The words “economical” and “insurance” probably shouldn’t be used together, specifically when you are looking for the best coverage prices for 4×4 vehicles. To save some money, let’s get started by showing you a few of the things that can significantly affect insurance prices, and find some ways to lower the price of your next policy.
The car, truck, or SUV needing coverage is a significant factor when comparison shopping for cheap auto insurance for 4×4 vehicles. Vehicles with lots of speed or power, a lack of modern safety features, or a track record of large liability claims will cost more to insure than safer models.
The table below ranks car insurance rates for a selection of the most economical vehicles to buy insurance for.
|Insured Vehicle||Estimated Cost for Full Coverage|
|Ford Escape XLS 2WD||$885|
|Dodge Grand Caravan CV||$909|
|Honda CR-V EX 2WD||$915|
|Honda Odyssey EX||$941|
|GMC Sierra SLE Regular Cab 2WD||$960|
|Chevrolet Malibu LS||$966|
|Chevrolet Silverado LS Regular Cab 4WD||$970|
|Jeep Wrangler Sahara 4WD 2-Dr||$1,029|
|Ford F-150 XLT Regular Cab 4WD||$1,035|
|Hyundai Sonata GLS 4-Dr Sedan||$1,029|
|Volkswagen Jetta LE 4-Dr Sedan||$1,049|
|Toyota RAV4 Sport 4WD||$1,058|
|Toyota Tacoma Double Cab 4WD||$1,049|
|Chevrolet Impala LS||$1,055|
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Data rating is based on single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Rate information does not factor in your specific Chula Vista, CA location which can affect prices considerably.
Based upon the rates shown, we can presume that cars like the Ford Escape, Toyota Prius, Dodge Grand Caravan, and Honda CR-V will definitely be a few of the most budget-friendly vehicles to insure for off-road vehicles.
Determining which company offers the lowest-priced car insurance rates for 4×4 vehicles involves a little more sweat in order to find the best price. Every insurance company has a unique approach for setting rates, so let’s rank the lowest cost car insurance companies in Chula Vista, CA.
It’s important that readers know that Chula Vista car insurance rates are impacted by many things that will increase or decrease the price you pay. Improving your credit score, buying a new vehicle, or getting caught speeding can cause premium changes resulting in some companies being cheaper than competitors.
Best Auto Insurance Prices for 4×4’s
|Rank||Company||Cost Per Year|
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USAA quotes some of the cheapest car insurance rates in Chula Vista at around $1,109 per year. Wawanesa, Nationwide, Century National, and CSAA also are some of the most economical Chula Vista, CA insurance companies.
In the above rates, if you are insured with Nationwide and switched to USAA, you might see annual savings of approximately $104. Insureds with Century National might save as much as $105 a year, and CSAA insureds might lower prices by $113 a year.
To get a quick, customized rate comparison, click here or visit any of the companies below.
It’s important to note that these prices are averaged across all types of drivers and the different vehicles they drive and do not factor in an exact vehicle garaging location for 4×4 vehicles. So the company that has the lowest price for you may not even be in the top 24 companies shown above. That affirms the importance of why you need to quote rates from as many companies as possible using your own driver and vehicle profiles.
For off-road vehicles, one of the more important factors that help determine the price you pay for insurance is where you keep your car. Cities with larger populations tend to have more expensive car insurance rates, whereas areas with less crime or weather claims have the benefit of cheaper car insurance.
The table below sorts the highest-priced places in California for 4×4 vehicles to buy auto insurance in. Chula Vista comes in at #24 with an annual premium of $1,311 for the average policy, which is about $109 monthly.
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Premium amounts are approximated as the specific area where the vehicle is garaged can affect prices greatly.
The example below demonstrates how deductibles can influence insurance rates when trying to find cheap insurance for 4×4 vehicles. The premiums assume a married female driver, full coverage, and no additional discounts are factored in.
The data above shows that a 30-year-old driver could reduce rates by $490 a year by switching from a $100 deductible to a $500 deductible, or save $736 by using a $1,000 deductible. Even younger drivers, such as the Age 20 example, could potentially save up to $1,042 or more by selecting a higher deductible. When choosing a higher deductible, it will be required to have additional funds in a savings account to cover the extra out-of-pocket expense that comes with higher deductibles.
Rate difference between full and liability-only coverage
Reducing premiums for car insurance is the goal of the majority of drivers, and one easy way to reduce the cost of insurance for 4×4 vehicles is to only buy liability coverage. The chart below illustrates the comparison of auto insurance costs with full coverage and liability only. The information is based on a clean driving record, no claims, $1,000 deductibles, drivers are not married, and no discounts are applied.
If the expense is averaged for all age categories, full coverage costs $1,849 per year over and above liability coverage. That is a big expense that brings up the question if you should buy full coverage at all. There is no written rule to eliminate full coverage on your policy, but there is a general guideline. If the annual cost of having full coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then it might be time to consider dropping full coverage.
For example, let’s assume your vehicle’s replacement cost is $4,500 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company will settle for is $3,500 after the deductible is paid. If it’s costing you more than $350 annually for full coverage, then you might want to think about dropping full coverage.
How to get discounts on Chula Vista car insurance rates
Car insurance companies that sell policies for 4×4 vehicles may additionally offer premium discounts that can reduce rates by as much as 35% if you qualify for them. Popular car insurance companies and their possible discounts include:
- AAA has discounts for multi-car, pay-in-full, multi-policy, good student, and good driver.
- Progressive offers premium reductions for multi-policy, continuous coverage, multi-vehicle, online signing, homeowner, and online quote discount.
- State Farm may offer discounts for multiple autos, good driver, safe vehicle, Drive Safe & Save, anti-theft, and accident-free.
- Esurance discounts include anti-theft, safety device, multi-car, online quote, claim free, renters, and good student.
- Nationwide includes discounts for multi-policy, family plan, defensive driving, Farm Bureau membership, easy pay, and anti-theft.
The diagram below shows the difference between car insurance costs with and without some available policy discounts. The data is based on a female driver, a clean driving record, no claims, California state minimum liability limits, comp and collision included, 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 passive restraint, vehicle safety, marriage, safe-driver, defensive driving course, and multiple vehicle discounts applied. When taking advantage of discounts, the average amount saved each year on car insurance for 4×4 vehicles is 28% or $532.
How to find budget-friendly auto insurance for 4×4 vehicles
It’s not impossible to find cheaper rates, and here are some of the recommended thrifty suggestions that can help California drivers buy lower-cost auto insurance.
- Buying home and auto insurance together can earn discounts
- Lower rates by purchasing a safer vehicle
- On older vehicles, drop full coverage
- Save money by observing traffic laws and speed limits
- Being accident-free can lower rates significantly
- Avoid price increases by not filing claims
- Compare rates often to find the best deal
The last item on the list is extraordinarily important, as was stressed in the article above. Prices charged by car insurance companies change a lot, so don’t be tentative to change to a new company if a more affordable rate is found. Many drivers have brand loyalty and that’s fine, but it’s not a great idea if your bullheadedness ends up costing you big bucks every year. If you have a few minutes, now is a great time to compare prices to find cheaper insurance for 4×4 vehicles in Chula Vista.
If you aren’t clear which coverage you need and would like to get some guidance when shopping around for cheaper insurance for off-road vehicles, the professional agents shown below are a good start to provide answers to your questions and help you determine which coverages are best.
To locate a Chula Vista insurance agent close to you, click the button after the list.
California Brokerage Insurance
355 K St – Chula Vista, CA 91911 – (619) 420-8888
Allstate Insurance: Donald Sewell
355 3rd Ave B – Chula Vista, CA 91910 – (619) 425-5370
Cordova Insurance Agency, Inc.
2260 Main St #8 – Chula Vista, CA 91911 – (619) 585-3470