It’s hard to miss the catchy advertisements from auto insurance companies like Nationwide, State Farm, and Progressive that guarantee big savings. So you should just choose any of them, right?
It’s just not that easy, however, as there are a whole bunch of unknown aspects like if you have points on your license, what liability limits you need, and the number of miles you drive in a year. The information below will cover the different scenarios that increase car insurance cost and will hopefully give you some help in finding cheaper rates.
The car, truck, or SUV to be insured is probably the most important factor when shopping for the lowest-priced coverage for handicapped drivers. Vehicles with high performance, a lack of modern safety features, or high incidents of liability claims will cost much more to insure than safer, lower-performance models. The data below features coverage prices for a handful of the more affordable vehicles to buy coverage for.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Hyundai Elantra GLS Touring Station Wagon | $890 |
| Honda CR-V EX 2WD | $898 |
| Toyota RAV4 Limited 2WD | $920 |
| Dodge Grand Caravan Crew | $936 |
| Dodge Ram Quad Cab ST 2WD | $938 |
| Ford Focus SES 4-Dr Sedan | $950 |
| Ford Escape Limited 4WD | $966 |
| Honda Accord EX-L 4-Dr Sedan | $971 |
| Chevrolet Impala LTZ | $968 |
| Chevrolet Silverado 2500HD LT Crew Cab 4WD | $984 |
| Nissan Altima Hybrid 4-Dr Sedan | $993 |
| Volkswagen Jetta SE 4-Dr Sedan | $984 |
| Chevrolet Equinox LTZ AWD | $991 |
| Nissan Rogue S 2WD | $986 |
| Ford Explorer Eddie Bauer 2WD | $998 |
| Ford F-350 XL Super Cab Turbo Diesel 2WD | $1,020 |
| Honda Odyssey LX | $1,044 |
| Ford F-150 XL Super Cab 2WD | $1,051 |
| Toyota Camry Hybrid | $1,050 |
| Chevrolet Silverado LT Extended Cab 4WD | $1,054 |
| Toyota Prius | $1,056 |
| Toyota Tacoma X-Runner 2WD | $1,108 |
| Toyota Corolla XRS | $1,126 |
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Table data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Rate information does not factor in vehicle garaging location which can increase or decrease coverage prices significantly.
Based on these rates, you can assume that cars like the Hyundai Elantra, Honda CR-V, Toyota RAV4, Dodge Grand Caravan, and Dodge Ram are most likely to be some of the most budget-friendly vehicles to insure for drivers with handicaps.
Figuring out which company offers the lowest-priced car insurance rates for handicapped drivers takes a bit more work in order to find the best policy. Each insurance company uses a different method for filing rates in each state, so we’ll go over the car insurance companies with the overall cheapest rates in Chula Vista, CA.
Best Insurance Companies in California
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,143 |
| 2 | Wawanesa | $1,192 |
| 3 | Century National | $1,214 |
| 4 | CSAA | $1,222 |
| 5 | Nationwide | $1,263 |
| 6 | 21st Century | $1,379 |
| 7 | Grange | $1,447 |
| 8 | Progressive | $1,496 |
| 9 | Mercury | $1,503 |
| 10 | Allstate | $1,513 |
| 11 | GEICO | $1,575 |
| 12 | Allied | $1,588 |
| 13 | MetLife | $1,606 |
| 14 | The Hartford | $1,639 |
| 15 | Esurance | $1,705 |
| 16 | State Farm | $1,733 |
| 17 | Unitrin | $1,750 |
| 18 | Travelers | $1,806 |
| 19 | Bristol West | $1,831 |
| 20 | Farmers | $1,966 |
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USAA normally has some of the cheapest car insurance rates in Chula Vista at around $1,143 annually. Wawanesa, Century National, CSAA, and Nationwide would also make the list of some of the cheapest Chula Vista, CA auto insurance companies.
In the rate table above, if you currently have coverage with CSAA and switched to USAA, you could earn an annual premium reduction of upwards of $79. California drivers with Nationwide might save as much as $120 a year, and 21st Century insureds might realize rate reductions of up to $236 a year.
If you want to see how much you could save, click here to start a quote or feel free to get quotes from the companies below.
Remember that these rates are averages across all ages of drivers and types of vehicles and do not factor in an exact location for handicapped drivers. So the auto insurance company that is best suited for you may not even be in the top 24 companies shown above. That point stresses why you need to get rate quotes using your own personal information and vehicle type.
One of the many criteria that determine the cost of insurance is where your residence is. More populated areas are more likely to have higher rates, whereas more rural areas benefit from having to pay less for coverage.
The table below rates the highest-priced places in California for handicapped drivers to buy car insurance in. Chula Vista comes in at #25 with an annual cost of $1,311 for the average insurance policy, which is around $109 each month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Glendale | $2,142 |
| 2 | Los Angeles | $2,083 |
| 3 | San Francisco | $1,745 |
| 4 | Oakland | $1,687 |
| 5 | Sacramento | $1,652 |
| 6 | San Bernardino | $1,596 |
| 7 | Santa Clarita | $1,595 |
| 8 | Long Beach | $1,578 |
| 9 | Garden Grove | $1,554 |
| 10 | Moreno Valley | $1,551 |
| 11 | Modesto | $1,547 |
| 12 | Stockton | $1,541 |
| 13 | Fontana | $1,535 |
| 14 | Riverside | $1,482 |
| 15 | Anaheim | $1,474 |
| 16 | Fresno | $1,457 |
| 17 | Santa Ana | $1,453 |
| 18 | San Jose | $1,423 |
| 19 | Bakersfield | $1,394 |
| 20 | San Diego | $1,381 |
| 21 | Irvine | $1,371 |
| 22 | Huntington Beach | $1,360 |
| 23 | Fremont | $1,348 |
| 24 | Oxnard | $1,318 |
| 25 | Chula Vista | $1,311 |
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Premium amounts are estimated as vehicle location can raise or lower price quotes substantially.
How accidents and violations affect rates
In a perfect world, the ideal way to score the best car insurance premiums in Chula Vista for drivers with handicaps is to drive attentively and not receive tickets or have accidents. The diagram below illustrates how speeding tickets and at-fault claims can drive up premium costs for different insured age categories. The information is based on a married male driver, full coverage, $100 deductibles, and no discounts are applied.
The data charted above shows the average cost of auto insurance in California per year with no accidents and a clean driving record is $2,939. Add in one speeding ticket and the average cost hikes up to $3,375, an increase of $436 each year. Then add in one accident along with the one speeding ticket and the annual cost of car insurance for handicapped drivers goes up to an average of $4,613. That’s an increase of $1,674, or $140 per month, just for not being more responsible behind the wheel!
Liability only or full coverage
Finding the cheapest car insurance should be important to most drivers, and a good way to pay less for insurance for handicapped drivers is to not insure for full coverage. The illustration below shows the difference between auto insurance rates when comparing full coverage to liability only. The data assumes no tickets, no at-fault accidents, $250 deductibles, marital status is single, and no discounts are applied.
Averaged for all age groups, physical damage insurance costs an extra $3,093 per year more than just buying liability insurance. That brings up the question if buying full coverage is a waste of money. There is no definitive guideline to drop full coverage on your policy, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is 10% or more of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.
For example, let’s pretend your vehicle’s book value is $9,500 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $8,500 after paying your policy deductible. If it’s costing in excess of $850 annually for comprehensive and collision coverage, then you might want to think about dropping full coverage.
There are some circumstances where buying only liability insurance is not in your best interest. If you still owe money on your vehicle, you are required to maintain full coverage in order to satisfy the requirements of the loan. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should keep full coverage on your policy.
The information below demonstrates how choosing different deductibles can increase or decrease insurance premiums when researching cheap insurance for handicapped drivers. The premium estimates are based on a married female driver, full physical damage coverage, and no additional discounts are factored in.
In the chart above, a 40-year-old driver could lower their car insurance rates by $360 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $544 by switching to a $1,000 deductible. Even younger insureds, like the Age 20 category, could shave up to $896 every year by choosing larger deductibles on their policy.
If you do decide to increase your deductibles, it will be necessary to have plenty of savings on hand to enable you to pay the extra out-of-pocket expense associated with higher deductibles.