Do you want to learn to get low-cost insurance rates in Chula Vista, CA? Buying the most affordable quotes over the internet might appear impossible for drivers new to shopping for insurance on the internet. When there are so many insurers available, how can anyone have a chance to compare every possible option in order to find the lowest price?

A recent insurance study discovered that about 70% of customers renewed their policy with the same company for well over three years, and almost half have never even shopped around for lower-cost coverage. American drivers could save an average of approximately 46.5% each year by just comparing quotes, but they feel it's too difficult to compare rates and save money.

If you are paying for car insurance now, you should be able to get lower rates using the techniques covered below. Pricing the lowest cost policy in Chula Vista is not as time-consuming as you think. But California vehicle owners must understand how big insurance companies market insurance on the web because rates fluctuate considerably.

To find cheaper prices, there are a couple of ways to compare prices from companies that offer insurance in California. The easiest way by far to compare insurance prices is to use the internet to compare rates. When comparison shopping, comparing all the rates in your area gives you a better chance of getting more affordable rates. Some regional insurers cannot provide online quotes, so it's recommended that you also compare price estimates from them as well.

The companies shown below can provide quotes in Chula Vista, CA. To get cheaper auto insurance in California, we recommend you get rates from several of them to get a more complete price comparison.

Insurance Costs for Popular Vehicles in Chula Vista
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LS $1,142 $571 $95
Chevrolet Malibu LS $1,490 $745 $124
Chevrolet Silverado LTZ Extended Cab 4WD $1,226 $613 $102
Dodge Grand Caravan SXT $1,728 $864 $144
Dodge Ram Crew Cab ST 4WD $1,276 $638 $106
Ford Escape XLT 2WD $982 $491 $82
Ford F-150 XLT Super Cab 2WD $1,116 $558 $93
Ford Focus SE 2-Dr Coupe $1,462 $731 $122
Ford Fusion SEL AWD 4-Dr Sedan $1,764 $882 $147
Honda Accord LX-P 4-Dr Sedan $966 $483 $81
Honda CR-V EX 2WD $1,280 $640 $107
Honda Civic LX 2-Dr Coupe $1,918 $959 $160
Hyundai Elantra SE 4-Dr Sedan $1,202 $601 $100
Hyundai Sonata Limited 4-Dr Sedan $1,360 $680 $113
Nissan Altima 2.5 S 4-Dr Sedan $1,482 $741 $124
Toyota Camry Hybrid $1,486 $743 $124
Toyota Corolla XLE $1,482 $741 $124
Toyota RAV4 Sport 2WD $1,396 $698 $116
Volkswagen Jetta S 4-Dr Sedan $1,458 $729 $122
Get Your Own Custom Quote Go

Premium data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Price estimates do not factor in specific location which can modify coverage rates significantly.

Irresponsible driving raises your rates

The example below illustrates how speeding tickets and at-fault fender-benders can increase Dodge Ram insurance prices for each different age category. The price estimates are based on a single female driver, comp and collision included, $100 deductibles, and no discounts are factored in.

Dodge Ram rates are for example purposes only. To get rates for your specific vehicle, click here.

How high should deductibles be?

The example below highlights how deductible selection and can change Chevrolet Malibu insurance costs for each different age category. The data is based on a single male driver, full physical damage coverage, and no discounts are applied.

Chevrolet Malibu rates are for example purposes only. To get rates for your specific vehicle, click here.

Liability only or full coverage

The diagram below illustrates the difference between Chevrolet Tahoe insurance prices with full physical damage coverage compared to only buying liability only. The data assumes a clean driving record, no claims, $250 deductibles, single male driver, and no discounts are applied.

Chevrolet Tahoe rates are for example purposes only. To get rates for your specific vehicle, click here.

Should you buy full coverage or liability only?

There isn't a written rule to drop physical damage coverage, but there is a general guideline. If the annual cost of coverage is more than 10% of the settlement you would receive from your company, then you might want to think about dropping full coverage.

For example, let's assume your Chevrolet Tahoe settlement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $5,000 after paying your policy deductible. If it's costing you more than $500 a year for full coverage, then it might be time to buy liability only.

There are a few situations where dropping full coverage is not financially feasible. If you haven't satisfied your loan, you are required to maintain full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not drop full coverage.

Three reasons to not skimp on auto insurance

Despite the potentially high cost of auto insurance, buying auto insurance is mandatory in California but it also protects more than you think.

The benefits of buying enough insurance more than cancel out the cost, particularly if you ever have a claim. The average driver in America overpays as much as $700 annually so compare rate quotes at least once a year to ensure rates are inline.

Smart buyers know how to buy car insurance more affordably

Many things are used in the calculation when quoting car insurance. Some of the criteria are obvious such as traffic violations, but other criteria are not as apparent such as your credit history or your commute time. Part of the car insurance buying process is learning the factors that are used to determine your premiums. When consumers understand what determines base rates, this enables you to make decisions that can help you get cheaper rates.

Shown below are some of the things car insurance companies consider when setting your rates.

You may save more by combining policies - Some insurers provide discounts to policyholders who buy several policies from them, otherwise known as a multi-policy discount. The amount of the discounts can be ten or even fifteen percent. Even with this discount, you may still want to compare other company rates to verify if the discount is saving money.

What type of vehicle do you drive? - The performance of the car you need to insure makes a significant difference in your rates. The lowest performance passenger cars receive the most favorable rates, but many other things help determine your insurance rates.

Your address can affect rates - Living in smaller towns and rural areas of the country is a positive aspect when insuring your vehicles. Fewer drivers and short commutes corresponds to lower accident rates as well as less vandalism and auto theft. People who live in big cities regularly have congested traffic and much longer commute distances. More time on the road translates into higher accident risk.

Lower rates for safer vehicles - Cars with high safety ratings cost less to insure. The safest vehicles have better occupant injury protection and reduced instances of injuries translates into fewer and smaller insurance claims which can mean better rates for you.

Alarm systems save money - Driving a car with a theft deterrent system can earn a premium discount. Anti-theft features such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack can thwart auto theft and help lower rates.

Raising deductibles saves money - Coverage for physical damage, also known as collision and other-than-collision, helps pay for damage to your vehicle. A few examples of covered claims are a broken windshield, collision with an animal, and windstorm damage. The deductibles you choose tell how much you are required to spend if the claim is covered. The more expense the insured is willing to pay, the lower your rates will be.

Single vs. married - Having a significant other actually saves money compared to being single. Marriage demonstrates that you tend to be more stable financially it has been statistically shown that married drivers get in fewer accidents.

Where do you drive? - The higher the miles on your car every year the more it will cost to insure it. Almost all companies price each vehicle's coverage partially by how you use the vehicle. Vehicles that do not get driven very much can get a lower rate as compared to vehicles used primarily for driving to work. It's a good idea to make sure your car insurance policy is rated on the correct usage.

Get discounts on Chula Vista car insurance

Not many people think insurance is cheap, but you might find some hidden discounts that can help lower your rates. A few discounts will be applied when you purchase, but some discounts are required to be asked for before being credited.Car insurance discounts

You can save money using discounts, but most discounts do not apply to your bottom line cost. Most only cut specific coverage prices like medical payments or collision. Just because you may think it's possible to get free car insurance, nobody gets a free ride.

Some companies that may include many of the previously listed discounts are:

If you are trying to find low cost Chula Vista car insurance quotes, ask every prospective company which discounts they offer. Some discounts might not be offered in your area.

Insurance agent or online?

A small number of people just prefer to get advice from a local agent and doing that can be a smart decision One of the great benefits of comparing rates online is the fact that you can find the lowest rates and still have a local agent. Buying insurance from local insurance agencies is definitely important in Chula Vista.

To help locate an agent, after submitting this form (opens in new window), your insurance coverage information is transmitted to local insurance agents that can provide free Chula Vista car insurance quotes for your business. You never need to leave your computer because quoted prices will be sent directly to your email. You can get cheaper car insurance rates without requiring a lot of work. If you have a need to get a rate quote for a specific company, don't hesitate to go to their quote page to submit a rate quote request.

Different types of Chula Vista car insurance agents

When looking for a reputable insurance agent or broker, there are two different agency structures and how they differ in how they quote coverages. Insurance agencies in Chula Vista are considered either exclusive or independent.

Independent Car Insurance Agencies or Brokers

Agents that elect to be independent are not limited to a single company so they can quote policies with lots of companies and potentially find a lower price. If they quote lower rates, the business is moved internally which is easy for the insured.

When comparison shopping, it's recommended you get some free quotes from several independent agencies for maximum quote selection. Most have the option of insuring with lesser-known insurance companies that can offer cheaper rates than bigger companies.

Exclusive Insurance Agencies

These agents are contracted to one company such as Allstate and State Farm. Exclusive agents cannot shop your coverage around so they have no alternatives for high prices. Exclusive agencies receive extensive training on their company's products which helps offset the inability to provide other markets. Some insured continue to purchase coverage from exclusives mostly because of high brand loyalty rather than having the cheapest rates.

Picking a insurance agent should include more criteria than just a low price. The questions below may impact your decision as well.

Auto insurance claims by make and model

Is your vehicle likely to have claims? The following tables show the worst and best makes and models for the probability of having claims orgainized by coverage.

Lowest and Highest Comprehensive Insurance Claims by Vehicle
Lowest Overall Losses Highest Overall Losses
GMC Sierra 2500 Maserati Granturismo
Ford F-350 BMW M6
Volvo V60 Bentley Continental GTC
Chevy Spark Maserati Quattroporte
Infiniti QX50 BMW M6
Nissan Xterra Audi S7

Statistics from IIHS.org for 2013-2015 Model Years

Medical Payment Claims by Vehicle Make and Model
Lowest Overall Losses Highest Overall Losses
Chevrolet Silverado 3500 Nissan Versa
Ford F-250 SuperCrew Dodge Charger
Audi A4 Allroad Chrysler 200
Chevrolet Silverado 2500 Mitsubishi Lancer
Tesla Model S Kia Forte
Ford Expedition Chevrolet Sonic

Statistics from IIHS.org for 2013-2015 Model Years

Car Insurance Liability Claims by Vehicle Make and Model
Lowest Overall Losses Highest Overall Losses
Fiat 500 Chevrolet Impala
Subaru Outback Chevrolet Cruze
Audi A6 Dodge Charger
Subaru Forester Kia Optima
Acura MDX Chrysler 200
Chevrolet Corvette Mitsubishi Lancer

Statistics from IIHS.org for 2013-2015 Model Years

Vehicle Models with the Lowest and Highest Collision Insurance Claims
Lowest Overall Losses Highest Overall Losses
Ford Edge Bently Continental GTC
Chevrolet Colorado Maserati Granturismo
Ford F-250 SuperCab BMW 6 Series
GMC Canyon Audi RS7
Smart ForTwo Maserati Ghibli
Mini Cooper Bently Continental GT

Statistics from IIHS.org for 2013-2015 Model Years

Keep this in mind when shopping around

We've covered a lot of information how to shop for car insurance online. The key concept to understand is the more companies you get rates for, the more likely it is that you will get a better rate. Drivers may even discover the best price on car insurance is with some of the lesser-known companies.

When buying insurance coverage, it's a bad idea to skimp on coverage in order to save money. There are many occasions where drivers have reduced collision coverage only to discover later they didn't have enough coverage. Your strategy should be to buy enough coverage at the lowest possible cost while not skimping on critical coverages.

A few companies may not provide the ability to get quotes online and most of the time these small insurance companies work with local independent agents. Cheaper car insurance in Chula Vista can be found on the web as well as from insurance agents, and you should compare rates from both so you have a total pricing picture.

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