Who Has Affordable Chula Vista Auto Insurance for a Chevrolet Traverse?

Buying competitive insurance for a Chevrolet Traverse in California depends on many rating criteria such as how long your commute is, the condition of your credit, and your choice of physical damage deductibles. California drivers pay approximately $1,033 a year to insure their Traverse, but that amount is a projection based upon a 50-year-old married female driver with full coverage and $250 deductibles.

This brings up the issue that more than likely you are not 50 years old and maybe not even female, maybe you are single instead of married, or maybe you rent instead of own your home. Insurance is an individual thing, so the way we recommend to find cheap auto insurance rates for your Chevrolet is to compare rates from as many companies as possible. Get a free quote now and you will be able to see rates from the best companies around.

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The specific model of Traverse tends to have a direct impact on price, so the rate you will pay to insure a Traverse LS 2WD trim level will cost $120 less than the cost to insure the fancier Traverse LTZ AWD model, as shown below.

Chevrolet Traverse Insurance Rates in Chula Vista, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Traverse LS 2WD $262 $392 $354 $20 $106 $1,134 $95
Traverse LS AWD $296 $392 $354 $20 $106 $1,168 $97
Traverse LT 2WD $296 $392 $354 $20 $106 $1,168 $97
Traverse LT AWD $296 $478 $354 $20 $106 $1,254 $105
Traverse LTZ 2WD $296 $478 $354 $20 $106 $1,254 $105
Traverse LTZ AWD $296 $478 $354 $20 $106 $1,254 $105
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Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Table data does not factor in Chula Vista location which can alter price quotes significantly.

Finding good, cheap insurance is hard enough, and figuring out which insurers offer the most affordable auto insurance rates for a Chevrolet Traverse takes a little more work.

Every auto insurer has their own unique process to set their prices, so let’s begin by examining the most budget-friendly auto insurance companies in Chula Vista. It’s important that readers know that Chula Vista auto insurance rates are calculated based on many things that control the policy premium. Improving your credit rating, buying a different home, or getting a speeding ticket can trigger changes in premium resulting in some rates now being cheaper than competitors.

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California car insurance ranked by cost per year
Rank Company Cost Per Year
1 USAA $1,143
2 Wawanesa $1,157
3 CSAA $1,198
4 Nationwide $1,213
5 Century National $1,226
6 21st Century $1,366
7 Grange $1,477
8 Progressive $1,542
9 Allstate $1,543
10 Mercury $1,548
11 GEICO $1,559
12 Allied $1,603
13 MetLife $1,606
14 The Hartford $1,639
15 State Farm $1,682
16 Esurance $1,705
17 Unitrin $1,733
18 Bristol West $1,777
19 Travelers $1,842
20 Farmers $1,966
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USAA has some of the cheapest car insurance rates in Chula Vista at around $1,143 annually. This is $508 less than the average rate paid by California drivers of $1,651. Wawanesa, CSAA, Nationwide, and Century National would also make the list of some of the best Chula Vista, CA auto insurance companies.

As shown in the rates above, if you are insured with Nationwide and switched to USAA, you could earn an annual savings of around $70. California drivers with Century National could save as much as $83 a year, and 21st Century insureds might reduce rates by $223 a year.

To compare your rates to other California insurance companies, click here to begin a quote or visit several of the following companies.

Remember that these rates are averaged across all drivers and vehicles in California and do not factor in a specific vehicle garaging location for a Chevrolet Traverse. So the insurer that fits your age and vehicle best may not even be in the top 24 companies shown above. That affirms the importance of why you need to get quotes using your own driver data and vehicle information.

The example below highlights how deductible choice can influence premium costs when searching for cheap insurance for a Chevrolet Traverse. The prices are based on a single male driver, full coverage, and no additional discounts are factored in.

A 30-year-old driver could reduce rates by $442 a year by increasing from a $100 deductible up to a $500 deductible, or save $670 by changing to a $1,000 deductible. Even younger insureds, like the Age 20 category, could drop their prices $1,260 annually just by using higher deductibles.

If you do raise deductibles, it will be necessary to have additional funds squirreled away to satisfy the extra out-of-pocket expense, which deters some people from using high deductibles.

Liability-only versus full coverage

Reducing the cost of auto insurance is important to the majority of people, and one of the fastest ways to find cheap insurance for a Chevrolet Traverse is to not buy full coverage. The diagram below illustrates the difference between insurance costs when comparing full coverage to liability only. The price estimates are based on no claims or violations, $1,000 deductibles, drivers are single, and no discounts are applied.

As an average for all age groups, physical damage coverage costs $1,883 per year over liability only. That touches on the question when is it safe to stop buying full coverage. There is no definitive guideline for phasing out comprehensive and collision coverage on your policy, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is more than about 10% of the settlement you would receive from your company, then you may want to consider only buying liability coverage.

For example, let’s say your vehicle’s settlement value is $9,500 and you have $1,000 deductibles. If your vehicle is totaled, the most your company would pay you is $8,500 after paying your deductible. If premiums are more than $850 annually for physical damage coverage, then you may want to consider only buying liability coverage.

Low rates can quickly become overpriced

California auto insurance rates are influenced by many factors which can significantly increase or decrease the price of coverage. Simply improving your credit, moving across town, or getting a speeding ticket can trigger rate changes that can now make some companies cheaper than others. Not only may your risk profile change, but insurers file new California car insurance rates every year or even multiple times each year to help ensure profitability. An unexpected high level of claims can cause increased policy costs, while profitable underwriting can produce lower-priced Traverse insurance rates.

For example, the data below shows which company has the cheapest car insurance in Chula Vista, CA for a 40-year-old female driver with no accidents or violations, and excellent credit. Based on her current rating profile, USAA might quote the best car insurance rates in Chula Vista at $1,155 annually. This is $496 less than the average policy premium paid by California drivers of $1,651. Century National, Wawanesa, CSAA, and Nationwide are also included in the top five cheapest Chula Vista, CA auto insurance companies.

The next chart shows rates after we give the driver from the above example an at-fault accident, slightly worse credit, and a couple of points charged on her driving record. Since each company uses a different method to determine rates, getting updated rate quotes may now result in a significantly different list of the cheapest Chula Vista car insurance companies as shown below.

Grange now has the best car insurance rate in Chula Vista with Mercury, Progressive, GEICO, and Allstate completing the list. This illustrates why Chula Vista drivers need to take the time to shop around to find the most budget-friendly auto insurance rates for a Chevrolet Traverse. Prices are impacted by many factors and change frequently, so the cheapest option three years ago may now be an over-priced policy.

How to find budget-friendly auto insurance for a Chevrolet Traverse

Here are some of the better penny-pinching suggestions that can help you quote low-cost coverage.

The last tip is notably vital, as was affirmed in the prior article. Car insurance prices in Chula Vista can be adjusted at any time, so don’t be unwilling to switch to a new company if a lower price can be found.

Many drivers tend to have loyalty to a certain company, but it’s not a good idea if that inflexibility results in costing you money that could be spent on other things. Take a few minutes and compare prices and find cheaper car insurance for a Chevrolet Traverse.

The Chula Vista, CA, insurance agents below can probably help you decide which coverage fits your budget, since some drivers have questions and prefer to get some professional advice when shopping for cheaper insurance for a Traverse. It can be difficult to find the best policy yourself, so using a licensed agent can give you satisfaction knowing you have adequate coverage if you have an accident or claim.

To find a Chula Vista insurance agency using an interactive map, click the button after the list.

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