Deciphering which insurers offer the best car insurance rates for hybrid vehicles will involve a bit more work in order to find the lowest price. Each insurance company uses their own formula to set policy rates, so we’ll go over the car insurance companies with the overall best prices in Chula Vista, CA.
It’s important that readers know that Chula Vista car insurance rates are based on many factors that control the cost of a policy. Turning one year older, getting divorced, or getting a ticket for running a stop sign can trigger changes in premium resulting in some rates now being more affordable than others.
Find Cheaper Auto Insurance for Hybrids
|Rank||Company||Cost Per Year|
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USAA generally has some of the lowest car insurance rates in Chula Vista at around $1,121 per year. Wawanesa, CSAA, Nationwide, and Century National are also some of the best Chula Vista, CA auto insurance companies.
In the rate table above, if you currently have coverage with Century National and switched to Wawanesa, you may see a yearly price reduction of upwards of $68. Customers with 21st Century may save as much as $192 a year, and Grange insureds might lower prices by $345 a year.
It’s important to note that these premiums are averages for all types of drivers and the different vehicles they drive and do not factor in an exact location for hybrid vehicles. So the auto insurance company that fits your needs best may not even be in the top 24 companies in the list above. That point stresses why you need to compare rates from as many companies as possible using your own personal information and vehicle type.
The vehicle on the policy is one of the primary factors that determines if you can find the best coverage for hybrid vehicles. Vehicles with higher performance characteristics, a lack of safety features, or a track record of large liability claims will cost much more to insure than more economical and safe models.
The information below illustrates insurance rates for the cheaper vehicles to buy insurance for.
|Make, Model, and Trim Level||Estimated Cost for Full Coverage|
|Honda CR-V EX-L 2WD||$806|
|Honda Accord LX-P 4-Dr Sedan||$860|
|Ford Escape XLT 4WD||$880|
|Jeep Wrangler Sahara 4WD 2-Dr||$884|
|Ford Focus SE 4-Dr Sedan||$916|
|Hyundai Elantra SE Touring Station Wagon||$936|
|Chevrolet Malibu LT||$950|
|Toyota Tacoma Double Cab TRD Off-Road Package 4WD||$955|
|Dodge Grand Caravan Crew||$950|
|Honda Civic VP 4-Dr Sedan||$966|
|Chevrolet Silverado LT Crew Cab 4WD||$1,000|
|Chevrolet Impala LS||$1,009|
|Hyundai Sonata GLS 4-Dr Sedan||$1,000|
|Jeep Grand Cherokee Limited 2WD||$1,007|
|Ford Explorer XLT 2WD||$1,002|
|GMC Sierra 3500HD SLE Extended Cab 2WD||$1,018|
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Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Rate quotes do not factor in vehicle garaging location which can raise or lower coverage rates substantially.
Looking at the rates, cars like the Honda CR-V, Honda Accord, and Ford Escape should be the more affordable vehicles to insure for hybrids.
Rate difference between full and liability-only coverage
Finding the cheapest car insurance is important to the majority of vehicle owners, and one easy way to reduce the cost of insurance for hybrid vehicles is to buy liability only. The information below visualizes the comparison of insurance premiums with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premiums assume no violations or accidents, $500 deductibles, single marital status, and no policy discounts are applied.
Averaged for all ages 20 through 70, full coverage costs $2,075 per year more than just insuring for liability. At some point, about every driver wonders if buying full coverage is worth the money. There is no written rule of when to eliminate comprehensive and collision coverage on your policy, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is 10% or more of the replacement cost minus the deductible, then you might consider buying liability only.
For example, let’s pretend your vehicle’s settlement value is $8,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $7,000 after you pay the deductible. If it’s costing you more than $700 annually to have full coverage, then it’s probably a good time to buy liability coverage only.
There are some scenarios where eliminating full coverage is not advised. If you still have a lienholder on your title, you have to keep full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should not remove full coverage.
Discounts on Chula Vista car insurance rates
Car insurance companies that offer cheap quotes for hybrid vehicles may have price discounts that can reduce rates by 40% or more if you meet specific eligibility requirements. A few of the larger companies and their possible discounts are shown below.
- The Hartford may have discounts that include vehicle fuel type, good student, defensive driver, bundle, and driver training.
- American Family policyholders can earn discounts including mySafetyValet, air bags, bundled insurance, early bird, and accident-free.
- Progressive includes discounts for multi-policy, online signing, continuous coverage, online quote discount, homeowner, and good student.
- Travelers may include discounts for early quote, hybrid/electric vehicle, multi-car, payment discounts, and IntelliDrive.
- Farmers Insurance discounts include distant student, bundle discounts, business and professional, teen driver, good student, and multi-car.
- USAA has savings for multi-policy, vehicle storage, good student, multi-vehicle, family discount, and annual mileage.
- Liberty Mutual offers discounts including good student, newly married, new move discount, new graduate, and teen driver discount.
The diagram below compares insurance premiums with and without policy discounts. The costs are based on a male driver, no claims or driving violations, California state minimum liability limits, full coverage, and $250 deductibles.
The first bar for each age group shows premium with no discounts. The second shows the rates with accident-free, claim-free, safe-driver, homeowner, multiple policy, and defensive driving course discounts applied. When discounts are applied, the average amount saved each year on car insurance for hybrid vehicles is 28% or $707.
Ending up with the top insurance company can be challenging considering how many companies provide coverage in California. The rank data shown next can help you decide which car insurance providers you want to consider when buying insurance for hybrid vehicles.
The rankings below are only made up of companies with a national presence, so companies with more of a regional focus are not taken into consideration for these rankings. If you wish to compare rates and find the cheapest rates for hybrid vehicles, follow this link.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
|AAA of Southern California||91||94||97||92%||A+||94.1|
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Data Source: Insure.com Best Car Insurance Companies
How to find economical insurance for hybrid vehicles
The list below shows some of the better money-saving solutions that can help Chula Vista drivers find more affordable auto insurance.
- Save money by obeying traffic laws and keeping a clean driving record
- Buy vehicles with five-star safety ratings
- Higher comprehensive and collision coverage deductibles will save money
- Full coverage may not be needed on older vehicles
- At-fault accidents will increase rates
- Good credit can help you save money
- Compare rates once a year for cheaper prices
The final tip is extraordinarily significant, as was affirmed in this article. Car insurance prices adjust frequently, so don’t hesitate to change insurance companies if a cheaper price is available. Many drivers prefer to stick with one company, but is isn’t recommended if that faithfulness ends up costing you a lot of money every month. If you have a few minutes, compare rates and find cheaper auto insurance for hybrid vehicles in Chula Vista.