The recommended way to find discount Ford Shelby GT350 insurance in San Jose is to compare quotes once a year from insurers who can sell car insurance in California.
First, try to comprehend how insurance works and the modifications you can make to prevent expensive coverage. Many things that cause high rates such as traffic violations, accidents, and your credit history can be eliminated by making minor changes to your lifestyle. Continue reading for additional ideas to help keep rates affordable and get discounts that may be overlooked.
Second, compare price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give rate quotes from a single company like GEICO or State Farm, while independent agencies can quote prices from many different companies.
Third, compare the quotes to the price on your current policy to see if you can save by switching companies. If you find a lower rate quote and buy the policy, ensure there is no coverage lapse between policies.
Fourth, notify your current company of your intent to cancel your current auto insurance policy. Submit the application along with any required down payment for the new coverage. Immediately put the new proof of insurance certificate in an easily accessible location in your vehicle.
A good tip to remember is to use the same deductibles and limits on every quote request and and to get prices from every insurance company. Doing this provides a level playing field and a complete price analysis.
Unfortunately, the vast majority of insurance customers in California have remained with the same insurance company for more than four years, and approximately 38% of consumers have never compared rates from other carriers. Many consumers in the U.S. could save themselves nearly $850 a year, but they don’t know the amount of savings they would get if they swap their current policy for a cheaper one.
Pricing affordable coverage in San Jose is actually quite simple. If you have a current auto insurance policy or are just looking to switch companies, you can use these tips to find the best rates and still get good coverage. Shoppers just need to understand the quickest way to get comparison quotes from multiple carriers.
Finding cheap San Jose car insurance rates is pretty simple and can save money. All you need to do is spend a few minutes to get quotes provided by online insurance companies.
The providers in the list below are ready to provide price quotes in California. If more than one company is shown, it’s a good idea that you get price quotes from several of them to get the most affordable price.
Get cheap rates with discounts
Not too many consumers would say auto insurance is affordable, but you might already qualify for some discounts to help bring down the price. Certain credits will be shown at quote time, but less common discounts must be inquired about before you will receive the discount.
- Theft Prevention System – Cars with anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
- Telematics Data Discounts – Drivers that enable companies to study driving manner remotely such as Progressive’s Snapshot and State Farm’s In-Drive may see discounts as long as they are good drivers.
- Seat Belt Usage – Drivers who always wear seat belts and also require passengers to use their safety belts can save up to 10 percent (depending on the company) off the personal injury premium cost.
- Early Renewal Discounts – Some companies give discounts for switching companies prior to your current Shelby GT350 insurance policy expiring. This discount can save up to 10%.
- Policy Bundle Discount – When you have multiple policies with one company you could get a discount of over 10 percent off each policy depending on the company.
- Claim Free – San Jose drivers who stay claim-free can earn big discounts in comparison with policyholders that have many claims.
- One Accident Forgiven – Not necessarily a discount, but some insurance companies allow you one accident before your rates go up so long as you haven’t had any claims for a particular time prior to the accident.
- Discount for Good Grades – Excelling in school could provide a savings of up to 20% or more. Earning this discount can benefit you up to age 25.
Keep in mind that most discounts do not apply to all coverage premiums. Most cut individual premiums such as comp or med pay. So even though you would think all the discounts add up to a free policy, that’s just not realistic.
If you would like to view auto insurance companies who offer cheap Ford Shelby GT350 insurance quotes in San Jose in San Jose, click here.
Why You Might Pay Increased Rates in San Jose
Lots of things are part of the equation when pricing auto insurance. A few of the factors are predictable such as your driving record, but some are not as apparent such as your marital status or your financial responsibility. An important part of buying insurance is that you know some of the things that aid in calculating your premiums. If you understand what determines premiums, this empowers consumers to make smart changes that could result in lower auto insurance prices.
Liability is peace of mind – Liability coverage is the coverage that protects you when a court rules you are at fault for an accident. Your liability coverage provides legal defense coverage which can cost a lot. This coverage is very inexpensive when compared with rates for comp and collision, so drivers should carry high limits.
Minor frequent claims are not good – Car insurance companies in California generally give the lowest premiums to insureds who are not frequent claim filers. If you file claims often, you can definitely plan on much higher rates or policy non-renewal. Your car insurance is intended to be relied upon for claims that pose a financial burden.
Premiums increase with driving tickets – Even one speeding ticket may cause rates to rise by twenty percent. Careful drivers pay lower auto insurance prices compared to drivers with tickets. Drivers who have received dangerous tickets like reckless driving, hit and run or driving under the influence may face state-mandated requirements to prove financial responsibility to the state department of motor vehicles in order to legally drive a vehicle.
The more you drive the more you pay – The higher the mileage driven in a year’s time the more you will pay for auto insurance. Most insurance companies charge rates based on their usage. Cars used primarily for pleasure use cost less to insure than vehicles that have high annual mileage. Having the wrong rating on your Shelby GT350 is throwing money out the window. It’s a smart idea to ensure your auto insurance declarations sheet correctly shows the proper vehicle usage, because improper ratings can cost you money.
Multi-policy discounts can save money – Most companies give better rates to insureds who consolidate policies with them such as combining an auto and homeowners policy. The discount can be anywhere from five to ten percent in most cases. Even though this discount sounds good, consumers should still comparison shop to ensure the best deal.
Safer vehicles means better premiums – Vehicles with high crash test scores get lower rates. The safest vehicles reduce the chance of injuries and reduced instances of injuries means lower claim amounts passed on to you as lower rates.
Buying from insurance agents
Many people just prefer to get advice from a local agent and we recommend doing that Experienced insurance agents can point out coverage gaps and will help you if you have claims. A nice benefit of getting free rate quotes online is that you can obtain the lowest rates and also buy local. And providing support for local insurance agencies is definitely important in San Jose.
Once you complete this form (opens in new window), the coverage information is submitted to local insurance agents who will gladly provide quotes for your coverage. It simplifies rate comparisons since you won’t have to contact any insurance agencies due to the fact that quote results will go immediately to you. If you have a need to compare rates from a specific insurance company, you can always navigate to their website and complete a quote there.
If you are searching for a reputable insurance agent or broker, there are two different types of agencies that differ in how they can insure your vehicles. Car insurance agencies can be categorized as either independent or exclusive. Both types can handle car insurance, but it’s good to learn the subtle differences because it can impact the selection process.
Independent Car Insurance Agents
These agents do not have single company limitations and that enables them to quote your coverage with a variety of different insurance companies and find you the best rates. If your premiums go up, they can switch companies in-house which requires no work on your part. If you are comparing rate quotes, you definitely need to include price quotes from multiple independent agents to maximize your price options. Most also have access to additional companies that you may not be familiar with which may provide better rates.
Listed below is a small list of independent insurance agents in San Jose that may be able to provide rate quotes.
- Lords Insurance Agency Inc
2239 Moorpark Ave #100 – San Jose, CA 95128 – (408) 289-5445 – View Map - All Spectrum Insurance Brokers
4010 Moorpark Ave #117 – San Jose, CA 95117 – (408) 604-0092 – View Map - Casey Nguyen Insurance Agency, Inc.
1639 Meridian Ave a – San Jose, CA 95125 – (408) 286-4467 – View Map
Exclusive Insurance Agencies
Agents that choose to be exclusive write business for a single company and examples are Allstate, Farmers Insurance, State Farm, and AAA. They usually cannot provide prices from multiple companies so you need to shop around if the rates are high. Exclusive agents are well trained on the products they sell which helps overcome the inability to quote other rates. Consumers often use the same exclusive agent primarily because of the prominent brand name instead of buying on price only.
The following is a list of exclusive insurance agents in San Jose that can give you comparison quotes.
- Jim Edington – State Farm Insurance Agent
361 Piercy Rd – San Jose, CA 95138 – (408) 225-2463 – View Map - Gary Sanchez – State Farm Insurance Agent
2053 Lincoln Ave a – San Jose, CA 95125 – (408) 269-5001 – View Map - Tami Pratt – State Farm Insurance Agent
360 Kiely Blvd #125 – San Jose, CA 95129 – (408) 247-6800 – View Map
Choosing the best car insurance agent requires more thought than just the price. You should also get answers to these questions.
- How experienced are they in personal risk management?
- Do they get paid more for recommending certain coverages?
- Has the agent ever had any license suspensions?
- What discounts might you be missing?
- Is there any savings for paying the full premium?
- Is there a Errors and Omissions policy in force?
Your car insurance coverage should be tailored to you
Keep in mind that when it comes to choosing coverage online or from an agent for your personal vehicles, there isn’t really a one size fits all plan. Each situation is unique.
For instance, these questions can aid in determining if your insurance needs would benefit from an agent’s advice.
- Where can I find high-risk insurance?
- Is a new car covered when I drive it off the dealer lot?
- Does coverage follow the driver or the vehicle?
- Does my Ford Shelby GT350 need full coverage?
- Can my teen drive my company car?
- What if I don’t agree with a claim settlement offer?
- Is a driver training discount available?
- What can I do if my company won’t pay a claim?
- How do I insure my teen driver?
- Do all my vehicles need collision coverage?
If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an agent. To find an agent in your area, simply complete this short form. It’s fast, free and can help protect your family.
Don’t give up on cheaper rates
Lower-priced Ford Shelby GT350 insurance in San Jose is possible from both online companies as well as from insurance agents, so you should compare both to have the best rate selection. A few companies don’t offer online quoting and usually these regional insurance providers provide coverage only through independent insurance agencies.
Throughout this article, we presented a lot of ways to save on Ford Shelby GT350 insurance in San Jose. The key concept to understand is the more providers you compare, the better your chances of lowering your premium rates. Drivers may even discover the lowest auto insurance rates are with the smaller companies.
Consumers who switch companies do it for many reasons like denial of a claim, delays in paying claims, lack of trust in their agent and even poor customer service. No matter why you want to switch, choosing a new company is not as hard as you think.
Additional detailed information can be read by following these links:
- Five Tips to Save on Auto Insurance (Insurance Information Institute)
- What Car Insurance is Cheapest for a Toyota Tundra in San Jose? (FAQ)
- Who Has Affordable San Jose Auto Insurance After a Speeding Ticket? (FAQ)
- Teen Driving Statistics (iihs.org)
- Frontal Crash Tests (iihs.org)