Do you need a better way to compare the cheapest car insurance rates in Chula Vista, CA? Chula Vista shoppers have many options when shopping for low-cost Mazda 6 insurance. You can either spend your time struggling with agents getting price quotes or utilize the internet to make rate comparisons. There is a better way to buy car insurance and we’ll show you the best way to get price quotes for a new or used Mazda and obtain the lowest possible price from Chula Vista insurance agents and online providers.
It goes without saying that auto insurance companies want to keep your business as long as possible. Consumers who shop around for cheaper prices will most likely switch to a new company because there is a good probability of finding lower prices. A survey found that drivers who compared rate quotes regularly saved about $72 a month compared to people who didn’t regularly shop around.
If finding discount rates on insurance in Chula Vista is your ultimate objective, then having some knowledge of how to shop and compare cheaper coverage can save time, money, and frustration.
It is always a good idea to compare rates before your policy renews due to the fact that insurance prices fluctuate regularly. Despite the fact that you may have had the lowest price on Mazda 6 insurance in Chula Vista two years ago you will most likely find a better rate today. Ignore everything you know about car insurance because we’re going to demonstrate the only way to properly buy coverages while reducing your premium.
Low Cost auto insurance in Chula Vista, CA
The providers in the list below offer price comparisons in California. If you want to find cheap auto insurance in Chula Vista, we suggest you visit several of them to get the most competitive price.
Coverage statistics and figures
The premium table displayed below outlines detailed analysis of insurance rates for Mazda 6 models. Having a good grasp of how auto insurance policy rates are calculated can be valuable when making informed decisions when comparing rate quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 6 I Sport 4-Dr Sedan | $252 | $426 | $456 | $26 | $136 | $1,296 | $108 |
| 6 I SV 4-Dr Sedan | $252 | $426 | $456 | $26 | $136 | $1,296 | $108 |
| 6 I Touring 4-Dr Sedan | $252 | $426 | $456 | $26 | $136 | $1,296 | $108 |
| 6 I Touring Plus 4-Dr Sedan | $286 | $426 | $456 | $26 | $136 | $1,330 | $111 |
| 6 I Touring Plus 4-Dr Sedan | $286 | $426 | $456 | $26 | $136 | $1,330 | $111 |
| 6 I Grand Touring 4-Dr Sedan | $286 | $502 | $456 | $26 | $136 | $1,406 | $117 |
| 6 S Touring Plus 6 Cyl 4-Dr Sedan | $286 | $502 | $456 | $26 | $136 | $1,406 | $117 |
| 6 S Touring Plus 4-Dr Sedan | $286 | $502 | $456 | $26 | $136 | $1,406 | $117 |
| 6 S Grand Touring 4-Dr Sedan | $286 | $502 | $456 | $26 | $136 | $1,406 | $117 |
| 6 S Grand Touring 6 Cyl 4-Dr Sedan | $286 | $502 | $456 | $26 | $136 | $1,406 | $117 |
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Table data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Prices do not factor in the specific area where the vehicle is garaged which can modify premium rates noticeably.
An analysis of deductible level
One of the hardest decisions when shopping for car insurance is how low should you set your deductibles. The rates below may aid in understanding the price difference between low and high policy deductibles. The first rate comparisons uses a $250 deductible for comprehensive and collision coverage and the second set of rates uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 6 I Sport 4-Dr Sedan | $342 | $576 | $442 | $26 | $132 | $1,543 | $129 |
| 6 I SV 4-Dr Sedan | $342 | $576 | $442 | $26 | $132 | $1,543 | $129 |
| 6 I Touring 4-Dr Sedan | $342 | $576 | $442 | $26 | $132 | $1,543 | $129 |
| 6 I Touring Plus 4-Dr Sedan | $386 | $576 | $442 | $26 | $132 | $1,587 | $132 |
| 6 I Touring Plus 4-Dr Sedan | $386 | $576 | $442 | $26 | $132 | $1,587 | $132 |
| 6 I Grand Touring 4-Dr Sedan | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| 6 S Touring Plus 6 Cyl 4-Dr Sedan | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| 6 S Touring Plus 4-Dr Sedan | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| 6 S Grand Touring 4-Dr Sedan | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| 6 S Grand Touring 6 Cyl 4-Dr Sedan | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 6 I Sport 4-Dr Sedan | $278 | $464 | $442 | $26 | $132 | $1,342 | $112 |
| 6 I SV 4-Dr Sedan | $278 | $464 | $442 | $26 | $132 | $1,342 | $112 |
| 6 I Touring 4-Dr Sedan | $278 | $464 | $442 | $26 | $132 | $1,342 | $112 |
| 6 I Touring Plus 4-Dr Sedan | $314 | $464 | $442 | $26 | $132 | $1,378 | $115 |
| 6 I Touring Plus 4-Dr Sedan | $314 | $464 | $442 | $26 | $132 | $1,378 | $115 |
| 6 I Grand Touring 4-Dr Sedan | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| 6 S Touring Plus 6 Cyl 4-Dr Sedan | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| 6 S Touring Plus 4-Dr Sedan | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| 6 S Grand Touring 4-Dr Sedan | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| 6 S Grand Touring 6 Cyl 4-Dr Sedan | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Prices do not factor in vehicle garaging location which can increase or decrease rates substantially.
We can estimate from the data above that using a $250 deductible could cost the average driver approximately $18 more each month or $216 each year averaged for all 6 models than requesting the higher $500 deductible. Because you would pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you tend to average at a minimum 14 months between claims, you would more than likely save some money if you choose the higher deductible.
The example below highlights how deductible choice and can affect Mazda 6 insurance costs for each age group. The premiums assume a married male driver, full coverage, and no additional discounts are factored in.
Impact of citations and accidents on insurance rates
The example below demonstrates how traffic citations and at-fault accidents drive up Mazda 6 car insurance rates for different age groups. The costs are based on a single female driver, full coverage, $1,000 deductibles, and no discounts are applied to the premium.
Full coverage versus liability only rates
The illustration below shows the comparison of Mazda 6 auto insurance costs with full physical damage coverage and with liability coverage only. The information is based on no claims or driving citations, $100 deductibles, marital status is single, and no discounts are factored in.
When to drop comp and collision
There is no definitive rule of when to drop comprehensive and collision coverage on your policy, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is more than 10% of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.
For example, let’s assume your Mazda 6 replacement cost is $9,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $8,000 after paying your policy deductible. If you are paying over $800 annually for your policy with full coverage, then it could be time to drop full coverage.
There are some situations where buying only liability insurance is not a good plan. If you still have a lienholder on your title, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should not drop full coverage.
Discount Chula Vista car insurance quotes
Car insurance is expensive, but you can get discounts to help bring down the price. Some discounts will apply when you purchase, but occasionally some discounts must be asked for in order for you to get them.
- Defensive Driving Course – Taking a course teaching defensive driving skills is a good idea and can lower rates and also improve your driving technique.
- Passive Restraint Discount – Vehicles equipped with air bags or motorized seat belts may get savings of 20% or more.
- Multiple Cars – Purchasing coverage when you have primary and secondary vehicles on one policy can get a discount for every vehicle.
- Discount for Low Mileage – Low mileage vehicles may enable drivers to earn slightly better car insurance rates than normal.
- Pay Upfront and Save – By paying your policy upfront instead of monthly or quarterly installments you can avoid monthly service charges.
- Braking Control Discount – Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more on 6 insurance in Chula Vista.
- Mature Driver Discount – Drivers over the age of 55 are able to get a slight reduction on a Chula Vista car insurance quote.
- Life Insurance – Select insurance carriers reward you with a discount if you purchase life insurance.
- Seat Belt Usage – Using a seat belt and requiring all passengers to use their safety belts could cut 10% or more off PIP or medical payments premium.
- Paperwork-free – Some insurance companies provide a small discount for buying your policy on their website.
Don’t be surprised that some of the credits will not apply to the entire policy premium. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like you can get free auto insurance, you aren’t that lucky.
The information below shows the difference between Mazda 6 auto insurance rates with and without policy discounts. The information is based on a male driver, no claims, a clean driving record, California state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, multi-car, safe-driver, marriage, and claim-free discounts applied.
To view insurers who offer car insurance discounts in California, click here to view.
Reduce Insurance Rates with These Tips
Lots of factors are used when quoting car insurance. A few of the factors are predictable such as your driving record, although some other factors are less obvious such as your marital status or your vehicle rating.
The following are some of the most rate-impacting factors companies use to determine your premiums.
- Single drivers take more risk – Having a wife or husband can get you a discount on your car insurance policy. Having a significant other demonstrates that you tend to be more mature and statistics show married drivers tend to have fewer serious accidents.
- Rural areas have lower rates – Choosing to live in less populated areas of the country has it’s advantages when insuring your vehicles. Less people translates into fewer accidents in addition to lower liability claims. Residents of big cities have to deal with congested traffic and higher rates of accident claims. Spending more time driving means higher likelihood of an accident.
- Insurance companies don’t like frequent insurance claims – If you frequently file small claims, you can look forward to either policy cancellation or increased premiums. Companies in California generally give most affordable rates to insureds who do not file claims often. Insurance coverage is meant to be used in the event of more catastrophic claims.
- Does your occupation raise your prices? – Did you know your car insurance rates can be affected by your occupation? Careers such as fire fighters, air traffic controllers, and miners have higher premiums than the average policyholder in part from intense work situations and long work hours. On the other hand, jobs like actors, students and retirees have the lowest average rates.
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Insurance loss probability for a Mazda 6 – Companies analyze historical claim data when they file their rates in each state. Vehicles that the statistics show to have high amounts or severity of claims will have higher rates for specific coverages.
The table below shows the historical loss data for Mazda 6 vehicles. For each policy coverage type, the statistical loss for all vehicles, without regard to make or model, is considered to be 100. Values below 100 imply a favorable loss record, while numbers that are greater than 100 indicate higher probability of having a loss or statistically larger claims.
Mazda 6 Insurance Claim Statistics Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Mazda 6 99 92 112 94 98 94 BETTERAVERAGEWORSEStatistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
There’s no such thing as the perfect insurance policy
When it comes to adequate coverage for your vehicles, there is no “perfect” insurance plan. You are unique.
For example, these questions can help discover whether your personal situation may require specific advice.
- If I use my vehicle for business use is it covered?
- Do I have newly-acquired coverage?
- Are rock chip repairs covered?
- Do I have coverage if my license is suspended?
- When should I have rental car coverage?
- Should I sign the liability waiver when renting a car?
- Should I get collision insurance on every vehicle?
- Do I need more liability coverage?
If it’s difficult to answer those questions, you may need to chat with an agent. If you don’t have a local agent, fill out this quick form. It is quick, free and you can get the answers you need.
Shop online but buy locally
Some people would prefer to go talk to an agent and there is nothing wrong with that. Most agents can make sure you are properly covered and give you someone to call. An additional benefit of getting free rate quotes online is the fact that drivers can get lower rates and still have an agent to talk to.
To make it easy to find an agent, after completing this form (opens in new window), the coverage information is emailed to local insurance agents who will give you quotes to get your business. It simplifies rate comparisons since you won’t have to leave your computer as quotes are delivered to you. If you want to quote rates from a specific company, you would need to jump over to their website and complete a quote there.
Finding the right insurer should depend on more than just a cheap price quote. Here are some questions to ask:
- Are aftermarket or OEM parts used to repair vehicles?
- If your car is in the repair shop, do you have coverage for a rental car?
- What insurance companies do they work with in Chula Vista?
- How are they compensated?
- Is there a local claims center in Chula Vista?
The difference between Chula Vista auto insurance agents
If you are wanting to find a good insurance agency, you must know there are a couple different types of agencies that differ in how they can insure your vehicles. Agents in Chula Vista are either exclusive agents or independent agents. Both types of agents can write insurance policies, but we need to point out why they differ since it may influence the kind of agent you use.
Exclusive Agencies
Exclusive insurance agents normally can only provide a single company’s rates and examples are AAA, Allstate, State Farm, or Farmers Insurance. Exclusive agents cannot provide prices from multiple companies so they have to upsell other benefits. They are well trained on their company’s products which helps them compete with independent agents. Some consumers prefer to purchase coverage from exclusives mostly because of the brand legacy rather than having the cheapest rates.
Below is a list of exclusive agencies in Chula Vista willing to provide comparison quotes.
- Allstate Insurance: Steven F Hovland
88 Bonita Rd Ste D – Chula Vista, CA 91910 – (619) 425-9400 – View Map - Mark G Witcher – State Farm Insurance Agent
945 Otay Lakes Rd k – Chula Vista, CA 91913 – (619) 656-4200 – View Map - GEICO Insurance Agent
386 E H St Suite 203 – Chula Vista, CA 91910 – (619) 264-1751 – View Map
Independent Agents (or Brokers)
Agents in the independent channel are not employed by one company so they can quote policies amongst many companies and help determine which has the cheapest rates. If premiums increase, the business is moved internally and you can keep the same agent. When comparing rate quotes, you should always get some free quotes from a few independent agents to get the best comparison. Most also write with different regional companies which can save you money.
Below are Chula Vista independent insurance agencies that can give you comparison quotes.
- Cordova Insurance Agency, Inc.
2260 Main St #8 – Chula Vista, CA 91911 – (619) 585-3470 – View Map - Fletes Insurance and Financial Services
2127 Olympic Pkwy #1006 – Chula Vista, CA 91915 – (619) 616-0037 – View Map - Hoffman Hanono Insurance Agency
2090 Otay Lakes Rd #102 – Chula Vista, CA 91915 – (619) 420-1861 – View Map
If you receive good answers to any questions you have and a low price estimate, it’s possible that you found an auto insurance agent that meets the criteria to service your policy.
You can find cheap coverage
Cheap Mazda 6 insurance in Chula Vista can be bought online and also from your neighborhood Chula Vista agents, so you should be comparing quotes from both to get a complete price analysis. Some car insurance companies do not offer internet price quotes and these regional carriers work with independent agents.
You just read some good ideas how you can reduce Mazda 6 insurance rates online in Chula Vista. The key concept to understand is the more rate comparisons you have, the better chance you’ll have of finding low cost Chula Vista car insurance quotes. You may even find the lowest priced car insurance comes from some of the lesser-known companies.
Consumers who switch companies do it for a variety of reasons including not issuing a premium refund, poor customer service, high rates after DUI convictions or being labeled a high risk driver. It doesn’t matter why you want to switch finding a new company can be less work than you think.
Steps to finding affordable quotes for Mazda 6 insurance in Chula Vista
If your goal is the lowest price, then the best way to find more affordable car insurance rates in Chula Vista is to compare prices annually from companies who provide car insurance in California.
First, take a few minutes and learn about car insurance and the things you can change to keep rates low. Many risk factors that cause high rates like at-fault accidents and an imperfect credit score can be remedied by making minor driving habit or lifestyle changes.
Second, request price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only quote rates from a single company like GEICO or State Farm, while agents who are independent can provide rate quotes for many different companies. Click to view companies
Third, compare the new quotes to the premium of your current policy and see if you can save money. If you find better rates, make sure there is no lapse in coverage.
Fourth, provide written notification to your current company of your decision to cancel the current policy and submit a signed application and payment to the newly selected company. As soon as you can, keep the new certificate of insurance with your registration paperwork.
The key thing to know about shopping around is to try to use the same deductibles and limits on each quote and and to get price quotes from as many car insurance companies as possible. Doing this ensures a fair price comparison and many rates to choose from.
For more information, feel free to visit the following helpful articles:
- Medical Payments Coverage (Liberty Mutual)
- Who Has Cheap Auto Insurance Quotes for Active Military in Chula Vista? (FAQ)
- Who Has Cheap Car Insurance Quotes for High Risk Drivers in Chula Vista? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for Postal Workers in Chula Vista? (FAQ)
- What Auto Insurance is Cheapest for Single Moms in Chula Vista? (FAQ)
- Parking Tips to Reduce Door Dings (State Farm)
- How Much Auto Coverage do I Need? (Insurance Information Institute)
- What is Covered by an Auto Insurance Policy? (Insurance Information Institute)