You have most likely seen the catchy advertisements from car insurance companies like Progressive and GEICO promising enormous savings. So you just need to choose the one with the best commercial, right?
It’s just not that simple, as there are a whole slew of unknown aspects such as your credit rating, if you are a man or woman, the vehicle you drive, and your date of birth, that all impact the price you pay. We know insurance is not everyone’s favorite topic, but in this article we will cover the best ways to shop for cheaper coverage and will hopefully give you a good start in finding the cheapest insurance in Chula Vista.
Finding out which companies have the cheapest auto insurance rates for state employees calls for a little more effort in order to find the lowest price.
Each insurer has their own unique process for setting rates, so let’s look at the rankings for the most affordable auto insurance companies in Chula Vista. It’s a good idea to know that Chula Vista auto insurance rates are determined by lots of factors that control the price of your policy. Simply having a birthday, buying a home, or getting a ticket for careless driving can cause premium changes resulting in some rates now being more affordable than competitors.
Find the Cheapest Car Insurance in California
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,109 |
| 2 | Wawanesa | $1,157 |
| 3 | Century National | $1,214 |
| 4 | Nationwide | $1,226 |
| 5 | CSAA | $1,234 |
| 6 | 21st Century | $1,366 |
| 7 | Grange | $1,477 |
| 8 | Mercury | $1,488 |
| 9 | Allstate | $1,513 |
| 10 | Allied | $1,541 |
| 11 | Progressive | $1,542 |
| 12 | GEICO | $1,575 |
| 13 | The Hartford | $1,639 |
| 14 | MetLife | $1,654 |
| 15 | State Farm | $1,699 |
| 16 | Esurance | $1,705 |
| 17 | Unitrin | $1,733 |
| 18 | Travelers | $1,788 |
| 19 | Bristol West | $1,795 |
| 20 | Farmers | $2,006 |
| Compare Rates Now Go | ||
USAA quotes some of the lowest car insurance rates in Chula Vista at around $1,109 a year. Wawanesa, Century National, Nationwide, and CSAA also qualify as some of the most economical Chula Vista, CA insurance companies.
In the above rates, if you are insured with Nationwide and switched to USAA, you could realize an annual premium reduction of in the vicinity of $117. Drivers with CSAA could save as much as $125 a year, and 21st Century customers might lower prices by up to $257 a year.
To see if you’re overpaying, click here to start your custom quote or click through to the companies below.
It’s important to note that these estimates are averaged across all types of drivers and the different vehicles they drive and and are not calculated with a specific zip code for state employees. So the car insurance company that is best suited for you may not even be in the top 24 companies in the list above. That’s why you need to compare as many prices as possible using your own personalized driver profile and vehicle information.
The type of vehicle needing coverage is one of the largest considerations when quoting affordable auto insurance for state employees. Vehicles with limited speed and performance, an excellent safety record, or low incidents of liability claims will cost quite a bit less to insure than high performance models.
The table below features car insurance costs for a selection of the most affordable automobiles to buy insurance for.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 2WD | $788 |
| Ford Escape XLT 4WD | $880 |
| Honda Accord LX 4-Dr Sedan | $888 |
| Toyota Tacoma Double Cab TRD Sport Package 4WD | $950 |
| Ford Edge SE 2WD | $978 |
| Toyota Corolla LE | $984 |
| Honda Odyssey EX-L W/Rear Entertainment | $991 |
| Toyota Prius | $986 |
| Chevrolet Silverado 2500HD LT Crew Cab 4WD | $1,000 |
| Ford Explorer Eddie Bauer 2WD | $1,002 |
| Chevrolet Equinox LT AWD | $1,020 |
| Jeep Grand Cherokee Laredo 4WD | $1,030 |
| Volkswagen Jetta LE 4-Dr Sedan | $1,020 |
| Jeep Wrangler Unlimited Rubicon 4WD 4-Dr | $1,028 |
| Chevrolet Impala LS | $1,037 |
| Ford F-150 FX4 Super Cab 4WD | $1,040 |
| Dodge Grand Caravan Crew | $1,049 |
| Compare Cheap Rates Go | |
Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Estimates do not factor in vehicle location which can lower or raise prices significantly.
Based upon these rates, cars like the Honda CR-V, Ford Escape, and Honda Accord will definitely be some of the cheapest vehicles to insure for state workers.
One of the many factors that are used to help calculate the amount you pay for auto insurance is where your residence is in Chula Vista. Areas with more people or even just a higher incidence of claims tend to have higher auto insurance costs, whereas areas with less crime or weather claims benefit from lower coverage costs.
The next table lists the most expensive places in California for state employees to buy car insurance in. Chula Vista makes the list at #25 with the annual price of $1,337 for the average insured, which is about $111 per month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Los Angeles | $2,168 |
| 2 | Glendale | $2,079 |
| 3 | San Francisco | $1,763 |
| 4 | Oakland | $1,738 |
| 5 | Sacramento | $1,652 |
| 6 | San Bernardino | $1,644 |
| 7 | Long Beach | $1,626 |
| 8 | Santa Clarita | $1,595 |
| 9 | Stockton | $1,588 |
| 10 | Moreno Valley | $1,536 |
| 11 | Fontana | $1,535 |
| 12 | Garden Grove | $1,508 |
| 13 | Fresno | $1,502 |
| 14 | Riverside | $1,497 |
| 15 | Modesto | $1,487 |
| 16 | Santa Ana | $1,483 |
| 17 | Anaheim | $1,430 |
| 18 | Fremont | $1,403 |
| 19 | Irvine | $1,384 |
| 20 | Bakersfield | $1,381 |
| Find Cheaper Insurance Go | ||
Rates are estimated as the vehicle garaging location can change prices considerably.
Cost difference between full coverage and liability
Reducing the cost of auto insurance is probably important to most drivers, and one of the best ways to find cheap insurance for state employees is to only pay for liability coverage. The chart below illustrates the difference between insurance premiums with full physical damage coverage and with liability coverage only. The prices are based on no driving violations, no at-fault accidents, $250 deductibles, single status, and no additional discounts are factored in.
Averaged out for all age groups, physical damage coverage costs an additional $2,558 per year more than insuring for liability only. At some point, every insured wonders if full coverage is worth the money. There is no set rule for eliminating full coverage on your policy, but there is a general convention. If the yearly cost of comp and collision coverage is about 10% or more of any settlement you would receive from your insurance company, then it could be time to drop full coverage.
For example, let’s assume your vehicle’s settlement value is $5,500 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would receive is $4,500 after paying your deductible. If premium cost is more than $450 annually for physical damage coverage, then you may need to consider dropping full coverage.
There are some cases where buying only liability insurance is not recommended. If you have an outstanding loan on your vehicle, you have to maintain full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should not buy liability only.
Choosing a high-quality car insurance provider can be rather challenging considering how many companies sell insurance in Chula Vista. The ranking information shown next may help you analyze which car insurance companies to look at purchasing a policy from. The ratings below are for large nationwide companies, so companies without a large exposure are not taken into consideration for the list.
| 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 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Low rates can quickly become overpriced
California auto insurance rates are impacted by many factors that may substantially change the policy price. Simply improving your credit, buying another vehicle, or getting a reckless driving citation can trigger changes in premium that can make some companies more affordable than before.
Additionally, companies file new California auto insurance rates as often as every quarter in order to be able to pay unexpected claims. Significantly higher claims can result in high rates, while lower claim expenses may produce cheaper Chula Vista car insurance rates.
To illustrate this point, the bar chart below analyzes the cheapest car insurance in Chula Vista, CA for a 35-year-old female driver with no prior accidents, a clean driving record, and good credit. Based on her current situation, USAA might quote the most affordable car insurance rates in Chula Vista at $1,155 each year. This is $496 less than the average policy premium paid by California drivers of $1,651. Century National, Wawanesa, CSAA, and Nationwide are also included in the cheapest Chula Vista, CA auto insurance companies.
Now let’s give the driver in the first example a claim surcharge, a lower credit score, and a few traffic violations. Since each company uses a different method to determine rates, getting updated rate quotes could result in a different list of affordable companies as shown below.
Grange now has the cheapest rate in Chula Vista, CA with Progressive, Allied, Allstate, and Mercury completing the list. This example illustrates why it is critical to spend some time comparing rates when trying to get the best auto insurance quotes for state employees. Rates are determined by many risk factors and change substantially, so the best company the last time you shopped your coverage around may now be an over-priced policy.
How to find low-cost insurance for state employees
Lowering your rates is not difficult, and here are many thrifty suggestions that can help Chula Vista drivers get cheaper car insurance.
- Vehicles with good safety ratings are usually cheaper to insure
- Improve your credit score
- Prevent rate increases by staying accident-free
- Try to pay small claims out-of-pocket
- Be a cautious driver
- Shop around for cheaper rates regularly
The last tip in the list is notably vital, as was discussed in this write-up. Prices charged by companies in Chula Vista fluctuate constantly, so drivers shouldn’t hesitate to change to a new company if a better rate can be found.
Many drivers have brand loyalty and that’s fine, but it’s not a good idea if that loyalty ends up costing several hundred dollars every year. It only take a few minutes to compare rates and find cheaper car insurance for state employees.
The insurance agencies listed below can most likely help you decide which auto insurance policy would work best for you, as some drivers wish to have a consultation when comparing insurance rates for state workers. It’s not always simple to find the best rates on your own, and agents can give comfort knowing you have suitable coverage if you have an accident. To find an agent nearest to you, click the link at the bottom or click here to compare price quotes.
- Daylight Insurance Brokerage
900 Lane Ave #128 – Chula Vista, CA 91914 – (619) 240-7164 - Areli’s Insurance Services
1010 Broadway #7 – Chula Vista, CA 91911 – (619) 409-1690 - State Farm: Cynthia Stojeba
46 3rd Ave B – Chula Vista, CA 91910 – (619) 425-1403 - Allstate Insurance: Alfredo Contreras
2318 Proctor Valley Rd #102 – Chula Vista, CA 91914 – (619) 505-2040