Wouldn’t it be excellent if we could tell you instantly the one perfect company that has the best rates for teenagers? That is not the case, however, as there are a whole slew of unknown aspects like what coverage limits you want, your gender, how high your deductibles should be, and whether or not you are currently insured, that all have an effect on the price of a policy. The content below covers the best ways to shop for cheaper coverage and will hopefully give you a good start in finding the cheapest insurance.
For teen drivers, one of the more important criteria that are used to help calculate auto insurance rates is where you keep your vehicle. Areas with high crime rates or more dense population will most likely pay more, whereas less populated areas tend to receive slightly lower rates.
The next table lists the priciest cities in California for teenagers to purchase car insurance in. Chula Vista is ranked at #25 with the annual price of $1,298 on average, which is approximately $108 per month.
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Premium amounts are estimated as the specific area where the vehicle is garaged can lower or raise price quotes significantly.
Deciphering which company quotes the cheapest car insurance rates for teenagers will require more work than just comparing rates from one or two companies. Every insurance company used slightly different criteria to set premium rates, so let’s examine the car insurance companies that tend to have lower prices in California.
It’s important to know that Chula Vista, CA car insurance rates are based on many factors which can substantially change the price you have to pay for coverage. Improving your credit rating, moving to a new city, or having an at-fault accident can trigger rate changes that may make certain companies more affordable than others.
Lowest Insurance Price Quotes for Teens
USAA has some of the cheapest car insurance rates in Chula Vista at around $1,121 per year. Wawanesa, Century National, CSAA, and Nationwide also qualify as some of the cheaper Chula Vista, CA insurance companies.
As shown above, if you currently buy coverage from CSAA and switched to Wawanesa, you might realize yearly savings of in the neighborhood of $65. Policyholders with Nationwide could save as much as $93 a year, and 21st Century customers might lower prices by up to $181 a year.
To see if your current coverage is too expensive, click here to get a free quote or feel free to get quotes from the companies below.
Remember that these rates are averages for all types of drivers and the different vehicles they drive and and are not calculated with a specific location for teenagers. So the auto insurance company that fits your situation best may not even be in the top 24 companies in the list above. That helps illustrate why you need to get quotes using your own specific driver and vehicle information.
The vehicle you are seeking coverage for is probably the most important factor when shopping for cheap insurance for teenagers. Vehicles with reasonable performance levels, a great safety record, or a positive history of liability claims will cost less to insure than high performance models. The next table presents auto insurance costs for some of the cheaper automobiles to insure in California.
|Make, Model, and Trim Level||Estimated Cost for Full Coverage|
|Honda CR-V EX-L 4WD||$802|
|Ford Edge SE 2WD||$862|
|Dodge Grand Caravan SE||$880|
|Ford F-150 XLT Crew Cab 2WD||$887|
|Ford Explorer Eddie Bauer 2WD||$880|
|Chevrolet Impala LS||$910|
|Ford Escape XLT 2WD||$960|
|Honda Accord LX-P 4-Dr Sedan||$969|
|Honda Odyssey EX-L||$976|
|Hyundai Elantra SE 4-Dr Sedan||$983|
|Jeep Grand Cherokee Limited 4WD||$994|
|Ford Focus SES 2-Dr Coupe||$1,043|
|Toyota Tacoma Double Cab 4WD||$1,061|
|Dodge Ram 2500 Crew Cab Laramie 4WD||$1,079|
|Jeep Wrangler Unlimited Sport 4WD 4-Dr||$1,101|
|Ford Fusion S 4-Dr Sedan||$1,137|
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Prices above based on single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Estimates do not factor in specific Chula Vista, CA garaging location which can alter premium rates noticeably.
Looking at the rates, we can infer that vehicles like the Honda CR-V, Ford Edge, Toyota Prius, Dodge Grand Caravan, and Ford F-150 will definitely be the cheapest vehicles to insure for teen drivers.
The information below demonstrates how deductibles can affect premium costs when getting quotes for cheap insurance for teenagers. The premium estimates are based on a married female driver, comp and collision included, and no additional discounts are factored in.
A 50-year-old driver could save $420 a year by increasing from a $100 deductible to a $500 deductible, or save $634 by selecting a $1,000 deductible. Younger drivers, like the Age 20 category, could possibly save up to $1,042 every year by using higher deductibles when buying full coverage.
If you do make the decision to raise your deductibles, it will be required to have plenty of discretionary funds to cover the extra out-of-pocket expense that deters many people from opting for higher deductibles.
Discounts on Chula Vista car insurance
Insurance providers that provide coverage for teenagers may have rate discounts that could reduce prices by as much as 35% or more if you meet specific eligibility requirements. Large car insurance companies and some of the premium reductions they offer are shown below.
- State Farm offers discounts including multiple autos, driver’s education, defensive driving training, Drive Safe & Save, student away at school, and good student.
- GEICO policyholders can earn discounts including defensive driver, emergency military deployment, driver training, federal employee, anti-theft, membership and employees, and air bags.
- SAFECO has savings for anti-theft, drive less, teen safety rewards, accident prevention training, and safe driver.
- Farmers Insurance offers discounts for early shopping, switch companies, bundle discounts, mature driver, and electronic funds transfer.
- AAA may include discounts for good driver, education and occupation, multi-policy, good student, anti-theft, and pay-in-full.
- USAA has discounts for multi-vehicle, multi-policy, vehicle storage, good student, and loyalty savings.
The illustration below compares insurance prices with and without discounts applied to the rates. The premium estimates are based on a female driver, no claims or driving violations, California state minimum liability limits, full physical damage coverage, and $1,000 deductibles.
The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with multiple policy, accident-free, marriage, homeowner, multiple vehicle, and safe-driver discounts applied. With discounts applied, the average amount saved each year on car insurance for teenagers is 28% or $493.
How to find the cheapest insurance for teenagers
The list below shows some penny-pinching solutions that can help drivers locate cheap auto insurance.
- Bundle home and auto and earn a discount
- The safer your car, the less it costs to insure
- Do not get tickets or violations
- Prevent rate increases by staying accident-free
- Avoid filing excessive claims
- Keep rates low by comparing prices once a year
The final tip is very vital, as was noted in the prior information. Prices charged by auto insurers in Chula Vista can be adjusted at any time, so drivers shouldn’t hesitate to buy from a different company if you can find a cheaper rate. Loyalty to a specific company is fine, but it’s not recommended if that devotion results in you overpaying a small fortune. Take a few minutes and compare rates to find cheaper auto insurance for teenagers.
If you like to have some advice when shopping around for cheaper insurance for teenagers, the professional agents shown below can most likely help you make a decision which coverages you need.
To locate a Chula Vista car insurance agency close to you, click the button following the list or click here to get price quotes now.
- Daylight Insurance Brokerage
900 Lane Ave #128 – Chula Vista, CA 91914 – (619) 240-7164
- Farmers Insurance: Julie Garcia
2060 Otay Lakes Rd Ste 240 – Chula Vista, CA 91915 – (619) 401-1104
- Fred Hetter – State Farm Insurance Agent
265 E St Suite B – Chula Vista, CA 91910 – (619) 420-9430