Unimaginable but true, over 70% of consumers kept their policy with the same company for more than four years, and approximately 38% of consumers have never compared rates from other carriers. California drivers could save an average of up to $500 each year, but they don’t know the large savings they would see if they switched.
The easiest way to find affordable auto insurance rates is to do a yearly price comparison from insurance carriers in Chula Vista.
- Take a little time to learn about coverages and the measures you can take to drop your rates. Many rating criteria that drive up the price such as accidents, traffic tickets, and an unacceptable credit history can be rectified by paying attention to minor details.
- Request price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only give rate quotes from a single company like GEICO or State Farm, while independent agencies can give you price quotes from multiple insurance companies.
- Compare the new rates to your current policy premium and see if there is a cheaper rate in Chula Vista. If you can save some money and decide to switch, make sure there is no lapse between the expiration of your current policy and the new one.
The key aspect of shopping around is to compare identical coverages on every quote and and to get price quotes from as many different insurance providers as possible. This ensures a level playing field and the best price selection.
Finding affordable insurance coverage in Chula Vista can be easy if you know a few tricks. Practically every car owner who needs lower cost insurance most likely will find better rates. Although California car owners need to learn the way companies calculate your insurance rates.
To get cheaper Chula Vista car insurance quotes, there a variety of ways to get quotes from different companies. The easiest way to find the lowest Toyota Tacoma rates is to jump online and get quotes. When comparison shopping, comparing more quotes will improve the odds of getting the best rates. Some smaller insurers do not give rate quotes online, so you should also compare quotes from them as well.
The companies in the list below provide price quotes in California. To find cheap car insurance in Chula Vista, CA, it’s highly recommended you compare several of them in order to find the most competitive rates.
Car insurance is not optional in California
Despite the high insurance cost for a Toyota Tacoma in Chula Vista, insurance is required for several reasons.
First, almost all states have minimum liability requirements which means state laws require a minimum amount of liability protection if you don’t want to risk a ticket. 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 you bought your car with a loan, almost every bank will require you to have insurance to guarantee loan repayment. If you default on your policy, the bank or lender will purchase a policy for your Toyota for a much higher rate and force you to pay for the expensive policy.
Third, car insurance preserves both your Toyota Tacoma and your personal assets. It will also reimburse you for most medical and hospital costs for you, any passengers, and anyone injured in an accident. Liability insurance will also pay for a defense attorney if you are sued as the result of your driving. If your vehicle suffers damage from an accident or hail, comprehensive and/or collision insurance will pay all costs to repair after the deductible has been paid.
The benefits of insuring your Tacoma are without a doubt worth the cost, especially for larger claims. On average, a vehicle owner in Chula Vista overpays as much as $825 a year so it’s recommended you shop around at least once a year to save money.
Insurance coverage details
The price information displayed below highlights a range of prices for Toyota Tacoma models. Learning as much as possible about how policy rates are figured can be useful when making smart choices when selecting a coverage provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tacoma 2WD | $220 | $426 | $456 | $26 | $136 | $1,264 | $105 |
| Tacoma 4WD | $252 | $350 | $456 | $26 | $136 | $1,220 | $102 |
| Tacoma Double Cab 4WD | $252 | $426 | $456 | $26 | $136 | $1,296 | $108 |
| Tacoma X-Runner 2WD | $252 | $502 | $456 | $26 | $136 | $1,372 | $114 |
| Tacoma Double Cab 4WD | $286 | $426 | $456 | $26 | $136 | $1,330 | $111 |
| Tacoma Double Cab TRD Off-Road Package 4WD | $286 | $426 | $456 | $26 | $136 | $1,330 | $111 |
| Tacoma Double Cab TRD Sport Package 4WD | $286 | $426 | $456 | $26 | $136 | $1,330 | $111 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Rates do not factor in specific zip code location which can modify coverage prices substantially.
Physical damage deductible comparison
One of the most common insurance questions is where should you set your physical damage deductibles. The rates shown below help summarize the rate fluctuation between high and low comp and collision deductibles. The first set of rates uses a $250 deductible for physical damage and the second pricing table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tacoma 2WD | $298 | $576 | $442 | $26 | $132 | $1,499 | $125 |
| Tacoma 4WD | $342 | $472 | $442 | $26 | $132 | $1,439 | $120 |
| Tacoma Double Cab 4WD | $342 | $576 | $442 | $26 | $132 | $1,543 | $129 |
| Tacoma X-Runner 2WD | $342 | $678 | $442 | $26 | $132 | $1,645 | $137 |
| Tacoma Double Cab 4WD | $386 | $576 | $442 | $26 | $132 | $1,587 | $132 |
| Tacoma Double Cab TRD Off-Road Package 4WD | $386 | $576 | $442 | $26 | $132 | $1,587 | $132 |
| Tacoma Double Cab TRD Sport Package 4WD | $386 | $576 | $442 | $26 | $132 | $1,587 | $132 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tacoma 2WD | $242 | $464 | $442 | $26 | $132 | $1,306 | $109 |
| Tacoma 4WD | $278 | $382 | $442 | $26 | $132 | $1,260 | $105 |
| Tacoma Double Cab 4WD | $278 | $464 | $442 | $26 | $132 | $1,342 | $112 |
| Tacoma X-Runner 2WD | $278 | $546 | $442 | $26 | $132 | $1,424 | $119 |
| Tacoma Double Cab 4WD | $314 | $464 | $442 | $26 | $132 | $1,378 | $115 |
| Tacoma Double Cab TRD Off-Road Package 4WD | $314 | $464 | $442 | $26 | $132 | $1,378 | $115 |
| Tacoma Double Cab TRD Sport Package 4WD | $314 | $464 | $442 | $26 | $132 | $1,378 | $115 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Premium amounts do not factor in vehicle location which can change coverage prices substantially.
Based on the data above, we can derive that using a $250 deductible costs approximately $17 more each month or $204 for a full year than buying the higher $500 deductible. Since you would have to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you normally average more than 15 months between claim filings, you would more than likely save some money if you elect the higher deductible.
Affordable Chula Vista car insurance rates with discounts
Companies that sell car insurance don’t necessarily list every discount very well, so here is a list both the well known and the more hidden discounts you could be receiving when you buy Chula Vista car insurance online. If you don’t get every credit possible, you may be paying too high a price.
- Anti-lock Brake Discount – Anti-lock brake equipped vehicles are much safer to drive and earn discounts up to 10%.
- Discounts for New Vehicles – Putting insurance on a new Tacoma can cost up to 25% less because new model year vehicles are generally safer.
- Senior Citizen Discount – Drivers that qualify as senior citizens can possibly qualify for a discount up to 10%.
- Government Employees – Employees or retirees of the government may reduce rates when you quote Chula Vista car insurance but check with your company.
- Life Insurance – Select car insurance companies reward you with a break if you buy some life insurance too.
- Passenger Safety Discount – Factory options such as air bags and/or automatic seat belt systems can qualify for discounts of 20 to 30 percent.
- Military Discounts – Having a family member in the military could be rewarded with lower premium rates.
- Resident Student – Any of your kids who live away from home at college and do not have access to a covered vehicle may qualify for this discount.
- Multiple Vehicles – Buying a policy with several vehicles on one policy can get a discount on all vehicles.
- Driver’s Ed – Cut your cost by having your teen driver take driver’s ed class as it will make them better drivers and lower rates.
Discounts lower rates, but some of the credits will not apply to your bottom line cost. Some only reduce specific coverage prices like comprehensive or collision. So despite the fact that it appears having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.
The information below shows the difference between Toyota Tacoma auto insurance rates with and without discounts applied to the rates. The costs are based on a female driver, no claims or driving citations, California state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, multi-car, homeowner, safe-driver, and multi-policy discounts applied.
Some of the larger companies that may offer policyholders these benefits include:
Check with all the companies which discounts you qualify for. Some of the discounts discussed earlier might not be offered on policies in Chula Vista. If you would like to choose from a list of companies who offer car insurance discounts in Chula Vista, click this link.
When to have guidance from an agent
A small number of people still like to talk to an insurance agent and that is just fine! A nice benefit of getting free rate quotes online is the fact that you can find the lowest rates but also keep your business local.
For easy comparison, once you complete this form (opens in new window), your coverage information is submitted to agents in your area who want to provide quotes for your auto insurance coverage. You won’t even need to find an agent on your own since rate quotes are delivered to you instantly. It’s the lowest rates without a big time investment. If you want to compare rates from one company in particular, you just need to go to their quote page and fill out their quote form.
Picking the best provider is decision based upon more than just a cheap quote. A good agent in Chula Vista will have answers to these questions.
- Does the agent help file claims?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Do they specialize in personal lines coverage in Chula Vista?
- Can glass claims be handled at your home?
- Are aftermarket or OEM parts used to repair vehicles?
- Do you need full coverage on every vehicle?
- Are they actively involved in the community?
What type of Chula Vista auto insurance agent is right for you?
If you want a good insurance agency, it helps to know the two types of insurance agents and how they differ in how they quote coverages. Agents can be classified as either independent or exclusive depending on the company they work for.
Exclusive Auto Insurance Agencies
Agents in the exclusive channel generally can only insure with one company and some examples include Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agents are unable to compare rates from other companies so you might not find the best rates. Exclusive insurance agents are trained well on the products they sell which helps them sell insurance even at higher premiums. A lot of people choose to use a exclusive agent mainly due to high brand loyalty and solid financial strength.
Listed below are exclusive agents in Chula Vista willing to provide rate quotes.
- Brian Konishi – Allstate Insurance Agent
786 Third Ave – Chula Vista, CA 91910 – (619) 426-6580 – View Map - State Farm: Danny Patel
345 F St #160 – Chula Vista, CA 91910 – (619) 426-8352 – View Map - Allstate Insurance: Jorge Zayas
1750 E Palomar St Ste 5 – Chula Vista, CA 91913 – (619) 656-8828 – View Map
Independent Auto Insurance Agencies
Independent agents do not write with just one company so they can insure your vehicles through lots of different companies and find you the best rates. If you are not satisfied with one company, they can switch companies in-house which is easy for the insured.
When comparing rates, you definitely need to compare prices from at least one independent agent in order to have the best price comparison. Most independent agents also contract with small mutual carriers which may provide better rates.
Shown below are independent insurance agencies in Chula Vista that can give you price quote information.
- Eastlake Insurance Services
884 Eastlake Pkwy # 1626 – Chula Vista, CA 91914 – (619) 216-6100 – View Map - Mexican Insurance Specialists
249 E St – Chula Vista, CA 91910 – (619) 420-8200 – View Map - Applied General Agency / Jake Widmer Insurance
1873 Marquette Rd – Chula Vista, CA 91913 – (619) 852-1013 – View Map
Do I just need basic coverages?
When selecting insurance from an agent or online for your vehicles, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs so this has to be addressed.
Here are some questions about coverages that can aid in determining whether or not you could use an agent’s help.
- Why am I required to get a high-risk car insurance policy?
- Does coverage extend to a rental car in a foreign country?
- Am I covered when delivering products for my home-based business?
- Is my state a no-fault state?
- How much cheaper are high deductibles?
- Why am I be forced to buy a membership to get insurance from some companies?
- How much liability do I need to cover my assets?
- What is an SR-22 filing?
- If I use my vehicle for business use is it covered?
- Can I insure my car for more than it’s worth?
If it’s difficult to answer those questions, you might consider talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance companies in your area.
Best auto insurance company in California
Choosing the best insurer is hard considering how many choices drivers have in Chula Vista. The ranking data shown next may help you decide which companies to look at putting your business with.
Top 10 Chula Vista Car Insurance Companies Ranked by Value
- USAA
- American Family
- The Hartford
- AAA of Southern California
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Mercury Insurance
- Nationwide
Affordable coverage is out there
As you prepare to switch companies, don’t be tempted to skimp on critical coverages to save a buck or two. There are too many instances where someone dropped full coverage only to find out that they should have had better coverage. Your goal is to purchase a proper amount of coverage at an affordable rate while still protecting your assets.
Budget-conscious Toyota Tacoma insurance is definitely available online and with local Chula Vista insurance agents, and you should be comparing both in order to have the best chance of saving money. Some car insurance companies don’t offer rates over the internet and most of the time these regional carriers provide coverage only through local independent agents.
Even more information is available by following these links:
- Older Drivers FAQ (iihs.org)
- Who Has Affordable Auto Insurance for Drivers with a DUI in Chula Vista? (FAQ)
- How Much are Chula Vista Car Insurance Quotes for a Chevrolet Silverado? (FAQ)
- Who Has Affordable Chula Vista Auto Insurance Rates for a Ford Edge? (FAQ)
- State Car Insurance Guides (GEICO)
- Anti-Lock Brake FAQ (iihs.org)
- Auto Insurance FAQ (Farmers Insurance)