Alum Rock Auto Insurance Rates, Quotes, Agents & Reviews in CA

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.

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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 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