Want to learn how to buy low-cost auto insurance rates in Stockton, CA? Finding low-cost insurance for a car in California could be a painful process, but you can follow a few tricks to find lower rates. There is a right way and a wrong way to compare auto insurance rates and we'll show you the best way to compare rates for a new or used and get the lowest price.

Consumers need to do rate comparisons at least once a year since prices are constantly changing. If you had the best price on auto insurance a year ago you may be paying too much now. Block out anything you think you know about auto insurance because you're going to get a crash course in the right way to reduce your cost while increasing coverage.

If you're already insured or are looking for a new policy, you can follow these tips to shop for the lowest rates without having to cut coverage. Finding and buying cheaper car insurance in Stockton is easy if you know what you're doing. Consumers only have to learn the proper way to compare company rates on the web.

All the larger insurance companies like Allstate, GEICO and Progressive allow consumers to get prices for coverage from their websites. Getting quotes is pretty easy because you just enter your required coverages as detailed in the form. Behind the scenes, the quote system obtains your driving record and credit report and gives you a price quote based on many factors.

This makes comparing rates easy, and it's absolutely necessary to perform this step if you want to find the lowest possible payments on insurance.

To compare rates using this form now, compare rates from the companies below. If you currently have coverage, we recommend you enter coverages and limits as shown on your current policy. Doing this guarantees you will receive a price comparison for exact coverage.

The companies in the list below offer price quotes in California. If multiple companies are listed, we recommend you visit several of them to get the most competitive price.

Insurance Price Estimates for Popular Vehicles in Stockton
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LT $1,566 $783 $131
Chevrolet Malibu LS $1,488 $744 $124
Chevrolet Silverado LTZ Crew Cab 2WD $1,572 $786 $131
Dodge Ram Quad Cab SLT 2WD $1,860 $930 $155
Ford Edge Limited AWD $1,568 $784 $131
Ford Escape Limited 2WD $1,294 $647 $108
Ford F-150 XLT Regular Cab 2WD $1,548 $774 $129
Ford Focus SES 4-Dr Sedan $1,512 $756 $126
Honda Accord LX-S 2-Dr Coupe $1,486 $743 $124
Honda CR-V EX 2WD $1,128 $564 $94
Honda Civic Hybrid 4-Dr Sedan $1,406 $703 $117
Jeep Wrangler Unlimited Sport 4WD 4-Dr $1,276 $638 $106
Nissan Altima 2.5 S 2-Dr Coupe $1,796 $898 $150
Nissan Rogue SL 2WD $1,492 $746 $124
Toyota Camry SE $1,454 $727 $121
Toyota Corolla XLE $1,606 $803 $134
Toyota Prius $1,288 $644 $107
Toyota Tacoma 4WD $1,106 $553 $92
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Table data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Premium costs do not factor in zip code location which can alter rates significantly.

Physical damage deductibles: Should you raise them?

One frequently asked question is the level to set your comp and collision deductibles. The following insurance rates show the rate differences of buying low and high physical damage deductibles. The first data table uses a $100 deductible and the second rate table uses a $1,000 deductible.

Ford Focus rates are for example purposes only. To get rates for your specific vehicle, click here.

Ford Focus insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $332 $686 $442 $26 $132 $1,643 $137
Focus SE 4-Dr Sedan $332 $686 $442 $26 $132 $1,643 $137
Focus SEL 4-Dr Sedan $332 $810 $442 $26 $132 $1,767 $147
Focus SES 4-Dr Sedan $332 $810 $442 $26 $132 $1,767 $147
Focus SE 2-Dr Coupe $380 $810 $500 $30 $150 $1,895 $158
Focus SES 2-Dr Coupe $380 $810 $500 $30 $150 $1,895 $158
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Ford Focus insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $184 $362 $442 $26 $132 $1,146 $96
Focus SE 4-Dr Sedan $184 $362 $442 $26 $132 $1,146 $96
Focus SEL 4-Dr Sedan $184 $426 $442 $26 $132 $1,210 $101
Focus SES 4-Dr Sedan $184 $426 $442 $26 $132 $1,210 $101
Focus SE 2-Dr Coupe $210 $426 $500 $30 $150 $1,316 $110
Focus SES 2-Dr Coupe $210 $426 $500 $30 $150 $1,316 $110
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Estimates do not factor in vehicle garaging location which can lower or raise auto insurance rates considerably.

Based on these figures, using a $100 deductible will cost you approximately $45 more each month or $540 for a full year than buying the higher $1,000 deductible. Since you would have to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you average at a minimum 20 months between claim filings, you would save money if you choose a higher deductible.

How to calculate when to raise deductibles

Average monthly premium for $100 deductibles: $147
Average monthly premium for $1,000 deductibles (subtract): - $102
Monthly savings from raising deductible: $45
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $45
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 20 months

Insurance discounts are available to lower rates

Car insurance is not cheap, but you might find some hidden discounts that can help lower your rates. Certain reductions will be credited at quote time, but some discounts are required to be specially asked for before being credited.Discount insurance

Drivers should understand that some of the credits will not apply to your bottom line cost. Some only reduce specific coverage prices like comprehensive or collision. If you do the math and it seems like you could get a free insurance policy, nobody gets a free ride.

To view companies that have a full spectrum of discounts in California, click here.

Three reasons auto insurance is important

Despite the high cost of buying insurance in Stockton, paying for auto insurance serves an important purpose.

The benefits of having auto insurance outweigh the cost, specifically if you ever have a liability claim. But the average American driver overpays as much as $865 each year so it's important to compare rates at every renewal to save money.

Are auto insurance agents used anymore?

Some people would rather buy from a licensed agent and doing that can be a smart decision Insurance agents are trained risk managers and will help you if you have claims. A nice benefit of comparing insurance online is the fact that you can find cheap rate quotes and still choose a local agent.

Stockton insurance agentsOnce you complete this form (opens in new window), your insurance data is immediately sent to participating agents in Stockton that can give you free Stockton auto insurance quotes and help you find cheaper coverage. You don't have to find an agent on your own since price quotes are sent to the email address you provide. In the event you want to get a rate quote from a specific company, feel free to visit that company's website to submit a rate quote request.

Deciding on an insurer should include more criteria than just the premium amount. Here are some questions you should ask.

Compare rates from both independent and exclusive auto insurance agents

If you are searching for a good insurance agency, you must know there are a couple different types of agents and how they are slightly different. Insurance agents in Stockton can be described as either exclusive or independent (non-exclusive). Either can properly insure your vehicles, but it's worth mentioning the subtle differences because it may have an impact on the kind of agent you use.

Exclusive Insurance Agents

These type of agents write business for a single company and examples are State Farm, Allstate, and Farm Bureau. Exclusive agencies are unable to provide other company's prices so they are skilled at selling on more than just price. They receive extensive training on their company's products which helps them sell insurance even at higher premiums. Consumers sometimes purchase coverage from exclusives mostly because of loyalty to the company rather than low rates.

Independent Agents (or Brokers)

Agents that elect to be independent are not restricted to one company and that allows them to write policies with an assortment of companies and find the cheapest rate. If they find a lower price, they simply move the coverage in-house and you can keep the same agent. When searching for an agent, you will want to get several quotes from several independent insurance agents to get the most accurate price comparison. Many write coverage with small mutual carriers that may have much lower rates than larger companies.

Parts of your insurance policy

Knowing the specifics of a insurance policy can help you determine the right coverages and the correct deductibles and limits. Insurance terms can be confusing and coverage can change by endorsement.

Liability auto insurance

Liability coverage can cover injuries or damage you cause to a person or their property. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 15/30/5 that means you have $15,000 bodily injury coverage, a per accident bodily injury limit of $30,000, and $5,000 of coverage for damaged property.

Liability coverage pays for claims such as legal defense fees, structural damage and bail bonds. How much liability should you purchase? That is up to you, but you should buy as high a limit as you can afford. California requires drivers to carry at least 15/30/5 but you should think about purchasing better liability coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle's damage.

Due to the fact that many California drivers have only the minimum liability required by law (California limits are 15/30/5), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive insurance

This coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as hail damage, fire damage and falling objects. The highest amount you'll receive from a claim is the market value of your vehicle, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage provide coverage for expenses such as funeral costs, nursing services, prosthetic devices and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. They cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

This coverage will pay to fix damage to your vehicle resulting from a collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as damaging your car on a curb, crashing into a ditch, backing into a parked car, scraping a guard rail and colliding with a tree. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Auto insurance claim information

Which vehicles statistically have the most claims? The data below show the worst and best vehicle makes and models for overall likelihood of filing claims.

Bodily Injury Liability Claims by Vehicle
Lowest Claims Highest Claims
Chevrolet Corvette Chevrolet Cruze
Subaru Forester Dodge Charger
Acura MDX Kia Rio
Volvo XC60 Kia Optima
Fiat 500 Hyndai Accent
Subaru Outback Chevrolet Sonic

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Lowest and Highest Comprehensive Insurance Claims by Manufacturer Model
Lowest Claims Highest Claims
Infiniti QX50 Audi S7
Volvo V60 Porsche Panamera GTS
Smart ForTwo Bentley Continental GT
Nissan Xterra Bentley Continental GTC
Nissan Leaf Mercedes-Benz S Class
Ford F-350 Maserati Granturismo

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Vehicles with the Lowest and Highest Auto Insurance Medical Payment Claims
Lowest Claims Highest Claims
Land Rover Range Rover Sport Dodge Charger
Chevrolet Silverado 2500 Nissan Versa
Chevrolet Corvette Kia Forte
Ford F-350 SuperCrew Chrysler 200
Tesla Model S Mitsubishi Mirage
Ford F-250 SuperCrew Nissan Sentra

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Collision Claims by Vehicle Model
Lowest Claims Highest Claims
Ford F-250 SuperCab Maserati Granturismo
Chevrolet Colorado Ferrari 458
Nissan Xterra Bently Continental GTC
Smart ForTwo Bentley Continental Flying Spur
Jeep Wrangler BMW 6 Series
Ford F-150 SuperCrew Nissan GT-R

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years