Deciding which insurers offer the most affordable auto insurance rates for active military involves a little more effort in order to find coverage that fits your budget.
Every insurance company has their own unique process to set their prices, so we’ll take a look at the auto insurance companies with the overall best prices in California. Keep in mind that Chula Vista auto insurance rates are impacted by many things which can substantially change the policy price. Simply getting older, buying a home, or getting a few speeding tickets can trigger rate changes that can cause some rates to be more affordable than before.
Lowest Insurance Price Quotes for Military
USAA offers some of the best car insurance rates in Chula Vista at around $1,121 each year. This is $530 less than the average rate paid by California drivers of $1,651. CSAA, Century National, Wawanesa, and Nationwide would also make the list of some of the cheapest Chula Vista, CA car insurance companies.
In this example, if you have coverage with Century National and switched to USAA, you could earn yearly savings of in the vicinity of $69. Drivers with Wawanesa might save as much as $71 a year, and Nationwide customers might realize rate reductions of up to $92 a year.
If you want to see how much you could save, click here to get a free quote or visit several of the following companies.
These rates are averages across all types of drivers and the different vehicles they drive and and are not figured with an exact zip code location for active military. So the insurer that can offer you the best price may not even be in the top 24 companies shown above. That helps illustrate why you need to get car insurance quotes using your own driver data and vehicle information.
The make and model of vehicle you are buying coverage for is probably the most important factor that determines the availability of the best insurance for active military. Vehicles with limited speed and performance, advanced safety features, or a track record of few liability claims will cost much less to insure than higher performance models. The table below illustrates car insurance premiums for a handful of the more affordable automobiles to buy coverage for.
|Make and Model||Estimated Cost for Full Coverage|
|Honda CR-V EX 2WD||$779|
|Ford Escape Limited 2WD||$797|
|Honda Accord LX-P 4-Dr Sedan||$891|
|Volkswagen Jetta 2.0T Station Wagon||$911|
|Toyota RAV4 Limited 4WD||$921|
|Ford Explorer Limited 2WD||$939|
|Jeep Wrangler Unlimited Sport 4WD 4-Dr||$953|
|Hyundai Elantra SE Touring Station Wagon||$967|
|Chevrolet Impala LTZ||$969|
|Ford F-150 STX Super Cab 2WD||$981|
|Ford Fusion SE 4-Dr Sedan||$995|
|Chevrolet Silverado LS Extended Cab 2WD||$989|
|GMC Sierra 2500HD SLT Extended Cab 4WD||$1,036|
|Ford Edge SE 2WD||$1,048|
|Dodge Grand Caravan Hero||$1,058|
|Toyota Tacoma 2WD||$1,108|
|Honda Odyssey EX||$1,115|
|Toyota Corolla S||$1,114|
|Chevrolet Equinox LTZ 2WD||$1,134|
|GMC Sierra SLT Extended Cab 2WD||$1,140|
|Nissan Rogue S 2WD||$1,136|
|Kia Optima LX||$1,144|
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Premium data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Rate quotes do not factor in Chula Vista, CA location which can lower or raise coverage rates greatly.
By looking at the data, you can see that models like the Honda CR-V, Ford Escape, Honda Accord, Volkswagen Jetta, and Toyota RAV4 are going to be some of the cheapest vehicles to insure for military personnel.
One of the more important components that help determine the price you pay for insurance is where you normally keep your vehicle in Chula Vista. Cities with more crime and/or more people tend to have higher rates, whereas more rural areas can boast about having cheaper rates.
The information below sorts the most expensive places in California for active military to buy car insurance in. Chula Vista is listed at #22 costing $1,350 for coverage, which is about $113 per month.
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Table data uses estimated as the vehicle garaging location can raise or lower price quotes considerably.
The chart below demonstrates how choosing different deductibles can affect insurance prices when trying to find cheap insurance for active military. The data is based on a married male driver, full coverage, and no discounts are factored in.
The chart above illustrates that a 50-year-old driver could lower their car insurance rates by $416 a year by increasing from a $100 deductible up to a $500 deductible, or save $626 by choosing a $1,000 deductible. Even younger drivers, like the Age 20 chart data, can save up to $1,398 every year just by choosing larger deductibles.
When insureds make the decision to increase the deductibles on their policy, it will be required to have additional savings on hand to enable you to cover the extra out-of-pocket expense associated with higher deductibles.
Violations and accidents raise rates
The best way to score the cheapest auto insurance premiums in Chula Vista for military personnel is to drive safe and not get tickets or have accidents. The example below demonstrates how speeding tickets and at-fault claims impact insurance costs for different ages of insureds. The data is based on a married female driver, full physical damage coverage, $250 deductibles, and no policy discounts are applied.
In the chart above, the average cost of auto insurance in Chula Vista per year with no violations or accidents is $1,975. Get two speeding tickets and the average cost swells to $2,814, an increase of $839 each year. Now throw in two accidents along with the two speeding tickets and the yearly cost of auto insurance for active military goes up to an average of $5,773. That’s an increase of $3,798, or $317 per month, just for being a little careless behind the wheel!
Liability only or full coverage
Saving money on auto insurance is important to most drivers, and one of the quickest ways to pay lower rates for insurance for active military is to only buy liability insurance. The illustration below compares yearly insurance costs with full physical damage coverage compared to only buying liability only. The data assumes a clean driving record, no claims, $100 deductibles, marital status is single, and no discounts are applied.
Averaged for all age groups, physical damage coverage on your policy costs an extra $3,444 per year more than just buying liability only. At some point, almost every driver questions if buying full coverage is a good investment. There is no exact formula to stop paying for comp and collision coverage, but there is a general guideline. If the yearly cost of comp and collision coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then you may need to consider dropping full coverage.
If you have questions and prefer to get some help when comparing insurance rates for active military, the agencies below can aid you in deciding which car insurance policy is best. To locate an agency closest to you, click the button after the list.
Allstate Insurance: Steven F Hovland
88 Bonita Rd Ste D – Chula Vista, CA 91910 – (619) 425-9400
Brian Konishi – Allstate Insurance Agent
786 Third Ave – Chula Vista, CA 91910 – (619) 426-6580
Daylight Insurance Brokerage
900 Lane Ave #128 – Chula Vista, CA 91914 – (619) 240-7164
L A Insurance
202 Broadway – Chula Vista, CA 91910 – (619) 476-1800