The words “affordable” and “insurance” probably shouldn’t be used in the same sentence, specifically when looking for the best coverage prices for government employees. Because it’s so expensive, let’s go over a few of the things that significantly impact insurance rates, and come up with some ideas to reduce the cost of your next policy.
Determining which companies have the cheapest auto insurance rates for government employees will involve more time in order to find the most economical policy. Each auto insurance company has their own formula for filing rates in each state, so let’s look at the rankings for the lowest cost auto insurance companies in Chula Vista, CA.
Keep in mind that Chula Vista auto insurance rates are impacted by many factors that will increase or decrease the price you pay for coverage. Getting older, buying a different home, or getting a DUI can produce rate changes that may make certain companies more affordable than competitors.
Find the Best Cheap Insurance in California
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,155 |
| 2 | Wawanesa | $1,181 |
| 3 | Nationwide | $1,213 |
| 4 | Century National | $1,214 |
| 5 | CSAA | $1,234 |
| 6 | 21st Century | $1,379 |
| 7 | Grange | $1,477 |
| 8 | Mercury | $1,533 |
| 9 | Progressive | $1,542 |
| 10 | Allstate | $1,559 |
| 11 | GEICO | $1,575 |
| 12 | Allied | $1,588 |
| 13 | The Hartford | $1,591 |
| 14 | MetLife | $1,606 |
| 15 | State Farm | $1,699 |
| 16 | Unitrin | $1,699 |
| 17 | Esurance | $1,739 |
| 18 | Bristol West | $1,795 |
| 19 | Travelers | $1,806 |
| 20 | Farmers | $2,026 |
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USAA has some of the lowest car insurance rates in Chula Vista at around $1,155 each year. This is $496 less than the average policy premium paid by California drivers of $1,651. Wawanesa, Nationwide, Century National, and CSAA would also make the list of some of the most economical Chula Vista, CA auto insurance companies.
As illustrated above, if you are insured with Nationwide and switched to USAA, you may see yearly savings of about $58. California drivers with Century National could save as much as $59 a year, and CSAA customers might cut rates by $79 a year.
Bear in mind that those estimates are averages across all ages of drivers and types of vehicles and do not take into consideration a specific location for government employees. So the company that can offer you the lowest price may not even be in the list above. That helps illustrate why you need to quote rates from as many companies as possible using your own driver data and vehicle information.
One of the more important considerations that aid in calculating insurance cost is where your residence is in Chula Vista. Areas with a lot of weather claims or more people tend to pay slightly more, whereas areas with fewer weather claims and lower vehicle theft rates tend to receive cheaper rates.
The illustration below sorts the most expensive cities in California for government employees to buy an auto insurance policy in. Chula Vista shows up at #25 with a yearly premium of $1,298 for the average insurance policy, which is about $108 per month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Los Angeles | $2,168 |
| 2 | Glendale | $2,121 |
| 3 | Sacramento | $1,720 |
| 4 | Oakland | $1,704 |
| 5 | San Francisco | $1,693 |
| 6 | San Bernardino | $1,628 |
| 7 | Long Beach | $1,610 |
| 8 | Garden Grove | $1,554 |
| 9 | Moreno Valley | $1,551 |
| 10 | Riverside | $1,542 |
| 11 | Stockton | $1,541 |
| 12 | Santa Clarita | $1,533 |
| 13 | Fontana | $1,519 |
| 14 | Modesto | $1,487 |
| 15 | Santa Ana | $1,483 |
| 16 | Anaheim | $1,474 |
| 17 | Fresno | $1,457 |
| 18 | Huntington Beach | $1,416 |
| 19 | Fremont | $1,403 |
| 20 | Bakersfield | $1,394 |
| 21 | San Jose | $1,381 |
| 22 | Irvine | $1,371 |
| 23 | Oxnard | $1,358 |
| 24 | San Diego | $1,327 |
| 25 | Chula Vista | $1,298 |
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Rates are approximated as specific Chula Vista zip code can revise insurance rates greatly.
The vehicle model to be insured is probably the biggest factor when comparing economical car insurance for government employees. Vehicles with limited top-end speed, advanced safety features, or a positive history of liability claims will cost significantly less to insure than adrenaline junky models.
The data below estimates car insurance rates for some of the more affordable vehicles to insure.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 2WD | $776 |
| Honda CR-V EX-L 4WD | $794 |
| Toyota Tacoma 2WD | $902 |
| Chevrolet Equinox LT AWD | $920 |
| Jeep Wrangler Sport 4WD 2-Dr | $924 |
| Kia Optima LX | $986 |
| Honda Accord LX-S 2-Dr Coupe | $1,034 |
| Nissan Rogue SL AWD | $1,040 |
| Toyota RAV4 Sport 4WD | $1,054 |
| Dodge Grand Caravan Hero | $1,059 |
| Toyota Prius | $1,056 |
| Dodge Ram 3500 Mega Cab Laramie 2WD | $1,068 |
| Ford Explorer Limited 4WD | $1,072 |
| Ford Edge Limited 2WD | $1,104 |
| Chevrolet Impala LS | $1,111 |
| Find Cheaper Rates Go | |
Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Information does not factor in specific location which can alter coverage rates substantially.
Looking at the rates, we can assume that vehicles like the Ford Escape, Honda CR-V, and Toyota Tacoma are most likely going to be the more affordable vehicles to insure for state and federal workers.
Get discount Chula Vista insurance
Car insurance companies that offer cheap quotes for government employees may have policy discounts that could lower prices by as much as 25% or more if you meet the requirements. A few of the larger companies and a partial list of their discounts are detailed below.
- State Farm may include discounts for good driver, accident-free, passive restraint, Drive Safe & Save, good student, and multiple autos.
- GEICO offers discounts for good student, anti-lock brakes, multi-policy, air bags, emergency military deployment, daytime running lights, and membership and employees.
- SAFECO includes discounts for anti-theft, multi-car, teen safety rewards, bundle discounts, safe driver, and homeowner.
- Farmers Insurance may have discounts that include pay in full, mature driver, homeowner, electronic funds transfer, alternative fuel, business and professional, and teen driver.
- AAA has discounts for pay-in-full, multi-policy, education and occupation, good student, AAA membership discount, and anti-theft.
- USAA offers premium reductions for multi-vehicle, loyalty savings, new vehicle, annual mileage, vehicle storage, and defensive driver.
The information below illustrates the comparison of annual premium costs with and without some available policy discounts. The prices are based on a female driver, no claims or driving citations, California state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with accident-free, anti-theft, vehicle safety, homeowner, marriage, and passive restraint discounts applied. With discounts applied, theaverage amount saved on auto insurance for government employees is 28% or $747.
Does it make sense to buy full coverage?
Finding cheaper auto insurance is important to most people, and one way to find cheap insurance for government employees is to not pay for full coverage. The information below visualizes the comparison of premium costs when comparing full coverage to liability only. The prices are based on no violations or claims, $1,000 deductibles, marital status is single, and no other discounts are factored in.
If we average all the age groups together, full coverage costs $2,467 per year more than insuring for liability only. Many people question if it’s worth it to buy full coverage. There is no specific rule of when to eliminate physical damage coverage, but there is a broad guideline. If the yearly cost of comp 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.
There are some circumstances where dropping physical damage coverage is not a good idea. If you haven’t satisfied your loan, you are required to maintain full coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should keep full coverage.
The auto insurance agents in Chula Vista shown below can aid you in deciding which car insurance policy is best, as some people have coverage questions and would like to have some professional guidance when buying car insurance for government employees. It can be hard to do it yourself, so insurance agents licensed in the state of California can give you peace of mind knowing your coverage gives you enough protection. To locate a Chula Vista insurance agent in your neighborhood, click the button below the list or click here to compare price quotes.
Allstate Insurance: Jorge Zayas
1750 E Palomar St Ste 5 – Chula Vista, CA 91913 – (619) 656-8828
Penagos Insurance
1680 Broadway – Chula Vista, CA 91911 – (619) 691-1071
Joaquin Alvarez – State Farm Insurance Agent
240 F St – Chula Vista, CA 91910 – (619) 425-1216
Joe Finch – State Farm Insurance Agent
3060 Bonita Rd #101a – Chula Vista, CA 91910 – (619) 569-2220
View map of Chula Vista, CA insurance agents
How to find the cheapest car insurance for government employees
It’s not impossible to find cheaper rates, and here are a few penny-pinching ideas that can help drivers buy more affordable car insurance.
- Increase your physical damage deductibles
- Multi-policy discounts save money
- Do not get traffic violations
- Earn a discount by not filing claims
- Drive attentively and avoid accidents
- Improve your credit rating
- Ensure you have the best deal by shopping around regularly
The last idea is highly crucial, as we hit on in the prior article. Auto insurance rates can change considerably in a year, so don’t be unwilling to switch companies if a cheaper rate is available. Having a favorite company is fine, but is isn’t recommended if that devotion results in you overpaying a considerable chunk of change every month. If you have a few minutes, shop around and find cheaper car insurance for government employees in Chula Vista.