Who Has Affordable Auto Insurance for Veterans in Chula Vista?

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.

Cheapest Vehicles to Insure in Chula Vista, CA
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 Prius $986
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.

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Who has the cheapest car insurance in California?
Rank Company Cost Per Year
1 USAA $1,121
2 Wawanesa $1,181
3 Century National $1,190
4 Nationwide $1,226
5 CSAA $1,234
6 21st Century $1,325
7 Grange $1,433
8 Allstate $1,513
9 GEICO $1,529
10 Progressive $1,542
11 Mercury $1,548
12 The Hartford $1,575
13 Allied $1,603
14 MetLife $1,606
15 State Farm $1,682
16 Unitrin $1,699
17 Esurance $1,756
18 Travelers $1,806
19 Bristol West $1,831
20 Farmers $2,026
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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.

Car insurance prices in Chula Vista
Rank City Average Per Year
1 Glendale $2,121
2 Los Angeles $2,083
3 Oakland $1,738
4 San Francisco $1,693
5 Sacramento $1,669
6 Long Beach $1,626
7 San Bernardino $1,596
8 Stockton $1,588
9 Fontana $1,581
10 Santa Clarita $1,548
11 Modesto $1,547
12 Moreno Valley $1,536
13 Garden Grove $1,508
14 Santa Ana $1,497
15 Riverside $1,497
16 Anaheim $1,474
17 Fresno $1,472
18 San Jose $1,395
19 Bakersfield $1,394
20 Fremont $1,389
21 Huntington Beach $1,374
22 Oxnard $1,358
23 San Diego $1,340
24 Irvine $1,330
25 Chula Vista $1,311
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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

  1. AAA of Southern California
  2. GEICO
  3. State Farm
  4. The Hartford
  5. Mercury Insurance
  6. The General
  7. Progressive
  8. Allstate
  9. AAA Insurance
  10. American Family

Top 10 Major Auto Insurers in Chula Vista Ranked by Customer Satisfaction

  1. Titan Insurance – 95%
  2. USAA – 94%
  3. AAA of Southern California – 92%
  4. AAA Insurance – 91%
  5. Nationwide – 90%
  6. State Farm – 90%
  7. The Hartford – 89%
  8. GEICO – 89%
  9. The General – 88%
  10. 21st Century – 88%

How to get discounts on Chula Vista auto insurance rates

Car insurance for veterans in Chula Vista, CAInsurers 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.

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.

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 kChula Vista, CA 91913(619) 656-4200

Farmers Insurance Group, Julio V. Vega
541 H StChula Vista, CA 91910(619) 426-0554

Farmers Insurance – Raul Paredes
208 3rd AveChula Vista, CA 91910(619) 651-1900

Farmers Insurance: Julie Garcia
2060 Otay Lakes Rd Ste 240Chula Vista, CA 91915(619) 401-1104

Allstate Insurance: Brian Konishi
45 Third Ave Ste 104Chula Vista, CA 91910(619) 426-6580

View more Chula Vista, CA insurance agents