage, $500 deductibles, drivers are single, and no discounts are factored in.
Why you need insurance for your Chevy Impala
Despite the fact that auto insurance is not cheap in San Jose, insuring your vehicle is a good idea for several reasons.
First, almost all states have mandatory liability insurance requirements which means you are required to carry specific minimum amounts of liability in order to drive the car. 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.
Second, if you have a lien on your car, it's guaranteed your bank will require that you have comprehensive coverage to guarantee payment of the loan. If you cancel or allow the policy to lapse, the bank may insure your Chevy at a much higher premium rate and force you to pay the higher price.
Third, auto insurance preserves not only your Chevy but also your assets. It will also cover medical expenses for not only you but also any passengers injured in an accident. One policy coverage, liability insurance, also pays for attorney fees and expenses if you cause an accident and are sued. If your car is damaged in a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will cover the repair costs.
The benefits of insuring your car greatly outweigh the cost, particularly if you ever have a claim. On average, a vehicle owner in San Jose is overpaying over $700 annually so compare rates at every renewal to ensure rates are competitive.
Get discounts to get affordable San Jose car insurance rates
Car insurance is not inexpensive, but you may qualify for discounts that many consumers don't even know exist. Certain reductions will be credited at the time of purchase, but some need to be specially asked for before being credited.
- Anti-theft Discount - Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems have a lower chance of being stolen and will qualify for a discount on a San Jose car insurance quote.
- Defensive Driving Course - Taking part in a safe driver course may get you a small discount and easily pay for the cost of the class.
- Employee of Federal Government - Federal government employees could cut as much as 10% off with select insurance companies.
- Safety Restraint Discount - Drivers who require all vehicle occupants to buckle up can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
- Telematics Data Discounts - Insureds that choose to allow their company to scrutinize driving habits by using a telematics device such as Drivewise from Allstate or Snapshot from Progressive may get a rate reduction as long as they are good drivers.
- Claim Free - Insureds with no claims or accidents have much lower rates when compared to bad drivers.
- Multi-policy Discount - When you have multiple policies with one company they may give you a discount of 10% to 20% off each policy.
- Online Discount - A few car insurance companies will discount your bill up to fifty bucks for buying your policy on your computer.
- Life Insurance Discount - Select insurance companies reward you with better prices if you take out life insurance.
A quick disclaimer, most of the big mark downs will not be given to the whole policy. Some only apply to individual premiums such as comprehensive or collision. Even though it may seem like you would end up receiving a 100% discount, that's just not realistic.
A list of companies and a summarized list of policyholder discounts are included below.
- State Farm offers discounts including good driver, driver's education, multiple policy, accident-free, and multiple autos.
- GEICO has savings for multi-policy, air bags, military active duty, five-year accident-free, daytime running lights, federal employee, and anti-lock brakes.
- Allstate discounts include good student, early signing, premier plus, FullPay discount, and passive restraint.
- SAFECO may offer discounts for teen safety rewards, teen safe driver, multi-car, homeowner, and safe driver.
- Farm Bureau may include discounts for youthful driver, multi-policy, renewal discount, safe driver, driver training, multi-vehicle, and good student.
- Progressive has discounts for good student, homeowner, multi-policy, multi-vehicle, online quote discount, online signing, and continuous coverage.
- AAA offers discounts for good student, multi-car, pay-in-full, multi-policy, good driver, and AAA membership discount.
It's a good idea to ask each insurance company how you can save money. Some discounts might not apply everywhere.
You may require the services of an insurance agent
Some consumers would prefer to sit down and talk to an agent and that can be a great decision Professional insurance agents can help you choose the best coverages and will help you if you have claims. One of the great benefits of getting free rate quotes online is you may find the lowest rates and still choose a local agent.
After filling out this short form, the quote information is transmitted to insurance agents in San Jose who will give you quotes for your coverage. It's much easier because you don't need to search for an agent because prices are sent to the email address you provide. In the event you want to quote rates from a specific insurance company, you would need to visit that company's website and fill out the quote form the provide.
Selecting an insurer needs to be determined by more than just the bottom line cost. Before buying a policy in San Jose, get answers to these questions.
- Does the company allow you to choose your own collision repair facility?
- What are their preferred companies if they are an independent agency?
- If you are a high risk driver, do they have special markets for your coverage?
- What company do they have the most business with?
- Does the company have a local claim office in San Jose?
- How are claims handled?
Types of auto insurance agents in San Jose
When searching for a reputable insurance agent or broker, there are a couple of different agency structures and how they can quote your rates. Insurance agencies in San Jose can be classified as either independent agents or exclusive agents depending on their employer. Both types of agents can properly insure your vehicles, but it is a good idea to know the subtle differences because it may have an impact on which type of agent you select.
Exclusive Auto Insurance Agencies
Exclusive insurance agents write business for a single company and examples are Farmers Insurance, Allstate, or State Farm. They are unable to give you multiple price quotes so it's a take it or leave it situation. Exclusive insurance agents are well trained on sales techniques which helps offset the inability to provide other markets.
Shown below is a list of exclusive agents in San Jose who can help you get rate quotes.
Dennis Stroup - State Farm Insurance Agent
6455 Almaden Expy Ste 103 - San Jose, CA 95120 - (408) 268-7800 - View Map
Gary Sanchez - State Farm Insurance Agent
2053 Lincoln Ave a - San Jose, CA 95125 - (408) 269-5001 - View Map
Independent Auto Insurance Agencies
Agents in the independent channel often have affiliation with several companies and that gives them the ability to insure through many different auto insurance companies and find you the best rates. If you want to switch companies, an independent agent can move your coverage and you can keep the same agent. When comparing auto insurance prices, you will definitely want to include rate quotes from a couple of independent agencies so that you have a good selection of quotes to compare.
Shown below is a short list of independent agencies in San Jose willing to provide price quote information.
Cya Insurance Agency From Sn
1271 Story Rd #50 - San Jose, CA 95122 - (408) 971-4172 - View Map
If you get acceptable answers to your questions as well as a affordable price, most likely you have located a car insurance agent that can be trusted to provide auto insurance coverage.
Will just any policy work for me?
Always keep in mind that when comparing coverage online or from an agent for your personal vehicles, there really isn't a best way to insure your cars. Your needs are not the same as everyone else's.
For example, these questions can help discover whether you would benefit from professional advice.
- Is my babysitter covered when using my vehicle?
- What is an SR-22 filing?
- Do I need more liability coverage?
- When should I have rental car coverage?
- Am I covered if hit by an uninsured driver?
- What if a claim settlement is too low?
- Am I covered when driving on a suspended license?
If it's difficult to answer those questions, you may need to chat with an insurance agent. If you don't have a local agent, simply complete this short form. It only takes a few minutes and may give you better protection.
Auto insurance coverage information
Knowing the specifics of a car insurance policy can be of help when determining the best coverages for your vehicles. Car insurance terms can be impossible to understand and even agents have difficulty translating policy wording.
Med pay and Personal Injury Protection (PIP) - Coverage for medical payments and/or PIP pay for bills such as prosthetic devices, doctor visits and surgery. They are used in conjunction with a health insurance program or if you are not covered by health insurance. They cover all vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage
Collision coverages - This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers claims like hitting a parking meter, sustaining damage from a pot hole and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Another option is to increase the deductible on your Impala to save money on collision insurance.
Uninsured/Underinsured Motorist (UM/UIM) - This protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Chevy Impala.
Due to the fact that many California drivers have only the minimum liability required by law (which is 15/30/5), their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.
Comprehensive insurance - This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive coverage protects against claims like damage from flooding, damage from getting keyed, falling objects and a broken windshield. The most you'll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.
Liability car insurance - This can cover damage that occurs to other people or property that is your fault. It protects you from legal claims by others, and doesn't cover your injuries or vehicle damage.
Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 15/30/5 that means you have $15,000 in coverage for each person's injuries, $30,000 for the entire accident, and a total limit of $5,000 for damage to vehicles and property.
Liability can pay for claims like loss of income, legal defense fees, medical expenses, structural damage and repair bills for other people's vehicles. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as much as you can afford. California requires drivers to carry at least 15/30/5 but it's recommended drivers buy higher limits.
Keep this in mind when shopping around
As you quote San Jose car insurance, never sacrifice coverage to reduce premiums. There are a lot of situations where someone sacrificed uninsured motorist or liability limits and learned later that a couple dollars of savings turned into a financial nightmare. The aim is to find the BEST coverage at an affordable rate, but don't skip important coverages to save money.
Low-cost Chevy Impala insurance in San Jose can be bought from both online companies and from local agencies, so you should be comparing quotes from both to have the best selection. There are still a few companies who may not provide internet price quotes and these small, regional companies provide coverage only through independent agencies.
Consumers leave their current company for many reasons like poor customer service, an unsatisfactory settlement offer, delays in paying claims and policy cancellation. Regardless of your reason, choosing a new insurance company is pretty simple and you could end up saving a buck or two.
To learn more, feel free to browse the articles below:
- Should I Purchase an Umbrella Liability Policy? (Insurance Information Institute)
- What Auto Insurance is Cheapest for Young Drivers in California? (FAQ)
- How Much is California Auto Insurance for Drivers Requiring a SR22? (FAQ)
- Who Has Affordable Car Insurance Rates for High Risk Drivers in California? (FAQ)
- Car Insurance for Teen Drivers with Divorced Parents (Allstate)
- Auto Insurance Facts and Statistics (Insurance Information Institute)