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Best Cheap Auto Insurance in Stockton 95219

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

Located in the heart of San Joaquin Valley, Stockton is home to the oldest university in California, University of the Pacific (UOP) and Stockton’s seaport serves as a gateway to California’s Central Valley.

First inhabited by Native Americans, the Yatchicumne tribe built their villages on mounds to protect them against flooding.

Charles M. Weber founded Stockton in 1849, as gold was discovered in the region a year earlier. The city was named after Commodore Robert F. Stockton, a naval officer. The city was incorporated on July 23, 1850.

By 1854, Stockton was the fourth largest city in California, thanks to the Gold Rush and the trade and agriculture industries. By the 1900s, Stockton grew into a major transportation and commercial center.

In 1933, the Port of Stockton opened and became the first inland seaport in California. Stockton continued to build major commercial and residential developments throughout the 1940s.

Top Stockton attractions include: Bob Hope Theatre, Stockton Children’s Museum, Haggin Museum, Japanese Garden at Micke Grove Park, University of the Pacific and Downtown Stockton Marina.

Stockton is home to a minor league hockey team, the Heat, and High-A California league, the Ports, who are an affiliate of the Oakland Athletics. Stockton is also home to the oldest NASCAR certified race track west of the Mississippi, the Stockton 99 Speedway.

Insurance Discounts in Stockton

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 Stockton

Stockton is classified as a Mediterranean climate. The annual high temperature is 75.7 degrees and the annual low temperature is 48.3 degrees. The summers are hot and dry, while the winters are mild. Most of the annual rainfall occurs from October to April. Tule fog can also occur during the winter months. Be sure to check weather reports before traveling.

Interstate 5 and State Route 99 pass through Stockton and traffic is not considered badly congested compared to other major cities. In 2016, Stockton ranked among the Top 5 similar-sized cities with the lowest annual hours of traffic delays.

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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