It’s an obvious statement that insurance companies want to keep you from shopping around. Consumers who get comparison quotes once a year are very likely to switch auto insurance companies because they have good chances of finding more affordable rates. A recent survey revealed that drivers who routinely shopped around saved approximately $3,400 over four years compared to other drivers who never shopped around for lower prices.
If finding the cheapest price for Chevy City Express insurance in Chula Vista is your ultimate objective, then having an understanding of the best way to compare coverage rates can save time and money.
The best way we recommend to find affordable quotes for Chevy City Express insurance is to do an annual price comparison from providers who provide car insurance in Chula Vista.
- Spend some time learning about individual coverages and the changes you can make to lower rates. Many risk factors that result in higher prices like traffic citations, accidents, and a substandard credit score can be improved by making small lifestyle or driving habit changes.
- Quote rates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can give quotes from a single company like GEICO and State Farm, while agents who are independent can provide rate quotes from multiple insurance companies.
- Compare the new rate quotes to your current policy premium to determine if switching companies saves money. If you find a better price and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Provide adequate notice to your current company of your intention to cancel your current auto insurance policy and submit the completed application along with a down payment to your new agent or company. Once coverage is bound, put the certificate of insurance with your vehicle’s registration.
A key point to remember is to use the same physical damage deductibles and liability limits on each quote and and to compare as many companies as feasibly possible. Doing this provides an apples-to-apples comparison and the best price selection.
Locating the most cost-effective car insurance policy in Chula Vista is actually quite easy if you know where to start. If you already have coverage or just want cheaper coverage, you can use these techniques to find better prices and possibly find even better coverage. Smart shoppers just need to learn the least time-consuming way to shop for car insurance online.
Take policy discounts and save on Chevy City Express insurance in Chula Vista
Some insurers do not list all available discounts very well, so here is a list both the well known and also the lesser-known discounts that may be available. If you don’t get every credit you deserve, it’s possible you qualify for a lower rate.
- Multiple Cars – Buying a policy with multiple cars on a single policy qualifies for this discount.
- Data Collection Discounts – Drivers who elect to allow their company to track driving manner by using a small device installed in their vehicle such as Drivewise from Allstate or Snapshot from Progressive could possibly reduce rates if they exhibit good driving behavior.
- Sign Early and Save – A few car insurance companies give discounts for buying a new policy early. You could save around 10% when you buy Chula Vista auto insurance online.
- Seat Belt Usage – Drivers who require all vehicle occupants to buckle up before driving can save up to 15% on the medical payments or PIP coverage costs.
- No Claim Discounts – Insureds with no claims or accidents pay less as opposed to insureds who have frequent claims or accidents.
- Sign Online – A few insurance companies will provide an incentive for completing your application on their website.
- Student in College – Kids who are enrolled in higher education away from home and won’t have access to an insured vehicle can be insured at a reduced rate.
- Employee of Federal Government – Having worked for a branch of the government could cut as much as 10% off with some car insurance companies.
You can save money using discounts, but many deductions do not apply to the entire policy premium. Most only apply to individual premiums such as physical damage coverage or medical payments. So when it seems like adding up those discounts means a free policy, it just doesn’t work that way.
The information below illustrates the comparison of Chevy City Express annual premium costs with and without discounts. The data assumes a male driver, no claims or driving citations, California state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, multi-policy, marriage, homeowner, and multi-car discounts applied.
The best car insurance companies and a selection of discounts are outlined below.
- State Farm may offer discounts for multiple autos, student away at school, multiple policy, good driver, and Drive Safe & Save.
- Farmers Insurance offers discounts including teen driver, homeowner, youthful driver, switch companies, and multi-car.
- GEICO may include discounts for seat belt use, defensive driver, air bags, five-year accident-free, and anti-lock brakes.
- American Family has discounts for multi-vehicle, good student, mySafetyValet, accident-free, Steer into Savings, and TimeAway discount.
- Nationwide may have discounts that include multi-policy, easy pay, anti-theft, accident-free, and Farm Bureau membership.
- Progressive discounts include multi-policy, continuous coverage, online quote discount, good student, and homeowner.
When getting a coverage quote, ask all the companies which discounts they offer. Discounts may not apply to policyholders in your area. If you would like to see a list of car insurance companies that offer multiple discounts in California, click this link.
The fastest way that we advise to compare car insurance company rates for Chevy City Express insurance in Chula Vista takes advantage of the fact almost all companies actually pay money for the chance to provide you with free rate quotes. To start a quote, the only thing you need to do is give them rating details like how old drivers are, whether you drive to work or school, daily mileage, and if you require a SR-22. Your information gets transmitted to multiple top-rated companies and you receive quotes immediately.
To start a quote now, click here and find out if lower rates are available in Chula Vista.
The companies shown below have been selected to offer quotes in California. To find the best auto insurance in California, we recommend you visit two to three different companies to get the lowest price.
Coverage analysis
The data table shown below covers different rate quotes for Chevy City Express models. Having insight into how rates are figured can help customers make smart policy decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| City Express Cargo 2500 2WD | $276 | $382 | $578 | $34 | $174 | $1,444 | $120 |
| City Express Cargo 1500 2WD | $276 | $464 | $578 | $34 | $174 | $1,526 | $127 |
| City Express Cargo 3500 2WD | $316 | $464 | $578 | $34 | $174 | $1,566 | $131 |
| City Express 2500 LT 2WD | $316 | $464 | $578 | $34 | $174 | $1,566 | $131 |
| City Express 2500 2WD | $316 | $464 | $578 | $34 | $174 | $1,566 | $131 |
| City Express 2500 LS 2WD | $316 | $464 | $578 | $34 | $174 | $1,566 | $131 |
| City Express 3500 2WD | $316 | $464 | $578 | $34 | $174 | $1,566 | $131 |
| City Express Cargo 1500 AWD | $316 | $464 | $578 | $34 | $174 | $1,566 | $131 |
| City Express 1500 LS 2WD | $316 | $464 | $578 | $34 | $174 | $1,566 | $131 |
| City Express 1500 LS AWD | $316 | $546 | $578 | $34 | $174 | $1,648 | $137 |
| City Express 1500 AWD | $316 | $546 | $578 | $34 | $174 | $1,648 | $137 |
| City Express 1500 LT 2WD | $316 | $546 | $578 | $34 | $174 | $1,648 | $137 |
| City Express Cargo 1500 Turbo Diesel 2WD | $316 | $546 | $578 | $34 | $174 | $1,648 | $137 |
| City Express Cargo 2500 Turbo Diesel 2WD | $358 | $546 | $578 | $34 | $174 | $1,690 | $141 |
| City Express 3500 LT 2WD | $358 | $546 | $578 | $34 | $174 | $1,690 | $141 |
| City Express 3500 LS 2WD | $358 | $546 | $578 | $34 | $174 | $1,690 | $141 |
| City Express 3500 2WD | $358 | $546 | $578 | $34 | $174 | $1,690 | $141 |
| City Express 1500 LT AWD | $358 | $546 | $578 | $34 | $174 | $1,690 | $141 |
| City Express Cargo 3500 Turbo Diesel 2WD | $358 | $546 | $578 | $34 | $174 | $1,690 | $141 |
| City Express Cargo 1500 Turbo Diesel AWD | $358 | $546 | $578 | $34 | $174 | $1,690 | $141 |
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Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Estimates do not factor in specific location which can impact premium rates substantially.
Car insurance premiums by gender
The example below illustrates the comparison of Chevy City Express car insurance rates for male and female drivers. The premium estimates are based on no claims or driving violations, full coverage, $500 deductibles, drivers are single, and no discounts are applied to the premium.
Rate difference between full and liability-only coverage
The example below shows the difference between Chevy City Express insurance costs with full coverage compared to only the California minimum liability coverage. The rate quotes are based on no accidents, no driving violations, $250 deductibles, drivers are single, and no additional discounts are factored in.
Should you be buying full coverage?
There is no specific rule of when to eliminate physical damage coverage on your policy, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then you may need to consider dropping full coverage.
For example, let’s say your Chevy City Express settlement value is $3,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most your company would pay you is $2,000 after paying your deductible. If premiums are more than $200 annually for your policy with full coverage, then it might be time to buy liability only.
There are a few situations where dropping full coverage is not in your best interest. If you still owe a portion of the original loan, you have to carry full coverage in order to keep the loan. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should not buy liability only.
Compare rates but buy from a local Chula Vista insurance agency
Some people just want to buy from a licensed agent and doing so can bring peace of mind Experienced insurance agents are trained risk managers and help file insurance claims. One of the great benefits of price shopping on the web is the fact that drivers can get the best rates but also keep your business local.
By using this form (opens in new window), your insurance data is transmitted to participating agents in Chula Vista that can give you free Chula Vista auto insurance quotes for your coverage. You won’t need to leave your computer due to the fact that quote results will go to your email. If you need to get a rate quote from a specific insurance company, you would need to jump over to their website to submit a rate quote request.
Selecting a provider is decision based upon more than just a cheap price. These are some valid questions you should ask.
- Do they receive special compensation for putting your coverage with one company over another?
- How many companies do they write for?
- What will you get paid if your car is a total loss? How is that amount determined?
- What company do they have the most business with?
- Did they already check your driving record and credit reports?
- Do they see any coverage gaps in your plan?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Do they reduce claim amounts on high mileage vehicles?
If you need to find a local Chula Vista insurance agent, you need to know there are two types of insurance agents and how they work. Car insurance agencies are categorized either independent agents or exclusive agents depending on their employer. Both can properly insure your vehicles, but we need to point out the difference between them since it can impact which type of agent you select.
Exclusive Car Insurance Agents
Exclusive agencies can only provide one company’s prices like Farmers Insurance, Allstate, or State Farm. Exclusive agents cannot provide other company’s prices so they have to upsell other benefits. They are highly trained on their company’s products and that allows them to sell at a higher price point.
Shown below is a short list of exclusive agencies in Chula Vista that are able to give rate quotes.
Farmers Insurance – Francisco Moreno
2471 Main St #19 – Chula Vista, CA 91911 – (619) 476-1066 – View Map
Bernardo Vasquez – State Farm Insurance Agent
460 3rd Ave a – Chula Vista, CA 91910 – (619) 425-6560 – View Map
Joaquin Alvarez – State Farm Insurance Agent
240 F St – Chula Vista, CA 91910 – (619) 425-1216 – View Map
Independent Agents
Independent insurance agents do not write with just one company and that enables them to quote your coverage with an assortment of companies and get the cheapest rates. If your agent finds better pricing, they can switch companies in-house and you don’t have to switch agencies.
When shopping rates, you will definitely want to get some free quotes from a few independent agents in order to have the best price comparison.
The following are independent insurance agents in Chula Vista willing to provide price quotes.
Adriana’s Insurance Services
1090 3rd Ave #5 – Chula Vista, CA 91911 – (619) 591-1540 – View Map
Fred Loya Insurance
1177 Broadway STE 21 – Chula Vista, CA 91911 – (619) 422-7500 – View Map
Hotwire Insurance
555 Broadway #2018 – Chula Vista, CA 91910 – (877) 221-0676 – View Map
Shop around and save
You just read some good ideas how to reduce Chevy City Express insurance auto insurance rates online in Chula Vista. It’s most important to understand that the more providers you compare, the higher the chance of saving money. You may even be surprised to find that the lowest priced car insurance comes from a company that doesn’t do a lot of advertising. Regional companies can often insure niche markets at a lower cost as compared to the big name companies such as Allstate and Progressive.
When getting Chula Vista auto insurance quotes online, it’s a bad idea to skimp on critical coverages to save a buck or two. There have been many situations where someone sacrificed physical damage coverage and learned later that their decision to reduce coverage ended up costing them more. The aim is to buy the best coverage you can find for the lowest price while still protecting your assets.
More learning opportunities
- Protect Yourself Against Auto Theft (Insurance Information Institute)
- How Much is Car Insurance for Uber Drivers in Chula Vista? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for Postal Workers in Chula Vista? (FAQ)
- How Much is Auto Insurance for Drivers Requiring a SR22 in Chula Vista? (FAQ)
- How Much are Auto Insurance Quotes for Business Use in Chula Vista? (FAQ)
- How Much Auto Coverage do I Need? (Insurance Information Institute)
- Teen Driving and Texting (State Farm)
- Think You’re a Safe Driver? (State Farm)
- Medical Payments Coverage (Liberty Mutual)