Alum Rock, CA Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Alum Rock, CA, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Factors that can influence the cost of car insurance in Alum Rock, CA are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Alum Rock, CA Auto Insurance Rates
- Alum Rock, CA Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Alum Rock, CA
- Multi Vehicle Insurance Savings in Alum Rock, CA
- How Credit Score Affects Car Insurance Rates in Alum Rock, CA
- How DUI Affects Auto Insurance Premiums in Alum Rock, CA
- Top Auto Insurance Agents Near Alum Rock, CA
- How Driving Violations Affect Auto Insurance Rates in Alum Rock, CA
- Alum Rock, CA Auto Insurance Discounts on Anti Theft Feature
Alum Rock, CA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Alum Rock, CA with that of other cities in and around Alum Rock.
| Alum Rock | Cambrian Park | Campbell | East Foothills | Milpitas | San Jose | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,928 | $2,142 | $1,299 | $2,038 | $1,366 | $1,446 |
Alum Rock, CA Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Alum Rock, CA based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Alum Rock | $1,408 | $1,189 |
| East Foothills | $1,998 | $1,688 |
| Milpitas | $2,071 | $1,750 |
| San Jose | $2,131 | $1,800 |
| Fruitdale | $1,966 | $1,661 |
| Santa Clara | $2,419 | $2,044 |
| Campbell | $2,151 | $1,817 |
| Cambrian Park | $2,271 | $1,918 |
Alum Rock, CA Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Alum Rock, CA usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $6,256 |
| 20 Years | $2,477 |
| 30 Years | $1,908 |
| 40 Years | $1,836 |
| 50 Years | $1,700 |
| 60 Years | $1,724 |
| 70 Years | $2,006 |
Alum Rock, CA Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Alum Rock, CA can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $3,355 | $501 |
| 3 Vehicles | $5,032 | $752 |
| 4 Vehicles | $6,709 | $1,003 |
Savings on 2 Vehicles bundle:$501
Savings on 3 Vehicles bundle:$752
Savings on 4 Vehicles bundle:$1,003
Alum Rock, CA Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Alum Rock, CA.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Alum Rock | $1,928 | $4,747 |
| East Foothills | $2,038 | $5,018 |
| Milpitas | $1,366 | $3,363 |
| San Jose | $1,446 | $3,560 |
| Fruitdale | $2,014 | $4,959 |
| Santa Clara | $1,307 | $3,218 |
| Campbell | $1,299 | $3,198 |
| Cambrian Park | $2,142 | $5,274 |
Alum Rock, CA Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $1,654 |
| Excellent (740-799) | $1,888 |
| Good (670-739) | $2,009 |
| Average (580-669) | $2,621 |
| Poor (300-579) | $3,145 |
Alum Rock, CA Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Tressa Williams | State Farm | 1489 Franklin St, Santa Clara, 95050-4712 | 408-243-4400 |
| Rose Mary Nunes | State Farm | 901 S White Rd, San Jose, 95127-3237 | 408-259-1309 |
| Mario Quezada | State Farm | 441 N 1st St, San Jose, 95112-4019 | 408-295-2900 |
| An Phan | Allstate | 1258 S Abel St, Milpitas, 95035 | (408) 941-8000 |
| Richard Dusablon | Allstate | 950 Thompson St, Milpitas, 95035 | (408) 240-1590 |
| Network One Ins & Fin Ser Inc | Liberty Mutual Independent | 5450 THORNWOOD DR STE K, SAN JOSE, 95123 | (408) 224-4650 |
| Atlantic - Pacific Ins Broker | Travelers | 2542 S BASCOM AVE 280, CAMPBELL, 95008 | 408-371-9224 |
| Palos Verdes Ins. Agcy. Inc. | Liberty Mutual Independent | 1250 OAKMEAD PKWY STE 210, SUNNYVALE, 94085 | (310) 373-0505 |
| Xochitl Nino | Farmers | 4340 Almaden Expy Ste 210, San Jose, 95118 | (408) 599-7424 |
| Marcos Ramirez | Farmers | 2215 S El Camino Real Ste 201, San Mateo, 94403 | (650) 458-4800 |
| The Liberty Co Ins Brokers Inc | Liberty Mutual Independent | 2107 N 1ST ST STE 370, SAN JOSE, 95131 | (408) 246-5666 |
Alum Rock, CA Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$85 | $2,013 |
| Driver's Failure In Showing Documents | +$187 | $2,115 |
| Driving With An Expired Registration | +$199 | $2,127 |
| Driving At A Considerably Slow Pace | +$418 | $2,346 |
| Using A Cellphone While Driving | +$442 | $2,370 |
| Running A Red Light | +$449 | $2,377 |
| Speeding | +$472 | $2,400 |
| Driving A Vehicle Without The Required Permission | +$600 | $2,528 |
| Driving With An Expired/Suspended License | +$1,299 | $3,227 |
Alum Rock, CA Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,851 |
| Active Disabling Device | $1,851 |
| Tracking Device | $1,812 |
| Passive Disabling Device | $1,793 |