The words "affordable" and "insurance" really should not be used together, especially when shopping around for the best coverage prices for unemployed drivers. To save some money, let's start off by going over some things that determine car insurance prices, and see if you can reduce the price of your next policy.
For the unemployed, one of the more important factors that aid in calculating car insurance rates is your address in Chula Vista. Areas with a lot of weather claims or more people tend to have more expensive car insurance rates, whereas less populated areas have the luxury of lower rates.
The information below lists the highest-priced places in California for unemployed drivers to purchase auto insurance in. Chula Vista ranks #25 with the yearly price of $1,298 for the average policyholder, which is about $108 per month.
|Rank||City||Average Per Year|
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Information shown are estimated as the garaging address in Chula Vista can affect prices considerably.
Comparing quotes for low-cost auto insurance is not always easy, and figuring out which insurers offer the lowest-priced auto insurance rates for unemployed drivers may require even more diligence. Every car insurance company has their own process for filing rates in each state, so we'll take a look at the lowest cost auto insurance companies in California.
Keep in mind that Chula Vista auto insurance rates are impacted by many factors which can substantially change the cost of your policy. This is why it is important to spend some time comparing rates to get the best auto insurance rates for unemployed drivers. Prices can be determined by many risk factors and change substantially, so the lowest-price company when you last compared rates may now cost much more than other companies.
Best Car Insurance Prices for Job Seekers
|Rank||Company||Cost Per Year|
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USAA may have some of the most affordable car insurance rates in Chula Vista at around $1,143 annually. This is $508 less than the average price paid by California drivers of $1,651. Wawanesa, Nationwide, Century National, and CSAA are also some of the cheapest Chula Vista, CA car insurance companies.
As illustrated above, if you currently buy coverage from CSAA and switched to Wawanesa, you may see annual savings of approximately $53. Insureds with 21st Century could save as much as $144 a year, and Grange insureds might cut rates by $266 a year.
To compare your rates to other California insurance companies, click here to get a free quote or visit any of the companies below.
Be aware that those premiums are averages for all drivers and vehicles in California and do not take into consideration a vehicle location for unemployed drivers. So the insurer that has the lowest price for you may not even be in the list above. That point stresses why you need to compare prices as often as possible using your own driver and vehicle profiles.
The vehicle model needing coverage is probably the largest consideration that determines whether or not you can buy affordable auto insurance for unemployed drivers. Vehicles with limited speed and performance, an excellent safety record, or a low likelihood of having liability claims will cost significantly less to insure than adrenaline junky models.
The list below estimates car insurance costs for a handful of the more affordable automobiles to buy insurance for.
|Make and Model||Estimated Cost for Full Coverage|
|Ford F-150 STX Super Cab 2WD||$854|
|Honda CR-V LX 2WD||$890|
|Volkswagen Jetta LE 4-Dr Sedan||$920|
|Jeep Grand Cherokee Laredo 4WD||$928|
|Ford Escape XLS 2WD||$950|
|Toyota Corolla S||$968|
|GMC Sierra SLE Extended Cab 4WD||$984|
|Chevrolet Equinox LTZ AWD||$992|
|Toyota Tacoma 4WD||$998|
|Dodge Ram 3500 Crew Cab ST 2WD||$1,020|
|Ford Edge SEL 2WD||$1,034|
|Honda Odyssey LX||$1,044|
|Toyota Camry Hybrid||$1,050|
|Toyota RAV4 Limited 2WD||$1,054|
|Chevrolet Silverado LS Extended Cab 4WD||$1,064|
|Dodge Grand Caravan SE||$1,068|
|Chevrolet Silverado 3500HD LTZ Crew Cab Diesel 2WD||$1,078|
|Ford Explorer Eddie Bauer AWD||$1,072|
|Hyundai Elantra Blue 4-Dr Sedan||$1,088|
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Above prices assume single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Table data does not factor in specific zip code location which can increase or decrease coverage prices greatly.
By looking at the data, we can conclude that models like the Ford F-150, Toyota Prius, and Honda CR-V will be a few of the more affordable vehicles to insure for the unemployed.
Best auto insurance company in Chula Vista
Choosing the top company is hard considering how many different companies insure vehicles in California. The rank data below may help you decide which car insurance providers to look at purchasing from.
The rankings below are for insurance companies that insure vehicles in the majority of U.S. states, so smaller regional companies will not be included in this list. To check prices from these and other competitive companies, simply click here.
Top 10 Large Auto Insurance Companies 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 Large Auto Insurance Companies 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%
Get discount Chula Vista car insurance
Car insurance companies that sell policies for unemployed drivers may have rate discounts that could lower prices by as much as 30% if you meet specific eligibility requirements. A few of the larger companies and their possible discounts are outlined below.
- State Farm discounts include safe vehicle, multiple autos, passive restraint, student away at school, accident-free, and Steer Clear safe driver discount.
- American Family may have discounts that include TimeAway discount, accident-free, early bird, mySafetyValet, and good student.
- GEICO offers discounts including anti-lock brakes, federal employee, military active duty, five-year accident-free, air bags, and good student.
- 21st Century has savings for theft prevention, teen driver, driver training, 55 and older, automatic seat belts, homeowners, and early bird.
- Progressive includes discounts for multi-vehicle, online signing, continuous coverage, homeowner, good student, and online quote discount.
The example below compares insurance rates with and without discounts applied. The costs are based on a male driver, a clean driving record, no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $500 deductibles.
The first bar for each age group shows premium with no discounts. The second shows the rates with anti-theft, claim-free, multiple policy, passive restraint, defensive driving course, and multiple vehicle discounts applied. When these discounts are applied, the average amount saved each year on auto insurance for unemployed drivers is 28% or $777.
Why you should be comparing rates
Chula Vista auto insurance rates are influenced by many factors that may substantially change the price of coverage. Getting older, buying a different home, or getting a speeding ticket can produce rate changes that may make certain companies more affordable than the competition. Not only may your situation change, but car insurance companies modify pricing every year or even multiple times each year to adjust for gains or losses. Higher than usual claims can result in higher rates, while a better claims history may produce more affordable Chula Vista car insurance rates.
To illustrate this example, the data below compares the cheapest car insurance in Chula Vista, CA for a 45-year-old male driver with no prior claims, no tickets, and a decent credit rating. If we look at prices based on his personal profile, USAA may have the cheapest car insurance rates in Chula Vista at $1,109 per year. This is $542 less than the average rate paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide are the remainder of the most affordable Chula Vista, CA auto insurance companies.
In the next rate comparison, we'll give the driver in the first chart a claim surcharge, a lower credit rating, and a traffic ticket or two. Since each insurance company has a proprietary method to establish rates, getting updated rate quotes may now show a new list of affordable Chula Vista car insurance companies as shown below.
Grange now has the best insurance rate in Chula Vista with Mercury, Progressive, Allstate, and GEICO now being in the top five. This example proves why drivers need to perform a complete rate comparison to get the most affordable auto insurance quotes for unemployed drivers.
Insurance prices are influenced by many risk factors and can increase or decrease at any time, so the most economical company when you last compared rates may now be one of the more expensive options.
The agents below can probably help you make a decision which car insurance policy is best, as many people would rather have a professional recommendation when buying car insurance for the unemployed. It's not always simple to find the best policy yourself, so insurance agents can provide you comfort knowing you have enough protection.
To locate a Chula Vista car insurance agency close to you, click the button after the list or click here to compare prices now.
Applied General Agency / Jake Widmer Insurance
1873 Marquette Rd - Chula Vista, CA 91913 - (619) 852-1013
Cordova Insurance Agency, Inc.
2260 Main St #8 - Chula Vista, CA 91911 - (619) 585-3470
Carlos Solorzano - State Farm Insurance Agent
1105 Broadway #202 - Chula Vista, CA 91911 - (619) 420-7000