Deciphering which insurers offer the lowest-priced auto insurance rates for welfare recipients requires a little more sweat than just comparing rates from one or two companies. Every insurance provider has their own guidelines to set premium rates, so we’ll take a look at the auto insurance companies that tend to have lower prices in Chula Vista, CA.
We do need to point out that Chula Vista, CA auto insurance rates are based on many factors which can significantly increase or decrease the price you pay. Simply getting older, buying a different vehicle, or getting a speeding ticket can trigger rate changes that can cause some rates to be cheaper than competitors.
Compare Cheap Insurance Quotes in California
USAA generally has some of the cheapest car insurance rates in Chula Vista at around $1,155 annually. This is $496 less than the average price paid by California drivers of $1,651. Century National, Wawanesa, Nationwide, and CSAA are also some of the cheaper Chula Vista, CA auto insurance companies.
As depicted above, if you currently have coverage with Nationwide and switched to USAA, you might realize a yearly savings of upwards of $58. Policyholders with CSAA may save as much as $79 a year, and 21st Century policyholders might reduce prices by as much as $183 a year.
To find the cheapest coverage for you, click here to start your custom quote or visit any of the low-priced companies below.
Be aware that those prices are averages across all drivers and vehicles in California and are not factoring in an exact location for welfare recipients. So the car insurance company that has the lowest price for you may not even be in the top 24 companies in the list above. That emphasizes why you need to compare prices as often as possible using your own specific driver information and vehicle.
The vehicle requiring insurance is a large consideration when quoting cheaper coverage for welfare recipients. Vehicles with limited speed and performance, modern passenger safety features, or low incidents of liability claims will cost quite a bit less to insure than fast, unsafe models.
The next table shows insurance premiums for a number of the cheapest vehicles to buy coverage for.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 2WD | $905 |
| Ford Escape XLT 2WD | $912 |
| Jeep Wrangler Sport 4WD 2-Dr | $932 |
| Honda Accord LX-P 4-Dr Sedan | $937 |
| Ford Focus S 4-Dr Sedan | $957 |
| Chevrolet Malibu LS | $975 |
| Volkswagen Jetta S 2.5 Station Wagon | $983 |
| Honda Odyssey LX | $992 |
| Toyota Tacoma Double Cab TRD Off-Road Package 4WD | $994 |
| Ford Explorer Limited 2WD | $1,001 |
| Ford Edge Sport 2WD | $1,028 |
| Chevrolet Impala LTZ | $1,035 |
| Toyota Prius | $1,032 |
| Ford F-150 Lariat King Ranch 2WD | $1,047 |
| Chevrolet Equinox LS 2WD | $1,069 |
| Toyota RAV4 4WD | $1,100 |
| Toyota Camry LE | $1,107 |
| Hyundai Elantra Blue 4-Dr Sedan | $1,108 |
| Chevrolet Silverado 2500HD LTZ Crew Cab Diesel 4WD | $1,119 |
| Kia Optima SX | $1,127 |
| Dodge Grand Caravan Crew | $1,125 |
| Toyota Corolla XLE | $1,151 |
| Dodge Ram Quad Cab ST 4WD | $1,166 |
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Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Information does not factor in specific garaging location which can influence prices noticeably.
Based upon these rates, we can presume that makes and models like the Honda CR-V, Ford Escape, Jeep Wrangler, and Honda Accord are most likely to be some of the most affordable vehicles to insure for drivers on welfare.
For drivers on welfare, one of the big criteria that are looked at to help calculate auto insurance rates is where you live. Areas with more people or more claims are more likely to pay higher prices, whereas areas with fewer weather claims and lower vehicle theft rates benefit from having to pay less for coverage.
The following table rates the most expensive cities in California for welfare recipients to buy car insurance in. Chula Vista is ranked #22 with the yearly price of $1,350 on average, which is around $113 monthly.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Los Angeles | $2,104 |
| 2 | Glendale | $2,079 |
| 3 | San Francisco | $1,745 |
| 4 | Oakland | $1,704 |
| 5 | Sacramento | $1,652 |
| 6 | Long Beach | $1,610 |
| 7 | Stockton | $1,603 |
| 8 | San Bernardino | $1,596 |
| 9 | Garden Grove | $1,570 |
| 10 | Moreno Valley | $1,551 |
| 11 | Santa Clarita | $1,533 |
| 12 | Fontana | $1,519 |
| 13 | Fresno | $1,517 |
| 14 | Modesto | $1,502 |
| 15 | Santa Ana | $1,483 |
| 16 | Riverside | $1,482 |
| 17 | Anaheim | $1,430 |
| 18 | Fremont | $1,403 |
| 19 | Bakersfield | $1,394 |
| 20 | San Jose | $1,381 |
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Table data uses comparative as the specific zip code location can decrease or increase insurance rates noticeably.
Types of discounts on Chula Vista insurance rates
Insurance companies that offer cheap quotes for welfare recipients may also provide policy discounts that could reduce prices by 35% or more if you meet eligibility requirements. Larger auto insurance companies and some of the premium reductions they offer can be found below.
- State Farm offers premium reductions for safe vehicle, multiple autos, anti-theft, accident-free, and driver’s education.
- Progressive may have discounts that include continuous coverage, online quote discount, online signing, multi-policy, multi-vehicle, homeowner, and good student.
- Progressive may include discounts for online signing, multi-vehicle, continuous coverage, online quote discount, homeowner, good student, and multi-policy.
- MetLife has discounts for multi-policy, claim-free, accident-free, good driver, and good student.
- Farm Bureau may offer discounts for multi-policy, 55 and retired, good student, renewal discount, and safe driver.
- GEICO includes discounts for daytime running lights, federal employee, anti-theft, emergency military deployment, driver training, and anti-lock brakes.
- SAFECO discounts include multi-car, teen safety rewards, accident prevention training, teen safe driver, anti-theft, anti-lock brakes, and bundle discounts.
The diagram below shows the comparison of car insurance rates with and without discounts applied to the premium. Data assumes a female driver, no claims or driving citations, California state minimum liability limits, comp and collision included, and $250 deductibles.
The first bar for each age group shows the price with no discounts. The second bar shows the rates with multiple policy, multiple vehicle, marriage, vehicle safety, defensive driving course, and passive restraint discounts applied. When these discounts are applied, theaverage yearly reduction on auto insurance for welfare recipients is 28% or $670.
The example below illustrates how choosing a deductible can increase or decrease premium costs when trying to find cheap insurance for welfare recipients. The premiums assume a single female driver, full coverage, and no discounts are factored in.
In the chart above, a 30-year-old driver could pocket $544 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $816 by switching to a $1,000 deductible. Even younger insureds, such as the Age 20 example, could reduce their rates $1,216 each year by selecting a higher deductible.
If you make the decision to raise deductibles, it will be required to have additional savings on hand to cover the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.
Cost comparison with and without full coverage
Saving money when shopping for auto insurance should be important to the majority of drivers, and one of the best ways to lower the cost of insurance for welfare recipients is to only buy liability coverage. The diagram below visualizes the comparison of insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The data assumes no violations or accidents, $100 deductibles, marital status is single, and no other discounts are factored in.
Averaged for all ages 20 through 70, full coverage on your policy costs an extra $2,525 per year more than buying just liability insurance. That is a significant amount which raises the question when is the right time to remove full coverage. There is no set rule to eliminate physical damage coverage on your policy, but there is a general guideline. If the annual cost of your full coverage insurance is 10% or more of the vehicle’s replacement cost less your deductible, then you might want to think about dropping full coverage.
Tips for finding the cheapest car insurance for welfare recipients
The list below summarizes some penny-pinching ideas that can help drivers find lower-cost car insurance.
- Improve your credit rating
- Maintain a safe distance and avoid accidents
- Buy your homeowners policy from the same company as your auto insurance
- Too many claims can make car insurance unaffordable
- Increase physical damage deductibles
- Do not get traffic citations
- Compare rates often to find the best deal
The last tip is extraordinarily valuable, as was discussed in the prior article. Auto insurance rates in Chula Vista change constantly, so don’t hesitate to change to a new company if a more affordable price is available.
Sticking with a specific company is fine, but it isn’t a good idea if that dedication is costing hundreds of dollars year after year. It only takes a couple minutes to shop around and find cheaper insurance for welfare recipients.