Wouldn’t it be great if we could instantly tell you the single best company in Chula Vista that has the most affordable coverage for good students? It’s not that easy, however, as there are a whole bunch of unknowns like any tickets or violations, the safety ratings of your vehicle, what coverage limits you want, and when you were born, that all impact the price you pay. This article should teach you a little about the best ways to maintain low rates and will hopefully give the reader a good beginning to your quest for cheaper car insurance in California.
Shopping around for cost effective auto insurance is hard enough, and finding out which companies have the lowest-priced car insurance rates for good students requires additional perseverance. Every insurance company uses a slightly different approach for setting rates, so we’ll go over the car insurance companies with the most affordable rates in Chula Vista, CA.
We do need to point out that Chula Vista, CA car insurance rates are impacted by many things that can increase the price you have to pay. Events like a birthday, buying higher coverage limits, or getting a reckless driving citation can produce rate changes that may make certain companies cheaper than before.
Compare Cheap Insurance Quotes for Students
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,109 |
| 2 | Wawanesa | $1,181 |
| 3 | CSAA | $1,186 |
| 4 | Century National | $1,190 |
| 5 | Nationwide | $1,226 |
| 6 | 21st Century | $1,366 |
| 7 | Grange | $1,477 |
| 8 | Mercury | $1,503 |
| 9 | Progressive | $1,512 |
| 10 | GEICO | $1,513 |
| 11 | Allstate | $1,513 |
| 12 | MetLife | $1,590 |
| 13 | Allied | $1,603 |
| 14 | The Hartford | $1,639 |
| 15 | Unitrin | $1,682 |
| 16 | State Farm | $1,733 |
| 17 | Esurance | $1,739 |
| 18 | Bristol West | $1,795 |
| 19 | Travelers | $1,806 |
| 20 | Farmers | $2,006 |
| Compare Rates Now Go | ||
USAA generally has some of the best car insurance rates in Chula Vista at around $1,109 annually. This is $542 less than the average policy premium paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide also are some of the best Chula Vista, CA car insurance companies.
As shown in the table above, if you currently have coverage with Century National and switched to Wawanesa, you could earn savings of approximately $9. Insureds with Nationwide may save as much as $45 a year, and 21st Century policyholders might realize rate reductions of up to $185 a year.
To get a fast rate comparison, click here to start your free quote or quote prices from the following companies.
Be aware that those prices are averages for all ages of drivers and types of vehicles and do not factor in an exact zip code location for good students. So the auto insurance company that fits your needs best may not even be in the top 24 companies in the list above. That helps illustrate why you need to compare as many prices as possible using your own driver data and vehicle information.
The make and model of vehicle needing coverage is one of the biggest factors when shopping around for low-priced car insurance for good students. Vehicles with high performance, poor crash test ratings, or a high likelihood of having liability claims will cost more to insure than safer models. The list below shows auto insurance rates for the cheaper vehicles to insure in California.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord LX 4-Dr Sedan | $3,669 |
| Honda CR-V EX-L 4WD | $3,703 |
| Jeep Wrangler Sport 4WD 2-Dr | $3,863 |
| Ford Escape Limited 4WD | $3,929 |
| Toyota Prius | $3,964 |
| Honda Odyssey LX | $4,089 |
| Chevrolet Impala LS | $4,314 |
| Ford Edge SEL AWD | $4,321 |
| Ford Focus S 4-Dr Sedan | $4,314 |
| Toyota RAV4 4WD | $4,349 |
| Chevrolet Equinox LS 2WD | $4,359 |
| Toyota Camry LE | $4,349 |
| Nissan Altima 2.5 4-Dr Sedan | $4,359 |
| Ford Explorer Limited AWD | $4,384 |
| Dodge Grand Caravan SXT | $4,393 |
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Price data assumes single male driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, and claim-free. Premium costs do not factor in specific location information which can modify coverage prices significantly.
Based upon these rates, you can presume that cars like the Honda Accord, Honda CR-V, Jeep Wrangler, Ford Escape, and Toyota Prius are most likely going to be a few of the most economical vehicles to insure for student drivers.
One of the many factors that are looked at to help calculate the annual cost of car insurance is where you call home in Chula Vista. Areas with high crime rates or more dense population likely pay more, whereas areas with lower vehicle theft rates and fewer weather claims have the benefit of cheaper car insurance.
The next table shows the highest-priced places in California for good students to buy auto insurance in. Chula Vista makes the list at #24 costing $1,311 for car insurance, which is around $109 each month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Los Angeles | $2,104 |
| 2 | Glendale | $2,079 |
| 3 | San Francisco | $1,763 |
| 4 | Oakland | $1,755 |
| 5 | Sacramento | $1,669 |
| 6 | San Bernardino | $1,628 |
| 7 | Long Beach | $1,578 |
| 8 | Fontana | $1,566 |
| 9 | Stockton | $1,541 |
| 10 | Santa Clarita | $1,533 |
| 11 | Garden Grove | $1,524 |
| 12 | Fresno | $1,517 |
| 13 | Modesto | $1,502 |
| 14 | Santa Ana | $1,497 |
| 15 | Riverside | $1,497 |
| 16 | Moreno Valley | $1,491 |
| 17 | Anaheim | $1,444 |
| 18 | San Jose | $1,395 |
| 19 | San Diego | $1,381 |
| 20 | Bakersfield | $1,381 |
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Table data uses comparative as the specific Chula Vista residence address can lower or raise coverage prices substantially.
How to find a good California car insurance company
Finding a good quality car insurance provider can be rather challenging considering how many different companies sell coverage in Chula Vista. The ranking information shown below could help you choose which providers you want to consider comparing prices from.
The rankings below are only made up of companies that insure vehicles across America, so companies without a large exposure are not included in these rankings. To compare rates from these and other top-rated companies, click this link.
| 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 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Cost difference between full coverage and liability
Finding cheaper car insurance is the goal of the majority of vehicle owners, and one great way to buy cheaper insurance for good students is to not insure for full coverage. The information below compares premium costs with and without full coverage. The costs are based on a clean driving record, no claims, $500 deductibles, drivers are not married, and no discounts are taken into consideration.
If we average all the age groups together, physical damage insurance costs an additional $2,075 per year over and above liability coverage. Many of you may wonder if you should buy full coverage at all. There is no definitive formula to eliminate physical damage coverage, but there is a general guideline. If the annual cost of comprehensive and collision coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.
For example, let’s assume your vehicle’s book value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would receive is $7,000 after the deductible is paid. If you are currently paying more than $700 annually for your policy with full coverage, then it may be the right time to buy liability only.
Why are you paying too much for car insurance?
California car insurance rates are determined by lots of factors which can substantially change your annual premium. Turning one year older, buying a home, or getting a speeding ticket may cause policy rate changes that can now make some companies much cheaper than others. Not only may your risk profile change, but companies change the rates they charge in California as often as every three months as an adjustment for underwriting gains or losses. Higher than normal claim frequency or severity can cause additional price hikes, while less frequent claims may result in cheaper Chula Vista car insurance rates.
To illustrate this point, 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, a clean driving record, and a good credit history. When quoting prices based on her personal risk profile, USAA may offer the cheapest car insurance rates in Chula Vista at $1,184 a year. This is $467 less than the average policy premium paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide are also included in the top five cheapest Chula Vista, CA auto insurance companies.
Now we will give the driver from the above example a chargeable accident, poor credit, and an imperfect driving record. Due to the fact that every insurance company has a unique formula to set policy rates, comparing insurance quotes could result in a substantially altered list of cheap Chula Vista auto insurance companies as shown below.
Grange now has the cheapest insurance rate in Chula Vista, CA with Progressive, Mercury, GEICO, and Allstate now rounding out the top five. This illustrates why consumers need to spend some time comparing rates to find cheap auto insurance quotes for good students.
Prices are influenced by many risk factors and can change without notice, so the cheapest company when you bought your policy may now be wasting a lot of money.