How long have you put off shopping around for cheaper Buick Century insurance in Chula Vista? Trying to find the cheapest insurance for a new or used Buick Century in California can normally be a lot of work, but you can follow these tips to save time.
There is a right way and a wrong way to compare auto insurance rates and you need to know the proper way to price shop coverage for a Buick and locate the cheapest rates.
Finding the lowest-priced policy in Chula Vista is not as time-consuming as you think. If you are already insured or just want cheaper coverage, follow these tips to reduce premiums without sacrificing coverage. Smart buyers just have to know the most time-saving way to compare insurance rates over the internet.
Most larger insurance companies allow consumers to get insurance quotes on their websites. This process is possible for anyone as all you need to do is type in your coverage information into the quote form. Once you submit the form, the quote system automatically retrieves your credit score and driving record and generates pricing information determined by many factors.
Getting online rate quotes for Buick Century insurance in Chula Vista makes it simple to compare prices and it is important to do this if you are searching for a better rate.
If you want to compare rates now, compare rates now from the companies shown below. If you currently have coverage, we recommend you input the limits and deductibles identical to your current policy. This way, you will be getting rate comparison quotes for the exact same coverage.
The following companies offer free quotes in Chula Vista, CA. In order to find the best cheap car insurance in Chula Vista, we recommend you visit several of them in order to get a fair rate comparison.
Insurance discounts help lower rates for Buick Century insurance in Chula Vista
Some companies do not list all available discounts very clearly, so the list below details a few of the more well known and also the lesser-known discounts you could be receiving when you buy Chula Vista auto insurance online.
- Braking Control Discount – Cars and trucks that have steering control and anti-lock brakes can reduce accidents and the ABS can save up to 10%.
- Discount for Life Insurance – If the company offers life insurance, you could get better premium rates if you take out life insurance.
- Driver Education Discount – Teen drivers should enroll in driver’s education as it will make them better drivers and lower rates.
- Multiple Cars – Insuring primary and secondary vehicles on the same insurance policy can get a discount for every vehicle.
- Organization Discounts – Having an affiliation with qualifying clubs or civic groups may earn a discount on insurance.
- Onboard Data Collection – Policyholders that allow their insurance company to spy on driving patterns by using a small device installed in their vehicle such as Drivewise from Allstate or Snapshot from Progressive may see discounts if their driving habits are good.
- Buy New and Save – Buying a new car instead of a used Century can save up to 30% because newer models are generally safer.
- Accident Forgiveness – Not really a discount, but companies like Progressive, Allstate, and GEICO will turn a blind eye to one accident before raising your premiums as long as you don’t have any claims for a set time period.
A quick disclaimer, most credits do not apply to the entire policy premium. Most cut the price of certain insurance coverages like collision or personal injury protection. So even though you would think all the discounts add up to a free policy, nobody gets a free ride. But all discounts will reduce the amount you have to pay.
Popular insurance companies and their offered discounts can be read below.
- State Farm offers premium reductions for multiple policy, good driver, Drive Safe & Save, multiple autos, driver’s education, defensive driving training, and accident-free.
- Farmers Insurance discounts include teen driver, bundle discounts, pay in full, good student, alternative fuel, multi-car, and homeowner.
- Progressive has discounts for multi-policy, continuous coverage, online signing, online quote discount, and homeowner.
- GEICO offers discounts for seat belt use, multi-vehicle, defensive driver, anti-theft, military active duty, membership and employees, and daytime running lights.
- Auto-Owners Insurance may have discounts that include multi-policy, company car, safe driver, safe vehicle, paid in full, paperless, and air bags.
- The Hartford may include discounts for driver training, bundle, vehicle fuel type, air bag, good student, and anti-theft.
- Farm Bureau may offer discounts for 55 and retired, renewal discount, multi-vehicle, multi-policy, youthful driver, and safe driver.
- USAA policyholders can earn discounts including loyalty savings, defensive driver, annual mileage, new vehicle, and multi-vehicle.
When getting a coverage quote, ask all companies you are considering which discounts you qualify for. Savings may not apply to policyholders in Chula Vista. If you would like to view insurers with discount rates in California, click this link.
Buying from insurance agencies
Some people would prefer to get advice from a local agent and doing that can be a smart decision Experienced insurance agents will help you protect your assets and help submit paperwork. One of the great benefits of getting free rate quotes online is that you can obtain cheap car insurance rates but also keep your business local. Supporting local insurance agents is important particularly in Chula Vista.
Once you complete this quick form, your insurance data is immediately sent to insurance agents in Chula Vista who will give you bids to get your business. You don’t have to contact any insurance agencies since rate quotes are delivered to your email. If you want to get a rate quote from a specific insurance company, feel free to jump over to their website and complete a quote there.
If you want to buy car insurance from a reputable insurance agent or broker, you should know the different types of agencies and how they are distinctly different. Agencies in Chula Vista can be categorized as either exclusive or independent. Both types of agents can write policy coverage, but it’s good to learn how they are different because it can impact which agent you choose.
Independent Car Insurance Agencies or Brokers
Agents of this type are not limited to a single company so they can insure your vehicles with an assortment of companies depending on which coverage is best. If your agent finds better pricing, an independent agent can move your coverage which makes it simple for you. When comparison shopping, it’s a good idea to get quotes from a few independent agents to maximize your price options. Most independent agents also contract with smaller mutual companies who may have lower rates.
Listed below is a short list of independent insurance agencies in Chula Vista who can help you get price quote information.
- Applied General Agency / Jake Widmer Insurance
1873 Marquette Rd – Chula Vista, CA 91913 – (619) 852-1013 – View Map - Penagos Insurance
1680 Broadway – Chula Vista, CA 91911 – (619) 691-1071 – View Map - Areli’s Insurance Services
1010 Broadway #7 – Chula Vista, CA 91911 – (619) 409-1690 – View Map
Exclusive Insurance Agents
Exclusive agents can only quote rates from one company such as Farmers Insurance, American Family, State Farm and Allstate. They generally cannot compare other company’s rates so you might not find the best rates. They are well schooled in insurance sales which helps them compete with independent agents. Consumers sometimes buy from the same agent for years mostly because of the brand rather than having the cheapest rates.
Listed below are exclusive agencies in Chula Vista who can help you get price quote information.
- Allstate Insurance: Jorge Zayas
1750 E Palomar St Ste 5 – Chula Vista, CA 91913 – (619) 656-8828 – View Map - Allstate Insurance: Donald Sewell
355 3rd Ave B – Chula Vista, CA 91910 – (619) 425-5370 – View Map - Bernardo Vasquez – State Farm Insurance Agent
460 3rd Ave a – Chula Vista, CA 91910 – (619) 425-6560 – View Map
Picking the best car insurance agent is decision based upon more than just the bottom line cost. Get answers to these questions too.
- Is auto insurance their primary focus in Chula Vista?
- How much will you save each year by using a higher deductible?
- Are they properly licensed to sell insurance in California?
- Is there a local claims center in Chula Vista?
- Do they receive special compensation for putting your coverage with one company over another?
Why you need Buick vehicle insurance in California
Even though it can be expensive, insurance serves an important purpose.
- Just about all states have minimum liability requirements which means you are required to carry a minimum amount of liability if you drive a vehicle. 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 have a loan on your Century, almost all lenders will stipulate that you have insurance to guarantee loan repayment. If you let the policy lapse, the bank will be required to insure your Buick at a much higher rate and require you to reimburse them the higher price.
- Insurance protects both your assets and your Buick. It will also cover most medical and hospital costs for yourself as well as anyone injured by you. Liability coverage also covers all legal expenses up to the policy limit if you are sued as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive (other-than-collision) and collision coverage will cover the damage repairs after a deductible is paid.
The benefits of having insurance definitely exceed the price paid, specifically if you ever have a liability claim. As of last year, the average driver in California is overpaying more than $810 a year so compare rate quotes once a year at a minimum to ensure rates are competitive.
Auto insurance coverages
Learning about specific coverages of insurance can help you determine appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.
Liability coverages – This coverage will cover injuries or damage you cause to a person or their property by causing an accident. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see limits of 15/30/5 that translate to a $15,000 limit per person for injuries, a limit of $30,000 in injury protection per accident, and $5,000 of coverage for damaged property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.
Liability can pay for things like emergency aid, repair costs for stationary objects, legal defense fees, funeral expenses and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible. California requires minimum liability limits of 15/30/5 but you should think about purchasing higher limits.
The illustration below demonstrates why minimum state limits may not be high enough to adequately cover claims.
Comprehensive coverage (or Other than Collision) – This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive coverage protects against things like a broken windshield, damage from flooding and fire damage. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.
Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for ambulance fees, funeral costs and pain medications. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. They cover you and your occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not universally available and may carry a deductible
Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and damage to your Buick Century.
Since many California drivers only carry the minimum required liability limits (California limits are 15/30/5), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Normally the UM/UIM limits are identical to your policy’s liability coverage.
Collision coverage – Collision insurance pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers things such as hitting a parking meter, colliding with another moving vehicle, crashing into a building, colliding with a tree and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Drivers also have the option to raise the deductible on your Century to get cheaper collision coverage.
Chula Vista car insurance companies
Ending up with the best auto insurance company is difficult considering how many companies sell insurance in Chula Vista. The information shown next may help you choose which car insurance companies to look at when looking for cheaper rates.
| 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
Keep this in mind when shopping around
Some insurance companies may not offer rates over the internet and usually these small insurance companies sell through independent agents. Cheaper Buick Century insurance in Chula Vista is possible on the web in addition to local insurance agencies, so compare prices from both to have the best selection.
We just presented quite a bit of information on how to shop for Buick Century insurance online. The key concept to understand is the more companies you get rates for, the better your comparison will be. You may even be surprised to find that the lowest prices come from an unexpected company.
Consumers who switch companies do it for any number of reasons including high prices, delays in paying claims, lack of trust in their agent and even being labeled a high risk driver. It doesn’t matter why you want to switch choosing a new company is not as hard as you think.
How to find more affordable Buick Century insurance in Chula Vista
If you want to save money, the best way to find affordable quotes for Buick Century insurance is to compare prices annually from companies in Chula Vista.
- First, try to understand individual coverages and the steps you can take to keep rates in check. Many risk factors that drive up the price like inattentive driving and a less-than-favorable credit rating can be improved by making lifestyle changes or driving safer.
- Second, request price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give rate quotes from a single company like GEICO or Farmers Insurance, while independent agencies can provide rate quotes for many different companies.
- Third, compare the price quotes to the premium of your current policy to see if a cheaper rate is available. If you find a better price and buy the policy, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Fourth, give proper notification to your current agent or company of your decision to cancel your current coverage and submit the required down payment along with the signed application for the new policy. Don’t forget to keep your new proof of insurance certificate with your vehicle’s registration.
The key thing to remember is that you’ll want to make sure you compare similar limits and deductibles on every quote request and and to analyze as many different insurance providers as possible. Doing this guarantees the most accurate price comparison and plenty of rates choose from.
More tips and info about auto insurance can be read in the articles below:
- Prepare your Teens for Safe Driving (InsureUonline.org)
- Who Has the Cheapest Auto Insurance Rates for Drivers Under 25 in Chula Vista? (FAQ)
- Who Has Affordable Auto Insurance Rates for a Ford Explorer in Chula Vista? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for a GMC Sierra in Chula Vista? (FAQ)
- Who Has Affordable Car Insurance Quotes for a Subaru Outback in Chula Vista? (FAQ)
- Who Has Affordable Chula Vista Auto Insurance Rates for a Ford Edge? (FAQ)
- Protect Yourself Against Auto Theft (Insurance Information Institute)
- A Tree Fell on Your Car: Now What? (Allstate)
- Liability Insurance Coverage (Nationwide)