For drivers in San Jose, California, 1989 is a particularly important year. Many auto insurance companies in this area suggest that vehicles made in 1989 or later need more coverage than those that are older. For a driver with a late-model vehicle, this means you must consider both collision and comprehensive coverage. This usually makes it a little more difficult to find cheap auto insurance in San Jose, California.

There is a saving grace for many drivers who live in San Jose. The Good Driver Act helps reduce rates for people who have been lucky enough to avoid accidents over a three-year period. This is something all drivers who qualify for the discount should mention to potential insurance agents when looking for car insurance.

Another discount that can help a driver get cheap car insurance in San Jose, California is for having safety features in the car. Not all insurance companies recognize a discount like this, but it’s worth asking. Generally, if the insured has a car with air bags, he can automatically qualify for a discount on his premiums. Obviously, this is only relevant if the policy covers a late model vehicle.

Calling on the phone or visiting the websites of several different auto insurance companies serving the San Jose area not only gives the driver an idea of ​​how much prices vary by company, it also gives an idea of ​​what level of insurance is right for them. While you may think that having the highest level of coverage is essential for everyone, it is not. The key to cheap auto insurance in San Jose, California is knowing what you need, then finding a reliable company that can offer it at a price you can afford.