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Three Effective Solutions to Get San Jose Cheap Car Insurance

If you live in San Jose city and you own a car, you are required to purchase at least the minimum coverage policy. However, if you do not drive your car, it will be most likely that you would not want to spend money on your car insurance. In this case, you have two solutions.

You can buy San Jose cheap car insurance just to make sure that your car has all needed documents and could eventually drive it if it’s needed (fines for driving an uninsured car can gets up to $200 with other specific penalties).

The second solution would be to contact the Department of Motors Vehicle and inform them that you are no longer driving your car. If you chose the second solution, you will have to fill in a particular form called ‘Affidavit of Non-Use’. By submitting this file, you will avoid the cancellation of your car’s registration, the suspension of your driver’s license and other specific penalties. If despite the fact that you don’t want to use your vehicle anymore, you will receive a registration renewal notice and will have to submit to DMV a Certificate of Non-Operation or a Planned Non-Operation Certification.

However, if you own a car and you would like to use it but can’t afford any particular coverage type you should know that there alternative car insurance options. What you can do is to apply for a state-sponsored policy. There are two parallel programs which might be a help to you. If you are a San Jose resident with a clean driving history and qualified as a low income earner, you can apply for a car policy through the California Low Cost Automobile Insurance Program. If you don’t qualify for this program and if you are considered to be a high-risk driver with no insurance company willing to sign with you, you can get help through the California automobile Assigned Risk Plan (CAARP).

If you’re willing to purchase car insurance, you are a low-risk driver and not a necessarily low income earner; you will not qualify for either of the above solutions. What you could do in order to get an affordable car insurance is to make sure that you are eligible for particular discounts as: mature drivers discount or multi-car discount, or even anti-theft discount. Aside from these, you could lower your rate with other factors affecting your rate policy. Take your time to learn about all these factors and to benefit from them.

One more particular thing that could help you to obtain San Jose cheap car insurance is the state-mandated good driver discount: if you have your driver’s license for at least three years with no more than one point on your driving record since then and you haven’t been found at fault in any fatal car accident or that produced a minimum of $100 damage of property, you will certainly qualify for a 20% discount.

Don’t prevent yourself from purchasing auto insurance just because you’re afraid of the high rates. Enter your San Jose zip code and carefully check the policy rates. You will certainly get a cheap car insurance fulfilling all your requirements.

Get San Jose Cheap Car Insurance According to Your Marital Status

Getting car insurance in San Jose city can cost you up to $1,500 a year. It might look a high price but it is actually an average cost if you analyze car insurance offers all over the California state or other US states. If you cannot afford this amount to be spent on your insurance policy, you can save some money by fulfilling some relevant conditions. There is also another factor which might bring you a lower rate. Perhaps it is a bit hard to believe or make the connection between the marital status and your car insurance. But it’s true your marital status affects your policy rate.

If you are a single San Jose driver, it is unlikely to benefit from special discounts relating to marital status. Instead, you might be eligible for other types of discounts. Still, if you are single with a minor child or you have the custody of at least one minor child, there are a few insurance companies that could give a particular discount for this situation. All you need to do is to mention this condition and check the companies offering you this benefit. You can check it online for free by entering your zip code in this webpage.SanJoseCarInsurace

On the other hand, being into a domestic partnership might bring you a lower San Jose cheap car insurance rate. Some carriers are willing to give you a similar discount as the one given to married couples. If you want to save some extra money, you need to pay attention to a few more details. If you and your partner both own a car, you should agree to sign only one auto policy covering both of your cars with a multicar policy discount. In addition, in order to purchase even cheaper car insurance, you should bring all your insurance policies with the same company.

For example, purchase your life, home, medical and car insurances from the same provider. You will certainly receive an additional discount. Another thing is your loyalty to your insurance company. Insurance companies value your fidelity and could offer you a 5% up to 10% discount when you renew your policy. If there is no particular reason to change the insurance company, why transfer?

If you are married, you certainly are eligible for a special marital status discount. You can receive a special discount because you have legalized your relationship. If you want to get the lowest possible rate, you need to pay attention to all other factors which might bring you additional discounts.

If you are divorced, there is no particular discount for your car insurance regarding your marital status. Still, you can at least not increase your policy’s rate by keeping the policy together with your ex-partner. If this situation cannot be achieved for different reasons, you can still maintain or even lower your policy rate if you make yourself eligible for other special discounts.

Enter your zip code here in order to check all San Jose cheap car insurance. Most car insurance companies have just revised their rate’s formulas! Don’t lose this opportunity and see the lowest rates for your car policy.