San Jose Auto Insurance (CA)

San Jose, California is the commercial center of Silicon Valley and is home to more than 893,350 people. Did you know that San Jose is ranked tenth in the country as the worst urban area in terms of traffic congestion? On average, those who commute to work in San Jose spend 28 minutes sitting in traffic, two minutes more than the national average. All this delay time adds up to about 29 hours per year and costs each person about $518 extra in car repair and gas. The city also has the third highest gasoline rates in the country.

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Does this sound bad? It could be worst. Nearby California cities fare far worse. Los Angeles is the number one most congested city in the country. San Francisco comes in second, and Sacramento comes in seventh.

But money and time aren't the only costs of traffic congestion. Between 2001 and 2003, more than 140 fatal car accidents occurred in San Jose. Air quality is worse and health issues, including asthma and stress, are on the rise.

The 22.6 million licensed drivers in California have more than 30 million cars, trucks, and SUVs registered. And car insurance for those vehicles isn't cheap. California is the 21st most expensive in the country with premiums that average a little more than $2,185.

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It may feel like the price of auto insurance premiums are beyond your control, but nothing could be further from the truth.

Protect Your Car and Save on San Jose Auto Insurance

There are a great many things that you can do to lower your personal rates. Here are just a few:

• Don't speed. Don't run red lights. Lowering the number of driving violations on your record will lower your car insurance rates as well.
• Pay your bills on time. Good credit is just as important to your car insurance premiums as it is to your credit card rates.
• Get older. What could be easier than that? The more driving experience you have, the lower your car insurance rates will be.

Another way to lower your car insurance claims is to stay away from purchasing cars that have most expensive claims. For example, some models that have expensive injury claims include the Suzuki Esteem four-door, the Mitsubishi Mirage four-door, the Kia Rio four-door , and the Mitsubishi Mirage two-door. Collision claims are highest for the Lexus IS 300 and the Hyundai Tiburon two door, and theft claims are highest for Acura Integras, both the two door and four door varieties.

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No matter which car type or model you invest in, make sure that your investment in insurance for that vehicle is with a company you can depend on. Only reputable companies will be able to insure you fairly and thoroughly, and tend to offer the best prices, incentives, and discounts. Choose your auto insurance provider as carefully as you choose your car.

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**Auto Insurance Finder is not an insurance broker or carrier. Content on this site is for comparison and informational purposes only. The products and services listed on this site may not be available in all states.

Last Updated: August 19, 2010