Would you like an easy way to compare lower-priced auto insurance rates in Chula Vista, CA? Chula Vista drivers have lots of choices when trying to find the lowest priced Volkswagen Golf SportWagen insurance. You can either waste hours struggling with agents to get rate comparisons or save time using the internet to make rate comparisons. There are both good and bad ways to buy auto insurance and you need to know the best way to get price quotes for a new or used Volkswagen and locate the cheapest rates either online or from Chula Vista insurance agents.
It is always a good idea to compare premium rates every six months because prices tend to go up over time. Despite the fact that you may have had the best rates on Volkswagen Golf SportWagen insurance in Chula Vista at your last renewal a different company probably has better premium rates today. Forget anything you know (or think you know) about auto insurance because you’re about to find out the best way to find the best coverage while lowering your premiums.
If you are insured now or are looking for a new policy, you will benefit by learning to get lower rates and possibly find even better coverage. Our goal in writing this article familiarize you with the best way to buy inexpensive car insurance and how you can save the most money. Drivers just have to learn the quickest way to compare different rates online from multiple companies.
The providers in the list below provide comparison quotes in Chula Vista, CA. In order to find cheap car insurance in California, we recommend you visit two to three different companies in order to get a fair rate comparison.
Car insurance is not optional but you don’t have to overpay
Despite the fact that car insurance is not cheap in Chula Vista, paying for car insurance serves several important purposes.
- Just about all states have minimum mandated liability insurance limits which means state laws require specific limits of liability insurance 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.
- If you have a loan on your Volkswagen Golf SportWagen, almost all lenders will make it mandatory that you have insurance to protect their interest in the vehicle. If you do not pay your insurance premiums, the lender will be forced to insure your Volkswagen at a much higher premium rate and force you to reimburse them a much higher amount than you were paying before.
- Car insurance protects not only your Volkswagen Golf SportWagen but also your financial assets. It will also reimburse you for most medical and hospital costs incurred in an accident. Liability coverage, the one required by state law, 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 (other-than-collision) and collision coverage will pay to have it repaired.
The benefits of insuring your car more than offset the price you pay, especially when you need to use it. In a recent study of 1,000 drivers, the average customer is overpaying more than $855 a year so compare rates at every renewal to ensure rates are inline.
Lower Your Chula Vista Insurance Rates
The best way to find cheaper auto insurance is to take a look at the rating factors that help calculate the level of your policy premiums. If you have a feel for what positively or negatively impacts your premiums, this helps enable you to make changes that could result in lower rates. Lots of factors are part of the equation when you quote your car insurance policy. Some factors are common sense like a motor vehicle report, although some other factors are more obscure such as your marital status and annual miles driven.
The items below are a partial list of the pieces used by your company to calculate premiums.
- Big city or small town – Having an address in areas with lower population may provide you with better prices when shopping for auto insurance. Fewer drivers and short commutes translates into fewer accident claims. Drivers who live in large California cities regularly have much more traffic and a longer drive to work. Longer commute distances statistically corresponds to a higher accident and claim rate.
- Tickets hurt – Your driving record has a lot to do with how much you pay for insurance. Good drivers pay lower auto insurance prices than their less careful counterparts. Having a single citation could increase your next policy renewal by as much as thirty percent. Drivers unfortunate enough to have severe violations such as reckless driving, hit and run or driving under the influence may face state-mandated requirements to file a proof of financial responsibility form (SR-22) with their state’s department of motor vehicles in order to legally drive a vehicle.
- If you don’t need it don’t buy it – There are a ton of extra bells and whistles that you can get tricked into buying on your Golf SportWagen policy. Add-on coverages like personal injury protection, towing, and motor club memberships could be just wasting money. They may seem good initially, but if they’re wasting money think about removing them and cutting costs.
- Rate your vehicle for proper use – The more you drive your Volkswagen in a year the more you’ll pay to insure your vehicle. Almost all companies calculate rates partially by how you use the vehicle. Cars and trucks used primarily for pleasure use get more affordable rates than cars that get driven a lot. Improper usage on your Golf SportWagen is throwing money out the window. Make sure your vehicle rating properly reflects the correct driver usage, because improper ratings can cost you money.
- Pay less with a high NHTSA crash test rating – Vehicles with good safety scores tend to be cheaper to insure. Vehicles built for safety reduce occupant injuries and lower injury rates means less money paid by your insurance company and lower rates for you. If your Volkswagen has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
- Auto insurance policy lapses increase auto insurance rates – Not having insurance is not a good idea and you may have a hard time finding new coverage because you let your insurance coverage expire. And not only will insurance be more expensive, not being able to provide proof of insurance may result in a steep fine or even jail time. You may have to submit proof of financial responsibility or a SR-22 with the California motor vehicle department.
- Consolidate policies with the same company – Lots of insurance companies provide lower prices for people that buy multiple policies, otherwise known as a multi-policy discount. The discount can be 10 percent or more. Even if you’re getting this discount you still need to compare Volkswagen Golf SportWagen rates in Chula Vista to help ensure you have the lowest rates.
Save a ton with discounts
Buying car insurance is not cheap, but you may qualify for discounts to help offset the cost. Most are applied at the time of purchase, but a few must be asked about in order for you to get them.
- Low Mileage – Low annual miles could earn lower premium rates on the low mileage vehicles.
- E-sign Discounts – Some insurance companies will discount your bill up to fifty bucks for buying your policy online.
- Chula Vista Homeowners Pay Less – Simply owning a home can earn you a little savings since owning and maintaining a home shows financial diligence.
- Theft Prevention Discount – Vehicles optioned with advanced anti-theft systems are stolen with less frequency and that can save you a little bit as well.
- Organization Discounts – Joining a qualifying organization could qualify you for a break on your policy.
- Discounts for Seat Belt Usage – Forcing all vehicle occupants to use their safety belts can save up to 15% on the medical payments or PIP coverage costs.
- Senior Discount – Older drivers may be able to get a slight reduction on a Chula Vista car insurance quote.
- Cautious Driver Discount – Accident-free drivers can get discounts for up to 45% lower rates as compared to drivers with claims.
- Student Discounts – This discount can be rewarded with saving of up to 25%. Most companies allow this discount well after school through age 25.
- Anti-lock Brakes – Cars that have anti-lock braking systems can avoid accidents and will save you 10% or more on Golf SportWagen insurance in Chula Vista.
Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to the entire policy premium. Most only apply to the price of certain insurance coverages like medical payments or collision. Just because it seems like adding up those discounts means a free policy, it just doesn’t work that way. Any qualifying discounts should help lower the cost of coverage.
A list of car insurance companies and some of their more popular discounts can be found below.
- American Family may include discounts for TimeAway discount, accident-free, good driver, good student, defensive driver, multi-vehicle, and bundled insurance.
- Farm Bureau discounts include multi-policy, safe driver, good student, 55 and retired, and multi-vehicle.
- State Farm may offer discounts for anti-theft, defensive driving training, passive restraint, Steer Clear safe driver discount, safe vehicle, accident-free, and student away at school.
- Travelers offers discounts for IntelliDrive, good student, driver training, save driver, and continuous insurance.
- The Hartford offers discounts including bundle, good student, vehicle fuel type, anti-theft, air bag, and defensive driver.
- GEICO policyholders can earn discounts including air bags, defensive driver, multi-vehicle, anti-theft, and anti-lock brakes.
- Progressive offers premium reductions for multi-policy, multi-vehicle, homeowner, continuous coverage, online quote discount, good student, and online signing.
Double check with every company which discounts you may be entitled to. Some of the discounts discussed earlier may not be offered in your state.
Situations that may require an agent’s advice
Keep in mind that when it comes to choosing coverage, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs and your policy should reflect that.
For example, these questions can aid in determining whether your personal situation may require specific advice.
- Why is insurance for a teen driver so high in Chula Vista?
- Is water damage covered by my policy?
- Am I covered when using my vehicle for business?
- Is motorclub coverage worth it?
- Do I have coverage when using my vehicle for my home business?
- Is business equipment covered while in my vehicle?
- Does my policy cover me if I wreck while driving under the influence?
- How can I force my company to pay a claim?
- Can I afford low physical damage deductibles?
If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier It is quick, free and can help protect your family.
Insurance agent or online?
Many people would prefer to have an agent’s advice and that is OK! Professional agents can help you build your policy and help in the event of a claim. The best thing about comparing rates online is the fact that drivers can get cheap auto insurance quotes and still have a local agent.
To help locate an agent, after submitting this form (opens in new window), the coverage information gets sent to insurance agents in Chula Vista who will give you quotes for your business. It simplifies rate comparisons since you won’t have to even leave your home because quoted prices will be sent instantly to you. If for some reason you want to quote rates from a particular provider, you just need to visit that company’s website and fill out the quote form the provide.
Deciding on an insurance company should depend on more than just the bottom line cost. Agents should be asked these questions:
- Are aftermarket or OEM parts used to repair vehicles?
- How often do they review coverages?
- What is the agency’s Better Business Bureau rating?
- Did they already check your driving record and credit reports?
- Do they get extra compensation for selling add-on coverages?
If you want a reputable agency, there are a couple of different types of agencies and how they are distinctly different. Insurance agencies in Chula Vista can be described as either exclusive or independent agents depending on their company appointments. Both types can provide auto insurance policies, but it’s worth mentioning the differences since it can impact the type of agent you choose.
Exclusive Agencies
Exclusive insurance agents write business for a single company and examples are State Farm, Allstate, or Farmers Insurance. They are unable to provide prices from multiple companies so they really need to provide good service. Exclusive agents are usually quite knowledgeable on their products and sales techniques which helps them sell on service rather than price. Consumers often purchase coverage from exclusives mainly due to loyalty to the company and the convenience of having all coverages with one company.
The following are Chula Vista exclusive agents that are able to give price quote information.
- Mark G Witcher – State Farm Insurance Agent
945 Otay Lakes Rd k – Chula Vista, CA 91913 – (619) 656-4200 – View Map - Lee Meyer – State Farm Insurance Agent
826 Starboard St – Chula Vista, CA 91914 – (619) 656-5020 – View Map - Farmers Insurance: Julie Garcia
2060 Otay Lakes Rd Ste 240 – Chula Vista, CA 91915 – (619) 401-1104 – View Map
Independent Agencies or Brokers
Independent agencies are not employed by one company and that gives them the ability to insure with multiple insurance companies and find you cheaper rates. If premiums increase, they simply switch companies in-house which is easy for the insured. If you need lower rates, you need to get quotes from at a minimum one independent agency to ensure the widest selection of prices. Most have the option of insuring with companies you’ve never heard of that may provide cheaper auto insurance rates.
The following is a short list of independent agencies in Chula Vista that can give you rate quotes.
- Elect Insurance Center
1229 Third Ave c – Chula Vista, CA 91911 – (619) 425-3532 – View Map - Harlem Insurance
357 Broadway – Chula Vista, CA 91910 – (619) 576-3250 – View Map - Robert Osorio Insurance
513 Windy Way – Chula Vista, CA 91914 – (619) 216-0991 – View Map
Car insurance companies ranked
Choosing a good quality auto insurance provider can be rather challenging considering how many different companies there are to choose from in California. The company information below could help you decide which auto insurers you want to consider to insure your vehicles.
| 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 lowest price
Some insurance providers don’t offer the ability to get quotes online and these small, regional companies prefer to sell through independent insurance agents. Cheap Volkswagen Golf SportWagen insurance in Chula Vista is definitely available on the web and with local Chula Vista insurance agents, and you need to comparison shop both to have the best rate selection.
We’ve covered quite a bit of information on how to find cheap Volkswagen Golf SportWagen insurance in Chula Vista. The key concept to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Drivers may even discover the best price on auto insurance is with a smaller regional carrier. They may have significantly lower rates on certain market segments than the large multi-state companies such as Allstate or State Farm.
While you’re price shopping online, it’s not a good idea to buy less coverage just to save a little money. Too many times, an accident victim reduced collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your goal is to find the BEST coverage at a price you can afford, but don’t skip important coverages to save money.
How to buy low-cost Volkswagen Golf SportWagen insurance in Chula Vista
If your goal is the lowest price, then the best way to find lower priced Volkswagen Golf SportWagen insurance is to regularly compare price quotes from insurers that sell auto insurance in Chula Vista.
- Gain an understanding of individual coverages and the measures you can control to drop your rates. Many factors that are responsible for high rates such as traffic citations, accidents, and a not-so-good credit rating can be rectified by making small lifestyle or driving habit changes.
- Compare price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only quote rates from a single company like Progressive or Allstate, while independent agencies can quote rates for a wide range of companies.
- Compare the new rate quotes to your existing rates to see if cheaper Golf SportWagen coverage is available in Chula Vista. If you can save some money and make a switch, make sure there is no lapse between the expiration of your current policy and the new one.
- Tell your current company of your intention to cancel your current policy and submit the required down payment along with the signed application to the new company. Be sure to place the new proof of insurance paperwork in an easily accessible location in your vehicle.
The critical component of shopping around is to make sure you’re comparing identical limits and deductibles on every price quote and and to look at as many carriers as you can. Doing this enables an apples-to-apples comparison and the best price selection.
Additional auto insurance information can be found at the links below
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)
- What Auto Insurance is Cheapest for a Ford Escape in Chula Vista? (FAQ)
- Who Has Cheap Auto Insurance Quotes for a Toyota Highlander in Chula Vista? (FAQ)
- How Much are Car Insurance Rates for Welfare Recipients in Chula Vista? (FAQ)
- Who Has Affordable Chula Vista Auto Insurance Rates for a Ford Edge? (FAQ)
- Neck Injury FAQ (iihs.org)
- What does Personal Injury Protection (PIP) Cover? (Allstate)
- New head restraint design cuts injuries (Insurance Institute for Highway Safety)