If you want to save the most money, the best way to get more affordable auto insurance rates is to regularly compare quotes from different companies who sell auto insurance in San Jose. You can compare prices by following these steps.
First, learn about policy coverages and the changes you can make to keep rates in check. Many rating factors that result in higher rates such as at-fault accidents and a not-so-good credit score can be improved by being financially responsible and driving safely.
Second, obtain price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only quote rates from one company like GEICO or Farmers Insurance, while independent agencies can provide price quotes for a wide range of companies. View a list of agents
Third, compare the new rates to your current policy and see if you can save money. If you find a lower rate and change companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
Fourth, give proper notification to your current agent or company of your intent to cancel your current coverage. Submit the completed application along with a down payment to your new company or agent. Be sure to keep your new proof of insurance paperwork above your visor, in the console, or in the glove compartment.
A key point to remember is to make sure you enter similar limits and deductibles on every price quote and and to look at all possible companies. This helps ensure an accurate price comparison and a thorough selection of prices.
It’s a known fact that auto insurance companies want to prevent you from shopping around. People who compare other prices will presumably switch companies because the odds are good of finding a more affordable policy premium. A recent study showed that people who made a habit of comparing rates saved about $865 annually compared to policyholders who didn’t regularly shop around.
If finding the lowest price on insurance in San Jose is the reason you’re here, then knowing how to find companies and compare insurance coverage can help simplify the process.
Finding quotes for affordable car insurance coverage in San Jose is not as difficult as people think. If you have a current car insurance policy or want to find a cheaper company, you can follow these tips to reduce premiums without sacrificing coverage. Shoppers only have to learn the quickest way to quote multiple rates from many companies at once.
Where can I get the cheapest San Jose Volkswagen Passat insurance?
Most larger insurance companies make it easy to get insurance quotes on their websites. Getting quotes for Volkswagen Passat insurance in San Jose is pretty painless as you just type in your coverage preferences as detailed in the form. After the form is submitted, their rating system obtains your driving and credit reports and returns a price quote based on the information you submitted.
This makes it easy to compare insurance prices and it’s necessary to compare as many rates as possible if you want to find the best car insurance rates.
If you want to find out how much you can save on car insurance, compare quotes from the companies shown below. If you have coverage now, it’s recommended you replicate your coverages exactly as they are listed on your policy. This makes sure you will receive rate quotes for similar insurance coverage.
The companies shown below provide free rate quotes in San Jose, CA. If multiple providers are shown, we suggest you compare several of them to find the cheapest auto insurance rates.
Volkswagen Passat insurance rates and statistics
The price information displayed next covers detailed analysis of coverage prices for Volkswagen Passat models. Having a better understanding of how auto insurance prices are figured is important to be able to make informed decisions when comparing rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Passat Komfort Station Wagon | $228 | $482 | $488 | $28 | $146 | $1,372 | $114 |
| Passat Komfort 4-Dr Sedan | $228 | $482 | $574 | $34 | $172 | $1,490 | $124 |
| Get Your Own Custom Quote Go | |||||||
Table data represents single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Rates do not factor in the specific area where the vehicle is garaged which can affect premiums greatly.
Driving violations and accidents
The information below shows how speeding tickets and fender-benders can drive up Volkswagen Passat insurance premiums for different age groups. The costs are based on a married female driver, comp and collision included, $100 deductibles, and no other discounts are factored in.
Full coverage or liability only
The illustration below visualizes the comparison of Volkswagen Passat insurance costs with full coverage compared to only the California minimum liability coverage. The price estimates are based on no claims or violations, $500 deductibles, drivers are not married, and no discounts are factored in.
When to drop comp and collision
There is no definitive formula of when to eliminate physical damage coverage on your policy, but there is a general convention. If the yearly cost of comp and collision coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s say your Volkswagen Passat replacement value is $7,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would receive is $6,000 after you pay the deductible. If you are paying over $600 annually for your policy with full coverage, then it might be time to buy liability only.
There are some scenarios where buying only liability insurance is not financially feasible. If you have an outstanding loan on your vehicle, you have to maintain full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should keep full coverage.
Insurance agents can help
When buying the best car insurance coverage, there isn’t really a perfect coverage plan. Your situation is unique and your car insurance should be unique as well.
For instance, these questions may help highlight if your situation may require specific advice.
- Does my policy cover me when driving someone else’s vehicle?
- Is business property covered if stolen from my car?
- What is high-risk coverage and where do I buy it?
- Do I have coverage when making deliveries for my home business?
- How do I insure my teen driver?
- I have good health insurance, so how much medical payments coverage do I need?
- Do I pay less for low miles?
- What is an adequate liability insurance limit?
If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It’s fast, free and can help protect your family.
Local San Jose insurance agencies
A small number of people would rather visit with an insurance agent and that is a smart decision Insurance agents will help you protect your assets and give you someone to call. One of the great benefits of price shopping on the web is the fact that you can find the best rates but still work with a licensed agent. And supporting local agencies is definitely important in San Jose.
To find an agent, once you fill out this quick form, the coverage information is transmitted to agents in your area who will give you bids for your business. There is no reason to even leave your home since rate quotes are delivered directly to you. If you want to quote rates from a specific company, feel free to navigate to their website and fill out their quote form.
Choose the right auto insurance agent
When finding an insurance agent, it’s helpful to know the different types of agents and how they operate. Insurance agents are either independent or exclusive depending on the company they work for. Both can insure your vehicles, but it’s worth mentioning how they differ because it can impact your selection of an agent.
Independent Agencies or Brokers
Independent insurance agents often have affiliation with several companies and that gives them the ability to insure with lots of companies and help determine which has the cheapest rates. If they find a cheaper price, your agent can just switch to a different company without you having to go to a different agency.
If you are comparing rate quotes, you will definitely want to get rate quotes from several independent agencies to get the most accurate price comparison. Most also write with less well-known companies which may have better rates.
Featured below is a list of independent agents in San Jose who can help you get cheap rate quotes.
- Casey Nguyen Insurance Agency, Inc.
1639 Meridian Ave a – San Jose, CA 95125 – (408) 286-4467 – View Map - Mission Counties Insurance Agency
1777 Hamilton Ave – San Jose, CA 95125 – (408) 979-8160 – View Map - Sergio Plascencia Insurance Agency
3136 Story Rd – San Jose, CA 95127 – (408) 254-8336 – View Map
Exclusive Agencies
These type of agents can only place business with one company such as Allstate and State Farm. They generally cannot give you multiple price quotes so it’s a take it or leave it situation. Exclusive insurance agents are highly trained in insurance sales which helps them sell on service rather than price. Drivers often choose to use an exclusive agent mainly due to the prominent brand name and strong financial ratings.
Shown below is a list of exclusive insurance agencies in San Jose that can give you rate quotes.
- GEICO Insurance Agent
2195 Monterey Rd #20 – San Jose, CA 95125 – (408) 286-4342 – View Map - John Hong – State Farm Insurance Agent
1777 Saratoga Ave #100 – San Jose, CA 95129 – (408) 777-8700 – View Map - Allstate Insurance: David Tofig
6116 Camino Verde Dr Ste 9 – San Jose, CA 95119 – (408) 281-9190 – View Map
Selecting a insurance agency is decision based upon more than just the quoted price. Below are some questions you should ask.
- Do they make recommendations based only on price?
- How often do they review coverages?
- What company do they have the most business with?
- Is there a Errors and Omissions policy in force?
- Do you need full coverage on every vehicle?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Do they offer accident forgiveness?
- Is their price quote a firm figure or are their hidden costs?
If you feel you receive good responses as well as an affordable premium quote, most likely you have located an insurance agency that can provide insurance coverage. Just remember policyholders can cancel coverage whenever you want so don’t assume that you’re stuck with any specific agency for the full policy term.