Dodge Charger Insurance Quotes in Chula Vista

It takes a little time, but the best way to get discount car insurance rates in Chula Vista is to compare prices annually from insurers who provide car insurance in California. This can be done by completing these steps.

Step 1: Try to learn about how car insurance works and the things you can control to prevent expensive coverage. Many policy risk factors that are responsible for high rates like high-risk driving behaviors and poor credit rating can be amended by improving your driving habits or financial responsibility.

Step 2: Obtain price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from one company like GEICO or State Farm, while agents who are independent can provide price quotes from many different companies.

Step 3: Compare the quotes to the price on your current policy and determine if cheaper Charger coverage is available in Chula Vista. If you can save money and buy the policy, make sure there is no coverage gap between policies.

One thing to remember is to use identical coverage information on every quote and and to analyze as many companies as you can. Doing this ensures an accurate price comparison and a complete price analysis.

Unbelievable but true according to a study over 70% of consumers kept buying from the same company for four years or more, and about 40% of consumers have never even compared quotes to find cheap rates. With the average car insurance premium being $1,387, California drivers could save nearly $469 every year just by getting comparison quotes, but they think it’s difficult to shop around.

If you are already insured or are looking for a new policy, follow these tips to lower your rates and still get good coverage. Our objective in writing this article is to tell you how car insurance companies work and some tricks to saving. Drivers only need an understanding of the most effective way to get comparison rates online.

The best way we recommend to get policy rate comparisons for Dodge Charger insurance in Chula Vista is to know the trick most larger insurance companies provide online access to give you rate quotes. To begin a comparison, all you need to do is take a few minutes to give details including deductibles desired, if you lease or own, if you went to college, and if it has an alarm system. The rating information is instantly sent to insurance carriers in your area and they return quotes quickly.

If you wish to get multiple quotes for your Dodge Charger now, click here and enter the information requested.

The companies in the list below have been selected to offer free quotes in California. To locate cheap auto insurance in Chula Vista, we suggest you visit as many as you can to get the best price comparison.

Car insurance policy discounts for Dodge Charger insurance in Chula Vista

Car insurance is expensive, but there could be available discounts that can help lower your rates. Some discounts will apply when you purchase, but a few must be requested specifically prior to receiving the credit. If they aren’t giving you every credit possible, you are throwing money away.

• Good Grades Discount – A discount for being a good student can save 20 to 25%. Earning this discount can benefit you up to age 25.
• Chula Vista Homeowners Discount – Owning a house in Chula Vista can help you save on car insurance since home ownership requires personal responsibility.
• Driver’s Ed – Cut your cost by having your teen driver successfully complete driver’s ed class as it can save substantially.
• Senior Citizen Discount – Older drivers could receive reduced rates.
• Drive Less and Save – Low annual miles could earn cheaper rates.
• Student in College – Older children who are enrolled in higher education away from home and do not have access to a covered vehicle could get you a discount.
• Pay Now and Pay Less – If you can afford to pay the entire bill rather than paying in monthly installments you may reduce your total bill.

We need to note that most credits do not apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like all the discounts add up to a free policy, insurance companies wouldn’t stay in business.

The chart below shows the difference between Dodge Charger insurance prices with and without discounts applied. Data assumes a male driver, a clean driving record, no at-fault accidents, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, safe-driver, multi-policy, multi-car, and homeowner discounts applied.

To see a list of car insurance companies that offer discounts in California, click here.

Coverage information

The premium table shown next covers a range of rate quotes for Dodge Charger models. Understanding more about how insurance quotes are calculated can assist in making decisions on which coverage to buy.

Table data represents single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Information does not factor in vehicle garaging location which can alter rates considerably.

Physical damage deductibles

A question often asked by Chula Vista drivers is at what level do you set your deductibles. The comparison tables below sum up the differences in premium rates when you choose different comp and collision deductibles. The first rate table uses a $250 deductible for comp and collision and the second set of prices uses a $1,000 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Premium costs do not factor in the specific area where the vehicle is garaged which can decrease or increase premium rates greatly.

Based on these figures, using a $250 deductible costs approximately $38 more each month or $456 for a full year than requesting the higher $1,000 deductible. Since you would pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you average at a minimum 20 months between claims, you would come out ahead if you opt for a higher deductible. Here’s a better example of how you can do this calculation yourself.

The example below illustrates how your deductible choice and can raise or lower Dodge Charger premium costs for different age groups. The premium estimates are based on a married male driver, full coverage, and no discounts are applied to the premium.

Rate comparison of men versus women

The chart below compares Dodge Charger annual premium costs for male and female drivers. The data is based on a clean driving record, no claims, comprehensive and collision coverage, $100 deductibles, single status, and no discounts are factored in.

Difference between full coverage and liability only rates

The illustration below illustrates the difference between Dodge Charger yearly insurance costs with full coverage compared to only the California minimum liability coverage. The rate quotes are based on no claims or driving citations, $100 deductibles, single marital status, and no additional discounts are factored in.

When to drop comprehensive and collision

There is no set rule for dropping comprehensive and collision coverage on your policy, but there is a general convention. If the annual cost of coverage is more than about 10% of the replacement cost minus the deductible, then you might consider buying liability only.

For example, let’s pretend your Dodge Charger settlement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, you would only receive $6,000 after paying the physical damage deductible. If premium cost is more than $600 annually for comprehensive and collision coverage, then you might consider buying liability only.

There are some circumstances where dropping physical damage coverage is not recommended. If you have an outstanding loan on your vehicle, you are required to maintain full coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should maintain full coverage.

Informed Drivers Know How to Quote Insurance at a Discount

Consumers need to have an understanding of some of the things that go into determining the price you pay for insurance. When you know what positively or negatively influences your rates, this helps enable you to make changes that can earn you big savings. Many things are used in the calculation when you quote your car insurance policy. Some factors are common sense like a motor vehicle report, but other factors are more transparent like your vehicle usage or how financially stable you are.

Shown below are most of the major factors that factor into your rates.

• Policy add-ons may not be needed – There are quite a few extra bells and whistles that you can get tricked into buying but may not be useful. Add-on coverages like replacement cost coverage, accident forgiveness, and additional equipment coverage could be just wasting money. You may think they are a good idea when talking to your agent, but now you might not need them so get rid of them and save.
• Your address can push rates up or down – Choosing to live in small towns and rural areas has definite advantages when buying insurance. Drivers in populated areas regularly have more aggressive driving styles and more severe claims. Lower population means a lower chance of having an accident and a lower car theft rate.
• How credit score affects insurance prices – A driver’s credit rating will be a significant factor in calculating your premium rate. Therefore, if your credit rating leaves room for improvement, you may save money insuring your Dodge Charger by repairing your credit. Consumers who have high credit ratings tend to be more responsible and file fewer claims as compared to drivers with lower credit scores.
• Optional features can affect premiums – Purchasing a vehicle that has a built-in theft deterrent system can save you some money. Systems that thwart thieves such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack can help prevent auto theft and help lower rates.
• Single drivers take more risk – Getting married may earn you lower rates on your insurance policy. Having a spouse translates into being more mature than a single person and statistics prove drivers who are married file infrequent claims.
• What are your deductibles? – Physical damage insurance, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Dodge. A few examples of covered claims are a windshield shattered by a rock, vandalism, and windstorm damage. Deductibles for physical damage are the amount of money you are willing to pay if a claim is determined to be covered. The larger the amount you have to pay, the less your insurance will be.
• Use one insurance company and save – Many companies allow a discount for people who buy several policies from them, otherwise known as a multi-policy discount. Even if you qualify for this discount already, it’s always a smart idea to compare other company rates to make sure you are getting the best deal.

• Loss probability for a Dodge Charger – Insurers use historical loss data when setting rates for each model. Models that historically have higher number or severity of losses will cost more for coverage. The table shown below demonstrates the actual insurance loss data for Dodge Charger vehicles.

  For each type of coverage, the claim probability for all vehicles, regardless of make or model, equals 100. Values that are 100 or less mean the vehicle has better than average losses, while percentage values above 100 indicate a higher chance of having a claim or tendency to have larger claims.

  
  

  Insurance Loss Ratings for Dodge Charger Vehicles

  Vehicle Make and Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Dodge Charger 2WD	148	142	160	176	178	159
  Dodge Charger 4WD	124	129	115	107	110	138
  Dodge Charger HEMI	156	106	202	118	127	111

  BETTER

  AVERAGE

  WORSE

  Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Do I need a local insurance agent?

A small number of people would rather visit with an insurance agent and that can be a great decision Good insurance agents are trained to spot inefficiencies and will help you if you have claims. A good thing about comparing insurance prices online is the fact that you can find cheaper prices and still have an agent to talk to.

By using this form (opens in new window), your insurance coverage information is transmitted to agents in your area who can give free rate quotes for your insurance coverage. You won’t even need to search for any insurance agencies as quotes are delivered straight to your inbox. If you need to compare rates from a specific company, you would need to visit that company’s website and fill out the quote form the provide.

Picking a provider needs to be determined by more than just the premium amount. Get answers to these questions too.

• Which insurance company do they prefer to write with?
• What is the financial rating for the quoted company?
• Do they have a Better Business Bureau rating in Chula Vista?
• Does the agent recommend any additional coverage?
• Do they specialize in personal lines coverage in Chula Vista?
• Are they actively involved in the community?

When finding a reliable insurance agent, there are two types of agencies that you can choose from. Chula Vista agents are classified as either independent or exclusive depending on the company they work for. Either type can insure your vehicles, but it is a good idea to know how they differ since it can affect which agent you choose.

Exclusive Insurance Agents

Exclusive agencies can only place business with one company and some examples include State Farm, AAA, and Liberty Mutual. They are unable to place coverage with different providers so they have no alternatives for high prices. Exclusive agents receive a lot of sales training on what they offer and that can be a competitive advantage. A lot of people buy from the same agent for years primarily because of the prominence of the brand and solid financial strength.

Listed below are Chula Vista exclusive insurance agents that can give you rate quotes.

• Farmers Insurance – Melissa Talbot
  885 Canarios Ct #104 – Chula Vista, CA 91910 – (619) 781-8716 – View Map
• GEICO Insurance Agent
  386 E H St Suite 203 – Chula Vista, CA 91910 – (619) 264-1751 – View Map
• Farmers Insurance – Raul Paredes
  208 3rd Ave – Chula Vista, CA 91910 – (619) 651-1900 – View Map

More insurance agents

Independent Agents (or Brokers)

Independent agencies often have many company appointments and that allows them to write policies through lots of different companies and potentially find a lower price. If they quote lower rates, they simply move your policy to a different company and you can keep the same agent.

If you are comparing auto insurance prices, we recommend you include price quotes from a few independent agents in order to compare the most rates. Many independent agencies also insure through smaller companies which can save you money.

Listed below is a short list of independent agents in Chula Vista who can help you get price quote information.

• Areli’s Insurance Services
  1010 Broadway #7 – Chula Vista, CA 91911 – (619) 409-1690 – View Map
• Robert Osorio Insurance
  513 Windy Way – Chula Vista, CA 91914 – (619) 216-0991 – View Map
• Eastlake Insurance Services
  884 Eastlake Pkwy # 1626 – Chula Vista, CA 91914 – (619) 216-6100 – View Map

More insurance agents

How to know if you need help

When quoting and choosing your policy for your vehicles, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance should reflect that
Here are some questions about coverages that might help in determining if your insurance needs might need an agent’s assistance.

• Are there companies who specialize in insuring high-risk drivers?
• Can I pay claims out-of-pocket if I buy high deductibles?
• When should I buy a commercial auto policy?
• Is my state a no-fault state?
• Is my cargo covered for damage or theft?
• Are my friends covered when driving my car?
• Am I covered if I hit a deer?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance companies in your area. It is quick, free and you can get the answers you need.

What is the best car insurance company in California?

Selecting the right car insurance provider can be difficult considering how many different companies insure vehicles in California. The ranking information in the next section could help you select which companies to look at putting your business with.

Top 10 Chula Vista Car Insurance Companies Ranked by Customer Service

1. AAA of Southern California
2. GEICO
3. State Farm
4. The Hartford
5. Mercury Insurance
6. The General
7. Progressive
8. Allstate
9. AAA Insurance
10. American Family

Top 10 Chula Vista Car Insurance Companies Ranked by Value

1. USAA
2. American Family
3. The Hartford
4. AAA of Southern California
5. Titan Insurance
6. The General
7. AAA Insurance
8. State Farm
9. Mercury Insurance
10. Nationwide

More effort can pay off

While you’re price shopping online, don’t be tempted to buy less coverage just to save a little money. In many cases, someone sacrificed comprehensive coverage or liability limits only to regret at claim time that they should have had better coverage. Your focus should be to get the best coverage possible at the best possible price while still protecting your assets.

In this article, we covered many ideas to get a better price on Dodge Charger insurance in Chula Vista. The key thing to remember is the more rate comparisons you have, the better chance you’ll have of finding affordable Dodge Charger insurance quotes. Consumers may even find the most savings is with the least-expected company. Regional companies often have lower premium rates on specific markets compared to the large companies like State Farm, GEICO and Nationwide.

Discount Dodge Charger insurance in Chula Vista can be purchased online and from local agencies, so you need to quote Chula Vista auto insurance with both to have the best selection. A few companies do not offer rates over the internet and usually these small insurance companies only sell coverage through independent insurance agents.

Other articles

• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Institute)
• Who Has Cheap Auto Insurance Rates for a 20 Year Old Female in Chula Vista? (FAQ)
• How Much is Chula Vista Auto Insurance for a Dodge Ram? (FAQ)
• Where can I buy Insurance? (Insurance Information Institute)
• Insurance Losses by Make and Model (iihs.org)
• Learn About Car Insurance (GEICO)