The words “bargain” and “auto insurance” really don’t belong together, in particular when looking for the best car insurance rates for immigrants. Because it’s so expensive, let’s teach you a few of the things that have a considerable impact on car insurance premiums, and find some ways to take the sting out of the next policy you buy.
Figuring out which companies offer the best auto insurance rates for immigrants calls for a little more sweat in order to find the lowest price. Every insurance company has a unique approach for determining prices, so let’s rank the auto insurance companies with the most affordable rates in California.
It’s important to know that Chula Vista auto insurance rates are calculated based on many things which can substantially change your annual premium. Improving your credit rating, buying a home instead of renting, or having an at-fault accident can produce rate changes that can cause some rates to be more affordable than others.
Cheapest Insurance Rates for Migrants
USAA may have some of the most affordable car insurance rates in Chula Vista at around $1,109 annually. Wawanesa, CSAA, Century National, and Nationwide also qualify as some of the cheaper Chula Vista, CA auto insurance companies.
As shown in the table above, if you are insured with Century National and switched to Wawanesa, you might see an annual savings of roughly $34. Customers with Nationwide might save as much as $58 a year, and 21st Century policyholders might cut rates by $174 a year.
To get a quick, customized rate comparison, click here to begin a quote or feel free to get quotes from the companies below.
Be aware that those prices are averaged across all insureds and vehicles and and are not figured with a specific location for immigrants. So the car insurance company that has the cheapest rates for you may not even be in the top 24 companies shown above. That emphasizes why you need to get rate quotes from many companies using your own driver data and vehicle information.
For foreigners, one of the big things that are used to help calculate the cost of insurance is where you choose to live. More densely populated places tend to have more expensive car insurance rates, whereas areas with lower crime rates and fewer weather claims tend to receive slightly lower rates.
The table below sorts the most costly cities in California for immigrants to buy auto insurance in. Chula Vista is ranked at #25 with the annual price of $1,311 for car insurance, which is approximately $109 each month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Glendale | $2,142 |
| 2 | Los Angeles | $2,083 |
| 3 | Sacramento | $1,720 |
| 4 | San Francisco | $1,693 |
| 5 | Oakland | $1,687 |
| 6 | San Bernardino | $1,596 |
| 7 | Santa Clarita | $1,595 |
| 8 | Long Beach | $1,562 |
| 9 | Garden Grove | $1,554 |
| 10 | Moreno Valley | $1,551 |
| 11 | Stockton | $1,541 |
| 12 | Fontana | $1,519 |
| 13 | Fresno | $1,517 |
| 14 | Modesto | $1,502 |
| 15 | Riverside | $1,497 |
| 16 | Santa Ana | $1,483 |
| 17 | Anaheim | $1,444 |
| 18 | San Jose | $1,437 |
| 19 | Irvine | $1,371 |
| 20 | Fremont | $1,361 |
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Rate information is estimated as vehicle location can change coverage prices noticeably.
The vehicle model you are trying to insure is a large consideration when comparing quotes for the most affordable insurance for immigrants. Vehicles with high performance, poor passenger safety features, or high incidents of liability claims will cost quite a bit more to insure than safer models.
The data below illustrates insurance premiums for a handful of the more affordable automobiles to buy coverage for.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord LX-P 4-Dr Sedan | $776 |
| Ford Escape XLT 2WD | $786 |
| Hyundai Elantra SE Touring Station Wagon | $842 |
| Honda Odyssey EX W/Rear Entertainment | $902 |
| Ford Edge SEL 2WD | $907 |
| Chevrolet Impala LS | $902 |
| Chevrolet Equinox LT AWD | $920 |
| Ford Explorer Eddie Bauer AWD | $936 |
| Honda CR-V LX 2WD | $950 |
| Toyota Prius | $984 |
| Volkswagen Jetta 2.0T 4-Dr Sedan | $991 |
| GMC Sierra SLT Crew Cab 2WD | $984 |
| Ford Focus SES 2-Dr Coupe | $1,034 |
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Cost estimates 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 location which can influence insurance rates substantially.
Based upon these rates, makes and models like the Honda Accord, Ford Escape, and Hyundai Elantra are most likely to be the less-costly vehicles to insure for foreigners.
Auto insurance rates are higher with tickets and accidents
The obvious way to enjoy good auto insurance premiums for foreigners is to drive carefully and avoid getting tickets or having accidents. The information below illustrates how speeding tickets and at-fault claims impact insurance costs for different age groups. The premium estimates are based on a single female driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied.
In the chart above, the average cost of car insurance in California per year with no violations or accidents is $1,767. Get two speeding tickets and the average cost rises to $2,351, an increase of $585 each year. Now add in one accident along with the two speeding tickets and the yearly cost of auto insurance for immigrants jumps again to an average of $2,946. That’s an increase of $1,179, or $98 per month, just for not maintaining a clean driving record!
The illustration below demonstrates how choosing different deductibles can increase or decrease annual premium costs when quoting cheap insurance for immigrants. The costs are based on a single male driver, full physical damage coverage, and no policy discounts are applied.
A 40-year-old driver could lower their policy premium by $492 a year by changing from a $100 deductible to a $500 deductible, or save $738 by choosing a $1,000 deductible. Younger drivers, such as the 20-year-old chart data, could lower their rates as much as $1,640 annually just by choosing higher deductibles. When increasing deductibles, it is a good idea to have plenty of money set aside to enable you to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.
How to find low-cost insurance for immigrants
Here are some money-saving solutions that can help Chula Vista drivers locate cheap coverage.
- Increase your credit rating
- Buy vehicles with five-star safety ratings
- Accidents can significantly increase rates
- Bundle home and auto and earn a discount
- Don’t waste money on full coverage for older vehicles
- Check for cheaper rates once a year
That last piece of advice is extremely important, as was discussed in the prior article. Car insurance rates can be modified anytime, so don’t be tentative to buy from a new company if you find a better deal.
We understand brand loyalty, but we do not recommend it if that stubbornness costs you a lot of money every month. It only takes a couple minutes to compare rates to find cheaper car insurance for immigrants in Chula Vista.