Who Has Cheap Car Insurance for Police Officers in San Jose?

The make and model of vehicle needing coverage is one of the main factors when comparison shopping for the most affordable car insurance for police officers. Vehicles with high performance, poor safety ratings, or an increased likelihood of liability claims will cost quite a bit more to insure than more modest models. The list below features insurance prices for a number of the most economical vehicles to buy coverage for.

Cheapest Vehicles to Insure in San Jose, CA
Make, Model, and Trim Level Estimated Cost for Full Coverage
Honda CR-V EX-L 2WD $937
Ford Escape XLT 4WD $1,030
Honda Accord LX 4-Dr Sedan $1,036
Ford Fusion S 4-Dr Sedan $1,086
GMC Sierra SLE Regular Cab 2WD $1,096
Jeep Grand Cherokee Laredo 4WD $1,086
Hyundai Elantra SE Touring Station Wagon $1,121
Dodge Grand Caravan SE $1,123
Toyota Corolla LE $1,144
Toyota Prius $1,149
Honda Odyssey EX W/Rear Entertainment $1,166
Chevrolet Impala LS $1,176
GMC Sierra 3500HD SLE Extended Cab 2WD $1,185
Toyota Tacoma 2WD $1,198
Volkswagen Jetta SE 2.5 Station Wagon $1,205
Ford Focus SES 2-Dr Coupe $1,222
GMC Sierra 2500HD SLT Extended Cab 4WD $1,224
Toyota RAV4 Sport 2WD $1,229
Ford F-150 FX4 4WD $1,252
Ford Explorer Limited AWD $1,257
Nissan Rogue S 2WD $1,274
Chevrolet Equinox LTZ 2WD $1,276
Chevrolet Silverado 2500HD LT Crew Cab 4WD $1,281
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Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Rates do not factor in vehicle garaging location which can modify insurance rates significantly.

Based upon these rates, cars like the Honda CR-V, Ford Escape, and Honda Accord will be some of the cheaper vehicles to insure for law enforcement personnel.

Determining which insurers offer the most affordable insurance rates for police officers will involve a little more sweat in order to find coverage that fits your budget. Each insurance company has their own process to establish rates, so we will examine the lowest cost insurance companies in San Jose.

Lowest Insurance Price Quotes for Law Enforcement

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California auto insurance company rankings
Rank Company Cost Per Year
1 USAA $1,121
2 Wawanesa $1,157
3 Century National $1,214
4 CSAA $1,234
5 Nationwide $1,250
6 21st Century $1,338
7 Grange $1,433
8 Mercury $1,488
9 Progressive $1,496
10 GEICO $1,513
11 Allstate $1,513
12 Allied $1,541
13 The Hartford $1,575
14 MetLife $1,654
15 State Farm $1,682
16 Unitrin $1,750
17 Esurance $1,756
18 Bristol West $1,795
19 Travelers $1,842
20 Farmers $2,006
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USAA quotes some of the best car insurance rates in San Jose at around $1,121 a year. This is $530 less than the average price paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide also make the cut as some of the lowest-priced San Jose, CA auto insurance companies.

As depicted above, if you have coverage with Nationwide and switched to Wawanesa, you could see a yearly price reduction of roughly $93. Drivers with 21st Century could save as much as $181 a year, and Grange insureds might see rate reductions of $276 a year.

To find out how your current rates compare, click here to start your free quote or feel free to get quotes from the companies below.

These rates are averaged for all ages of drivers and types of vehicles and do not factor in a vehicle location for police officers. So the car insurance company that can offer you the best rate may not even be in the top 24 companies in the list above. That helps illustrate why you need to get quotes using your own personalized driver profile and vehicle information.

What is the best insurance company in California?

Choosing the right insurance company can be rather challenging considering how many different companies insure vehicles in California. The information shown below could help you analyze which car insurance providers to look at when comparing rate quotes. These ratings only include the largest auto insurers in America, so companies without a large exposure will not be included in the list.

Top 10 Major Auto Insurers in San Jose Ranked by Customer Satisfaction

  1. Titan Insurance – 95%
  2. USAA – 94%
  3. AAA of Southern California – 92%
  4. AAA Insurance – 91%
  5. Nationwide – 90%
  6. State Farm – 90%
  7. The Hartford – 89%
  8. GEICO – 89%
  9. The General – 88%
  10. 21st Century – 88%

Cost difference between full coverage and liability

Saving money when shopping for insurance is probably important to the majority of drivers, and one of the quickest ways to reduce the cost of insurance for police officers is to only buy liability coverage. The example below compares insurance costs when comparing full coverage to liability only. The rates are based on a clean driving record, no claims, $500 deductibles, single marital status, and no discounts are taken into consideration.

Averaged out for all age groups, full coverage costs $2,075 per year more than carrying just liability coverage. That touches on the question if full coverage is worth the money. There is no set rule of when to eliminate full coverage on your policy, but there is a general guideline you can use. If the yearly cost of full coverage is 10% or more of the replacement cost minus the deductible, the it may be a good time to stop paying for full coverage.

The example below shows how choosing a deductible can raise or lower premium costs when researching cheap insurance for police officers. Data assumes a single male driver, full coverage, and no discounts are factored in.

In the chart above, a 40-year-old driver could lower their car insurance rates by $436 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $656 by switching to a $1,000 deductible. Young drivers, like the 20-year-old category, could drop their prices up to $1,432 annually by choosing a higher deductible.

When raising deductibles, it will be required to have additional funds in a savings account to be able to cover the extra out-of-pocket expense that deters many people from opting for higher deductibles.

How to find cheaper insurance for police officers

The list below details many money-saving ideas that can help drivers quote cheap coverage.

The last suggestion is highly important, as we emphasized in the prior article. Auto insurance rates change a lot, so don’t hesitate to change to a new company if a lower-cost policy is available.

Having brand loyalty is commendable, but it isn’t a good idea if that loyalty results in overpaying a lot of money. Now is a great time to compare prices to find cheaper auto insurance for police officers in San Jose.

The auto insurance agents in San Jose shown below are willing to provide answers to your questions and help you determine which is the best policy, since some people have coverage questions and would like to have a little guidance when shopping around for cheaper insurance for police officers. It can be difficult to find the best rates on your own, and getting professional guidance from a licensed agent can give peace of mind knowing your policy gives you suitable coverage if you ever need to use it. To locate a San Jose auto insurance agent close to you, click the button below the list or click here to compare price quotes now.

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