The vehicle model you are trying to insure is one of the main factors when quoting cheaper auto insurance for safe drivers. Vehicles with lower acceleration and performance, a great safety record, or a low likelihood of having liability claims will cost quite a bit less to insure than fast, unsafe models. The table below showcases coverage premiums for a number of the most cost-effective vehicles to buy coverage for.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord EX 4-Dr Sedan | $794 |
| Honda CR-V EX 2WD | $802 |
| Ford Escape XLT 4WD | $812 |
| Dodge Grand Caravan SE | $891 |
| Toyota RAV4 4WD | $943 |
| Chevrolet Equinox LS 2WD | $948 |
| Toyota Prius | $995 |
| Jeep Wrangler Rubicon 4WD 2-Dr | $1,011 |
| Toyota Corolla XRS | $1,020 |
| Ford F-150 STX Regular Cab 4WD | $1,011 |
| GMC Sierra 2500HD SLE Extended Cab 4WD | $1,019 |
| Chevrolet Silverado LS Extended Cab 4WD | $1,031 |
| Chevrolet Impala LT | $1,041 |
| Chevrolet Malibu LT | $1,051 |
| Toyota Tacoma Double Cab TRD Off-Road Package 4WD | $1,060 |
| Nissan Rogue SL AWD | $1,062 |
| Hyundai Elantra Blue 4-Dr Sedan | $1,066 |
| Honda Civic VP 4-Dr Sedan | $1,072 |
| Nissan Altima 2.5 S 2-Dr Coupe | $1,080 |
| Ford Explorer Eddie Bauer AWD | $1,086 |
| Ford Edge Sport 2WD | $1,088 |
| Ford Focus SES 4-Dr Sedan | $1,095 |
| Dodge Ram Quad Cab Laramie 2WD | $1,098 |
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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 safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Rates do not factor in garaging location in Chula Vista, CA which can impact price quotes considerably.
Based upon the rates shown, you can figure that vehicles like the Honda Accord, Honda CR-V, and Ford Escape are likely to be a few of the cheaper vehicles to insure for good drivers.
Deciphering which company offers the cheapest auto insurance rates for safe drivers calls for a bit more effort than just getting one or two price quotes.
Each insurance company has a different process for setting prices, so we will examine the lowest cost auto insurance companies in Chula Vista.
Find the Best Cheap Insurance for Safe Drivers
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,155 |
| 2 | Wawanesa | $1,192 |
| 3 | Nationwide | $1,213 |
| 4 | Century National | $1,214 |
| 5 | CSAA | $1,222 |
| 6 | 21st Century | $1,338 |
| 7 | Grange | $1,477 |
| 8 | Progressive | $1,512 |
| 9 | Allstate | $1,513 |
| 10 | Mercury | $1,533 |
| 11 | Allied | $1,541 |
| 12 | GEICO | $1,559 |
| 13 | MetLife | $1,590 |
| 14 | The Hartford | $1,639 |
| 15 | State Farm | $1,733 |
| 16 | Unitrin | $1,750 |
| 17 | Esurance | $1,756 |
| 18 | Bristol West | $1,795 |
| 19 | Travelers | $1,860 |
| 20 | Farmers | $2,006 |
| Get Personalized Rates Go | ||
USAA normally has some of the cheapest car insurance rates in Chula Vista at around $1,155 a year. Wawanesa, Nationwide, Century National, and CSAA also are some of the cheapest Chula Vista, CA insurance companies.
In this example, if you currently buy coverage from Century National and switched to Wawanesa, you might realize savings of around $22. Customers with CSAA might save as much as $30 a year, and 21st Century insureds might lower prices by $146 a year.
Remember that these rates are averages across all insureds and vehicles and and are not figured with a specific zip code for safe drivers. So the insurer that can offer you the best price may not even be in the top 24 companies shown above. That emphasizes why you need to compare rates from multiple companies using your own driver and vehicle profiles.
How to get discounts on Chula Vista auto insurance rates
Insurers that offer cheap quotes for safe drivers may also give you policy discounts that can lower rates by 40% or more if you meet specific eligibility requirements. A few popular companies and their offered discounts are:
- GEICO offers discounts for five-year accident-free, defensive driver, daytime running lights, federal employee, anti-lock brakes, and air bags.
- Travelers policyholders can earn discounts including hybrid/electric vehicle, IntelliDrive, multi-policy, early quote, payment discounts, and multi-car.
- Farm Bureau may include discounts for multi-policy, multi-vehicle, driver training, youthful driver, safe driver, 55 and retired, and renewal discount.
- Liberty Mutual discounts include multi-policy, new vehicle discount, good student, new move discount, safety features, and newly married.
- American Family may have discounts that include TimeAway discount, multi-vehicle, Steer into Savings, defensive driver, air bags, bundled insurance, and accident-free.
- Progressive has discounts for online quote discount, homeowner, online signing, continuous coverage, and multi-policy.
The illustration below compares auto insurance costs with and without some available policy discounts. The premiums are based on a male driver, no tickets, no at-fault accidents, California state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows the price with no discounts. The second shows the rates with safe-driver, vehicle safety, marriage, claim-free, accident-free, and defensive driving course discounts applied. When these discounts are applied to the policy premium, theamount saved on auto insurance for safe drivers is 28% or $516.
Best auto insurance in Chula Vista
Choosing a good quality car insurance provider can be challenging considering how many companies provide coverage in Chula Vista. The rank data shown below could help you select which car insurance companies to look at purchasing coverage from.
The rankings below are for the largest companies in America, so companies that focus mainly on California business are not taken into consideration for these rankings. To check prices from many more California auto insurance companies, click this link.
| 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 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Cost of full coverage in Chula Vista
Saving money when shopping for auto insurance is the goal of the majority of people, and one of the best ways to lower the cost of insurance for safe drivers is to buy only liability coverage. The chart below illustrates the difference between insurance costs with liability coverage only compared to full coverage. The costs are based on no accidents, no driving violations, $250 deductibles, single marital status, and no other discounts are factored in.
If all age groups are averaged, physical damage insurance costs $2,314 per year over and above liability only. A very common question is if buying full coverage is a waste of money. There is no set rule for excluding comp and collision coverage, but there is a guideline you can use. If the yearly cost for physical damage coverage is 10% or more of replacement cost minus your deductible, then you might want to think about dropping full coverage.
For example, let’s say your vehicle’s book value is $7,500 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $6,500 after the policy deductible has been paid. If you are paying more than $650 annually for comprehensive and collision coverage, then it may be the right time to buy liability only.
There are some scenarios where only buying liability is not a good idea. If you haven’t satisfied your loan, you have to maintain full coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle in the event your current vehicle is totaled, you should not drop full coverage.
Tips for buying budget-friendly auto insurance for safe drivers
Here are a few penny-pinching ideas that can help you buy low-cost car insurance.
- Buy vehicles with good safety ratings
- Violations and traffic tickets increase rates
- Prevent price hikes by avoiding at-fault accidents
- Home or renters coverage can save on auto insurance
- Too many claims can make car insurance unaffordable
- Shop around for cheaper prices often
The last tip in the list is particularly critical, as was pointed out in this article. Prices charged by companies vary greatly, so you should be ready to switch companies if a cheaper rate is available. Brand loyalty is great, but it’s not a great idea if that loyalty ends up costing lots of hard earned cash every month. In just a few minutes you could compare rates and find cheaper car insurance for safe drivers in Chula Vista.