The vehicle you are trying to insure is probably the largest consideration when comparing quotes for cheaper car insurance for a company car. Vehicles with economical engines, good safety features, or a positive history of liability claims will cost substantially less to insure than fast, unsafe models.
The table below outlines car insurance premiums for the more affordable vehicles to insure.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLT 2WD | $794 |
| Honda Accord EX-L 4-Dr Sedan | $865 |
| Toyota Prius | $883 |
| Honda CR-V EX-L 2WD | $893 |
| Toyota RAV4 Limited 2WD | $943 |
| Jeep Grand Cherokee Laredo 4WD | $953 |
| Dodge Grand Caravan SE | $975 |
| Toyota Camry SE | $993 |
| Hyundai Elantra GLS 4-Dr Sedan | $998 |
| Toyota Corolla S | $993 |
| Honda Civic DX 4-Dr Sedan | $1,009 |
| GMC Sierra 2500HD SLE Regular Cab 4WD | $1,011 |
| Ford F-150 STX Regular Cab 4WD | $1,021 |
| Nissan Altima Hybrid 4-Dr Sedan | $1,011 |
| GMC Sierra SLT Extended Cab 2WD | $1,017 |
| Chevrolet Impala LT | $1,032 |
| Ford Edge SEL AWD | $1,040 |
| Find Cheaper Rates Go | |
Data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Price estimates do not factor in vehicle location which can affect prices considerably.
By looking at the data, makes and models like the Ford Escape, Honda Accord, Toyota Prius, and Honda CR-V should be the most budget-friendly vehicles to insure for your employer’s vehicle.
Finding reliable, budget auto insurance is tough enough, and finding out which company has the lowest-priced car insurance rates for a company car takes even more perseverance.
Each insurer has a unique approach to set their prices, so to begin we’ll rank the overall cheapest car insurance companies in Chula Vista, CA.
Best Insurance Companies in California
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,143 |
| 2 | CSAA | $1,186 |
| 3 | Century National | $1,190 |
| 4 | Wawanesa | $1,192 |
| 5 | Nationwide | $1,226 |
| 6 | 21st Century | $1,338 |
| 7 | Mercury | $1,488 |
| 8 | Grange | $1,491 |
| 9 | Progressive | $1,496 |
| 10 | Allstate | $1,543 |
| 11 | GEICO | $1,559 |
| 12 | Allied | $1,588 |
| 13 | MetLife | $1,590 |
| 14 | The Hartford | $1,623 |
| 15 | Esurance | $1,688 |
| 16 | Unitrin | $1,733 |
| 17 | State Farm | $1,733 |
| 18 | Bristol West | $1,849 |
| 19 | Travelers | $1,860 |
| 20 | Farmers | $2,006 |
| View More Rates Go | ||
USAA generally has some of the best car insurance rates in Chula Vista at around $1,143 per year. This is $508 less than the average price paid by California drivers of $1,651. CSAA, Century National, Wawanesa, and Nationwide also rank well as some of the cheapest Chula Vista, CA insurance companies.
In this example, if you are a policyholder with Nationwide and switched to CSAA, you could realize an annual premium reduction of upwards of $40. Drivers with 21st Century might save as much as $152 a year, and Mercury customers might lower prices by up to $302 a year.
To see if you’re overpaying, click here to start your free quote or visit any of the low-priced companies below.
It’s important to note that these policy prices are averaged for all insureds and vehicles and do not factor in an exact zip code location for a company car. So the car insurance company that has the cheapest rates for you may not even be in the list above. That points out the importance of why you need to quote rates from as many companies as possible using your own driver data and vehicle information.
Discounts on Chula Vista car insurance rates
Insurance companies that offer coverage for a company car may also give you premium discounts that can reduce rates by 40% or more if you meet specific criteria. Larger car insurance companies and a partial list of their discounts are shown below.
- GEICO has discounts for military active duty, good student, driver training, anti-theft, and multi-policy.
- Auto-Owners Insurance has savings for group or association, mature driver, safe driver, multi-policy, safe vehicle, and teen driver.
- American Family may offer discounts for multi-vehicle, early bird, Steer into Savings, good driver, bundled insurance, good student, and defensive driver.
- Esurance may include discounts for Switch & Save, online shopper, safety device, emergency road assistance, defensive driver, homeowner, and online quote.
- Progressive discounts include good student, homeowner, continuous coverage, online signing, multi-policy, online quote discount, and multi-vehicle.
- State Farm offers premium reductions for good student, driver’s education, student away at school, defensive driving training, passive restraint, accident-free, and multiple policy.
- AAA policyholders can earn discounts including education and occupation, multi-car, multi-policy, pay-in-full, good student, and good driver.
The information below shows the comparison of car insurance costs with and without discounts being applied to the rates. The data is based on a male driver, a clean driving record, no at-fault accidents, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.
The first bar for each age group shows the price with no discounts. The lower bar shows the rates with multiple vehicle, vehicle safety, passive restraint, defensive driving course, anti-theft, and accident-free discounts applied. In this example, the average amount saved each year on car insurance for a company car is 28% or $957.
The information below illustrates how choosing a deductible can affect annual premium costs when getting quotes for cheap insurance for a company car. The data assumes a married male driver, full coverage, and no discounts are factored in.
The data above shows that a 30-year-old driver could cut expenses by $342 a year by switching from a $100 deductible to a $500 deductible, or save $516 by changing to a $1,000 deductible. Younger drivers, like the 20-year-old, can cut up to $1,026 each year by using higher deductibles when buying full coverage. If you do raise deductibles, it is essential to have enough spare savings to be able to pay the extra out-of-pocket expense that deters many people from opting for higher deductibles.
Choosing a high-quality auto insurance provider can be difficult considering how many companies there are in Chula Vista. The company rank data displayed below could help you analyze which insurers to look at buying from.
These ratings include companies with a nationwide focus, so companies that have a smaller presence are not factored into this list. If you’d like to compare prices from the insurers below and more, just click here.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
How to find budget-friendly insurance for a company car
Lowering your rates is not difficult, and here are some of the better penny-pinching solutions that can help Chula Vista drivers locate low-cost auto insurance.
- Try to not file small claims
- Accident-free drivers may qualify for discounts
- Increase the comprehensive and collision deductibles on your policy
- On older vehicles, drop full coverage
- Serious violations like DUI or reckless driving can increase rates dramatically
- Shop around for cheaper rates regularly
The final tip is extraordinarily significant, as we emphasized in this write-up. Car insurance prices in Chula Vista fluctuate constantly, so don’t be hesitant to switch carriers if a better rate can be found. Many consumers stick with the same company and that’s fine, but it isn’t a good idea if it’s costing you big bucks every year. Take a couple minutes and shop around and find cheaper insurance for a company car.