Chevy Traverse insurance image courtesy of QuoteInspector.com
It takes a little time, but the best way to find low-cost car insurance rates in Stockton is to start comparing prices yearly from companies in California. Rates can be compared by following these steps.
- Read about what is in your policy and the steps you can take to keep rates low. Many factors that result in higher prices like inattentive driving and an imperfect credit score can be eliminated by making minor driving habit or lifestyle changes. This article provides the details to prevent rate hikes and find additional discounts.
- Request rate estimates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can provide rates from a single company like GEICO and State Farm, while independent agents can quote rates from many different companies.
- Compare the new rate quotes to the premium of your current policy to determine if switching companies saves money. If you can save some money and buy the policy, make sure there is no lapse in coverage.
- Provide notification to your current company of your intention to cancel your current policy. Submit the application along with any required down payment for the new policy. Once received, put the certificate of insurance somewhere easily accessible.
The critical component of shopping around is to make sure you enter identical deductibles and limits on each price quote and and to get rate quotes from as many auto insurance providers as possible. This ensures a level playing field and the best price selection.
Statistics show that over 70% of California drivers have purchased from the same company for well over three years, and approximately 38% of consumers have never shopped around. Most drivers in the U.S. can save hundreds of dollars each year by just shopping around, but they just assume it's a time-consuming process to find cheap rates by getting comparison quotes.
If you have car insurance now, you will surely be able to get lower rates using this information. This article's goal is to introduce you to how to compare rates easily. Although California drivers do need to understand the way companies calculate your policy premium and use it to your advantage.
The method we recommend to compare car insurance rates for Chevy Traverse insurance in Stockton is to know the fact most insurance companies provide online access to compare rate quotes. To get started, all you need to do is spend a couple of minutes providing details including whether the vehicles are used for commuting, if the vehicle is leased, driver details, and if a SR-22 is required. The rating information is then submitted to multiple insurance providers and they respond with quotes with very little delay.
To start a rate quote now, click here and see if a lower rate is available in Stockton.
The companies shown below offer price comparisons in Stockton, CA. If several companies are displayed, it's a good idea that you visit several of them to get a more complete price comparison.
Coverage analysis
The rate table displayed next outlines detailed analysis of insurance premium costs for Chevy Traverse models. Being able to understand how auto insurance premiums are formulated is important for drivers to make informed decisions when shopping around for a new policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Traverse LS 2WD | $326 | $554 | $394 | $24 | $118 | $1,416 | $118 |
| Traverse LS AWD | $370 | $554 | $394 | $24 | $118 | $1,460 | $122 |
| Traverse LT 2WD | $370 | $554 | $394 | $24 | $118 | $1,460 | $122 |
| Traverse LT AWD | $370 | $672 | $394 | $24 | $118 | $1,578 | $132 |
| Traverse LTZ 2WD | $370 | $672 | $394 | $24 | $118 | $1,578 | $132 |
| Traverse LTZ AWD | $370 | $672 | $394 | $24 | $118 | $1,578 | $132 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Estimates do not factor in zip code location which can modify insurance rates substantially.
Raise deductibles and save
When shopping for car insurance, a common question is the level to set your comp and collision deductibles. The following insurance rates may aid in understanding the costs and benefits between high and low deductibles. The first rate quote example uses a $100 deductible for physical damage and the second set of rates uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Traverse LS 2WD | $380 | $564 | $376 | $22 | $112 | $1,479 | $123 |
| Traverse LS AWD | $430 | $564 | $376 | $22 | $112 | $1,529 | $127 |
| Traverse LT 2WD | $430 | $564 | $376 | $22 | $112 | $1,529 | $127 |
| Traverse LT AWD | $430 | $686 | $376 | $22 | $112 | $1,651 | $138 |
| Traverse LTZ 2WD | $430 | $686 | $376 | $22 | $112 | $1,651 | $138 |
| Traverse LTZ AWD | $430 | $686 | $376 | $22 | $112 | $1,651 | $138 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Traverse LS 2WD | $210 | $298 | $376 | $22 | $112 | $1,018 | $85 |
| Traverse LS AWD | $238 | $298 | $376 | $22 | $112 | $1,046 | $87 |
| Traverse LT 2WD | $238 | $298 | $376 | $22 | $112 | $1,046 | $87 |
| Traverse LT AWD | $238 | $362 | $376 | $22 | $112 | $1,110 | $93 |
| Traverse LTZ 2WD | $238 | $362 | $376 | $22 | $112 | $1,110 | $93 |
| Traverse LTZ AWD | $238 | $362 | $376 | $22 | $112 | $1,110 | $93 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Price information does not factor in zip code location which can influence coverage prices greatly.
Based on the above data, using a $100 deductible will cost you approximately $42 more each month or $504 every year than selecting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you usually have more than 21 months between claim filings, you would save money if you elect the higher deductible.
The illustration below demonstrates how deductible levels and can increase or decrease Chevy Traverse insurance prices for different insured age categories. The data assumes a married female driver, full physical damage coverage, and no additional discounts are factored in.
Full coverage rates vs. liability-only
The chart below shows the comparison of Chevy Traverse insurance costs with full coverage compared to only the California minimum liability coverage. The data assumes no accidents, no driving violations, $100 deductibles, drivers are not married, and no policy discounts are applied.
When to stop buying comprehensive and collision coverage
There is no clear-cut rule to delete comprehensive and collision coverage on your policy, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is more than around 10% of the settlement you would receive from your company, then you might want to consider buying only liability coverage.
For example, let's pretend your Chevy Traverse claim settlement value is $8,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would get paid by your company is $7,000 after you pay the deductible. If premiums are more than $700 annually for physical damage coverage, then it's probably a good time to buy liability coverage only.
There are some scenarios where removing full coverage is not a good plan. If you haven't satisfied your loan, you have to keep full coverage to protect the lienholder's interest in the vehicle. Also, if you can't afford to buy a different vehicle if your current one is damaged, you should not eliminate full coverage.
Local Stockton insurance agencies and insurance
Many drivers still like to visit with an insurance agent and doing so can bring peace of mind One of the great benefits of getting online price quotes is that you can find the lowest rates but still work with a licensed agent. And supporting local insurance agencies is especially important in Stockton.
For easy comparison, once you complete this form (opens in new window), your coverage information is instantly submitted to participating agents in Stockton who will give you bids for your insurance coverage. You won't even need to contact any agents since rate quotes are delivered to you directly. It's the lowest rates and work with a local agent. If you have a need to quote rates from a particular provider, feel free to navigate to their website and complete a quote there.
Choose the right auto insurance agent
When searching for a reliable insurance agent, there are two types of agencies to choose from. Agents in Stockton can be categorized as either independent agents or exclusive agents depending on their employer.
Independent Agents (or Brokers)
Independent agents are not employed by any specific company so they can insure your vehicles through lots of different companies and help determine which has the cheapest rates. If you are not satisfied with one company, they simply move your policy to a different company and you don't have to do anything. When comparison shopping, you will definitely want to compare quotes from independent agents to have the most options to choose from. A lot of them also have access to smaller regional carriers that many times have cheaper rates.
The following is a partial list of independent insurance agencies in Stockton that can give you price quote information.
- Nationwide Insurance: Maffei Ins and Fin Services
2540 Pacific Ave #1 - Stockton, CA 95204 - (209) 957-9433 - View Map - Insurance Services of Stockton
1150 W Robinhood Dr # 1A - Stockton, CA 95207 - (209) 474-6174 - View Map - Big Savings Insurance Agency, Inc
7153 Pacific Ave - Stockton, CA 95207 - (209) 956-2000 - View Map
Exclusive Insurance Agencies
Exclusive agencies can only write with one company like AAA, Allstate, State Farm, or Farmers Insurance. Exclusive agents are unable to provide rate quotes from other companies so always compare other rates. Exclusive agencies are trained well on their company's products and that enables them to sell even at higher rates. Some consumers prefer to purchase coverage from exclusives partially due to high brand loyalty and the convenience of having all coverages with one company.
The following are exclusive insurance agents in Stockton willing to provide price quotes.
- Farmers Insurance - Ryan Merin
3439 Brookside Rd #106 - Stockton, CA 95219 - (209) 957-4675 - View Map - Farmers Insurance - Celine Vien
7743 West Ln, Ste C4 - Stockton, CA 95210 - (209) 476-8222 - View Map - Farmers Insurance - Beatriz Salazar Perez
2111 W March Ln b201 - Stockton, CA 95207 - (209) 463-2302 - View Map
Choosing the best insurance agent should depend on more than just a cheap quote. Before buying a policy in Stockton, get answers to these questions.
- Do you need full coverage on every vehicle?
- Did they already check your driving record and credit reports?
- How many companies do they write for?
- Can you use your own choice of collision repair facility?
- Do they offer claims assistance after hours?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Are they involved in claim handling?
If you receive answers to your satisfaction to these questions as well as an affordable premium quote, you have narrowed it down to an insurance agent that meets the criteria to properly service your insurance policy.