Car Insurance in Stockton, California

Car insurance in Stockton, CA, has average rates of $322.72/mo. The unemployment and crime rates cause rates for car insurance in Stockton to be higher than other U.S. cities.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 18, 2020

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Here's what you need to know...

  • Liability insurance covers damages caused in an accident and is the only required coverage
  • Stockton provides drivers with a variety of car insurance companies that offer all types of coverage
  • Car insurance in Stockton is easy to find by comparing insurance quotes online

In order to provide protection for you and your whole family, it is important to have an adequate level of car insurance.

 Stockton is the thirteen largest city in California with a population of 291,707. As a result of the influx of the population, the city experienced a 13.3 percent rate of unemployment.

The unemployment rate combined with an increase in crime earned the city a title of being one of the most dangerous in America, according to Forbes magazine.

However, the city is now recovering, and saving money is one of the pre-requites of the residents.

One method of saving money is being able to cut down on your car insurance costs.

Find cheap car insurance quotes with our comparison tool.

Minimum Requirements for Car Insurance in California

California has adopted a standard number system of 15/30/5:

  • $15,000 for each person who has attained injuries
  • $30,000 for all the injuries from the accident
  • $5,000 for property damage liability

Notably, these automobile insurance requirements are among the lowest in the entire nation, so you may want to purchase additional protection.

In the event that you fail to comply with the Stockton minimum car insurance specifications, you could have your license revoked or suspended.

Many insurance firms will recommend their clients to go for a minimum car insurance of 100/300/100 to get a higher level of protection.

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Stockton Car Insurance Laws

State laws only stipulate that drivers must have liability insurance.

Required insurance laws do not mention comprehensive and collision covers that offer protection to you.

Collision insurance covers repairs to your car while comprehensive covers accidents that are not specifically related to the car collisions such as theft, fire, vandalism or harsh weather.

Usually, the law does not make it a requirement to have total insurance coverage. However, it is advisable to have total car insurance for new vehicles.

Uninsured motorist insurance will also provide you with protection in case you are hit by a driver who has no insurance and offers protection for property damage and bodily injuries.

Stockton Car Insurance Companies

There are numerous car insurance companies all competing to get the clients attention. However, making the right selection can be cost effective.

The reality is that identifying the best car insurance company in Stockton can be a daunting task if you do not know where to start from.

Some of the car insurance companies that are found in Stockton include:

  • Sanguinetti & Co Insurance
  • Premium Services
  • George Azevedo Jr CLU

Car insurance agencies sell insurance coverage on behalf of the insurance company.

The agency can provide you with different quotations from various companies so that you can be able to make an informed decision.

You can save a lot of money by simply analyzing and comparing different quotations.

Average Stockton Car Insurance Rates

The average liability rates in Stockton usually cost $295 with the common business owner paying approximately $1,400 in premiums.

However, these figures are quite reasonable in comparison to the damages that one would have to fix in case of an accident.

As you analyze car insurance in depth, it becomes easier to benefit from making comparisons.

If you are paying car insurance way above the average, consider changing to another company.

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Stockton Driving Statistics

National car insurance accident statistics have proved that the numbers of drunken driving cases in Stockton are high.

Other leading causes of accidents in Stockton include driving while using your mobile phone. When texting as you drive, you have an increased chance of getting an accident.

Using your phone while driving is illegal in Stockton, but there are those who still break the law.

Seventeen thousand people lose their lives yearly to accidents, and sadly about fourteen percent of these accidents are caused by under-age drivers.

Compare Stockton Car Insurance Quotes

With the current economic recession, it is necessary and sufficient to cut down on cost.

People have made huge savings by switching to a cheaper car insurance company.

There are several online companies that can assist you in finding insurance quotation comparisons.

Save on car insurance by using our FREE quote tool. Just enter your ZIP code below!

References:

  1. https://www.stocktongov.com/
  2. https://www.forbes.com/pictures/mlj45jggj/1-detroit/#5b02952e7705
  3. https://www.insurance.ca.gov/
  4. https://www.statefarm.com/agent/US/CA/Stockton/George-Azevedo-VSGGT1YS000
  5. https://www.caranddriver.com/features/texting-while-driving-how-dangerous-is-it
  6. https://www.investopedia.com/terms/r/recession.asp

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