We don’t have to point out that fact that car insurance companies want to keep you from comparing rates. People who rate shop once a year will probably switch car insurance companies because of the high probability of finding a more affordable policy premium. A recent survey found that consumers who made a habit of comparing rate quotes saved as much as $865 a year compared to drivers who don’t regularly compare prices.
If finding the best rates on Tesla Model X insurance is your objective, then having a good understanding how to quote prices and compare car insurance can help make the process easier.
If you want to find the absolute lowest rates, then the best way to find cheaper prices for auto insurance rates is to compare prices annually from providers who provide auto insurance in Chula Vista.
- Step 1: Gain an understanding of how insurance companies determine prices and the measures you can take to keep rates low. Many factors that drive up the price such as traffic violations and poor credit rating can be eliminated by making small lifestyle or driving habit changes. Continue reading for instructions to get cheaper coverage and get additional discounts.
- Step 2: Request price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can provide rates from a single company like Progressive or State Farm, while independent agencies can quote prices for a wide range of insurance providers.
- Step 3: Compare the new rates to your current policy premium to see if you can save by switching companies. If you find better rates, make sure there is no lapse in coverage.
One bit of advice is to try to use identical deductibles and limits on each price quote and and to get price quotes from as many auto insurance providers as possible. This provides a fair price comparison and and a good selection of different prices.
When comparison shopping, there are several ways to compare rate quotes from lots of California insurance companies. The recommended way to find the cheapest Tesla Model X insurance rates is simply to get online rate quotes.
Just keep in mind that comparing a large number of companies will increase your chances of finding better pricing. Not every company provides online price quotes, so it’s important to also get rates from those companies as well.
The providers in the list below are our best choices to provide price quotes in California. If multiple companies are listed, we recommend you get price quotes from several of them in order to get a fair rate comparison.
Why you need insurance for your Tesla vehicle
Despite the high cost, paying for car insurance serves a purpose in several ways.
- Almost all states have minimum liability requirements which means the state requires specific limits of liability insurance coverage in order to drive the car. 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 vehicle has a loan, it’s most likely the lender will require that you buy full coverage to ensure they get paid if you total the vehicle. If you cancel or allow the policy to lapse, the lender may have to buy a policy to insure your Tesla at a much higher rate and require you to reimburse them a much higher amount than you were paying before.
- Car insurance preserves not only your car but also your assets. It will also provide coverage for most medical and hospital costs for both you and anyone you injure as the result of an accident. Liability coverage, the one required by state law, also covers legal expenses if you are named as a defendant in an auto accident. If you have damage to your Tesla as the result of the weather or an accident, comprehensive and/or collision insurance will pay all costs to repair after the deductible has been paid.
The benefits of insuring your Model X more than offset the price you pay, especially when you need to use it. The average driver in California is currently overpaying as much as $865 each year so we recommend shopping around once a year at a minimum to make sure the price is not too high.
Companies offer lots of discounts on Tesla Model X insurance in Chula Vista
Some providers don’t list every possible discount in a way that’s easy to find, so the list below details some of the best known as well as the least known car insurance savings. If you don’t get every credit available, it’s possible you qualify for a lower rate.
- Student Discounts – A discount for being a good student could provide a savings of up to 20% or more. The good student discount can last up to age 25.
- Drivers Ed for Students – Have your child participate in a local driver’s education class as it will make them better drivers and lower rates.
- Responsible Driver Discount – Drivers who avoid accidents can save up to 40% or more on their Chula Vista auto insurance quote as compared to drivers with claims.
- Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a break if you buy some life insurance in addition to your auto policy.
- Save over 55 – If you’re over the age of 55, you could receive better car insurance rates.
- Early Signing – Some larger companies give discounts for switching companies prior to your current Model X insurance policy expiring. You can save around 10% with this discount.
Drivers should understand that many deductions do not apply to all coverage premiums. A few only apply to the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like adding up those discounts means a free policy, companies wouldn’t make money that way.
For a list of insurance companies that can offer you the previously mentioned discounts in Chula Vista, click this link.
How to find a good Chula Vista car insurance company
Insuring your vehicle with a highly-rated auto insurance company can be a challenge considering how many companies provide coverage in California. The ranking information shown below can help you choose which companies you want to consider when shopping your coverage around.
| 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 |
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Data Source: Insure.com Best Car Insurance Companies