The words “economical” and “insurance” really should not be used together, in particular when looking for the lowest insurance prices for teachers. Because it’s so expensive, let’s go over a few of the things that significantly impact insurance rates, and find some ways to reduce the cost of your next policy.
The vehicle model needing coverage is probably the most important factor when shopping for the cheapest insurance for teachers. Vehicles with more horsepower, poor safety features, or a high likelihood of having liability claims will cost more to insure than more modest models.
The information below showcases car insurance rates for a number of the most economical vehicles to insure in California.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord EX 4-Dr Sedan | $788 |
| Ford Escape XLT 2WD | $860 |
| Honda CR-V EX 2WD | $870 |
| Chevrolet Equinox LS AWD | $934 |
| Jeep Grand Cherokee Laredo 4WD | $940 |
| Chevrolet Silverado LS Extended Cab 4WD | $934 |
| Chevrolet Malibu LS | $943 |
| Dodge Grand Caravan Hero | $934 |
| Volkswagen Jetta S 2.5 Station Wagon | $936 |
| Toyota Prius | $956 |
| Ford Explorer XLT AWD | $964 |
| Ford F-150 STX Super Cab 2WD | $978 |
| Toyota Corolla LE | $984 |
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Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Price information does not factor in specific location information which can revise premium rates significantly.
Based upon the rates shown, you can infer that cars like the Honda Accord, Ford Escape, and Honda CR-V should be the cheaper vehicles to insure for teachers and educators.
Finding decent, cheap car insurance is easier said than done, and deciding which companies offer the best car insurance rates for teachers will require even more diligence. Each company has a different process for setting prices, so to begin we’ll rank the overall cheapest car insurance companies in Chula Vista, CA.
Lowest Insurance Price Quotes for Educators
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,143 |
| 2 | Wawanesa | $1,157 |
| 3 | Century National | $1,190 |
| 4 | CSAA | $1,198 |
| 5 | Nationwide | $1,263 |
| 6 | 21st Century | $1,338 |
| 7 | Grange | $1,491 |
| 8 | Allstate | $1,497 |
| 9 | Mercury | $1,548 |
| 10 | Progressive | $1,558 |
| 11 | GEICO | $1,559 |
| 12 | The Hartford | $1,575 |
| 13 | Allied | $1,588 |
| 14 | MetLife | $1,606 |
| 15 | Esurance | $1,705 |
| 16 | State Farm | $1,733 |
| 17 | Unitrin | $1,750 |
| 18 | Bristol West | $1,849 |
| 19 | Travelers | $1,860 |
| 20 | Farmers | $2,006 |
| Find Cheaper Rates Go | ||
USAA quotes some of the most affordable car insurance rates in Chula Vista at around $1,143 per year. This is $508 less than the average premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide would also make the list of some of the cheaper Chula Vista, CA car insurance companies.
As the rates illustrate above, if you currently have a policy with Century National and switched to USAA, you could realize annual savings of roughly $47. Policyholders with CSAA might save as much as $55 a year, and Nationwide policyholders might lower prices by $120 a year.
To get a quick, customized rate comparison, click here to start your custom quote or click through to the companies below.
Remember that these policy prices are averages across all drivers and vehicles and do not take into consideration a specific location for teachers. So the car insurance company that has the lowest price for you may not even be in the list above. That helps illustrate why you need to compare rates from as many companies as possible using your own personal information and vehicle type.
For teachers and educators, one of the more important components that determine auto insurance rates is the neighborhood you call home. Areas with a lot of weather claims or more people tend to have higher rates, whereas areas with less people or fewer weather incidents can boast about having cheaper rates.
The following table rates the most expensive areas in California for teachers to purchase a policy in. Chula Vista comes in at #24 with the annual price of $1,311 on average, which is approximately $109 monthly.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Los Angeles | $2,104 |
| 2 | Glendale | $2,079 |
| 3 | San Francisco | $1,763 |
| 4 | Sacramento | $1,703 |
| 5 | Oakland | $1,687 |
| 6 | San Bernardino | $1,580 |
| 7 | Long Beach | $1,562 |
| 8 | Stockton | $1,556 |
| 9 | Garden Grove | $1,554 |
| 10 | Moreno Valley | $1,551 |
| 11 | Fontana | $1,535 |
| 12 | Santa Clarita | $1,533 |
| 13 | Santa Ana | $1,497 |
| 14 | Riverside | $1,497 |
| 15 | Modesto | $1,487 |
| 16 | Fresno | $1,472 |
| 17 | San Jose | $1,437 |
| 18 | Anaheim | $1,430 |
| 19 | Huntington Beach | $1,402 |
| 20 | Fremont | $1,389 |
| 21 | Irvine | $1,384 |
| 22 | Bakersfield | $1,340 |
| 23 | San Diego | $1,327 |
| 24 | Chula Vista | $1,311 |
| 25 | Oxnard | $1,304 |
| Find the Best Rates Go | ||
Price information shown is approximated as the vehicle garaging location can decrease or increase coverage prices noticeably.
Rate increases following a ticket or accident
The ideal way to receive the most affordable car insurance premiums in California for teachers and educators is to be a cautious driver and avoid accidents and violations. The example below illustrates how traffic citations and accident claims increase car insurance rates for different age groups. The price estimates are based on a married female driver, comprehensive and collision coverage, $250 deductibles, and no policy discounts are applied.
In the previous chart, the average cost of car insurance in Chula Vista per year with a clean driving record and no accidents is $2,372. Get written up for one speeding ticket and the average cost increases to $2,765, an increase of $392 each year. Then add in one accident along with the one speeding ticket and the 12-month cost of car insurance for teachers increases to an average of $3,882. That’s an increase of $1,510, or $126 per month, just for not paying attention while driving!
Discount Chula Vista insurance rates
Insurers that offer coverage for teachers may also offer rate discounts that can lower rates by as much as 35% if you meet certain criteria. Popular car insurance companies and their possible discounts can be found below.
- State Farm offers premium reductions for good student, student away at school, accident-free, driver’s education, multiple policy, and safe vehicle.
- American Family may have discounts that include early bird, good driver, defensive driver, Steer into Savings, accident-free, multi-vehicle, and bundled insurance.
- GEICO may offer discounts for federal employee, air bags, defensive driver, good student, anti-theft, multi-policy, and military active duty.
- 21st Century has discounts for theft prevention, 55 and older, student driver, automatic seat belts, driver training, good student, and early bird.
- Progressive offers discounts including multi-vehicle, continuous coverage, homeowner, good student, multi-policy, and online signing.
The diagram below illustrates the difference between auto insurance costs with and without policy discounts. The price estimates are based on a male driver, no accidents or driving violations, California state minimum liability limits, full physical damage coverage, and $500 deductibles.
The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with multiple policy, homeowner, multiple vehicle, safe-driver, vehicle safety, and claim-free discounts applied. With discounts applied, the average savings per year on car insurance for teachers is 28% or $630.
How to find low-cost insurance for teachers
Lowering your rates is not difficult, and here are a few thrifty ideas that can help you quote low-cost auto insurance.
- If your vehicles are older, consider dropping full coverage
- Good credit can help you save money
- Staying accident-free helps keep rates low
- Maintain a clean driving record
- Increase physical damage deductibles
- Choose a safer vehicle and pay lower rates
- Comparison shop frequently
That last idea is extremely crucial, as we stressed in this write-up. Car insurance prices fluctuate constantly, so don’t hesitate to switch to a new company if you can save money.
Staying with the same car insurance company is fine, but it’s not a good idea if that inflexibility results in costing you lots of hard earned cash every month. Take a couple minutes and shop around and find cheaper insurance for teachers in Chula Vista.