It’s impossible to miss the captivating commercials from insurers like GEICO and State Farm guaranteeing the cheapest price. So drivers just need to choose the one with the best commercial, right?
Regrettably, it’s not quite that easy, as there are a whole slew of unknowns such as what coverage limits you need, how high your deductibles should be, your date of birth, and if you own your own home, that help determine the price you have to pay. In this article, we will teach you about these factors and others that can influence the price of auto insurance and educate you enough to have a good beginning to your quest for cheaper car insurance.
The type of vehicle requiring insurance is probably the largest consideration that determines whether or not you can buy the best cheap coverage for teenage females. Vehicles with limited speed and performance, modern passenger safety features, or a low likelihood of having liability claims will cost significantly less to insure than high performance models.
The next list showcases coverage premiums for the cheaper automobiles to insure in California.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX-L 4WD | $3,147 |
| Ford Escape Limited 2WD | $3,155 |
| Toyota Prius | $3,366 |
| Honda Odyssey LX | $3,483 |
| Ford Explorer XLT 4WD | $3,511 |
| Volkswagen Jetta SE 2.5 Station Wagon | $3,555 |
| Ford Edge Limited 2WD | $3,674 |
| Dodge Grand Caravan Hero | $3,702 |
| Chevrolet Malibu LS | $3,708 |
| GMC Sierra SLE Regular Cab 2WD | $3,702 |
| Toyota RAV4 Sport 4WD | $3,710 |
| Toyota Tacoma Double Cab TRD Sport Package 4WD | $3,730 |
| Ford F-150 FX2 2WD | $3,739 |
| Ford Focus SEL 4-Dr Sedan | $3,863 |
| Honda Civic LX-S 4-Dr Sedan | $3,873 |
| Hyundai Elantra SE 4-Dr Sedan | $3,891 |
| Chevrolet Impala LTZ | $3,898 |
| Find Cheaper Rates Go | |
Premium data assumes single female driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, and claim-free. Price estimates do not factor in specific Chula Vista, CA garaging location which can decrease or increase premiums considerably.
Based on these rates, you can presume that models like the Honda CR-V, Ford Escape, and Toyota Prius are likely to be some of the more affordable vehicles to insure for teen girls. Rates will be more costly just due to the fact that there is more risk for teenage females, but in general those vehicles will most likely have the cheapest rates compared to all other vehicles.
For teen girls, one of the big criteria that help determine auto insurance rates is where your residence is in Chula Vista. Cities with larger populations tend to pay more, whereas areas with less congestion have the benefit of cheaper car insurance.
The following table lists the most costly cities in California for teenage females in which to buy car insurance. Chula Vista is ranked at #23 with the yearly price of $1,350 on average, which is around $113 monthly.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Glendale | $2,121 |
| 2 | Los Angeles | $2,104 |
| 3 | San Francisco | $1,711 |
| 4 | Sacramento | $1,703 |
| 5 | Oakland | $1,687 |
| 6 | San Bernardino | $1,644 |
| 7 | Long Beach | $1,578 |
| 8 | Stockton | $1,556 |
| 9 | Santa Clarita | $1,548 |
| 10 | Fontana | $1,519 |
| 11 | Garden Grove | $1,508 |
| 12 | Fresno | $1,502 |
| 13 | Modesto | $1,502 |
| 14 | Riverside | $1,497 |
| 15 | Santa Ana | $1,497 |
| 16 | Moreno Valley | $1,491 |
| 17 | Anaheim | $1,488 |
| 18 | San Jose | $1,423 |
| 19 | Huntington Beach | $1,416 |
| 20 | Bakersfield | $1,381 |
| 21 | Fremont | $1,361 |
| 22 | Oxnard | $1,358 |
| 23 | Chula Vista | $1,350 |
| 24 | San Diego | $1,340 |
| 25 | Irvine | $1,330 |
| Find Cheaper Insurance Go | ||
Price information shown is estimated as the specific area where the vehicle is garaged can decrease or increase prices noticeably.
Discount Chula Vista auto insurance rates
Car insurance companies that offer quotes for teenage females may provide premium discounts that could lower prices by 30% or more if you are eligible to receive them. A list of insurance companies and a selection of discounts are outlined below.
- State Farm policyholders can earn discounts including passive restraint, driver’s education, Steer Clear safe driver discount, good student, accident-free, multiple policy, and multiple autos.
- GEICO offers premium reductions for daytime running lights, military active duty, multi-policy, membership and employees, seat belt use, and federal employee.
- Liberty Mutual has discounts for newly retired, multi-policy, newly married, new graduate, exclusive group savings, and hybrid vehicle.
- The Hartford may have discounts that include defensive driver, driver training, vehicle fuel type, anti-theft, good student, air bag, and bundle.
- MetLife offers discounts including good driver, good student, accident-free, multi-policy, defensive driver, and claim-free.
- Progressive includes discounts for multi-policy, online signing, online quote discount, continuous coverage, homeowner, and multi-vehicle.
The information below visualizes the comparison of insurance prices with and without policy discounts. The information is based on a male driver, no claims or violations, California state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second bar shows the rates with paperless filing, vehicle safety, continuous coverage, passive restraint, anti-theft, and good student discounts applied. With discounts applied, theaverage yearly reduction on insurance for teenage females is 28% or $918.
Best insurance company in Chula Vista
Insuring your vehicle with a highly-rated auto insurance provider can be rather challenging considering how many different companies insure vehicles in California. The company information shown below can help you select which auto insurance companies you want to consider comparing price quotes from.
These rankings only include companies that write coverage in many states, so smaller companies that only insure vehicles in California are not factored into this list. To compare prices from these and other companies in California, follow this link.
Top 10 Major Auto Insurers Overall in Chula Vista
- USAA
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
The diagram below shows how different deductible levels can change annual premium costs when searching for cheap insurance for teenage females. The information is based on a single male driver, comprehensive and collision coverage, and no policy discounts are applied.
A 30-year-old driver could save $568 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $856 by selecting a $1,000 deductible. Even younger drivers, like the Age 20 category, could roll back prices as much as $1,674 annually just by using higher deductibles.
When using a larger deductible, it is necessary to have emergency funds available to offset the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.