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Best Cheap Auto Insurance in San Jose 95120

Looking for cheap auto insurance in San Jose? Auto Insurance Center will provide you with the best cheap auto insurance quotes.

As the largest city in Northern California, San Jose is known as the capital of Silicon Valley with its booming high-tech industry.

The area was first inhabited by the Ohlone tribes before Spanish settlers traveled to the region in the late 1700s. They named the area Pueblo de San Jose de Guadalupe in honor of Saint Joseph.

The region was desirable because of the fertile soil and the ease of growing crops. The area was under Mexican rule after Mexico declared its independence from Spain in 1821.

American settlers arrived in the 1840s and the area became United States territory after the Mexican-American War. San Jose was declared the first capital of California in 1849, however, Sacramento would later become the state capital.

The city was incorporated on March 27, 1850. San Jose’s population continued to grow in the 1800s, thanks to the abundance of suitable land for farming. In the 1900s, San Jose became a center for innovation and invention of food-processing equipment. Today, San Jose hosts many canneries and food processing centers that help provide food for the United States.

In addition, San Jose is the center of aerospace and electronic manufacturing companies, known as Silicon Valley. This has helped trigger even more economic and population growth.

Top San Jose attractions include: Santana Row, Cathedral Basilica of St. Joseph, Tech Museum of Innovation, Rosicrucian Egyptian Museum, San Jose Museum of Art, California’s Great America and Winchester Mystery House.

San Jose is home to the Sharks (NHL) and Earthquakes (MLS). The city is also home to San Jose State, competing in the Mountain West Conference. In addition, San Jose contains 15,950 acres of parks and was tied with Albuquerque and Omaha for having the 11th best park system among U.S. cities.

Insurance Discounts in San Jose

In California, a good driving record can earn you auto insurance discounts — up to 20 percent — under California law (Prop 103). Common insurance discounts from car insurance companies include:

  • Good student
  • Multi-car
  • Multiple policy
  • Automatic payment
  • Bundling auto with homeowners or renters
  • Paid-in-full

Remember that the best way to save money with auto insurance is to keep a clean driving record.

Driving Conditions in San Jose

San Jose is classified as a Mediterranean climate. The annual high temperature is 72.6 degrees and the annual low temperature is 50.5 degrees. San Jose experiences about 300 fully or partly sunny days a year. The summers are classified as warm and sunny while the winters are mild and wet. Rain occurs between November and April. The area is also prone to moderate earthquakes thanks to its location between the San Andreas Fault and Calaveras Fault.

Heavy traffic is common in San Jose. Be sure to check traffic reports before traveling.

Crime Statistics

According to the 2015 Crime in the United States report, California had 1,024,914 accounts of property crime and 170,993 accounts of vehicle theft.

California Driver’s License

As a legal resident of California, you’ll need to obtain a California driver’s license. Those with a valid out-of-state license will need to make an appointment before visiting a DMV office as well as be required to pay an application fee and will need to pass a vision and written exam.

When you visit the DMV, bring your valid out-of-state license, proof of U.S. residency (birth certificate, passport, etc.), proof of California residency and proof of your Social Security number.

Seat Belt Laws

Seat belts are required for all drivers and passengers in California.

California law requires that all children under the age of 8 be properly restrained in an appropriate child seat in the backseat of a vehicle. However, children weighing 40 or more pounds or standing 40 or more inches taller are exempt. Children under 2 must ride rear-facing in an appropriate child passenger safety seat.

Cell Phone & Texting Laws

In California, drivers cannot call or text on a handheld device while driving.

Odd Law

In California, it’s unlawful to let a dog pursue a bear or bobcat at any time.

You would be surprised how much insurance rates can vary zip code to zip code even if the zip codes are within the same metropolitan area. This can be for various reasons including higher or lower crime rates in a specific zip code area, accident statistics in that zip code, traffic density in different parts of the city, and even different weather conditions depending on what part of the metro area you are in. This can become even more interesting if you live on the border of a different zip code yet your are paying more for insurance than you would if you lived right across the street. While some people will use this to their advantage and give their insurance company a different address than their actual address to save some money it is not advisable as this may be seen as a form of fraud. 

To find out what your auto insurance rates will be for you zip code either fill out the quick quote form above or call one or more of the local agents below. It is best to call more than one to get them to compete for your business so that you can get the cheapest rates possible. Many people would rather avoid this effort because its more work but its one of the best ways to get cheap auto insurance quotes.

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