Who Has Cheap Auto Insurance Quotes for Hybrid Vehicles in Chula Vista?

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.

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Rankings for the cheapest car insurance companies in California
Rank Company Cost Per Year
1 USAA $1,121
2 Wawanesa $1,146
3 CSAA $1,186
4 Nationwide $1,213
5 Century National $1,214
6 21st Century $1,338
7 Grange $1,491
8 Progressive $1,496
9 Allstate $1,513
10 Mercury $1,548
11 Allied $1,556
12 GEICO $1,575
13 MetLife $1,638
14 The Hartford $1,639
15 Unitrin $1,682
16 State Farm $1,699
17 Esurance $1,705
18 Bristol West $1,831
19 Travelers $1,842
20 Farmers $2,026
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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.

Cheapest Vehicles to Insure in Chula Vista, CA
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
Toyota Prius $986
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 for hybrids in Chula Vista, CACar 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 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.

Top Car Insurance Companies for Hybrid Vehicles in California
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
AAA of Southern California 91 94 97 92% A+ 94.1
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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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.

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.