You have probably watched the catchy commercials from companies like State Farm and Liberty Mutual that promise the cheapest price, so you should just pick the one with the catchiest commercial, right?
It’s just not that simple, as there are a whole slew of unknown aspects such as the safety features built into your vehicle, if full coverage is needed, how far you drive each year, and how high your deductibles should be, that all have an effect on the price of a policy. The content below will cover the things that influence insurance rates and will give you a good start in finding the cheapest car insurance in California.
For using your car for business, one of the more important things that determine the amount you pay for auto insurance is the neighborhood you call home. Areas with more people or even just a higher incidence of claims will most likely have higher rates, whereas areas with less congestion can boast about having cheaper rates.
The table below lists the most expensive places in California for business use to purchase auto insurance in. Chula Vista comes in at #24 with a yearly cost of $1,311 for car insurance, which is approximately $109 per month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Los Angeles | $2,104 |
| 2 | Glendale | $2,058 |
| 3 | San Francisco | $1,763 |
| 4 | Oakland | $1,755 |
| 5 | Sacramento | $1,669 |
| 6 | San Bernardino | $1,628 |
| 7 | Long Beach | $1,626 |
| 8 | Santa Clarita | $1,595 |
| 9 | Stockton | $1,588 |
| 10 | Garden Grove | $1,570 |
| 11 | Riverside | $1,542 |
| 12 | Fontana | $1,535 |
| 13 | Moreno Valley | $1,506 |
| 14 | Modesto | $1,502 |
| 15 | Fresno | $1,502 |
| 16 | Anaheim | $1,488 |
| 17 | Santa Ana | $1,453 |
| 18 | Bakersfield | $1,394 |
| 19 | San Jose | $1,381 |
| 20 | Huntington Beach | $1,374 |
| 21 | Fremont | $1,361 |
| 22 | Irvine | $1,330 |
| 23 | San Diego | $1,327 |
| 24 | Chula Vista | $1,311 |
| 25 | Oxnard | $1,304 |
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Rates are comparative as specific Chula Vista garaging address can change coverage prices significantly.
The make and model of vehicle needing coverage is probably the most important factor when trying to find cheap car insurance for business use. Vehicles with more horsepower, a lack of modern safety features, or an increased likelihood of liability claims will cost more to insure than safer models.
The table below features auto insurance rates for a selection of the most economical automobiles to insure in California.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape Limited 4WD | $856 |
| Honda CR-V LX 2WD | $860 |
| Ford Focus S 4-Dr Sedan | $916 |
| Volkswagen Jetta S 4-Dr Sedan | $934 |
| Ford Explorer Limited 4WD | $950 |
| Ford F-150 SVT Raptor Super Cab 4WD | $958 |
| Dodge Ram 3500 Crew Cab Laramie 2WD | $950 |
| Toyota Prius | $956 |
| Honda Odyssey EX-L | $984 |
| Toyota Corolla XLE | $993 |
| Hyundai Elantra SE 4-Dr Sedan | $984 |
| Chevrolet Malibu LTZ | $1,000 |
| Dodge Grand Caravan Hero | $1,020 |
| Toyota RAV4 2WD | $1,029 |
| Chevrolet Impala LS | $1,028 |
| Hyundai Sonata SE 4-Dr Sedan | $1,050 |
| Chevrolet Equinox LS AWD | $1,052 |
| Toyota Tacoma X-Runner 2WD | $1,076 |
| Toyota Camry SE | $1,084 |
| Dodge Ram Crew Cab TRX 4WD | $1,092 |
| Nissan Rogue SL 2WD | $1,090 |
| Jeep Grand Cherokee Limited 2WD | $1,096 |
| Chevrolet Silverado LS Crew Cab 4WD | $1,103 |
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Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Rate quotes do not factor in specific location which can revise auto insurance rates considerably.
Looking at the rates, you can presume that makes and models like the Ford Escape, Honda CR-V, Ford Focus, and Volkswagen Jetta will be a few of the most economical vehicles to insure for using your car for business. The price for car insurance will be more expensive just because there is more inherent risk for business use, but generally speaking those particular models will most likely have the cheapest car insurance rates compared to all other vehicles.
Figuring out which companies quote the cheapest insurance rates for business use will require a tad more effort in order to find a policy that fits your budget. Each auto insurer has their own unique process to set their prices, so let’s take a look at the most competitive insurance companies in Chula Vista, CA.
Find Cheaper Car Insurance for Business Use
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,109 |
| 2 | Wawanesa | $1,192 |
| 3 | Century National | $1,214 |
| 4 | CSAA | $1,222 |
| 5 | Nationwide | $1,263 |
| 6 | 21st Century | $1,338 |
| 7 | Grange | $1,477 |
| 8 | Mercury | $1,503 |
| 9 | Progressive | $1,512 |
| 10 | Allstate | $1,513 |
| 11 | Allied | $1,541 |
| 12 | GEICO | $1,575 |
| 13 | The Hartford | $1,623 |
| 14 | MetLife | $1,654 |
| 15 | State Farm | $1,682 |
| 16 | Esurance | $1,688 |
| 17 | Unitrin | $1,750 |
| 18 | Travelers | $1,806 |
| 19 | Bristol West | $1,831 |
| 20 | Farmers | $2,006 |
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USAA may have some of the cheapest car insurance rates in Chula Vista at around $1,109 annually. This is $542 less than the average premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide also qualify as some of the cheaper Chula Vista, CA car insurance companies.
As shown in the rates above, if you are a policyholder with Wawanesa and switched to USAA, you could see a yearly price reduction of upwards of $83. Customers with Century National might save as much as $105 a year, and CSAA customers might cut rates by $113 a year.
Be aware that those rates are averaged for all drivers and vehicles and and are not calculated with an exact location for business use. So the auto insurance company that fits you best may not even be in the top 24 companies in the list above. That points out the importance of why you need to quote rates from as many companies as possible using your own individual information.
Get discounts on Chula Vista insurance
Car insurance companies that offer quotes for business use may also offer special discounts that could reduce prices by 30% or more if you are eligible for them. A few of the larger companies and some of the premium reductions they offer are detailed below.
- State Farm policyholders can earn discounts including driver’s education, passive restraint, good driver, accident-free, anti-theft, multiple autos, and defensive driving training.
- American Family may offer discounts for good driver, bundled insurance, Steer into Savings, good student, air bags, and TimeAway discount.
- AAA offers discounts for pay-in-full, good student, good driver, multi-car, AAA membership discount, anti-theft, and multi-policy.
- GEICO offers premium reductions for seat belt use, driver training, good student, membership and employees, and anti-lock brakes.
- Mercury Insurance may have discounts that include accident-free, multi-policy, ease of repair, annual mileage, and anti-theft.
- Farmers Insurance may include discounts for pay in full, bundle discounts, business and professional, mature driver, and youthful driver.
- Progressive has savings for continuous coverage, online quote discount, multi-policy, homeowner, good student, multi-vehicle, and online signing.
The chart below illustrates the difference between car insurance costs with and without discounts applied to the premium. The prices are based on a female driver, no violations or accidents, California state minimum liability limits, comp and collision included, and $1,000 deductibles.
The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with safe-driver, multiple vehicle, vehicle safety, passive restraint, anti-theft, and defensive driving course discounts applied. When drivers take advantage of discounts, the average savings per year on insurance for business use is 28% or $670.
Careless driving habits raise insurance rates
The easiest method to maintain the best insurance prices for using your car for business is to be a careful driver and avoid accidents and traffic violations. The illustration below shows how speeding tickets and fender-benders drive up auto insurance costs for each different age category. The rates are based on a married male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are factored in.
The chart shows that the average cost of an auto insurance policy in Chula Vista per year with no accidents or violations is $1,938. Add in one speeding ticket and the average cost hikes up to $2,228, an increase of $290 each year. Now add one accident along with the one speeding ticket and the annual cost of insurance for business use goes up to an average of $3,036. That’s an increase of $1,098, or $91 per month, just for not being more responsible behind the wheel!
Picking the right auto insurance company can be challenging considering how many companies are available to choose from in California. The company rank data shown next could help you pick which car insurance companies you want to consider shopping your coverage with.
The rankings below are only made up of the largest auto insurers in America, so smaller companies that only insure vehicles in California will not be included in the list. To check prices from these and other companies in California, just click here.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
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Data Source: Insure.com Best Car Insurance Companies
How to find budget-friendly insurance for business use
It’s not impossible to find cheaper rates, and here are some money-saving ideas that can help California drivers locate cheaper coverage.
- Buy a car with high safety ratings
- Multi-policy discounts save money
- Claim-free policyholders usually earn a discount
- Save money by obeying traffic laws and keeping a clean driving record
- Having at-fault accidents will increase rates
- Shop around for cheaper prices often
That final tip is very vital, as was discussed in the prior information. Prices charged by auto insurers can change significantly in a year, so don’t hesitate to switch carriers if a cheaper price is available. Having a favorite company is fine, but we do not recommend it if it’s costing you lots of money. Take a couple minutes and compare prices to find cheaper insurance for business use in Chula Vista.