The make and model of vehicle requiring insurance is a significant factor when comparing quotes for the best cheap auto insurance for veterans. Vehicles with more horsepower, a lack of advanced safety features, or a track record of large liability claims will cost more to insure than safer, lower-performance models.
The next table showcases coverage prices for a selection of the cheaper automobiles to buy insurance for.
|Vehicle Insured||Estimated Cost for Full Coverage|
|Ford Escape XLS 4WD||$860|
|Honda CR-V EX-L 4WD||$880|
|Hyundai Elantra GLS Touring Station Wagon||$888|
|Honda Odyssey EX W/Rear Entertainment||$916|
|Jeep Grand Cherokee Laredo 4WD||$934|
|Jeep Wrangler Rubicon 4WD 2-Dr||$964|
|Ford Explorer XLT AWD||$971|
|Ford Edge Sport AWD||$984|
|Toyota Corolla XLE||$993|
|Toyota Tacoma 2WD||$1,000|
|Hyundai Sonata GLS 4-Dr Sedan||$1,006|
|Nissan Altima 3.5 SR 4-Dr Sedan||$1,000|
|Dodge Grand Caravan CV||$1,002|
|Toyota RAV4 Limited 4WD||$1,020|
|Chevrolet Equinox LT 2WD||$1,027|
|Chevrolet Impala LS||$1,028|
|Ford F-150 Lariat Super Cab 2WD||$1,040|
|Honda Civic LX-S 4-Dr Sedan||$1,056|
|Chevrolet Silverado 2500HD LT Crew Cab Diesel 4WD||$1,068|
|Ford Focus SES 4-Dr Sedan||$1,076|
|Chevrolet Malibu LT||$1,083|
|Chevrolet Silverado 3500HD LTZ Crew Cab Diesel 2WD||$1,086|
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Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Premium amounts do not factor in specific zip code location which can alter insurance rates noticeably.
Looking at the rates, we can conclude that makes and models like the Ford Escape, Honda CR-V, Hyundai Elantra, and Honda Odyssey will be a few of the cheaper vehicles to insure for veterans.
Shopping around for cheap auto insurance is not easy, and deciding which companies offer the best car insurance rates for veterans involves a little more work. Each auto insurer uses their own formula for setting rates, so first let's look at the rankings for the car insurance companies that tend to have lower prices in Chula Vista, CA.
Find Cheaper Auto Insurance for Vets
|Rank||Company||Cost Per Year|
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USAA quotes some of the most affordable car insurance rates in Chula Vista at around $1,121 each year. This is $530 less than the average rate paid by California drivers of $1,651. Wawanesa, Century National, Nationwide, and CSAA are also some of the lowest-priced Chula Vista, CA auto insurance companies.
As shown in the table above, if you buy coverage from Nationwide and switched to Wawanesa, you might achieve savings of in the neighborhood of $45. California drivers with CSAA might save as much as $53 a year, and 21st Century insureds might cut rates by $144 a year.
To find the cheapest rates for your vehicle, click here or feel free to get quotes from the companies below.
Bear in mind that those policy prices are averages across all ages of drivers and types of vehicles and and are not figured with a vehicle location for veterans. So the auto insurance company that is most affordable for your situation may not even be in the top 24 companies in the list above. That's why you need to get rate quotes using your own personal information and vehicle type.
One of the more important components that help determine the price you pay for insurance is where your car is garaged in Chula Vista. More populated areas are more likely to have higher rates, whereas areas with less congestion have the gratification of cheaper auto insurance rates.
The following table rates the highest-priced areas in California for veterans to buy car insurance in. Chula Vista ranks #25 with the annual price of $1,311 for the average policy, which is about $109 monthly.
|Rank||City||Average Per Year|
|Start a Quote Go|
Rate information is estimated as the specific garaging location can alter auto insurance rates considerably.
How to find a good Chula Vista car insurance company
Picking a good quality insurance provider is hard considering how many companies are available to choose from in California. The company rank data shown next may help you pick which insurers to look at when comparing rates.
These rankings are only made up of the largest auto insurers in America, so smaller companies that only insure vehicles in California are not included in this list. To check prices from many more California auto insurance companies, click here.
Top 10 Major Auto Insurers in Chula Vista Ranked by Customer Service
- AAA of Southern California
- State Farm
- The Hartford
- Mercury Insurance
- The General
- AAA Insurance
- American Family
Top 10 Major Auto Insurers in Chula Vista Ranked by Customer Satisfaction
- Titan Insurance - 95%
- USAA - 94%
- AAA of Southern California - 92%
- AAA Insurance - 91%
- Nationwide - 90%
- State Farm - 90%
- The Hartford - 89%
- GEICO - 89%
- The General - 88%
- 21st Century - 88%
How to get discounts on Chula Vista auto insurance rates
Insurers that sell policies for veterans may also give you price discounts that can lower rates by as much as 25% or more if you meet eligibility requirements. A few popular companies and some of the premium reductions they offer can be read below.
- American Family has savings for TimeAway discount, good student, mySafetyValet, bundled insurance, accident-free, and air bags.
- Farm Bureau includes discounts for good student, driver training, youthful driver, renewal discount, 55 and retired, and safe driver.
- State Farm policyholders can earn discounts including passive restraint, driver's education, good student, Steer Clear safe driver discount, defensive driving training, and anti-theft.
- Travelers offers discounts for home ownership, save driver, hybrid/electric vehicle, continuous insurance, and driver training.
- The Hartford offers discounts including driver training, defensive driver, bundle, anti-theft, vehicle fuel type, and good student.
- GEICO has discounts for federal employee, anti-lock brakes, driver training, good student, and defensive driver.
- Progressive may offer discounts for online signing, good student, multi-vehicle, continuous coverage, multi-policy, and online quote discount.
The example below illustrates the difference between insurance costs with and without discounts being applied to the rates. The data is based on a female driver, no claims or driving citations, California state minimum liability limits, full coverage, and $250 deductibles.
The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with passive restraint, anti-theft, claim-free, homeowner, multiple policy, and marriage discounts applied. When drivers qualify for the discounts, the average savings per year on car insurance for veterans is 28% or $819.
Full coverage or liability only
Reducing premiums for car insurance is probably important to the majority of drivers, and one great way to find cheap insurance for veterans is to only pay for liability coverage. The illustration below compares auto insurance costs when comparing full coverage to liability only. The rate quotes are based on no accidents, no driving violations, $100 deductibles, single status, and no additional discounts are factored in.
If we average the cost for ages 20 through 70, physical damage coverage on your policy costs $2,525 per year more than just insuring for liability. A very common question is if you should buy full coverage at all. There is no specific rule that is best for determining when to drop full coverage, but there is a general school of thought. If the yearly cost of full coverage is 10% or more of any settlement you would receive from your insurance company, then it's probably a good time to buy liability coverage only.
How to find the cheapest auto insurance for veterans
The list below details some of the recommended penny-pinching solutions that can help you find lower-cost car insurance.
- Try to not file small claims
- Avoid at-fault accidents and claims
- Violations like speeding or DUI increase rates
- Higher deductibles mean lower rates
- Remove physical damage coverage on older vehicles
- Compare rates and switch if you can find a better deal
That last tip is particularly important, as was pointed out in the article above. Coverage prices in Chula Vista vary greatly, so drivers shouldn't be reluctant to buy from a new company if a lower-cost policy is available. Having a favorite company is great, but it's not a great idea if it's costing you major coinage every year. In less than five minutes you could compare prices and find cheaper car insurance for veterans.
If you have questions and prefer to get help from a professional when shopping around for cheaper insurance for veterans, the agents listed below can answer your questions and help you decide which auto insurance policy would work best for you. To find an agent close to where you live, click the button link following the list.
Mark G Witcher - State Farm Insurance Agent
945 Otay Lakes Rd k - Chula Vista, CA 91913 - (619) 656-4200
Farmers Insurance Group, Julio V. Vega
541 H St - Chula Vista, CA 91910 - (619) 426-0554
Farmers Insurance - Raul Paredes
208 3rd Ave - Chula Vista, CA 91910 - (619) 651-1900
Farmers Insurance: Julie Garcia
2060 Otay Lakes Rd Ste 240 - Chula Vista, CA 91915 - (619) 401-1104
Allstate Insurance: Brian Konishi
45 Third Ave Ste 104 - Chula Vista, CA 91910 - (619) 426-6580