San Jose is one of California’s biggest cities, and is only getting bigger. Silicon Valley continues its rapid growth, which means more and more drivers and, for many of those drivers, more time spent on the road. As is the case in most large cities, it’s important to compare all the options for cheap car insurance that San Jose can offer.
The state of California requires drivers to carry sufficient liability insurance to pay for property damage and medical costs if you’re at fault in an accident.
California requires two kinds of liability insurance: bodily injury liability ($15,000 per person/$30,000 per accident) and property damage liability ($5,000 per accident). This basic coverage pays for damage you cause, but not damage to your own car. And what happens if you are hit by an uninsured driver?
But liability coverage won’t cover the cost of repairs if you’re struck by an uninsured driver (estimates show up to 23% of California drivers don’t carry insurance). Also, if you’re financing or leasing a car, you’ll probably be required to carry collision or comprehensive insurance until the loan is paid or the lease ends.
Most companies allow you to tailor an auto policy to fit your situation. Whether you’re looking for basic coverage or the full package, make sure your plan offers flexible policy options to meet your needs, including:
- Product damage liability – covers damage to another vehicle when you are at fault in an accident
- Bodily injury liability – covers medical costs for injured passengers or drivers when you are at fault in an accident
- Personal injury protection/medical – covers medical costs for yourself regardless of who is at fault
- Collision – covers damage to your vehicle resulting from a collision regardless of fault
- Uninsured/underinsured motorist – covers damage to your vehicle when the at-fault driver’s insurance coverage is insufficient to pay for damages
- Comprehensive damage coverage – covers damage to your vehicle regardless of the cause (may include floods, weather, animals) as well as theft
- Rental reimbursement – pays for the cost of a rental vehicle while your car is being repaired or replaced
Also look for other discounts you may be eligible for, such as:
- Discounts for safety courses taken
- Marital discounts
- Good driver discounts
- Multi-car discounts
- Multi-policy discounts
- Association discounts
- Education discounts
- Occupation discounts
- Excess vehicle discounts
- Mileage discounts
California has more competition for your business than almost any other state in the nation. So, if you’re a San Jose driver, make sure your car insurance policy is meeting your current needs.
San Jose’s Hot Spots
San Jose offers great things for you and your family can enjoy. If you are into different things, the Winchester Mystery House, gives you all the things you are hoping for. The house belonged to Sarah Winchester who was the widow of William Winchester who was the famous gun maker. It is rumored that the house took a whopping 38 years to construct and the work never stopped until Sarah Winchester passed away. Throughout the house it has some great rooms and maze like hallways.
If you like to learn about history and explore some museums, the Rosicrucian Egyptian Museum is the place for you. Located in San Jose, this museum really takes you back in time to know what life was like in ancient Egypt. The museum has the largest collection of items of ancient Egypt in the Western United States. The museum is constructed in the same style of the ancient Egyptians to make you feel like you are really there. This museum is absolutely breathtaking and it is a great museum you and your family will certainly enjoy
San Jose’s Housing Trends
Living in San Jose is very expensive considering it is close to an area where it is known to have some really high cost of living rates. The average rent in San Jose is $2,790 and that is a 3% increase from the previous year. The cost of living goes up almost every year in Northern California. The average apartment size is around 886 square feet which is fair size. Over 90% of people who rent their properties in San Jose pay more than $2,000 which is substantial.
The average home price in San Jose is around $1,115,000 which is quite high compared to other cities’ averages in California. The housing market is extremely competitive and many homes get multiple offers. Homes that are desirable can sell for about 7% above listing price which is pretty rare.