The recommended way to find cheaper auto insurance rates in Chula Vista is to compare prices once a year from insurers that sell auto insurance in California.
- First, spend some time learning about how auto insurance works and the changes you can make to keep rates low. Many policy risk factors that increase rates such as traffic citations, accidents, and a negative credit score can be rectified by making lifestyle changes or driving safer.
- Second, compare prices from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only provide price estimates from a single company like GEICO or Allstate, while independent agencies can provide prices from multiple insurance companies. View insurance agents
- Third, compare the new rate quotes to your current policy premium to see if you can save by switching companies. If you find a lower rate quote and decide to switch, make sure there is no lapse between the expiration of your current policy and the new one.
- Fourth, notify your current company of your intention to cancel the current policy and submit a signed application and payment to the new company. As soon as you receive it, keep your new proof of insurance certificate along with the vehicle’s registration papers.
An important note is to try to compare similar deductibles and liability limits on each price quote and to quote with as many car insurance companies as possible. This ensures the most accurate price comparison and a complete selection of prices.
It’s hard to fathom, but the vast majority of car insurance customers have purchased from the same company for a minimum of four years, and approximately 38% of consumers have never shopped around. With the average car insurance premium being $1,387, California drivers can save hundreds of dollars each year by just comparing quotes, but they won’t spend time to shop around.
If you have coverage now or need new coverage, you will benefit by learning to find the best rates and possibly find even better coverage. Choosing the best rates in Chula Vista is much easier if you have a good place to start. Comparison shoppers just have to understand the proper way to compare rates instantly.
The majority of larger companies such as Progressive, Allstate and GEICO allow consumers to get coverage price quotes direct online. The process doesn’t take a lot of time as you simply enter your coverage preferences into a form. When complete, the company’s rating system collects reports for credit and driving violations and provides a quote based on the data you entered. This streamlines rate comparisons, and it’s also necessary to get many rate quotes if you want to find the lowest auto insurance rates.
To use this form to compare rates, consider comparing rates from the companies shown below. If you have a policy now, it’s recommended you enter the limits and deductibles just like they are on your policy. This way, you will receive a rate comparison based on similar coverages.
The following companies provide free quotes in Chula Vista, CA. To get the best cheap auto insurance in Chula Vista, we suggest you visit two to three different companies in order to get a fair rate comparison.
Coverage information
The premium information displayed below highlights estimates of insurance rates for Ford Transit Connect models. Having a better idea how rate quotes are figured can help you make informed decisions when comparing rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Transit Connect XL 2WD | $168 | $332 | $456 | $26 | $136 | $1,118 | $93 |
| Transit Connect XLT 2WD | $168 | $332 | $456 | $26 | $136 | $1,118 | $93 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Premium amounts do not factor in Chula Vista location which can raise or lower prices significantly.
Policy deductibles
One of the more difficult decisions when buying insurance is how high should the deductibles for physical damage be. The figures shown below outline how much more you’ll pay between high and low insurance deductibles. The first rate quote example uses a $250 deductible for comp and collision and the second data table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Transit Connect XL 2WD | $298 | $576 | $442 | $26 | $132 | $1,499 | $125 |
| Transit Connect XLT 2WD | $298 | $576 | $442 | $26 | $132 | $1,499 | $125 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Transit Connect XL 2WD | $242 | $464 | $442 | $26 | $132 | $1,306 | $109 |
| Transit Connect XLT 2WD | $242 | $464 | $442 | $26 | $132 | $1,306 | $109 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Price information does not factor in specific location which can lower or raise insurance rates considerably.
Based on the above data, using a $250 deductible could cost the average driver approximately $16 more each month or $192 annually than opting for the higher $500 deductible. Since you would have to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you tend to average more than 16 months between claims, you would save money by going with a higher deductible. The illustration below shows a better example of how this determination is made.
| Average monthly premium for $250 deductibles: | $125 |
| Average monthly premium for $500 deductibles (subtract): | – $109 |
| Monthly savings from raising deductible: | $16 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $16 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 16 months |
An important thing to remember is that raising deductibles to get cheaper rates means you will have to pay more out-of-pocket when you file a claim. It will be required that you have access to more funds in order to pay the higher deductible.
Responsible drivers pay cheaper insurance rates
The diagram below highlights how traffic violations and at-fault collisions can increase Ford Transit Connect yearly insurance costs for different age categories. The costs are based on a married male driver, full coverage, $500 deductibles, and no discounts are taken into consideration.
Annual premiums comparing men and women in Chula Vista
The diagram below visualizes the comparison of Ford Transit Connect car insurance rates for male and female drivers. The prices are based on no driving violations, no at-fault accidents, full coverage, $500 deductibles, single marital status, and no additional discounts are factored in.
Ford Transit Connect full coverage rates compared to liability only
The diagram below visualizes the comparison of Ford Transit Connect insurance costs with and without physical damage coverage. The premium estimates are based on no tickets, no at-fault accidents, $1,000 deductibles, drivers are not married, and no discounts are taken into consideration.
Are you wasting money on full coverage?
There is no set guideline to drop comprehensive and collision coverage on your policy, but there is a guideline you can use. If the yearly cost of comp and collision coverage is more than about 10% of the replacement cost minus the deductible, the it may be a good time to stop paying for full coverage.
For example, let’s assume your Ford Transit Connect book value is $5,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $4,000 after the deductible is paid. If you are paying over $400 a year for full coverage, then it could be time to drop full coverage.
There are a few cases where dropping full coverage is not in your best interest. If you still owe a portion of the original loan, you are required to maintain full coverage to satisfy the loan requirements. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should not consider dropping full coverage.
Insurance in California serves several purposes
Despite the high cost of buying insurance for a Ford Transit Connect in Chula Vista, paying for insurance may be required and benefits you in several ways.
- Almost all states have mandatory liability insurance requirements which means you are required to buy specific limits of liability 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 you took out a loan on your vehicle, most banks will make it a condition of the loan that you buy full coverage to ensure the loan is repaid in case of a total loss. If the policy lapses, the lender may insure your Ford at a much higher premium rate and make you pay for it.
- Insurance protects both your assets and your car. It will also pay for most medical and hospital costs for you, any passengers, and anyone injured in an accident. Liability coverage will also pay for a defense attorney if you are sued as the result of an accident. If your Ford gets damaged, collision and comprehensive coverages will pay to restore your vehicle to like-new condition.
The benefits of carrying adequate insurance are without a doubt worth the cost, especially if you ever need it. Despite what companies tell you, the average driver is wasting up to $855 a year so it’s very important to do a rate comparison every year to be sure current rates are still competitive.
How Your Transit Connect Insurance Rates are Determined
A large part of saving on auto insurance is knowing a few of the rating criteria that help calculate the rates you pay for auto insurance. If you understand what positively or negatively impacts your premiums, this allows you to make good choices that may reward you with much lower annual insurance costs. Multiple criteria are part of the calculation when you quote your car insurance policy. Some factors are common sense like a motor vehicle report, although some other factors are less apparent like where you live and annual miles driven.
Premiums impacted by your city – Living in a small town is a good thing if you are looking for the lowest rates. Less people living in that area corresponds to lower accident rates as well as less vandalism and auto theft. People in densely populated areas have more traffic problems and longer commute times. Spending more time driving translates into higher accident risk.
Save money by having multiple policies – The majority of companies afford discounts to policyholders that buy multiple policies in the form of a multi-policy discount. Even though this discount sounds good, you may still want to compare Ford Transit Connect rates in Chula Vista to make sure you are getting the best deal. Consumers may find a better deal by buying auto insurance from a different company.
A policy lapse is a bad thing – Not having insurance is not a good idea and you may have a hard time finding new coverage because you let your coverage lapse. In addition to paying higher premiums, getting caught without coverage could earn you a fine, jail time, or a revoked license. You may have to file a SR-22 with the California department of motor vehicles.
Insurance costs are higher for high performance vehicles – The make and model of the car you need insurance for makes a big difference in your car insurance bill. The cheapest rates are generally reserved for lower cost passenger models, but there are many factors that impact the final cost.
The following data uses these variables: single female driver age 20, full coverage with $250 deductibles, and no discounts or violations. It illustrates Ford Transit Connect rates compared to other models of vehicles that have different performance rating factors.
Getting married is a bonus – Getting married can actually save you money on your auto insurance bill. It may mean you are more financially stable and it’s statistically proven that married couples file fewer claims.
Employer reflects on prices – Jobs like lawyers, architects, and stock brokers generally pay higher average rates because of job stress and extremely grueling work hours. Conversely, occupations such as professors, athletes and retirees have lower than average premiums.
Rental and towing coverage may not be needed – There are quite a few extra bells and whistles that you can buy if you aren’t careful. Insurance for roadside assistance, accidental death, and term life insurance may be costing you every month. These coverages may sound good when discussing your needs, but if you don’t need them eliminate them to save money.
Your situation helps dictate your coverage
When choosing insurance from an agent or online, there is no single plan that fits everyone. Every insured’s situation is different.
For instance, these questions can help discover whether your personal situation may require specific advice.
- At what point should I drop full coverage?
- Who does medical payments coverage extend to?
- Why do I have to buy liability insurance?
- Is my custom stereo system covered?
- Are my company tools covered if they get stolen?
- Is my babysitter covered when using my vehicle?
If you can’t answer these questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form. It only takes a few minutes and you can get the answers you need.
Chula Vista auto insurance companies ranked
Ending up with the right auto insurance company is difficult considering how many different companies there are to choose from in California. The information shown below may help you pick which companies to look at comparing rates with.
| 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 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
What is YOUR best insurance company?
Low-cost Ford Transit Connect insurance in Chula Vista is available from both online companies in addition to local insurance agencies, and you should compare price quotes from both to have the best selection. Some companies do not offer rates over the internet and these small insurance companies sell through independent agents.
Consumers switch companies for a number of reasons such as questionable increases in premium, lack of trust in their agent, not issuing a premium refund or unfair underwriting practices. Whatever your reason, switching auto insurance companies is pretty simple and you could end up saving a buck or two.
You just learned some good ideas how to lower your Ford Transit Connect insurance prices in Chula Vista. The most important thing to understand is the more you quote Chula Vista car insurance, the more likely it is that you will get a better rate. You may even find the best price on auto insurance is with a smaller regional carrier.
Additional auto insurance information is available below:
- Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)
- Who Has Cheap Car Insurance Rates for Low Credit Scores in Chula Vista? (FAQ)
- Who Has the Cheapest Auto Insurance for College Graduates in Chula Vista? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for Drivers Under 25 in Chula Vista? (FAQ)
- Who Has the Cheapest Chula Vista Car Insurance for Drivers Over Age 50? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for a Company Car in Chula Vista? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for Retired Military in Chula Vista? (FAQ)
- What Auto Insurance is Cheapest for Single Moms in Chula Vista? (FAQ)
- Who Has Cheap Chula Vista Auto Insurance Quotes for Good Drivers? (FAQ)
- Insuring a Leased Car (Insurance Information Institute)
- Vehicle Size and Weight FAQ (iihs.org)