The type of vehicle you are insuring is one of the largest factors when looking for affordable car insurance for drivers over age 60. Vehicles with high performance features, a lack of safety features, or high incidents of liability claims will cost quite a bit more to insure than more economical and safe models.
The list below showcases auto insurance premiums for a selection of the cheaper vehicles to buy insurance for.
|Vehicle Insured||Estimated Cost for Full Coverage|
|Honda CR-V LX 4WD||$750|
|Ford Escape XLS 2WD||$755|
|Jeep Wrangler Sport 4WD 2-Dr||$780|
|Honda Accord EX-L 4-Dr Sedan||$812|
|Ford Explorer XLT AWD||$842|
|Ford Edge Limited 2WD||$872|
|Toyota RAV4 2WD||$888|
|Chevrolet Equinox LS AWD||$893|
|Chevrolet Impala LT||$888|
|Chevrolet Malibu LS||$897|
|Dodge Grand Caravan Hero||$888|
|Toyota Tacoma Double Cab 4WD||$904|
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Data based on single female driver age 60, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Rates do not factor in Chula Vista, CA location which can increase or decrease rates significantly.
Based upon these rates, you can figure that makes and models like the Honda CR-V, Ford Escape, Jeep Wrangler, Honda Accord, and Toyota Prius are likely to be the more affordable vehicles to insure for older drivers.
For older drivers, one of the big criteria that are looked at to determine car insurance rates is your zip code in Chula Vista. Cities with larger populations are more likely to have higher rates, whereas areas with less crime or weather claims have the luxury of cheap car insurance rates.
The following table ranks the most expensive cities in California for drivers over age 60 to buy car insurance in. Chula Vista ranks #25 with an annual cost of $1,298 for the average insurance policy, which is about $108 per month.
|Rank||City||Average Per Year|
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Premium amounts are approximated as specific Chula Vista garaging address can decrease or increase auto insurance rates substantially.
Finding dependable, cheap auto insurance is not always easy, and finding out which companies have the cheapest car insurance rates for drivers over age 60 may require even more work. Each insurance company has their own process to determine rates, so to begin we’ll rank the car insurance companies with the overall cheapest rates in California.
It’s important to understand that Chula Vista car insurance rates are impacted by many factors which can substantially decrease or increase the policy price. Events like turning one year older, buying a different vehicle, or getting a DUI can cause premium changes that can now make some companies way too expensive in comparison to the competition.
Cheapest Insurance Rates for Age 60+
|Rank||Company||Cost Per Year|
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USAA may offer some of the best car insurance rates in Chula Vista at around $1,155 annually. Wawanesa, Century National, CSAA, and Nationwide also are some of the most economical Chula Vista, CA car insurance companies.
As the rates illustrate above, if you are a policyholder with Century National and switched to USAA, you might achieve a yearly price reduction of about $35. Customers with CSAA may save as much as $43 a year, and Nationwide policyholders might lower prices by up to $58 a year.
Understand that those prices are averaged for all types of insureds and vehicles and and are not calculated with an exact zip code location for drivers over age 60. So the car insurance company that can offer the best rates for your situation may not even be in the top 24 companies shown above. That point stresses why you need to get rate quotes using your own personalized driver profile and vehicle information.
Violations and accidents raise rates
The obvious way to find cheap car insurance premiums in California for older drivers is to drive carefully and avoid getting tickets or having accidents. The chart below illustrates how violations and accidents can impact insurance premiums for different categories of driver ages. The data assumes a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied.
In the example above, the average cost of auto insurance in California per year with no violations or accidents is $1,849. Factor in one speeding ticket and the average cost surges to $2,088, an increase of $239 each year. Now get one accident along with the one speeding ticket and the 12-month cost of car insurance for drivers over age 60 goes up to an average of $2,744. That’s an increase of $895, or $75 per month, just for being a little careless behind the wheel!
The chart below highlights how deductible selection can impact insurance costs when quoting cheap insurance for drivers over age 60. The rate quotes are based on a single female driver, full coverage, and no discounts are factored in.
The data above shows that a 30-year-old driver could lower rates by $400 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $604 by using a $1,000 deductible. Young drivers, like the age 20 example, have the ability to save up to $888 each year just by using higher deductibles.
If you do raise deductibles, it’s a good idea to have enough in a savings account to be able to cover the extra out-of-pocket expense that comes with higher deductibles.
Get discount Chula Vista auto insurance
Auto insurance companies that offer cheap quotes for drivers over age 60 may additionally offer rate discounts that could lower prices by as much as 25% or more if you are eligible. Larger car insurance companies and some of the premium reductions they offer are outlined below.
- State Farm offers premium reductions for multiple policy, good driver, student away at school, Steer Clear safe driver discount, good student, anti-theft, and passive restraint.
- GEICO policyholders can earn discounts including multi-vehicle, membership and employees, anti-theft, seat belt use, and air bags.
- Progressive includes discounts for multi-vehicle, online signing, online quote discount, multi-policy, homeowner, continuous coverage, and good student.
- 21st Century offers discounts for homeowners, theft prevention, driver training, air bags, teen driver, student driver, and 55 and older.
- American Family offers discounts including multi-vehicle, good driver, Steer into Savings, TimeAway discount, good student, mySafetyValet, and accident-free.
- The Hartford may offer discounts for bundle, air bag, good student, driver training, defensive driver, anti-theft, and vehicle fuel type.
- AAA may include discounts for education and occupation, multi-car, pay-in-full, anti-theft, multi-policy, good driver, and good student.
The example below shows the difference between insurance premiums with and without discounts applied to the rates. The price estimates are based on a female driver, no tickets, no at-fault accidents, California state minimum liability limits, full coverage, and $500 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with defensive driving course, homeowner, marriage, passive restraint, claim-free, and multiple policy discounts applied. When discounts are applied, theaverage amount saved on car insurance for drivers over age 60 is 29% or $581.
How to find low-cost car insurance for drivers over age 60
The list below details some of the recommended penny-pinching solutions that can help California drivers get more affordable coverage.
- Higher deductibles mean lower rates
- Full coverage is expensive so only insure older vehicles for liability only
- Improve your credit
- At-fault accidents can raise rates significantly
- Do not get traffic tickets
- Buy a vehicle with excellent safety ratings
- Compare price quotes at least once a year
The last tip in the list is certainly important, as was pointed out in the prior article. Coverage rates can change considerably based on profitability, so drivers shouldn’t hesitate to buy a different policy if you find a cheaper price.
Being loyal to a particular company is commendable, but we do not recommend it if that dedication is costing lots of hard earned cash every month. In just a few minutes you could shop around and find cheaper car insurance for drivers over age 60 in Chula Vista.
If you like to have the advice of a professional agent when comparing insurance rates for older drivers, the insurance agencies below are willing to aid you in deciding which policy is best. To find an agent near you, click the button below the list or click here to compare price quotes.
Farmers Insurance: Vega Julio V
799 Third Ave – Chula Vista, CA 91911 – (619) 426-0554
Bruce Anderson – State Farm Insurance Agent
871 Harold Pl #109 – Chula Vista, CA 91914 – (619) 422-3333
Daylight Insurance Brokerage
900 Lane Ave #128 – Chula Vista, CA 91914 – (619) 240-7164