Sadly, the vast majority of drivers have purchased from the same company for well over three years, and about 40% of consumers have never compared rate quotes at all. Most drivers in Chula Vista could pocket up to 35% a year just by comparing rates, but they don’t understand how simple it is to find cheap insurance by shopping around.
If saving money is your primary concern, then the best way to get discount auto insurance rates is to start comparing prices yearly from insurance carriers who provide car insurance in Chula Vista. Price quotes can be compared by following these steps.
- Step 1: Read and learn about how companies price auto insurance and the modifications you can make to prevent high rates. Many rating factors that result in higher rates like careless driving and a less-than-favorable credit history can be controlled by making minor driving habit or lifestyle changes. Continue reading for more ideas to find cheap prices and get bigger discounts that may have been overlooked.
- Step 2: Request price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only quote rates from one company like GEICO or Allstate, while independent agents can quote rates for a wide range of companies. Start a quote
- Step 3: Compare the new rate quotes to the price on your current policy and see if there is a cheaper rate. If you can save some money and switch companies, make sure coverage does not lapse between policies.
- Step 4: Notify your current company to cancel your current policy and submit a completed policy application and payment to your new agent or company. As soon as coverage is bound, place the new certificate of insurance with your vehicle’s registration.
A crucial key to this process is to try to use the same level of coverage on every quote request and to quote with as many car insurance companies as possible. Doing this enables an apples-to-apples comparison and the best price quote selection.
Informed Consumers Can Lower Their Insurance Premiums
Multiple criteria are part of the calculation when quoting car insurance. Some are obvious like your driving record, but other criteria are less apparent like your continuous coverage or your financial responsibility.
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Younger drivers cost more – Older drivers are viewed as being more responsible, statistically cause fewer accidents, and receive fewer citations. Young drivers have a tendency to be easily distracted when behind the wheel so they pay higher car insurance rates.
The chart below is based on a single driver, full coverage with $500 deductibles, and no discounts or violations.
- Too many policy claims drive up rates – Car insurance companies in California award most affordable rates to drivers who are not frequent claim filers. If you tend to file frequent claims, you can expect either policy cancellation or increased premiums. Insurance coverage is meant to be used in the event of the large, substantial claims.
- Small coverages can add up – Policies have extra add-on coverages that can add up on your VUE policy. Things like coverage for rental cars, towing coverage, and extra life insurance coverage may not be needed and are just wasting money. You may think they are a good idea when discussing your needs, but if you don’t need them get rid of them and save.
- Pay more if you have a long commute – Living in a rural area is a positive aspect when it comes to car insurance. Less people living in that area translates into fewer accidents in addition to fewer liability claims. Drivers in populated California areas regularly have more road rage incidents and more severe claims. More time commuting means higher likelihood of an accident.
Just keep in mind that having more price comparisons increases the chance that you will find more affordable insurance.
The auto insurance companies shown below have been selected to offer free rate quotes in California. In order to find cheaper car insurance in CA, we recommend you get prices from several of them in order to find the most competitive rates.
Insurance statistics and figures
The coverage table shown below highlights estimates of policy rates for Saturn VUE models. Learning a little about how insurance premiums are determined can help you make smart choices when choosing a car insurance company.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Vue XE 2WD | $202 | $336 | $574 | $34 | $172 | $1,318 | $110 |
| Vue XR 2WD | $202 | $408 | $574 | $34 | $172 | $1,390 | $116 |
| Vue XR-L 2WD | $228 | $408 | $574 | $34 | $172 | $1,416 | $118 |
| Vue XR AWD | $228 | $408 | $574 | $34 | $172 | $1,416 | $118 |
| Vue XR-L AWD | $228 | $482 | $574 | $34 | $172 | $1,490 | $124 |
| Get Your Own Custom Quote Go | |||||||
Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Prices do not factor in specific location which can decrease or increase coverage prices noticeably.
Physical damage deductibles: Should you raise them?
One of the more difficult decisions when buying insurance is where to set your physical damage deductibles. The figures shown below can help you understand the rate fluctuation between high and low policy deductibles. The first data set uses a $100 physical damage coverage deductible and the second set of rates uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Vue XE 2WD | $380 | $564 | $442 | $26 | $132 | $1,569 | $131 |
| Vue XR 2WD | $380 | $686 | $442 | $26 | $132 | $1,691 | $141 |
| Vue XR-L 2WD | $430 | $686 | $442 | $26 | $132 | $1,741 | $145 |
| Vue XR AWD | $430 | $686 | $442 | $26 | $132 | $1,741 | $145 |
| Vue XR-L AWD | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Vue XE 2WD | $278 | $382 | $442 | $26 | $132 | $1,260 | $105 |
| Vue XR 2WD | $278 | $464 | $442 | $26 | $132 | $1,342 | $112 |
| Vue XR-L 2WD | $314 | $464 | $442 | $26 | $132 | $1,378 | $115 |
| Vue XR AWD | $314 | $464 | $442 | $26 | $132 | $1,378 | $115 |
| Vue XR-L AWD | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Estimates do not factor in vehicle garaging location which can change price quotes substantially.
Based on this data, we can arrive at the conclusion that using a $100 deductible costs an average of $29 more each month or $348 every year across all Saturn VUE models than quoting the higher $500 deductible. Because you would be required to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you tend to average at a minimum 14 months between claim filings, you would save more money if you choose the higher deductible.
Saturn VUE insurance costs by age and gender
The illustration below illustrates the difference between Saturn VUE yearly insurance costs for male and female drivers. The rate quotes are based on no tickets, no at-fault accidents, full coverage, $1,000 deductibles, marital status is single, and no discounts are factored in.
Three reasons auto insurance is important
Despite the high cost of buying insurance for a Saturn VUE in Chula Vista, auto insurance is most likely required but also gives you several important benefits.
- Almost all states have mandatory liability insurance requirements which means the state requires a minimum amount of liability insurance coverage in order to be legal. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If your Saturn has a lienholder, almost every bank will require you to buy insurance to protect their interest in the vehicle. If you do not keep the policy in force, the bank may insure your Saturn at a significantly higher premium and force you to pay for the much more expensive policy.
- Auto insurance protects both your assets and your vehicle. It also can pay for medical expenses for both you and anyone you injure as the result of an accident. As part of your policy, liability insurance also pays expenses related to your legal defense if you cause an accident and are sued. If your car is damaged in a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage minus the deductible amount.
The benefits of insuring your VUE outweigh the cost, particularly if you ever have a claim. Today the average American driver is overpaying more than $750 every year so you should quote and compare rates once a year at a minimum to ensure rates are competitive.
Lower rates by qualifying for discounts
Properly insuring your vehicles can get expensive, but you may qualify for discounts that many consumers don’t even know exist. Certain credits will be shown when you purchase, but less common discounts must be asked about before being credited.
- Life Insurance – If the company offers life insurance, you could get better insurance rates if you take out a life policy as well.
- College Student – College-age children living away from Chula Vista attending college and do not take a car to college can be insured at a reduced rate.
- Defensive Driving Course – Taking part in a defensive driver class could earn you a small percentage discount depending on where you live.
- Service Members Pay Less – Having a family member in the military could trigger a small discount.
- Claim Free – Drivers with accident-free driving histories get the best insurance rates when compared to accident-prone drivers.
- E-sign Discounts – Some insurance companies will provide an incentive shop Chula Vista auto insurance digitally online.
- Drive Less and Save – Low annual miles could earn better insurance rates on cars that stay parked.
As is typical with insurance, most discounts do not apply to the entire cost. Some only reduce the cost of specific coverages such as medical payments or collision. Despite the appearance that having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.
The information below illustrates the difference between Saturn VUE car insurance costs with and without discounts being applied to the rates. The information is based on a male driver, no accidents or driving violations, California state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, multi-car, multi-policy, homeowner, and claim-free discounts applied.
Large insurance companies and the discounts they provide are detailed below.
- AAA discounts include education and occupation, multi-policy, anti-theft, good student, and good driver.
- Progressive has savings for multi-policy, good student, continuous coverage, online quote discount, and online signing.
- State Farm offers premium reductions for safe vehicle, multiple autos, anti-theft, good student, and accident-free.
- Esurance offers discounts including claim free, online quote, defensive driver, good student, and anti-lock brakes.
- Nationwide has discounts for Farm Bureau membership, good student, family plan, accident-free, multi-policy, easy pay, and anti-theft.
If you need affordable Saturn VUE insurance quotes, ask each company or agent which credits you are entitled to. Some of the discounts discussed earlier may not be available in Chula Vista. To see insurance companies who offer free Saturn VUE insurance quotes in Chula Vista, click here.
Comparing quotes from local Chula Vista insurance agents
Many drivers just prefer to buy from a licensed agent and that is not a bad decision A good thing about comparing car insurance online is the fact that you can find cheaper prices and still buy from a local agent.
To make it easy to find an agent, after completing this quick form, your coverage information is emailed to insurance agents in Chula Vista who will gladly provide quotes to get your business. It’s much easier because you don’t need to find an agent on your own due to the fact that quote results will go immediately to your email address. You can find the lowest rates and a licensed agent to talk to. If you want to get a price quote for a specific company, you can always search and find their rate quote page and complete a quote there.
Choosing an company requires more thought than just a low price. Ask your prospective agent these questions:
- When do they do a full risk review?
- What insurance companies do they recommend if they are an independent agent?
- How are they compensated?
- Will your rates increase after a single accident?
- Will the quote change when the policy is issued?
- Do they feel the quoted coverages are adequate?
- How is replacement cost determined on your vehicle?
Insurance agent types
If you need to find a reliable agent, it can be helpful to understand the different agency structures that differ in how they can insure your vehicles. Car insurance agents can be classified as either independent or exclusive depending on the company they work for.
Exclusive Insurance Agencies
Agents in the exclusive channel have only one company to place business with and examples are Allstate and State Farm. These agents are unable to compare rates from other companies so always compare other rates. Exclusive insurance agents are usually quite knowledgeable on their company’s products which helps them compete with independent agents. Consumers frequently use the same agent primarily because of loyalty to the company rather than low rates.
Listed below are exclusive insurance agents in Chula Vista who may provide you with price quote information.
- Farmers Insurance Group, Julio V. Vega
541 H St – Chula Vista, CA 91910 – (619) 426-0554 – View Map - Hugo Aguilera – State Farm Insurance Agent
629 3rd Ave L – Chula Vista, CA 91910 – (619) 420-3227 – View Map - Carlos Solorzano – State Farm Insurance Agent
1105 Broadway #202 – Chula Vista, CA 91911 – (619) 420-7000 – View Map
Independent Agents
Agents that choose to be independent are normally appointed by many insurers so they have the ability to put coverage with an assortment of companies depending on which coverage is best. To transfer your coverage to a different company, they can switch companies in-house without you having to go to a different agency.
If you need lower rates, you definitely need to get quotes from independent agents for maximum quote selection. Many write coverage with small regional insurance companies that can offer cheaper rates than bigger companies.
Listed below are Chula Vista independent agencies who can help you get price quote information.
- Premier Insurance Services – Chula Vista, CA
1295 Broadway #209 – Chula Vista, CA 91911 – (619) 768-0161 – View Map - Princell Insurance Services
1068 Moonstone Pl – Chula Vista, CA 91913 – (619) 397-5955 – View Map - Applied General Agency / Jake Widmer Insurance
1873 Marquette Rd – Chula Vista, CA 91913 – (619) 852-1013 – View Map
Persistence pays off
Insureds who switch companies do it for a variety of reasons including delays in responding to claim requests, policy cancellation, high rates after DUI convictions and even not issuing a premium refund. Regardless of your reason, finding the right auto insurance provider is less work than it seems.
In this article, we presented some good ideas how you can get a better price on Saturn VUE insurance in Chula Vista. The most important thing to understand is the more providers you compare, the more likely it is that you will get a better rate. You may even be surprised to find that the biggest savings come from some of the smallest insurance companies.
Some insurance companies may not provide the ability to get a quote online and these smaller providers only sell through independent agents. Low-cost Saturn VUE insurance in Chula Vista can be purchased from both online companies and from local insurance agents, so compare prices from both to have the best rate selection.
Much more information about auto insurance in California is available at these links:
- Smart Auto Insurance Tips (Insurance Information Institute)
- Who Has Affordable Chula Vista Auto Insurance for High School Students? (FAQ)
- Who Has Affordable Chula Vista Auto Insurance Rates for 19 Year Olds? (FAQ)
- Who Has Cheap Chula Vista Car Insurance Quotes for a Nissan Rogue? (FAQ)
- Who Has the Cheapest Chula Vista Car Insurance Rates for Low Income Drivers? (FAQ)
- Who Has Cheap Auto Insurance for Drivers with Bad Credit in Chula Vista? (FAQ)
- Who Has Affordable Car Insurance Quotes for Infrequent Drivers in Chula Vista? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for Postal Workers in Chula Vista? (FAQ)
- How Much are Auto Insurance Rates for a Honda CR-V in Chula Vista? (FAQ)
- Who Has the Cheapest Car Insurance Rates for a Ford F-150 in Chula Vista? (FAQ)
- Teen Driver Licensing Information (iihs.org)
- Child Safety Seats (Insurance Information Institute)
- Uninsured Motorists: Threats on the Road (Insurance Information Institute)
- Distracted Driving (Insurance Information Institute)