For drivers in San Jose, California, 1989 is a particularly important year. Many car insurance companies in this area suggest that vehicles manufactured in 1989 or later need more coverage than those that are older. For a driver with a late model vehicle this means they should be considering both collision and comprehensive coverage. This generally makes it a bit harder to find cheap car insurance in San Jose, California.
There is a saving grace for many drivers who live in San Jose. The good driver law helps to lower the rates for people who have been fortunate enough to stay clear of accidents for a period of three years. This is something that every driver who qualifies for the discount should mention to prospective insurance agents when they are shopping for car insurance.
Another discount that can help a driver obtain 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 about. Typically if the insured has a car that has air bags they may automatically qualify for a discount on their premiums. Obviously this is only relevant if the policy covers a late model vehicle.
Telephoning or visiting the websites of several different car insurance companies that service the San Jose area not only gives the motorist an idea of how much prices vary per company, but it also provides insight into what level of insurance is right for them. Although you may believe that having the highest level of coverage is essential for everyone, it's not. The key to cheap car insurance in San Jose, California is being aware of what you need and then finding a reliable company that can offer it at a price you can afford.