Wouldn’t life be so easy if we could instantly tell you the one perfect company that has the cheapest insurance for drivers with bad credit? It’s not that easy, however, as there are a lot of unknown elements like the number of miles you drive in a year, if you have a coverage lapse, if you just need liability coverage, and the vehicle you drive, that help determine the price you have to pay. The content below will cover some of these things and will hopefully give you a jump start in finding the best auto insurance in Chula Vista.
Comparing quotes for affordable insurance is tough enough, and figuring out which companies quote the lowest-priced auto insurance rates for drivers with bad credit involves additional perseverance. Each auto insurer uses a little different formula for determining rates, so let’s begin by examining the most budget-friendly auto insurance companies in Chula Vista, CA.
It’s important that readers know that Chula Vista auto insurance rates are influenced by many factors that may substantially change the price of your policy. Simply turning a year older, buying a newer car, or getting a driving violation may cause policy rate changes resulting in some companies being cheaper in comparison to the competition.
Find the Best Cheap Insurance with Bad Credit
|Rank||Company||Cost Per Year|
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USAA may offer some of the cheapest car insurance rates in Chula Vista at around $1,143 annually. This is $508 less than the average price paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide would also make the list of some of the lowest-priced Chula Vista, CA insurance companies.
As shown above, if you have coverage with Century National and switched to Wawanesa, you could earn an annual premium reduction of roughly $45. California drivers with Nationwide could save as much as $82 a year, and 21st Century policyholders might realize rate reductions of up to $157 a year.
Bear in mind that those rates are averaged for all types of drivers and the different vehicles they drive and are not factoring in a specific zip code for drivers with bad credit. So the auto insurance company that can offer you the best rate may not even be in the list above. That helps illustrate why you need to compare as many prices as possible using your own driver information and specific vehicle type.
The vehicle driven is one of the biggest factors when looking for cheaper insurance for drivers with bad credit. Vehicles with high performance engines, poor crash test ratings, or an increased likelihood of liability claims will cost quite a bit more to insure than safer models. The table below estimates auto insurance costs for a number of the most cost-effective automobiles to insure in California.
|Vehicle||Estimated Cost for Full Coverage|
|Jeep Wrangler Sport 4WD 2-Dr||$816|
|Honda Accord EX-L 4-Dr Sedan||$856|
|Honda CR-V EX 2WD||$860|
|Ford Escape XLT 4WD||$880|
|Chevrolet Malibu LS||$934|
|Ford Explorer Eddie Bauer 4WD||$950|
|Ford Edge Sport AWD||$984|
|Honda Odyssey EX-L W/Navigation||$992|
|Dodge Grand Caravan CV||$1,002|
|Toyota RAV4 Limited 4WD||$1,020|
|Jeep Grand Cherokee Laredo 4WD||$1,029|
|GMC Sierra SL Extended Cab 2WD||$1,020|
|Chevrolet Impala LT||$1,052|
|Volkswagen Jetta LE 4-Dr Sedan||$1,057|
|Honda Civic LX 4-Dr Sedan||$1,056|
|Kia Optima EX||$1,066|
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Data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Price estimates do not factor in your specific Chula Vista, CA location which can change insurance rates substantially.
Based upon the rates shown, cars like the Jeep Wrangler, Honda Accord, Honda CR-V, and Ford Escape will definitely be the cheaper vehicles to insure for people with poor credit. Auto insurance rates will be more costly because of the fact that there is more exposure for drivers with bad credit, but overall those particular models will tend to have the lowest insurance rates that you’ll find.
One of the many criteria that determine car insurance rates is where you call home in Chula Vista. Areas with a lot of weather claims or more people tend to pay slightly more, whereas less populated areas profit from lower rates.
The illustration below lists the most expensive places in California for drivers with bad credit to purchase a policy in. Chula Vista is ranked at #25 with a yearly premium of $1,298 on average, which is about $108 monthly.
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Premium costs are comparative as the vehicle garaging location can alter price quotes significantly.
Get discounts on Chula Vista insurance rates
Insurers that offer cheap quotes for drivers with bad credit may have rate discounts that can lower rates by 30% or more if you qualify. The best auto insurance companies and their offered discounts are included below.
- Esurance includes discounts for DriveSense, renters, claim free, homeowner, and multi-car.
- The Hartford offers premium reductions for vehicle fuel type, anti-theft, defensive driver, air bag, and driver training.
- AAA may include discounts for good student, pay-in-full, multi-car, multi-policy, education and occupation, and AAA membership discount.
- GEICO may have discounts that include anti-theft, federal employee, multi-vehicle, membership and employees, good student, and five-year accident-free.
- State Farm may offer discounts for Steer Clear safe driver discount, multiple autos, multiple policy, accident-free, anti-theft, and Drive Safe & Save.
The information below compares premium costs with and without discounts applied to the premium. The premium estimates are based on a female driver, a clean driving record, no claims, California state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with homeowner, accident-free, anti-theft, vehicle safety, multiple policy, and passive restraint discounts applied. When discounts are factored in, theamount saved on auto insurance for drivers with bad credit is 28% or $532.
Insurance rate increases from tickets or accidents
A great way to snag affordable auto insurance premiums in California for people with poor credit is to pay attention while driving and avoid accidents and traffic citations. The chart below shows how traffic citations and accidents can influence insurance prices for different age groups of insureds. Data assumes a married female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied.
The data above shows the average cost of auto insurance per year with no violations or accidents is $2,596. Receive two speeding tickets and the average cost increases to $3,710, an increase of $1,114 each year. Then add one accident along with the two speeding tickets and the yearly cost of auto insurance for drivers with bad credit jumps again to an average of $4,851. That’s an increase of $2,255, or $188 per month, just for being a careless driver!
The importance of shopping around
Chula Vista auto insurance rates are based on many factors that control the policy premium. Simply getting older, getting married, or getting a ticket for running a stop sign may cause policy rate changes resulting in some companies being affordable when they were higher priced. In addition, insurers file new California auto insurance rates as needed to reflect underwriting profits or losses. A period of higher than normal claims may result in rate increases, while lower claim expenses may cause lower-cost Chula Vista car insurance rates.
To illustrate this point, the graph below shows which companies have the cheapest car insurance in Chula Vista, CA for a 40-year-old female driver with no prior claims, no tickets, and a decent credit rating. When comparing rates based on her current situation, USAA offers the cheapest car insurance rates in Chula Vista at $1,143 each year. This is $508 less than the average rate paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide round out the rest of the best Chula Vista, CA auto insurance companies.
In the next rate comparison, we’ll give the driver from the first set of rates a chargeable claim, a little lower credit rating, and a traffic ticket or two. Since each insurance company uses their own calculation to set policy rates, analyzing rate quotes could result in a different list of the cheapest Chula Vista car insurance companies as shown below.
Grange now has the cheapest rate in Chula Vista with Progressive, Mercury, Allstate, and GEICO also having competitive pricing. This example illustrates why it is crucial to take the time to shop around when trying to get the best car insurance rates for drivers with bad credit. Insurance prices can be determined by many things and change substantially, so the cheapest option three years ago may now not even be in the top five.
How to find more affordable auto insurance for drivers with bad credit
Lowering your rates is not difficult, and here are some of the recommended penny-pinching solutions that can help drivers quote cheaper auto insurance.
- At-fault accidents can raise rates significantly
- Save money by insuring older vehicles for liability only
- Avoid speeding and other traffic citations and pay less
- Raise comprehensive and collision coverage deductibles
- Pay for smaller claims out-of-pocket
- Compare price quotes at least once a year
That last idea is notably crucial, as was emphasized in the article above. Prices charged by companies can change in a short period of time, so drivers shouldn’t be resistant to buy a policy from a new company if you can find a cheaper rate.
Sticking with a specific company is fine, but it’s not a good idea if that faithfulness ends up costing you a small fortune year after year. Spend a few minutes and shop around to find cheaper auto insurance for drivers with bad credit in Chula Vista.
If you aren’t sure which coverage you need and prefer to have the advice of a professional agent when comparing insurance rates for drivers with bad credit, the agencies below are willing to answer your questions and help you decide which policy fits your needs best. To locate an agency using an interactive map, click the button after the list.
Lee Meyer – State Farm Insurance Agent
826 Starboard St – Chula Vista, CA 91914 – (619) 656-5020
Farmers Insurance – Patricia Ruiz
2568 Waterline Way – Chula Vista, CA 91914 – (619) 482-7011
Premier Insurance Services – Chula Vista, CA
1295 Broadway #209 – Chula Vista, CA 91911 – (619) 768-0161
Mexican Insurance Specialists
249 E St – Chula Vista, CA 91910 – (619) 420-8200