To save the most money, the best way to get low-cost Subaru Impreza insurance in Chula Vista is to start doing a yearly price comparison from providers in California.
- First, spend some time learning about individual coverages and the changes you can make to prevent expensive coverage. Many policy risk factors that result in higher rates like traffic violations, accidents, and a not-so-good credit history can be amended by making minor driving habit or lifestyle changes. Later in this article we will cover information to find cheap rates and find missing discounts.
- Second, quote rates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give prices from a single company like Progressive and State Farm, while independent agencies can quote prices for many different companies. View insurance agents
- Third, compare the new rate quotes to your existing coverage to see if a cheaper price is available. If you can save money and make a switch, make sure there is no lapse in coverage.
One important bit of advice is that you’ll want to make sure you compare identical coverage information on every quote and and to get quotes from as many car insurance companies as possible. This provides a fair price comparison and a complete selection of prices.
Unbelievable but true according to a study most car insurance policyholders have bought car insurance from the same company for at least the last four years, and approximately 38% of consumers have never compared rates with other companies. Chula Vista consumers can cut their rates by roughly 35% a year by just shopping around, but they mistakenly think it’s difficult to find cheaper insurance by shopping around.
If you have a policy now, you will definitely be able to save money using the concepts you’re about to learn. We hope to let you in on the best ways to compare prices and how you can save the most money. But California car owners can benefit from knowing how insurance companies determine prices because it can help you find the best coverage.
The most recommended method to compare car insurance rates for Subaru Impreza insurance in Chula Vista utilizes the fact car insurance companies participate in online systems to quote your coverage. To begin a comparison, all you need to do is provide a little information such as if it has an anti-theft system, if the vehicle is leased, daily mileage, and how much education you have. The rating information gets sent immediately to insurance companies and they return rate quotes quickly.
To start a rate quote now, click here and complete the quick form.
The companies shown below are ready to provide price comparisons in Chula Vista, CA. If you want cheap auto insurance in Chula Vista, we suggest you visit two to three different companies in order to find the most affordable rates.
Why you need insurance for your Subaru vehicle
Even though it can be expensive, paying for auto insurance is required for several reasons.
First, just about all states have mandatory liability insurance requirements which means you are required to buy specific minimum amounts of liability in order to drive the car legally. 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.
Second, if your Subaru Impreza has a lienholder, almost all lenders will have a requirement that you buy insurance to guarantee loan repayment. If coverage lapses or is canceled, the bank may insure your Subaru at a more expensive rate and force you to pay a much higher amount than you were paying before.
Third, insurance safeguards both your assets and your car. It will also cover hospital and medical expenses for you, any passengers, and anyone injured in an accident. As part of your policy, liability insurance also covers all legal expenses up to the policy limit if anyone sues you for causing an accident. If you have damage to your Subaru as the result of the weather or an accident, your policy will pay to repair the damage minus the deductible amount.
The benefits of insuring your Impreza greatly outweigh the cost, specifically if you ever have a liability claim. As of last year, the average driver in California overpays more than $700 annually so it’s important to compare rates each time the policy renews to ensure rates are inline.
Auto insurance statistics for a Subaru Impreza
The information shown below highlights estimates of insurance costs for Subaru Impreza models. Learning as much as possible about how auto insurance prices are figured can help guide drivers when making informed decisions when shopping around for a new policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Impreza 2.5I 4WD Station Wagon | $238 | $392 | $500 | $30 | $150 | $1,310 | $109 |
| Impreza 2.5I 4WD Station Wagon | $238 | $392 | $500 | $30 | $150 | $1,310 | $109 |
| Impreza Outback Sport 4WD Station Wagon | $238 | $478 | $500 | $30 | $150 | $1,396 | $116 |
| Impreza 2.5I AWD 4-Dr | $270 | $478 | $500 | $30 | $150 | $1,428 | $119 |
| Impreza 2.5I Premium Package AWD 4-Dr | $270 | $564 | $500 | $30 | $150 | $1,514 | $126 |
| Impreza WRX 4WD Station Wagon | $270 | $564 | $500 | $30 | $150 | $1,514 | $126 |
| Impreza 2.5 GT 4WD Station Wagon | $300 | $564 | $500 | $30 | $150 | $1,544 | $129 |
| Impreza WRX AWD 4-Dr | $300 | $648 | $500 | $30 | $150 | $1,628 | $136 |
| Impreza 2.5I GT AWD 4-Dr | $300 | $648 | $500 | $30 | $150 | $1,628 | $136 |
| Impreza WRX STI 4WD Station Wagon | $300 | $648 | $500 | $30 | $150 | $1,628 | $136 |
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Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Rate information does not factor in zip code location which can affect prices greatly.
Physical damage deductibles
When buying auto insurance, a common question is where to set your physical damage deductibles. The tables below may help to conceptualize the rate differences of buying low and high deductibles. The first rate table uses a $100 physical damage deductible and the second price chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Impreza 2.5I 4WD Station Wagon | $380 | $564 | $442 | $26 | $132 | $1,569 | $131 |
| Impreza 2.5I 4WD Station Wagon | $380 | $564 | $442 | $26 | $132 | $1,569 | $131 |
| Impreza Outback Sport 4WD Station Wagon | $380 | $686 | $442 | $26 | $132 | $1,691 | $141 |
| Impreza 2.5I AWD 4-Dr | $430 | $686 | $442 | $26 | $132 | $1,741 | $145 |
| Impreza 2.5I Premium Package AWD 4-Dr | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
| Impreza WRX 4WD Station Wagon | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
| Impreza 2.5 GT 4WD Station Wagon | $478 | $810 | $442 | $26 | $132 | $1,913 | $159 |
| Impreza WRX AWD 4-Dr | $478 | $932 | $442 | $26 | $132 | $2,035 | $170 |
| Impreza 2.5I GT AWD 4-Dr | $478 | $932 | $442 | $26 | $132 | $2,035 | $170 |
| Impreza WRX STI 4WD Station Wagon | $478 | $932 | $442 | $26 | $132 | $2,035 | $170 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Impreza 2.5I 4WD Station Wagon | $278 | $382 | $442 | $26 | $132 | $1,260 | $105 |
| Impreza 2.5I 4WD Station Wagon | $278 | $382 | $442 | $26 | $132 | $1,260 | $105 |
| Impreza Outback Sport 4WD Station Wagon | $278 | $464 | $442 | $26 | $132 | $1,342 | $112 |
| Impreza 2.5I AWD 4-Dr | $314 | $464 | $442 | $26 | $132 | $1,378 | $115 |
| Impreza 2.5I Premium Package AWD 4-Dr | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| Impreza WRX 4WD Station Wagon | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| Impreza 2.5 GT 4WD Station Wagon | $348 | $546 | $442 | $26 | $132 | $1,494 | $125 |
| Impreza WRX AWD 4-Dr | $348 | $630 | $442 | $26 | $132 | $1,578 | $132 |
| Impreza 2.5I GT AWD 4-Dr | $348 | $630 | $442 | $26 | $132 | $1,578 | $132 |
| Impreza WRX STI 4WD Station Wagon | $348 | $630 | $442 | $26 | $132 | $1,578 | $132 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Premium costs do not factor in specific zip code location which can alter prices greatly.
We can estimate from the data above that using a $100 deductible could cost the average driver approximately $33 more each month or $396 a year averaged for all Impreza models than opting for the higher $500 deductible. Because you would pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you go at a minimum 12 months between claims, you would probably save some money if you choose a higher deductible. The table below illustrates how you can do this calculation yourself.
| Average monthly premium for $100 deductibles: | $153 |
| Average monthly premium for $500 deductibles (subtract): | – $120 |
| Monthly savings from raising deductible: | $33 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $33 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 12 months |
The information below illustrates how choosing a deductible and can impact Subaru Impreza yearly insurance costs for each age group. The premium estimates are based on a married male driver, comprehensive and collision coverage, and no discounts are taken into consideration.
Should you buy full coverage?
The diagram below compares Subaru Impreza insurance costs with liability coverage only compared to full coverage. The rates are based on no claims or violations, $100 deductibles, drivers are not married, and no discounts are factored in.
Guidelines for dropping full coverage
There is no exact rule that works best for making the decision to drop full coverage on your policy, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is 10% or more of the vehicle’s replacement cost less your deductible, then you might consider buying liability only.
For example, let’s say your Subaru Impreza book value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would receive is $7,000 after paying your policy deductible. If you are paying in excess of $700 annually for full coverage, the it may be a good time to stop paying for full coverage.
There are some scenarios where buying only liability insurance is not in your best interest. If you still owe a portion of the original loan, you have to carry full coverage to satisfy the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should not eliminate full coverage.
Discount Chula Vista auto insurance rates
The cost of insuring your cars can be expensive, but companies offer discounts to reduce the price significantly. Some discounts will apply at the time you complete a quote, but occasionally some discounts must be asked for prior to getting the savings.
- Passenger Safety Discount – Factory air bags and/or automatic seat belt systems may earn rate discounts up to 30%.
- Anti-lock Brake System – Cars and trucks that have anti-lock braking systems are safer to drive and therefore earn up to a 10% discount.
- More Vehicles More Savings – Having several vehicles on one policy may reduce the rate for each vehicle.
- Own a Home – Owning a house in Chula Vista can save a few bucks because of the fact that having a home means you have a higher level of financial diligence.
- Discount for Multiple Policies – If you can combine your homeowners and auto policy with one insurance company you will save over 10 percent off each policy depending on the company.
A little note about advertised discounts, most discount credits are not given to the overall cost of the policy. Most only apply to specific coverage prices like comp or med pay. If you do the math and it seems like adding up those discounts means a free policy, companies don’t profit that way.
The example below shows the comparison of Subaru Impreza car insurance costs with and without some available policy discounts. The premiums assume a male driver, no claims or driving citations, California state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, marriage, homeowner, multi-car, and safe-driver discounts applied.
To see insurers who offer auto insurance discounts in Chula Vista, follow this link.
Do I need an insurance agent?
A lot of people would rather have an agent’s advice. A good thing about comparing rate quotes online is you can get cheap car insurance rates and still have an agent to talk to. Putting coverage with neighborhood insurance agencies is still important in Chula Vista.
Once you complete this form (opens in new window), the quote information is transmitted to local insurance agents who can give free rate quotes for your insurance coverage. There is no reason to even leave your home as quotes are delivered to you instantly. It’s the lowest rates and work with a local agent. If you wish to compare prices from a specific insurance company, you can always find their quoting web page and give them your coverage information.
The following is a short list of insurers in Chula Vista willing to provide price quotes for Subaru Impreza insurance in Chula Vista.
- Fred Hetter – State Farm Insurance Agent
265 E St Suite B – Chula Vista, CA 91910 – (619) 420-9430 – View Map - Joe Finch – State Farm Insurance Agent
3060 Bonita Rd #101a – Chula Vista, CA 91910 – (619) 569-2220 – View Map - Farmers Insurance – Charles Phillips
642 3rd Ave a – Chula Vista, CA 91910 – (619) 585-3484 – View Map - Premier Insurance Services – Chula Vista, CA
1295 Broadway #209 – Chula Vista, CA 91911 – (619) 768-0161 – View Map
Choosing an company needs to be determined by more than just the quoted price. Here are some questions you should ask.
- How much will you save each year by using a higher deductible?
- Is the agent and/or agency licensed to do business in California?
- Does the agency have a positive business rating?
- What are the financial ratings for the companies they represent?
- Can you contact them at any time?
Which auto insurance company is best in California?
Selecting the right company can be rather challenging considering how many different companies insure vehicles in Chula Vista. The company information below may help you decide which car insurance providers you want to consider comparing rates from.
| 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
Get the best coverage at the most affordable price
Consumers switch companies for any number of reasons including lack of trust in their agent, policy cancellation, policy non-renewal and delays in responding to claim requests. Whatever your reason, finding the right auto insurance provider is actually quite simple.
Cost effective Subaru Impreza insurance is definitely available both online and also from your neighborhood Chula Vista agents, and you should compare rates from both in order to have the best chance of saving money. Some insurance providers don’t offer rate quotes online and many times these regional insurance providers prefer to sell through local independent agencies.
We’ve covered many tips how you can find lower-cost Subaru Impreza insurance in Chula Vista. The key concept to understand is the more rate quotes you have, the better likelihood of getting affordable Chula Vista auto insurance quotes. You may even be surprised to find that the best rates are with a small mutual company.
Other learning opportunities
- Protect Yourself Against Auto Theft (Insurance Information Institute)
- How Much are Chula Vista Auto Insurance Quotes for Drivers with Accidents? (FAQ)
- Who Has Cheap Auto Insurance for Drivers with Bad Credit in Chula Vista? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for a GMC Sierra in Chula Vista? (FAQ)
- Who Has Cheap Auto Insurance for Safe Drivers in Chula Vista? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Hybrid Vehicles in Chula Vista? (FAQ)
- New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)
- Think You’re a Safe Driver? (State Farm)