Are you searching for low-cost auto insurance rates in Chula Vista, CA? Chula Vista drivers have a choice when trying to find the best price on Ford F-350 insurance. You can either spend your time struggling with agents to get rate comparisons or use the internet to find the lowest rates.
There are more efficient ways to compare auto insurance rates and you need to know the best way to price shop coverage for your Ford and find the lowest possible price from both online companies and Chula Vista agents.
Anyone knows that car insurance companies don’t want you comparing rates. People who shop around for a cheaper policy will, in all likelihood, switch companies because they stand a good chance of finding a lower-priced policy. A recent survey revealed that people who made a habit of comparing rate quotes saved approximately $860 a year compared to drivers who never compared rates.
If finding low prices for car insurance in Chula Vista is the reason for your visit, then understanding the best ways to find and compare insurance rates can help make the process easier.
It’s smart to do price comparisons once or twice a year because insurance prices go up and down regularly. Even if you think you had the best quotes on Ford F-350 insurance in Chula Vista two years ago a different company probably has better rates today. Ignore everything you know about auto insurance because you’re going to get a crash course in the easiest way to reduce your cost while increasing coverage.
If you have insurance now or just want a better rate, you can use these tips to lower your rates and still get good coverage. These techniques will help you learn the best way to quote coverages and how you can save the most money. Drivers just need to know the most efficient way to get comparison quotes from many different companies online.
Cheapest auto insurance in Chula Vista, CA
The auto insurance companies shown below can provide price quotes in Chula Vista, CA. If your goal is to find the best car insurance in CA, we recommend you get prices from several of them to get a more complete price comparison.
Insurance rate breakdown
The rate table below covers detailed analysis of coverage prices for Ford F-350 models. Having a better idea how auto insurance policy rates are calculated can be of help when making informed decisions when comparing rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| F-350 XL Crew Cab 4WD | $386 | $678 | $662 | $40 | $198 | $1,964 | $164 |
| F-350 XL Super Cab 4WD | $386 | $678 | $662 | $40 | $198 | $1,964 | $164 |
| F-350 XL Super Cab 2WD | $430 | $576 | $442 | $26 | $132 | $1,606 | $134 |
| F-350 Super Cab Cabela Package 4WD | $430 | $678 | $662 | $40 | $198 | $2,008 | $167 |
| F-350 Super Cab Cabela Package 2WD | $430 | $678 | $442 | $26 | $132 | $1,708 | $142 |
| F-350 XL Crew Cab 2WD | $430 | $678 | $442 | $26 | $132 | $1,708 | $142 |
| F-350 Crew Cab Harley Edition 4WD | $430 | $678 | $662 | $40 | $198 | $2,008 | $167 |
| F-350 Super Cab Harley Edition 4WD | $430 | $678 | $662 | $40 | $198 | $2,008 | $167 |
| F-350 Crew Cab King Ranch 4WD | $430 | $678 | $662 | $40 | $198 | $2,008 | $167 |
| F-350 XLT Crew Cab 4WD | $430 | $678 | $662 | $40 | $198 | $2,008 | $167 |
| F-350 XL Super Cab Turbo Diesel 4WD | $430 | $678 | $662 | $40 | $198 | $2,008 | $167 |
| F-350 XLT Super Cab 4WD | $430 | $678 | $662 | $40 | $198 | $2,008 | $167 |
| F-350 XLT Super Cab 2WD | $430 | $678 | $442 | $26 | $132 | $1,708 | $142 |
| F-350 XL Crew Cab Cabela Package 2WD | $430 | $678 | $442 | $26 | $132 | $1,708 | $142 |
| F-350 XL Crew Cab King Ranch 2WD | $430 | $678 | $442 | $26 | $132 | $1,708 | $142 |
| F-350 Crew Cab Lariat 4WD | $430 | $780 | $662 | $40 | $198 | $2,110 | $176 |
| F-350 Crew Cab King Ranch Turbo Diesel 4WD | $430 | $780 | $662 | $40 | $198 | $2,110 | $176 |
| F-350 Crew Cab Cabela Package 4WD | $430 | $780 | $662 | $40 | $198 | $2,110 | $176 |
| F-350 XL Crew Cab Turbo Diesel 4WD | $430 | $780 | $662 | $40 | $198 | $2,110 | $176 |
| F-350 Super Cab Lariat 4WD | $430 | $780 | $662 | $40 | $198 | $2,110 | $176 |
| F-350 Super Cab Cabela Turbo Diesel 4WD | $430 | $780 | $662 | $40 | $198 | $2,110 | $176 |
| F-350 XLT Super Cab Turbo Diesel 4WD | $430 | $780 | $662 | $40 | $198 | $2,110 | $176 |
| F-350 Super Cab Lariat 2WD | $474 | $678 | $442 | $26 | $132 | $1,752 | $146 |
| F-350 XL Super Cab Turbo Diesel 2WD | $474 | $678 | $442 | $26 | $132 | $1,752 | $146 |
| F-350 Super Cab Harley Edition 2WD | $474 | $678 | $442 | $26 | $132 | $1,752 | $146 |
| F-350 XLT Crew Cab 2WD | $474 | $678 | $442 | $26 | $132 | $1,752 | $146 |
| F-350 XLT Crew Cab Lariat 2WD | $474 | $678 | $442 | $26 | $132 | $1,752 | $146 |
| F-350 XLT Crew Cab Harley Edition 2WD | $474 | $678 | $442 | $26 | $132 | $1,752 | $146 |
| F-350 XL Crew Cab Turbo Diesel 2WD | $474 | $678 | $442 | $26 | $132 | $1,752 | $146 |
| F-350 Super Cab Lariat Turbo Diesel 4WD | $474 | $780 | $662 | $40 | $198 | $2,154 | $180 |
| F-350 XLT Crew Cab Turbo Diesel 4WD | $474 | $780 | $662 | $40 | $198 | $2,154 | $180 |
| F-350 Crew Cab Harley Turbo Diesel 4WD | $474 | $780 | $662 | $40 | $198 | $2,154 | $180 |
| F-350 Super Cab Harley Turbo Diesel 4WD | $474 | $780 | $662 | $40 | $198 | $2,154 | $180 |
| F-350 XLT Crew Cab Cabela Turbo Diesel 2WD | $474 | $780 | $442 | $26 | $132 | $1,854 | $155 |
| F-350 XLT Crew Cab King Ranch Turbo Diesel 2WD | $474 | $780 | $442 | $26 | $132 | $1,854 | $155 |
| F-350 Super Cab Harley Turbo Diesel 2WD | $474 | $780 | $442 | $26 | $132 | $1,854 | $155 |
| F-350 Super Cab Cabela Turbo Diesel 2WD | $474 | $780 | $442 | $26 | $132 | $1,854 | $155 |
| F-350 Super Cab XLT Turbo Diesel 2WD | $474 | $780 | $442 | $26 | $132 | $1,854 | $155 |
| F-350 Crew Cab Lariat Turbo Diesel 4WD | $474 | $780 | $662 | $40 | $198 | $2,154 | $180 |
| F-350 Crew Cab Cabela Turbo Diesel 4WD | $474 | $780 | $662 | $40 | $198 | $2,154 | $180 |
| F-350 Crew Cab Lariat Turbo Diesel 2WD | $474 | $780 | $442 | $26 | $132 | $1,854 | $155 |
| F-350 Super Cab Lariat Turbo Diesel 2WD | $474 | $780 | $442 | $26 | $132 | $1,854 | $155 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Estimates do not factor in your specific Chula Vista location which can lower or raise rates noticeably.
Premiums by gender and age
The diagram below illustrates the difference between Ford F-350 auto insurance costs for male and female drivers. Data assumes no tickets, no at-fault accidents, comp and collision included, $1,000 deductibles, drivers are single, and no discounts are applied.
Full coverage or liability only
The information below shows the comparison of Ford F-350 car insurance rates with full coverage and liability only. Data assumes no accidents or driving violations, $1,000 deductibles, drivers are single, and no discounts are applied to the premium.
When to drop comp and collision
There is no written rule for phasing out full coverage, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is more than about 10% of the settlement you would receive from your company, then you might want to consider buying only liability coverage.
For example, let’s say your Ford F-350 replacement cost is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company would pay you is $3,000 after the policy deductible has been paid. If you are paying over $300 a year to have full coverage, then you might want to think about dropping full coverage.
There are some conditions where removing full coverage is not financially feasible. If you still owe money on your vehicle, you have to keep full coverage to protect the lienholder’s interest in the vehicle. Also, if you can’t afford to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage in place.
Take policy discounts and save on Ford F-350 insurance in Chula Vista
Not many people think insurance is cheap, but you can get discounts to help offset the cost. Some discounts will apply when you get a quote, but some need to be asked for before being credited.
- Air Bags and Passive Restraints – Vehicles equipped with air bags or automatic seat belts may get savings of more than 20%.
- Multiple Vehicles – Buying insurance for multiple vehicles on a single policy can reduce the rates for all insured vehicles.
- Policy Bundle Discount – If you can combine your auto and homeowners policy and insure them with the same company you could earn a discount of 10% to 20% off each policy.
- Anti-lock Brake Discount – Cars and trucks with ABS braking systems or traction control can avoid accidents and earn discounts up to 10%.
- College Student – Older children living away from Chula Vista attending college and don’t have a car can be insured at a reduced rate.
- Senior Citizen Rates – Mature drivers may qualify for a slight reduction on a Chula Vista auto insurance quote.
- Onboard Data Collection – Insureds that choose to allow their company to analyze driving habits by using a telematic data system such as Allstate’s Drivewise and State Farm’s In-Drive system could save a few bucks if they are good drivers.
- Low Mileage Discounts – Low mileage vehicles may allow you to get better prices on cars that stay parked.
- Save with a New Car – Insuring a new F-350 can be considerably cheaper because newer vehicles have to meet stringent safety requirements.
Don’t be surprised that some credits don’t apply to the entire cost. Most cut the cost of specific coverages such as liability, collision or medical payments. So when the math indicates you would end up receiving a 100% discount, you aren’t that lucky.
The example below shows the comparison of Ford F-350 insurance costs with and without discounts applied to the rates. The data assumes a male driver, no violations or accidents, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, multi-policy, claim-free, multi-car, and marriage discounts applied.
Some of the insurance companies that may offer policyholders these money-saving discounts include:
When comparing rates, check with each company what discounts are available to you. Discounts may not be available in your area. If you would like to see a list of auto insurance companies that can offer you the previously mentioned discounts in Chula Vista, click here.
Informed Consumers Save Money
Many factors are used in the calculation when quoting car insurance. Some are obvious like your driving record, but others are less apparent like your continuous coverage or how financially stable you are.
- Save money by eliminating extra policy coverages – Insurance policies have a lot of extra bells and whistles that may not really be needed on your F-350 policy. Coverages for roadside assistance, better glass coverage, and extra life insurance coverage are probably not needed. They may seem good when you first buy your policy, but your needs may have changed so consider taking them off your policy.
- Save annual miles and save money – The more miles you rack up on your Ford annually the more you will pay for auto insurance. Almost all companies calculate rates based upon how the vehicle is primarily used. Cars and trucks that do not get driven very much receive better premium rates as compared to vehicles used primarily for driving to work. Having an incorrect usage rating on your F-350 may be costing you. Double check that your vehicle rating shows the correct usage.
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Avoid traffic tickets – Whether or not you get tickets can have a huge impact on auto insurance premiums. Drivers with clean records have lower premiums than their less careful counterparts. Even a single speeding ticket or other violation may increase your cost by as much as twenty percent. Drivers who have received careless violations such as reckless driving, hit and run or driving under the influence are required to complete a SR-22 with their state motor vehicle department in order to keep their license.
The chart below shows how speeding tickets and at-fault accidents can affect Ford F-350 auto insurance rates for each age group. Data assumes a married male driver, full physical damage coverage, $250 deductibles, and no discounts are applied.
- Prevent auto insurance policy lapses – Going without insurance will be a guaranteed way to trigger a rate increase. In addition to paying higher rates, the inability to provide proof of insurance could earn you a steep fine or even jail time.
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Youthful drivers pay higher premiums – More mature drivers are more responsible, are lower risk to insure, and usually have better credit. Beginning drivers are proven to be careless and easily distracted when at the wheel of a vehicle so auto insurance rates are higher.
The following chart uses these variables: single driver, full coverage with $250 deductibles, and no discounts or violations.
- Where you live is a factor – Choosing to live in small towns and rural areas can save you money if you are looking for the lowest rates. People who live in big cities tend to have traffic congestion and longer commutes to work. Fewer drivers and short commutes means less chance of accidents and a lower car theft rate.
- Get hitched and pay less – Having a wife or husband may save some money on your auto insurance policy. Marriage may mean you are less irresponsible and statistics show married couples file fewer claims.
- Rates may be lower depending on your job – Jobs such as fire fighters, airline pilots, and financial analysts generally have higher premiums than the average policyholder in part from stressful work requirements and lots of time spent at work. Other occupations such as professors, engineers and the unemployed have the lowest average rates.
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Ford F-350 insurance loss probability – Car insurance companies take into consideration insurance loss statistics for every vehicle when determining insurance costs. Vehicles that the data determines to have higher number or severity of losses will have higher premium rates. The table below demonstrates the historical loss data for Ford F-350 vehicles.
For each coverage type, the loss probability for all vehicles, regardless of make or model, is considered to be 100. Percentage values below 100 suggest a positive loss record, while percentage numbers above 100 indicate more frequent claims or statistically larger losses.
Ford F-350 Insurance Loss Statistics Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Ford F-350 4WD 78 54 Ford F-350 SuperCab 4WD 66 90 98 Ford F-350 SuperCrew 2WD 108 232 Ford F-350 SuperCrew 4WD 96 134 179 47 44 90 BETTERAVERAGEWORSEEmpty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years
There’s no such thing as the perfect auto insurance policy
When it comes to coverage online or from an agent, there is no single plan that fits everyone. Everyone’s situation is a little different so your insurance needs to address that.
For instance, these questions may help you determine if your situation will benefit from professional help.
- Is there coverage for my trailer?
- Are combined or split liability limits better?
- Am I covered if I hit a deer?
- Do I need higher collision deductibles?
- Should I bundle my homeowners policy with my auto?
- If my car is totaled with they pay enough to replace it?
If you can’t answer these questions, you may need to chat with an agent. To find lower rates from a local agent, complete this form or click here for a list of auto insurance companies in your area. It only takes a few minutes and can help protect your family.
Shop online but buy locally
Some consumers still like to talk to a local agent and we recommend doing that Good agents are very good at helping people manage risk and help file insurance claims. A nice benefit of comparing insurance online is the fact that you can find cheap rate quotes and still buy from a local agent. Putting coverage with local agencies is especially important in Chula Vista.
Upon completion of this quick form, the coverage information is submitted to companies in Chula Vista that can provide free Chula Vista auto insurance quotes for your insurance coverage. There is no need to search for an agent because quoted prices will be sent straight to your inbox. If you need to compare rates from a specific insurance company, you just need to go to their quote page to submit a rate quote request.
When searching for a reliable insurance agency, you must know there are a couple different types of agencies to choose from. Agents can be categorized as either independent agents or exclusive agents. Both can do a good job, but it is a good idea to know the differences because it can influence which agent you choose.
Independent Agencies or Brokers
Agents of this type can quote rates with many companies so as a result can place your coverage with an assortment of companies and find the cheapest insurance rates. If premiums increase, the agent simply finds a different carrier which requires no work on your part. When comparing insurance rates, it’s recommended you include a few independent agents to have the best price comparison. Most also have access to smaller regional carriers that many times have cheaper rates.
The following are independent agents in Chula Vista that can possibly get you rate quotes.
- Elect Insurance Center
1229 Third Ave c – Chula Vista, CA 91911 – (619) 425-3532 – View Map - Garrison Insurance Agency, Inc
553 Telegraph Canyon Rd – Chula Vista, CA 91910 – (800) 701-5909 – View Map - Robert Osorio Insurance
513 Windy Way – Chula Vista, CA 91914 – (619) 216-0991 – View Map
Exclusive Agencies
Agents of this type can only provide pricing for a single company like Allstate, State Farm and Farm Bureau. Exclusive agencies are unable to provide prices from multiple companies so keep that in mind. Exclusive insurance agents receive extensive training in insurance sales which helps overcome the inability to quote other rates. Some insured continue to choose to use an exclusive agent mostly because of the brand rather than having the cheapest rates.
Shown below are exclusive insurance agents in Chula Vista willing to provide comparison quotes.
- Farmers Insurance: Vega Julio V
799 Third Ave – Chula Vista, CA 91911 – (619) 426-0554 – View Map - Tammy Manzano – State Farm Insurance Agent
1925 E Palomar St #17 – Chula Vista, CA 91913 – (619) 482-6001 – View Map - Farmers Insurance: Julie Garcia
2060 Otay Lakes Rd Ste 240 – Chula Vista, CA 91915 – (619) 401-1104 – View Map
Deciding on an car insurance agent is decision based upon more than just a low price. Some important questions to ask are:
- Do they assist clients in filing claims?
- Can you choose the body shop in case repairs are needed?
- Is the agent properly licensed in California?
- Is insurance their full-time profession?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Are they giving you every discount you deserve?
Auto insurance company ratings
Buying coverage from the right company can be rather challenging considering how many different companies there are to choose from in California. The information listed below could help you select which car insurance companies you want to consider shopping prices with.
Top 10 Chula Vista Car Insurance Companies Ranked by Claims Service
- AAA of Southern California
- State Farm
- Esurance
- AAA Insurance
- Progressive
- Liberty Mutual
- GEICO
- Allstate
- Titan Insurance
- The Hartford
Top 10 Chula Vista Car Insurance Companies 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%
Cheaper car insurance rates are out there
As you quote Chula Vista auto insurance, it’s very important that you do not skimp on coverage in order to save money. There are a lot of situations where an insured dropped comprehensive coverage or liability limits only to discover later that it was a big error on their part. Your objective should be to purchase plenty of coverage at the best price, but don’t skip important coverages to save money.
We’ve covered some good ideas how to find lower-cost Ford F-350 insurance in Chula Vista. The key concept to understand is the more rate quotes you have, the better likelihood of getting the cheapest Ford F-350 rate quotes. Consumers could even find that the best auto insurance rates are with the least-expected company. These smaller insurers may often insure only within specific states and give better rates than the large multi-state companies such as State Farm and Allstate.
Steps to finding affordable Ford F-350 insurance in Chula Vista
If saving money is your primary concern, then the best way to get budget auto insurance rates is to regularly compare quotes from different companies in Chula Vista. Drivers can shop around by following these guidelines.
Step 1: Read about how your policy works and the steps you can take to keep rates low. Many rating factors that drive up the price such as traffic citations and poor credit can be eliminated by making lifestyle changes or driving safer.
Step 2: Request price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only give rate quotes from one company like GEICO and State Farm, while independent agencies can quote rates from multiple sources. View insurance agents
Step 3: Compare the new quotes to your existing rates to see if cheaper F-350 coverage is available in Chula Vista. If you can save money and decide to switch, make sure there is no lapse between the expiration of your current policy and the new one.
One piece of advice is to compare identical deductibles and limits on every price quote and and to look at as many companies as you can. This provides an accurate price comparison and the best price selection.
To read more, feel free to visit the articles below:
- Teen Driving and Texting (State Farm)
- Who Has the Cheapest Chula Vista Car Insurance for a School Permit? (FAQ)
- Parking Tips to Reduce Door Dings (State Farm)
- Protect Yourself Against Auto Theft (Insurance Information Institute)
- Automakers compete to add autobraking (Insurance Institute for Highway Safety)
- Think You’re a Safe Driver? (State Farm)