It’s safe to conclude that auto insurance companies don’t want their customers to go rate shopping. People who shop around for a cheaper policy will most likely buy a new policy because they have good chances of finding lower rate quotes. A recent survey revealed that drivers who regularly compared price quotes saved approximately $865 a year as compared to drivers who never shopped around.
If finding the best price on auto insurance is your target objective, then having a grasp of the best way to shop and compare coverage rates can help you succeed in finding affordable rates.
The easiest way to quote cheaper auto insurance rates in Chula Vista is to compare prices once a year from companies who provide car insurance in California.
Step 1: Try to learn about the different coverages in a policy and the modifications you can make to keep rates in check. Many rating criteria that result in higher prices like accidents, careless driving, and an imperfect credit score can be improved by paying attention to minor details. Keep reading for more details to get lower rates and find available discounts that you may qualify for.
Step 2: Compare price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only quote rates from a single company like GEICO and State Farm, while agents who are independent can give you price quotes for a wide range of companies.
Step 3: Compare the new rate quotes to your existing policy and see if you can save money. If you find a lower rate quote and buy the policy, make sure coverage is continuous and does not lapse.
Step 4: Tell your current agent or company of your intent to cancel your current coverage. Submit a down payment and signed policy application for your new policy. As soon as coverage is bound, safely store the proof of insurance paperwork in your vehicle’s glove compartment or console.
An important part of this process is that you use identical coverages on each quote and to quote with as many different insurance providers as possible. Doing this guarantees an accurate price comparison and a complete price analysis.
Quote Chula Vista Toyota Venza insurance online
All the larger insurance companies make it easy to get price estimates from their websites. Obtaining pricing for Toyota Venza insurance in Chula Vista is possible for anyone as you just enter your coverage preferences as requested by the quote form. Once you submit the form, the system obtains information on your driving record and credit history and gives you a price quote based on the information you submitted. This helps simplify price comparisons, and it is imperative to do this in order to find lower-cost prices.
In order to find out what other companies charge, visit the companies below or click here to submit a quote request to multiple companies at once. If you currently have coverage, we recommend that you enter deductibles and limits as close as possible to your current policy. This ensures you’re receiving rate quotes using the exact same coverages.
The providers in the list below offer price comparisons in California. In order to find cheap car insurance in CA, we recommend you visit as many as you can to find the most affordable car insurance rates.
Buying the right vehicle insurance in California is an important decision
Even though it can be expensive, insuring your vehicle is required for several reasons.
- The majority of states have minimum liability requirements which means state laws require a minimum amount of liability insurance coverage in order to get the vehicle licensed. 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 vehicle, most lenders will have a requirement that you buy insurance to guarantee their interest in the vehicle. If you do not pay your insurance premiums, the lender may have to buy a policy to insure your Toyota for a much higher rate and require you to reimburse them the higher premium.
- Car insurance protects both your assets and your Toyota Venza. It will also pay for medical bills for you, any passengers, and anyone injured in an accident. Liability coverage will also pay for a defense attorney if someone files suit against you as the result of an accident. If your vehicle suffers damage from an accident or hail, your car insurance policy will pay to repair the damage minus the deductible amount.
The benefits of having insurance are without a doubt worth the cost, especially if you ever need it. Unknowingly, the average driver is overpaying over $850 per year so you should quote rates every year to be sure current rates are still competitive.
Detailed insurance information
The information displayed next covers different insurance policy prices for Toyota Venza models. Having knowledge of how rates are calculated can be valuable when making informed decisions when comparing rate quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Venza 2WD 4-Dr | $286 | $502 | $456 | $26 | $136 | $1,406 | $117 |
| Venza AWD 4-Dr | $286 | $502 | $456 | $26 | $136 | $1,406 | $117 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Rate quotes do not factor in Chula Vista location which can influence coverage rates considerably.
Where to set your deductibles
One common question asked by Chula Vista drivers is where to set your physical damage deductibles. The rates below show the costs and benefits when you select higher and lower physical damage coverage deductibles. The first set of rates uses a $250 deductible for physical damage and the second set of prices uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Venza 2WD 4-Dr | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| Venza AWD 4-Dr | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Venza 2WD 4-Dr | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| Venza AWD 4-Dr | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Rate information does not factor in specific garaging location which can influence price quotes considerably.
Based on this data, we can arrive at the conclusion that using a $250 deductible will cost you roughly $19 more each month or $228 a year averaged for all Venza models than quoting the higher $500 deductible. Since the policyholder would be required to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you tend to go more than 13 months between claim filings, you would save money going with the higher deductible.
The example below shows how choosing a deductible and can change Toyota Venza insurance costs for different age categories. The data is based on a married male driver, full coverage, and no discounts are applied to the premium.
Comparison of auto insurance rates by gender
The example below shows the comparison of Toyota Venza premium costs for male and female drivers. The rate quotes are based on a clean driving record, no at-fault accidents, comp and collision included, $500 deductibles, drivers are not married, and no additional discounts are factored in.
Does full coverage make sense?
The diagram below illustrates the comparison of Toyota Venza insurance costs with and without full coverage. The prices are based on no claims, a clean driving record, $250 deductibles, single status, and no discounts are taken into consideration.
When to drop comprehensive and collision
There is no specific rule to stop buying physical damage coverage on your policy, but there is a general school of thought. If the yearly cost of comp and collision coverage is about 10% or more of any settlement you would receive from your insurance company, then you might want to consider buying only liability coverage.
For example, let’s say your Toyota Venza book value is $9,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $8,000 after paying the physical damage deductible. If premiums are more than $800 a year for comprehensive and collision coverage, then it could be time to drop full coverage.
There are a few cases where dropping full coverage is not a good idea. If you still owe money on your vehicle, you have to keep full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should not eliminate full coverage.
Discounts can help to save on Toyota Venza insurance in Chula Vista
Some providers do not list all possible discounts very well, so we break down both the well known as well as some of the hidden discounts that you can inquire about if you buy Chula Vista car insurance online.
- Save with More Vehicles Insured – Buying insurance for all your vehicles on a single policy can reduce rates for all insured vehicles.
- Discount for Low Mileage – Low mileage vehicles can earn substantially lower rates.
- Seat Belts Save – Drivers who require all occupants to fasten their seat belts can save up to 15% off the PIP or medical payment premium.
- Early Renewal Discounts – A few companies offer discounts for buying a new policy prior to your current Venza insurance policy expiring. It can save you around 10%.
- Discount for New Cars – Buying a new car model may earn a small discount because newer models are generally safer.
- Senior Citizens – Older drivers are able to get better auto insurance rates.
- Air Bag Discount – Factory options such as air bags or automatic seat belts can receive discounts of 20 to 30 percent.
- Defensive Driver – Taking part in a course that instructs on driving safety can save you 5% or more and make you a better driver.
Discounts lower rates, but most credits do not apply to the entire policy premium. The majority will only reduce individual premiums such as comprehensive or collision. If you do the math and it seems like all the discounts add up to a free policy, you aren’t that lucky.
The diagram below visualizes the comparison of Toyota Venza auto insurance rates with and without discounts applied to the premium. The information is based on a male driver, no claims or violations, California state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, multi-car, marriage, claim-free, and multi-policy discounts applied.
Large auto insurance companies and some of the premium reductions they offer can be found below.
- American Family policyholders can earn discounts including Steer into Savings, bundled insurance, early bird, defensive driver, good driver, and air bags.
- Farm Bureau may have discounts that include multi-policy, renewal discount, 55 and retired, youthful driver, and multi-vehicle.
- State Farm has savings for anti-theft, safe vehicle, accident-free, multiple policy, good driver, Steer Clear safe driver discount, and Drive Safe & Save.
- Travelers offers premium reductions for driver training, save driver, new car, student away at school, good student, and IntelliDrive.
- The Hartford discounts include air bag, good student, bundle, driver training, and defensive driver.
- GEICO offers discounts for federal employee, membership and employees, anti-theft, military active duty, good student, anti-lock brakes, and air bags.
- Progressive may offer discounts for good student, online signing, multi-vehicle, homeowner, continuous coverage, multi-policy, and online quote discount.
Before buying, ask all companies you are considering the best way to save money. A few discounts might not be offered on policies in Chula Vista. If you would like to see a list of insurers that offer discounts in Chula Vista, click here to view.
What if I want to buy from local Chula Vista insurance agencies?
Some people would rather buy from a local agent and that is a smart decision The biggest benefit of comparing car insurance online is you can get the best rates and still have a local agent. Buying from and supporting local insurance agencies is especially important in Chula Vista.
Upon completion of this short form, your coverage information gets sent to companies in Chula Vista that give free quotes for your coverage. You never need to leave your computer due to the fact that quote results will go straight to your inbox. You can find lower rates without requiring a lot of work. If you have a need to compare prices from one company in particular, you just need to jump over to their website to submit a rate quote request.
If you need to find an insurance agent, you should know the different types of agencies and how they are slightly different. Car insurance policy providers are considered either independent or exclusive depending on the company they work for.
Independent Agents
Independent agents are not restricted to one company and that is an advantage because they can write policies with multiple insurance companies and get you the best rates possible. If you want to switch companies, an independent agent can move your coverage and you don’t have to switch agencies. If you need lower rates, you will definitely want to check rates from multiple independent agents so that you can do a thorough price comparison.
The following is a partial list of independent agencies in Chula Vista that can possibly get you comparison quotes.
Daylight Insurance Brokerage
900 Lane Ave #128 – Chula Vista, CA 91914 – (619) 240-7164 – View Map
L A Insurance
202 Broadway – Chula Vista, CA 91910 – (619) 476-1800 – View Map
Garrison Insurance Agency, Inc
553 Telegraph Canyon Rd – Chula Vista, CA 91910 – (800) 701-5909 – View Map
Exclusive Car Insurance Agents
Exclusive insurance agents can usually just insure with one company and examples are Allstate, Farmers Insurance or State Farm. They usually cannot provide prices from multiple companies so if the price isn’t competitive there isn’t much they can do. These agents are usually quite knowledgeable on the products they sell which helps offset the inability to provide other markets.
Shown below are Chula Vista exclusive agencies that are able to give price quotes.
Allstate Insurance: Jorge Zayas
1750 E Palomar St Ste 5 – Chula Vista, CA 91913 – (619) 656-8828 – View Map
Farmers Insurance: Julie Garcia
2060 Otay Lakes Rd Ste 240 – Chula Vista, CA 91915 – (619) 401-1104 – View Map
Allstate Insurance: Barry L. St. Onge
651 3rd Ave a – Chula Vista, CA 91910 – (619) 426-7885 – View Map
Choosing an insurance agency is decision based upon more than just the price. These are some questions you should get answers to.
- Do they write coverage based solely on cost?
- Has the agent ever had any license suspensions?
- If you are a high risk driver, do they have special markets for your coverage?
- Can you choose the body shop in case repairs are needed?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Will they make sure you get an adequate claim settlement?
- What are their preferred companies if they are an independent agency?
- Will your rates increase after a single accident?
How do I know if I need professional advice?
When it comes to buying proper insurance coverage, there really is not a single plan that fits everyone. Everyone’s situation is a little different and a cookie cutter policy won’t apply.
For example, these questions may help highlight whether or not you could use an agent’s help.
- How does medical payments coverage work?
- When should my teen driver be added to my policy?
- Are my friends covered when driving my Toyota Venza?
- Where can I find DUI or SR-22 insurance?
- Can I get a multi-policy discount?
- Are there any extra discounts I can get?
- Is water damage covered by my policy?
- Do I need medical payments coverage since I have good health insurance?
If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area.
In Summary
Lower-priced insurance in Chula Vista can be sourced both online as well as from independent agents in Chula Vista, and you need to price shop both to have the best selection. Some insurance providers don’t offer online rate quotes and most of the time these smaller providers work with local independent agencies.
As you prepare to switch companies, you should never skimp on coverage in order to save money. There are too many instances where consumers will sacrifice liability coverage limits to discover at claim time that their decision to reduce coverage ended up costing them more. The proper strategy is to buy enough coverage at the best possible price and still be able to protect your assets.
Additional resources
- Keeping Children Safe in Crashes Video (iihs.org)
- Who Has the Cheapest Auto Insurance Rates for Postal Workers in Chula Vista? (FAQ)
- What Car Insurance is Cheapest for Teenage Males in Chula Vista? (FAQ)
- Who Has Cheap Auto Insurance for Safe Drivers in Chula Vista? (FAQ)
- How Much is Auto Insurance for a Jeep Grand Cherokee in Chula Vista? (FAQ)
- Crash Avoidance Technologies FAQ (iihs.org)
- Coverage Information (Progressive Insurance)
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)