The words “economical” and “auto insurance” really shouldn’t be used in the same sentence, especially when you are shopping around for the cheapest car insurance for drivers over age 70. Because of the high cost, let’s start the ball rolling by going over some things that help determine car insurance prices, and find a way to slash the price of your next policy.
The type of vehicle on the policy is one of the biggest factors that determines whether or not you can buy cheaper auto insurance for drivers over age 70. Vehicles with lots of speed or power, a lack of advanced safety features, or high incidents of liability claims will cost quite a bit more to insure than more economical and safe models. The information below showcases car insurance prices for a number of the most economical vehicles to insure in California.
|Vehicle Make and Model||Estimated Cost for Full Coverage|
|Honda Accord LX-P 4-Dr Sedan||$950|
|Hyundai Elantra GLS Touring Station Wagon||$956|
|Ford Escape XLS 4WD||$950|
|Honda CR-V EX 4WD||$966|
|Ford F-150 STX Regular Cab 2WD||$1,052|
|Ford Explorer Eddie Bauer 2WD||$1,068|
|Ford Edge Limited 2WD||$1,112|
|Chevrolet Equinox LT 2WD||$1,128|
|Toyota Camry LE||$1,138|
|GMC Sierra SLE Regular Cab 2WD||$1,128|
|Nissan Altima 2.5 4-Dr Sedan||$1,138|
|Toyota RAV4 2WD||$1,128|
|Chevrolet Malibu LS||$1,138|
|Dodge Grand Caravan Crew||$1,142|
|Honda Civic LX 4-Dr Sedan||$1,170|
|Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr||$1,180|
|Toyota Tacoma X-Runner 2WD||$1,186|
|Chevrolet Impala LTZ||$1,194|
|Toyota Corolla XRS||$1,200|
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Data based on single male driver age 70, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Price estimates do not factor in specific garaging location which can influence insurance rates substantially.
Looking at the rates, we can expect models like the Honda Accord, Hyundai Elantra, Ford Escape, and Honda CR-V are going to be a few of the most budget-friendly vehicles to insure for older drivers. The cost of a car insurance policy will tend to be more expensive just because there is a higher risk for drivers over age 70, but generally speaking those makes and models will probably have the least expensive rates possible.
For older drivers, one of the big considerations that are used to help calculate auto insurance rates is where your residence is in Chula Vista. Areas with more people or higher crime rates tend to pay more, whereas areas with less crime or weather claims have the enjoyment of a little cheaper coverage.
The next table ranks the most expensive areas in California for drivers over age 70 to purchase a policy in. Chula Vista shows up at #24 having an annual price of $1,311 on average, which is around $109 per month.
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Table data uses comparative as the specific geographic location can affect insurance rates greatly.
Impact of violations and accidents on rates
The best way to score affordable insurance prices in Chula Vista for older drivers is to drive safe and avoid accidents and traffic violations. The diagram below shows how speeding tickets and at-fault fender-benders can influence auto insurance costs for each different age category. The rate quotes are based on a single female driver, full coverage, $500 deductibles, and no other discounts are factored in.
In the chart above, the average cost of a car insurance policy in California per year with no violations or accidents is $1,978. Get written up for one speeding ticket and the average cost surges to $2,243, an increase of $265 each year. Now add two accidents along with the one speeding ticket and the yearly cost of insurance for drivers over age 70 goes up to an average of $4,627. That’s an increase of $2,649, or $221 per month, just for being a less-than-perfect driver!
Choosing a highly-rated car insurance company can be challenging considering how many companies there are in California. The information below can help you decide which car insurance providers to look at when trying to find cheaper insurance for drivers over age 70. The ratings below only include companies who write in the majority of U.S. states, so companies that may only write in California are not taken into consideration for this list.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
|AAA of Southern California||91||94||97||92%||A+||94.1|
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Data Source: Insure.com Best Car Insurance Companies
The example below illustrates how choosing a deductible can impact insurance costs when getting quotes for cheap insurance for drivers over age 70. The premium estimates are based on a single male driver, full physical damage coverage, and no discounts are factored in.
In the chart above, a 40-year-old driver could lower their car insurance rates by $436 a year by increasing from a $100 deductible up to a $500 deductible, or save $656 by changing to a $1,000 deductible. Even younger insureds, like the Age 20 category, could drop their prices $1,432 annually just by choosing larger deductibles.
When choosing a higher deductible, it is necessary to have additional funds squirreled away to enable you to pay the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.
If you prefer to have a professional recommendation when trying to find lower insurance rates for drivers over age 70, the insurance agencies listed below are willing to help you decide which car insurance policy is best.
To find a Chula Vista insurance agent close to you, click the button after the list or click here to compare price quotes.
Carlos Solorzano – State Farm Insurance Agent
1105 Broadway #202 – Chula Vista, CA 91911 – (619) 420-7000
Insurance Place – Chula Vista
713 Broadway # A – Chula Vista, CA 91910 – (619) 409-7650
Hoffman Hanono Insurance Agency
2090 Otay Lakes Rd #102 – Chula Vista, CA 91915 – (619) 420-1861
Brian Konishi – Allstate Insurance Agent
786 Third Ave – Chula Vista, CA 91910 – (619) 426-6580