The type of vehicle that is being insured is one of the largest considerations that determines whether or not you find the most economical insurance for single moms. Vehicles with limited top-end speed, an excellent safety record, or a low likelihood of having liability claims will cost much less to insure than fast, unsafe models.
The table below estimates insurance rates for a handful of the more affordable automobiles to buy coverage for.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape Limited 4WD | $842 |
| Jeep Grand Cherokee Laredo 4WD | $920 |
| Ford Explorer Limited AWD | $936 |
| Toyota Camry XLE | $968 |
| Toyota Tacoma X-Runner 2WD | $977 |
| Nissan Altima 2.5 S 4-Dr Sedan | $968 |
| Honda CR-V EX 4WD | $974 |
| Ford Fusion SEL 4-Dr Sedan | $984 |
| Jeep Wrangler Sport 4WD 2-Dr | $989 |
| Chevrolet Silverado 2500HD LT Crew Cab 4WD | $984 |
| Chevrolet Silverado LT Regular Cab | $986 |
| Dodge Grand Caravan CV | $998 |
| Ford Edge Limited 2WD | $1,034 |
| Honda Accord LX-S 2-Dr Coupe | $1,043 |
| Dodge Ram 2500 Crew Cab ST 2WD | $1,050 |
| Toyota RAV4 Limited 4WD | $1,054 |
| Volkswagen Jetta S 4-Dr Sedan | $1,063 |
| Toyota Prius | $1,056 |
| Ford F-150 XL Crew Cab 2WD | $1,068 |
| Toyota Corolla LE | $1,108 |
| Honda Civic LX 2-Dr Coupe | $1,126 |
| Chevrolet Impala LT | $1,128 |
| Chevrolet Malibu LS | $1,138 |
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Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Price information does not factor in specific Chula Vista, CA garaging location which can impact coverage rates significantly.
By looking at the data, you can see that makes and models like the Ford Escape, Jeep Grand Cherokee, Ford Explorer, and Toyota Camry will be a few of the more affordable vehicles to insure for single parents.
Finding out which company has the cheapest insurance rates for single moms will require more work in order to find the best policy. Each insurer has their own unique process to establish rates, so let’s take a look at the insurance companies with the overall cheapest rates in Chula Vista, CA.
It’s important to know that Chula Vista insurance rates are impacted by many things which can significantly increase or decrease the policy price. Simply turning a year older, buying another vehicle, or having a fender bender can trigger rate changes that can cause some rates to be more affordable than competitors.
Find the Cheapest Car Insurance for Single Moms
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,143 |
| 2 | Wawanesa | $1,146 |
| 3 | CSAA | $1,222 |
| 4 | Century National | $1,226 |
| 5 | Nationwide | $1,250 |
| 6 | 21st Century | $1,338 |
| 7 | Grange | $1,491 |
| 8 | Mercury | $1,503 |
| 9 | Progressive | $1,512 |
| 10 | GEICO | $1,529 |
| 11 | Allied | $1,541 |
| 12 | Allstate | $1,543 |
| 13 | The Hartford | $1,575 |
| 14 | MetLife | $1,654 |
| 15 | Unitrin | $1,682 |
| 16 | State Farm | $1,699 |
| 17 | Esurance | $1,705 |
| 18 | Bristol West | $1,795 |
| 19 | Travelers | $1,860 |
| 20 | Farmers | $2,006 |
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USAA normally has some of the cheapest car insurance rates in Chula Vista at around $1,143 each year. This is $508 less than the average price paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide are also some of the cheaper Chula Vista, CA insurance companies.
In the above rates, if you buy coverage from Century National and switched to USAA, you may see a yearly price reduction of in the vicinity of $83. Customers with Nationwide might save as much as $107 a year, and 21st Century policyholders might cut rates by $195 a year.
These rates are averages across all drivers and vehicles and and are not calculated with a vehicle location for single moms. So the car insurance company that fits you best may not even be in the top 24 companies in the list above. That affirms the importance of why you need to get quotes using your own driver data and vehicle information.
Types of discounts on Chula Vista auto insurance
Insurance companies that provide policies for single moms may additionally offer discounts that can reduce rates by as much as 30% if you are eligible. Companies and some of the discounts are outlined below.
- GEICO may have discounts that include air bags, defensive driver, federal employee, anti-lock brakes, and membership and employees.
- MetLife includes discounts for good driver, multi-policy, accident-free, defensive driver, good student, claim-free
- State Farm offers discounts including Drive Safe & Save, Steer Clear safe driver discount, student away at school, multiple policy, passive restraint, and safe vehicle.
- Progressive may offer discounts for online signing, homeowner, continuous coverage, online quote discount, and good student.
- Mercury Insurance has discounts for low natural disaster claims, multi-car, annual mileage, good driver, ease of repair, and multi-policy.
- 21st Century offers premium reductions for homeowners, good student, early bird, defensive driver, teen driver, air bags, and anti-lock brakes.
- Allstate discounts include anti-lock brakes, eSmart discount, EZ pay plan discount, 55 and retired, farm vehicle, teenSMART discount, and new car.
The chart below compares auto insurance rates with and without discounts. The premiums are based on a male driver, no driving violations, no at-fault accidents, California state minimum liability limits, comprehensive and collision coverage, and $250 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second shows the rates with homeowner, defensive driving course, safe-driver, multiple vehicle, passive restraint, and anti-theft discounts applied. When discounts are factored in, theaverage yearly reduction on insurance for single moms is 28% or $640.
The chart below illustrates how choosing a deductible can impact insurance rates when researching cheap insurance for single moms. The premiums are based on a single male driver, comp and collision included, and no policy discounts are applied.
The chart above illustrates that a 30-year-old driver could reduce rates by $488 a year by increasing from a $100 deductible to a $500 deductible, or save $736 by using a $1,000 deductible. Youthful drivers, like the Age 20 chart data, could drop their prices as much as $1,432 every year by selecting a higher deductible. If you do decide to increase your deductibles, it is essential to have enough savings to be able to cover the extra out-of-pocket expense associated with higher deductibles.
How to find budget-friendly auto insurance for single moms
Below you’ll find some of the better penny-pinching suggestions that can help California drivers get cheaper auto insurance.
- Higher credit scores can equal lower rates
- Drive a car with a high safety rating
- Assess whether full coverage is needed
- Increase the comprehensive and collision deductibles on your policy
- Save money by obeying traffic laws and keeping a clean driving record
- Prevent rate increases by staying accident-free
- Compare rates once a year for cheaper prices
The last item on the list is remarkably crucial, as we emphasized in this piece. Prices in Chula Vista change constantly, so you should be ready to change to a new company if a better rate can be found.
Having a favorite company is fine, but it’s not recommended if it’s costing you money that could be going to better use. If you have a few minutes, compare rates and find cheaper auto insurance for single moms.
If you wish to have a consultation when comparing insurance rates for single moms, the agents listed below can provide answers to your questions and help you determine which car insurance policy is best. To find an agent using an interactive map, click the button below the list.
- Allstate Insurance: Alfredo Contreras
2318 Proctor Valley Rd #102 – Chula Vista, CA 91914 – (619) 505-2040 - Eastlake Insurance Services
884 Eastlake Pkwy # 1626 – Chula Vista, CA 91914 – (619) 216-6100 - Applied General Agency / Jake Widmer Insurance
1873 Marquette Rd – Chula Vista, CA 91913 – (619) 852-1013 - Penagos Insurance
1680 Broadway – Chula Vista, CA 91911 – (619) 691-1071