Stockton is situated amidst the farmland of California’s San Joaquin Valley, and around Stockton are thousands of miles of waterways, which make up the California Delta. Stockton and Sacramento are California’s only inland sea ports. Interstate 5 and State Route 99, inland California’s major north-south highways, pass through the city. Traffic on these highways is always a challenge, and accidents are part of living in a large city. In addition, Stockton has experienced a high rate of violent crime for many years, ranking 19th on the list of the most dangerous cities. Residents should make sure they have the most protection they can afford by looking at all the options for cheap car insurance Stockton has available.
Stockton Insurance Requirements
All California state residents, including those living in Stockton, are legally required to have basic liability insurance in the following limits:
- $5,000 of property damage liability per incident
- $15,000 of bodily injury liability per person
- $30,000 of bodily injury liability per incident
The minimum coverage may be all the law requires, but living in a city like Stockton means the minimum is not nearly enough. Even though these policy elements are considered optional, they really are not when you live in a city with a high crime rate. Find ways to bundle your car insurance and renters or homeowners insurance, so you can be sure these categories are part of your policy.
- Towing and labor
- Rental reimbursement
- Uninsured motorist bodily injury
Make sure to take advantage of every discount you can. Also, it is a good idea to review your policy with your agent at least once every six months to make sure you have all the discounts available. Here’s just a sampling:
- Mature Driver discount
- Multi-Car discount
- Anti-Theft discount
- Good Driver discount
Public Transportation in Stockton
Another way to get cheap car insurance is to take advantage of public transportation. This keeps the mileage on your car low, which saves you money on your premium. Stockton is centrally located with access to:
- Port of Stockton — an international deep-water port.
- Amtrak railroad system
- intrastate and interstate freeway systems.
- Stockton Metropolitan Airport