The words “affordable” and “insurance” probably shouldn’t be used in the same sentence, specifically when you are searching for the lowest insurance rates for infrequent drivers. Because it’s not cheap, let’s take a look at a few of the factors that help determine auto insurance premiums, and see how we can help you reduce the cost of your next policy.
The vehicle you are trying to insure is a significant factor when consumers are trying to find cheap car insurance for infrequent drivers. Vehicles with high performance, a lack of advanced safety features, or a history of substantial liability claims will cost more to insure than more modest models.
The next table showcases auto insurance prices for some of the cheaper automobiles to insure in California.
|Vehicle Insured||Estimated Cost for Full Coverage|
|Ford Escape XLT 4WD||$925|
|Honda CR-V EX-L 4WD||$930|
|Toyota Camry LE||$945|
|Jeep Wrangler Sport Islander Package 4WD 2-Dr||$959|
|Hyundai Elantra Blue 4-Dr Sedan||$977|
|Dodge Grand Caravan SE||$979|
|Hyundai Sonata GLS 4-Dr Sedan||$1,014|
|Chevrolet Malibu LTZ||$1,023|
|Chevrolet Silverado LT Extended Cab 2WD||$1,014|
|GMC Sierra 3500HD SLE Crew Cab 2WD||$1,032|
|Volkswagen Jetta S 4-Dr Sedan||$1,038|
|Toyota RAV4 Sport 4WD||$1,043|
|Chevrolet Impala LS||$1,044|
|Ford Edge SE AWD||$1,052|
|GMC Sierra 2500HD SLT Extended Cab 4WD||$1,066|
|Ford Fusion S 4-Dr Sedan||$1,068|
|Ford F-350 XL Super Cab 2WD||$1,078|
|Toyota Tacoma Double Cab TRD Sport Package 4WD||$1,090|
|Ford Explorer Limited 2WD||$1,099|
|Toyota Corolla LE||$1,094|
|Dodge Ram Crew Cab Sport 2WD||$1,100|
|Jeep Grand Cherokee Limited 4WD||$1,114|
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Above prices assume single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Premium amounts do not factor in specific location which can affect auto insurance rates greatly.
Based upon the table data, we can infer that models like the Toyota Prius, Ford Escape, and Honda CR-V are going to be the most budget-friendly vehicles to insure for low mileage drivers.
Finding out which company has the most affordable car insurance rates for infrequent drivers will involve a bit more effort in order to find the lowest price. Each company has a unique approach to set their prices, so we need to take a look at the most affordable car insurance companies in California.
It’s important that you understand Chula Vista, CA car insurance rates are determined by lots of factors which can substantially change your annual premium. Simply improving your credit, moving to a new city, or getting a few speeding tickets may prompt premium changes that can make some companies much cheaper than others.
Best Insurance Companies in California
|Rank||Company||Cost Per Year|
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USAA offers some of the cheapest car insurance rates in Chula Vista at around $1,109 annually. Wawanesa, Century National, CSAA, and Nationwide also are some of the lowest-priced Chula Vista, CA car insurance companies.
As depicted above, if you have coverage with Century National and switched to USAA, you might realize annual savings of roughly $105. Drivers with CSAA could save as much as $125 a year, and Nationwide policyholders might reduce prices by as much as $141 a year.
To find out how much you can save, click here or visit any of the companies below.
Remember that these premium estimates are averaged across all types of drivers and the different vehicles they drive and and are not calculated with an exact zip code location for infrequent drivers. So the car insurance company that fits your needs best may not even be in the list above. That is why you need to compare prices as often as possible using your own specific driver information and vehicle.
One of the many components that are looked at to determine the amount you pay for auto insurance is where you live. Areas with increased crime or more people are more likely to pay higher prices, whereas less populated areas benefit from lower coverage costs.
The information below rates the highest-priced areas in California for infrequent drivers to buy auto insurance in. Chula Vista is listed at #24 costing $1,337 on average, which is approximately $111 monthly.
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Price information shown is estimated as specific Chula Vista garaging address can alter price quotes greatly.
Irresponsible driving raises your rates
The best way to receive cheap car insurance prices in Chula Vista for low mileage drivers is to be a cautious driver and avoid getting tickets or having accidents. The example below illustrates how speeding tickets and at-fault collisions can drive up premium costs for different ages of insureds. The premium estimates are based on a single male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied.
In the previous chart, the average cost of auto insurance in Chula Vista per year with a clean driving record and no accidents is $3,385. Get written up for two speeding tickets and the average cost increases to $4,499, an increase of $1,114 each year. Then add in two accidents along with the two speeding tickets and the annual cost of car insurance for infrequent drivers increases to an average of $8,487. That’s an increase of $5,103, or $425 per month, just for not being more responsible behind the wheel!
The chart below demonstrates how deductible levels can raise or lower insurance prices when getting quotes for cheap insurance for infrequent drivers. The costs are based on a single male driver, full physical damage coverage, and no discounts are taken into consideration.
As shown above, a 30-year-old driver could reduce rates by $552 a year by changing from a $100 deductible up to a $500 deductible, or save $830 by selecting a $1,000 deductible. Youthful drivers, like the Age 20 chart data, could possibly save as much as $1,640 or more just by choosing higher deductibles.
When insureds make the decision to increase the deductibles on their policy, it will be important to have enough funds in savings to allow you to cover the extra out-of-pocket expense, which is the one shortcoming of high deductibles.
Cost comparison with and without full coverage
Saving money on car insurance is probably important to the majority of drivers, and one of the quickest ways to buy cheaper insurance for infrequent drivers is to buy liability only. The information below compares insurance premiums with and without physical damage coverage. The data is based on no tickets, no at-fault accidents, $250 deductibles, single status, and no policy discounts are applied.
If the expense is averaged for all age categories, physical damage coverage on your policy costs $2,314 per year over having just liability coverage. That is a large expense which might make you wonder when is it safe to stop buying full coverage. There is no set guideline to drop comp and collision coverage, but there is a guideline you can consider. If the annual cost of having full coverage is more than about 10% of replacement cost minus your deductible, then it could be time to drop full coverage.
There are some scenarios where removing full coverage is not recommended. If you have an outstanding loan on your vehicle, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should keep full coverage.
The Chula Vista auto insurance agencies shown below can provide answers to your questions and help you determine which car insurance company is the best fit, as lots of drivers aren’t clear which coverage they need and would like to have a little guidance when comparing insurance rates for low mileage drivers. It’s not always simple to find the cheapest rate yourself, so agents can give you peace of mind knowing your policy gives you enough protection.
To find an auto insurance agency closest to you, click the button after the list or click here to compare rates now.
Areli’s Insurance Services
1010 Broadway #7 – Chula Vista, CA 91911 – (619) 409-1690
Lee Meyer – State Farm Insurance Agent
826 Starboard St – Chula Vista, CA 91914 – (619) 656-5020
Allstate Insurance: Steven F Hovland
88 Bonita Rd Ste D – Chula Vista, CA 91910 – (619) 425-9400
Allstate Insurance: Jorge Zayas
1750 E Palomar St Ste 5 – Chula Vista, CA 91913 – (619) 656-8828
How to find the cheapest insurance for infrequent drivers
Lowering your rates is not difficult, and here are some money-saving solutions that can help drivers locate more affordable coverage.
- Remain accident-free and save
- Save money by insuring your home and auto with the same company
- Do not get traffic tickets
- Increase your credit score
- Pay for small claims rather than turning them in to your insurance company
- Higher physical damage deductibles lower rates
- Compare rate quotes frequently
The final tip is extraordinarily necessary, as was affirmed in this article. Auto insurance prices vary greatly, so don’t be hesitant to buy a different policy if a more affordable price is available. Staying with the same company for years is fine, but it isn’t a good idea if that loyalty ends up costing lots of hard earned cash every month. It takes less than five minutes to compare prices to find cheaper insurance for infrequent drivers in Chula Vista.