Who Has Cheap San Jose Car Insurance for 19 Year Olds?

The words “cheap” and “auto insurance” really don’t belong together, in particular when you are trying to find the best insurance rates for 19 year olds. In an attempt to save some money, let’s open your eyes to some of the factors that have an effect on insurance rates, and find some ways to reduce the price of your next policy.

Buying budget car insurance is hard enough, and figuring out which companies quote the lowest-priced car insurance rates for 19 year olds involves even more diligence. Every insurance provider has a unique formula to set premium rates, so we need to take a look at the overall cheapest car insurance companies in California.

It’s a good idea to know that California car insurance rates are calculated based on many things that control the price of your policy. This price variation is why it is important to compare many different companies to get the cheapest auto insurance rates for 19 year olds. Auto insurance prices can be altered by many things and can decrease or increase without notice, so the most economical option the last time you shopped around may now be quite expensive.

Cheap Insurance Rates for Teens

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Wawanesa quotes some of the best car insurance rates in San Jose at around $1,146 a year. This is $505 less than the average rate paid by California drivers of $1,651. USAA, Century National, CSAA, and Nationwide are also some of the lowest-priced San Jose, CA auto insurance companies.

As shown in the rates above, if you buy coverage from USAA and switched to Wawanesa, you could realize yearly savings of approximately $9. Customers with Century National could save as much as $32 a year, and CSAA policyholders might reduce rates by $52 a year.

It’s important to note that these rates are averaged across all types of insureds and vehicles and and are not figured with a specific location for 19 year olds. So the car insurance company that can offer you the best price may not even be in the top 24 companies in the list above. That is why you need to compare rates from as many companies as possible using your own individual information.

The make and model of vehicle you are insuring is one of the primary factors in finding the most economical auto insurance for 19 year olds. Vehicles with limited top-end speed, modern passenger safety features, or a track record of few liability claims will cost significantly less to insure than fast, unsafe models.

The next list outlines insurance prices for some of the most cost-effective vehicles to insure in California.

Prices based on single female driver age 19, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, and safe-driver. Rate information does not factor in specific zip code location which can alter premiums noticeably.

Based on these rates, vehicles like the Honda Accord, Honda CR-V, Ford Escape, Toyota Prius, and Chevrolet Impala will be a few of the most budget-friendly vehicles to insure for teenage drivers. Auto insurance rates will tend to be higher just because there is more risk for 19 year olds, but generally speaking those vehicles will most likely have the lowest insurance prices compared to other types of vehicles.

For teenage drivers, one of the big considerations that help determine the amount you pay each year for auto insurance is where you normally keep your vehicle. Larger areas tend to pay slightly more, whereas areas with less people or fewer weather incidents receive better rates.

The table below sorts the most expensive places in California for 19 year olds to purchase car insurance in. San Jose shows up at #20 with an annual cost of $1,381 for the average policy, which is approximately $115 monthly.

Annual rates are approximated as the specific geographic location can increase or decrease price quotes greatly.

Best car insurance company in California

Choosing the right company is difficult considering how many choices you have in San Jose. The rank data listed below can help you analyze which auto insurers you want to consider when shopping around. The ratings below only include the largest companies in America, so companies with more of a regional focus are not factored into this list.

Top 10 Large Car Insurance Companies in San Jose Ranked by Customer Service

1. AAA of Southern California
2. GEICO
3. State Farm
4. The Hartford
5. Mercury Insurance
6. The General
7. Progressive
8. Allstate
9. AAA Insurance
10. American Family

Top 10 Large Car Insurance Companies in San Jose Ranked by Value

1. USAA
2. American Family
3. The Hartford
4. AAA of Southern California
5. Titan Insurance
6. The General
7. AAA Insurance
8. State Farm
9. Mercury Insurance
10. Nationwide

Discount San Jose auto insurance rates

Insurers that offer cheap quotes for 19 year olds could also offer special discounts that could potentially reduce rates by 35% or more if you are eligible. Popular car insurance companies and some of the discounts include:

• State Farm includes discounts for good driver, passive restraint, good student, Drive Safe & Save, and Steer Clear safe driver discount.
• Progressive may have discounts that include online signing, multi-policy, good student, multi-vehicle, and homeowner.
• Progressive has discounts for homeowner, multi-vehicle, online quote discount, online signing, good student, and continuous coverage.
• MetLife offers discounts for good student, accident-free, claim-free, defensive driver, and multi-policy.
• Farm Bureau discounts include renewal discount, 55 and retired, youthful driver, multi-policy, and good student.
• GEICO offers premium reductions for multi-vehicle, daytime running lights, good student, federal employee, military active duty, and seat belt use.
• SAFECO may offer discounts for accident prevention training, anti-lock brakes, safe driver, teen safe driver, and anti-theft.

The example below compares insurance costs with and without discounts. The data is based on a male driver, no tickets, no at-fault accidents, California state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second bar shows the rates with multiple policy, defensive driving course, claim-free, marriage, anti-theft, and safe-driver discounts applied. When discounts are applied, theamount saved on car insurance for 19 year olds is 28% or $838.

Why are you paying too much for San Jose car insurance?

San Jose car insurance rates are impacted by many factors which can significantly increase or decrease the cost of a policy. Simply turning a year older, buying higher coverage limits, or getting a reckless driving citation may generate price changes that may make certain companies cheaper than others. Not only may your risk profile change, but auto insurance companies amend premium rates at least once a year in order to maintain liquidity for claims. Heavy losses can cause additional price hikes, while a better claims history may cause lower-priced San Jose car insurance rates.

For instance, the data below shows the cheapest car insurance in San Jose, CA for a 40-year-old male driver with no prior accidents, a clean driving record, and good credit. Based on his current risk profile, USAA might offer the lowest car insurance rates in San Jose at $1,204 annually. This is $447 less than the average policy premium paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide are also included in the cheapest San Jose, CA auto insurance companies.

In this example, we will give the driver from above a claim surcharge, less-than-perfect credit, and a blemish on his driving record. Due to the fact that each insurance company uses their own method to set premium rates, analyzing rates may now result in a different set of cheap San Jose auto insurance companies as shown below.

Grange now has the cheapest rate in San Jose with Allstate, GEICO, Mercury, and Progressive now being in the top five. This example shows why it is important to compare as many rates as possible to find affordable auto insurance rates for 19 year olds.

Car insurance prices are influenced by many risk factors and change frequently, so the cheapest option the last time you shopped your coverage around may now not even be in the top five.

How to find budget-friendly insurance for 19 year olds

The list below summarizes a few penny-pinching ideas that can help drivers locate lower-cost car insurance.

• Maintain a safe distance and avoid accidents
• Increase your policy deductibles
• Having too many claims will increase rates substantially
• Do not get tickets or violations
• Don’t waste money on full coverage for older vehicles
• Comparison shop frequently

That last piece of advice is especially significant, as was pointed out in this write-up. Prices can change considerably in a year, so don’t be hesitant to switch companies if a more affordable price is available.

Many consumers stick with the same company and that’s fine, but is isn’t recommended if that inflexibility results in costing you money that could be spent on other things. It only take a few minutes to compare prices to find cheaper auto insurance for 19 year olds in San Jose.

The San Jose car insurance agencies listed below can most likely answer your questions and help you decide which coverages are best, as some drivers aren’t sure which coverage they need and prefer to get some help when shopping for the best coverage for 19 year olds. It’s not always easy to find the best rates on your own, and using a licensed agent can provide you satisfaction knowing your coverage gives you suitable coverage if you ever need to use it.

To find a San Jose insurance agency close to where you live, click the link after the list.

View map of San Jose, CA insurance agents