You have probably watched the captivating ads from auto insurance companies like Liberty Mutual, The General, and Farmers that say if you switch you’ll get enormous savings, so drivers just need to pick one at random, right?
It’s just not that simple, as there are many unknown factors like your financial responsibility, how many years you have been driving, if you are a homeowner, and the amount of liability coverage you want, that all impact the cost of your policy. This article should teach you a little about some of these topics and should give you a solid foundation to find cheaper car insurance in Chula Vista.
Figuring out which company has the most affordable car insurance rates for 20 year old women requires a little more effort than just getting one or two price quotes. Each company has a different process to set their prices, so we will examine the lowest cost car insurance companies in California.
It’s a good idea to be aware that Chula Vista, CA car insurance rates are determined by lots of factors that may substantially change the cost of a policy. Improving your credit rating, buying a different home, or having an at-fault accident can trigger price changes that may make certain companies cheaper in comparison to the competition.
Find the Cheapest Auto Insurance for Women Age 20
USAA quotes some of the best car insurance rates in Chula Vista at around $1,121 per year. Wawanesa, CSAA, Century National, and Nationwide would also make the list of some of the best Chula Vista, CA insurance companies.
In this example, if you currently buy coverage from Century National and switched to USAA, you could realize a yearly price reduction of upwards of $105. California drivers with Nationwide may save as much as $129 a year, and 21st Century customers might lower prices by $204 a year.
These premium estimates are averages across all drivers and vehicles in California and and are not calculated with a vehicle location for 20 year old women. So the auto insurance company that fits you best may not even be in the top 24 companies shown above. That emphasizes why you need to quote rates from many companies using your own driver data and vehicle information.
For young women, one of the more important components that help determine the amount you pay for auto insurance is where you live. Areas with more people or more claims tend to have more expensive car insurance rates, whereas areas that tend to be more rural benefit from lower prices.
The following table sorts the priciest cities in California for 20 year old women to buy auto insurance in. Chula Vista is listed at #23 with an annual cost of $1,337 on average, which is about $111 monthly.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Glendale | $2,142 |
| 2 | Los Angeles | $2,104 |
| 3 | Oakland | $1,738 |
| 4 | Sacramento | $1,720 |
| 5 | San Francisco | $1,711 |
| 6 | San Bernardino | $1,628 |
| 7 | Long Beach | $1,610 |
| 8 | Santa Clarita | $1,595 |
| 9 | Fontana | $1,566 |
| 10 | Stockton | $1,541 |
| 11 | Garden Grove | $1,524 |
| 12 | Moreno Valley | $1,491 |
| 13 | Modesto | $1,487 |
| 14 | Riverside | $1,482 |
| 15 | Anaheim | $1,474 |
| 16 | Fresno | $1,472 |
| 17 | Santa Ana | $1,439 |
| 18 | San Jose | $1,423 |
| 19 | Huntington Beach | $1,416 |
| 20 | Fremont | $1,389 |
| 21 | Bakersfield | $1,353 |
| 22 | Irvine | $1,343 |
| 23 | Chula Vista | $1,337 |
| 24 | San Diego | $1,327 |
| 25 | Oxnard | $1,304 |
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Prices are estimated as the vehicle garaging location can impact prices significantly.
Cost comparison with and without full coverage
Saving on car insurance is the goal of most drivers, and an effective way to buy cheaper insurance for 20 year old women is to buy liability only. The chart below illustrates the comparison of insurance premiums with and without full coverage. Data assumes a clean driving record, no at-fault accidents, $500 deductibles, drivers are not married, and no other discounts are factored in.
If averaged for all ages, comprehensive and collision coverage on your policy costs an extra $2,075 per year more than buying just liability insurance. Many people question if you should buy full coverage at all. There is no exact formula to drop full coverage on your policy, but there is a general convention. If the annual cost of coverage is more than 10% of the replacement cost minus the deductible, then you might want to think about dropping full coverage.
There are a few situations where dropping full coverage is not financially feasible. If you still owe money on your vehicle, you have to carry full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should keep full coverage on your policy.
The illustration below illustrates how choosing a deductible can raise or lower premium costs when getting quotes for cheap insurance for 20 year old women. The costs are based on a married female driver, full coverage, and no discounts are applied.
As shown above, a 40-year-old driver could lower rates by $300 a year by switching from a $100 deductible to a $500 deductible, or save $456 by changing to a $1,000 deductible. Younger drivers, like the Age 20 chart data, have the ability to save up to $750 every year just by choosing larger deductibles. When insureds make the decision to increase the deductibles on their policy, it is necessary to have additional funds squirreled away to satisfy the extra out-of-pocket expense that comes with higher deductibles.
Compare rates to save
Chula Vista car insurance rates are impacted by many factors which can substantially decrease or increase the cost of coverage. Simply having another birthday, adding a teenager to your policy, or getting a speeding ticket can cause premium changes that can make some companies cheaper than competitors.
In addition to those changes, auto insurance companies file new California car insurance rates every year to adjust for unexpected claims or profits. An unexpected high level of claims can result in rate hikes, while a lower level of claims may produce more affordable Chula Vista car insurance rates.
For example, the graph below compares the cheapest car insurance in Chula Vista, CA for a 35-year-old female driver with a clear driving record, no claims, and good financial standing. If we look at prices based on her personal profile, Wawanesa might offer the lowest car insurance rates in Chula Vista at $1,146 each year. This is $505 less than the average price paid by California drivers of $1,651. USAA, Century National, CSAA, and Nationwide are also included in the most affordable Chula Vista, CA auto insurance companies.
Now we will pretend the driver from the first rate comparison a claim surcharge, bad credit, and a traffic citation. Due to the fact that every auto insurer has a different process for setting rates, comparing rates may result in a completely different list of affordable companies as shown below.
Grange now has the best price on car insurance in Chula Vista, CA with Mercury, Allied, Progressive, and Allstate also having competitive pricing. This illustrates why it is critical to take the time to shop around to get the lowest car insurance quotes for 20 year old women.
Insurance prices can be altered by many risk factors and can increase or decrease at any time, so the best company when you last compared rates may now be priced much higher than other options.