Save Money on Chevy Impala Insurance in Chula Vista

Insurance for Chevy ImpalaBeing forced to pay for overpriced car insurance premiums can dwindle your personal savings and put the squeeze on your family’s finances.

It’s a fact that auto insurance companies don’t want you to look for cheaper rates. Insureds who compare other prices will probably switch to a new company because of the high probability of finding a more affordable policy premium. Remarkably, a study showed that consumers who routinely shopped around saved an average of $865 annually as compared to drivers who never shopped around for lower prices.

If saving money on auto insurance is your target objective, then knowing how to shop and compare insurance rates can help simplify the task of finding more affordable coverage. Many insurance companies compete to insure your vehicles, and it can be difficult to compare rates to find the lowest rate on Chevy Impala insurance in Chula Vista.

Finding a lower price on Chevy Impala insurance can be surprisingly simple. All that’s required is to take a couple of minutes getting comparison quotes from different insurance companies.

Doing price comparisons online is so simple that it takes the place of having to spend your day driving to each insurance agency near you. Quoting and buying Chevy Impala insurance online has reduced the need for local agents unless you have a complicated situation and need the personal advice of a local agency. Although, it is possible get prices online but purchase the actual policy in an agency.

The following companies offer price quotes in California. If multiple companies are listed, we suggest you get price quotes from several of them in order to get a fair rate comparison.

Chevy Impala insurance rate analysis

The price information shown next highlights a range of policy rates for Chevy Impala models. Learning more about how policy rates are established can assist in making smart choices when comparing insurance rates.

Chevrolet Impala Insurance Rates in Chula Vista, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Impala LS $286 $650 $574 $34 $172 $1,716 $143
Impala LS $286 $650 $574 $34 $172 $1,716 $143
Impala LT $328 $650 $574 $34 $172 $1,758 $147
Impala LT $328 $650 $574 $34 $172 $1,758 $147
Impala LTZ $328 $766 $574 $34 $172 $1,874 $156
Impala LTZ $328 $766 $574 $34 $172 $1,874 $156
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Data rating is based on single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Rate quotes do not factor in zip code location which can impact premiums greatly.

Deductible analysis

A question often asked by Chula Vista drivers is where should you set your physical damage deductibles. The data tables below summarize the differences in premium rates when you choose different coverage deductibles. The first rate quote example uses a $250 physical damage deductible and the second price chart uses a $500 deductible.

Chevrolet Impala insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Impala LS $298 $576 $442 $26 $132 $1,499 $125
Impala LS $298 $576 $442 $26 $132 $1,499 $125
Impala LT $342 $576 $442 $26 $132 $1,543 $129
Impala LT $342 $576 $442 $26 $132 $1,543 $129
Impala LTZ $342 $678 $442 $26 $132 $1,645 $137
Impala LTZ $342 $678 $442 $26 $132 $1,645 $137
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Chevrolet Impala insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Impala LS $242 $464 $442 $26 $132 $1,306 $109
Impala LS $242 $464 $442 $26 $132 $1,306 $109
Impala LT $278 $464 $442 $26 $132 $1,342 $112
Impala LT $278 $464 $442 $26 $132 $1,342 $112
Impala LTZ $278 $546 $442 $26 $132 $1,424 $119
Impala LTZ $278 $546 $442 $26 $132 $1,424 $119
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Rates do not factor in your specific Chula Vista location which can increase or decrease premium rates significantly.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost you roughly $17 more each month or $204 annually than quoting the higher $500 deductible. Since the policyholder would be required to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you normally go at a minimum 15 months between claim filings, you would probably save some money by selecting a higher deductible.

Calculation for raising deductibles

Average monthly premium for $250 deductibles: $130
Average monthly premium for $500 deductibles (subtract): – $113
Monthly savings from raising deductible: $17
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $17
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 15 months

One thing to note is that raising deductibles means you pay more out-of-pocket if you have a claim. You need to make sure you have some extra savings in the event you need to pay more to get your vehicle repaired.

The example below illustrates how your choice of deductibles and can influence Chevy Impala insurance premiums for different age groups. The prices are based on a married male driver, comp and collision included, and no discounts are taken into consideration.

Impact of violations and accidents on rates in Chula Vista

The chart below illustrates how traffic citations and accident claims drive up Chevy Impala premium costs for each different age group. The rates are based on a married female driver, comp and collision included, $100 deductibles, and no discounts are factored in.

How much more does full coverage cost?

The chart below illustrates the comparison of Chevy Impala insurance premiums with and without full coverage. The costs are based on a clean driving record, no at-fault accidents, $100 deductibles, drivers are not married, and no discounts are applied to the premium.

When to drop comp and collision

There isn’t a steadfast formula to eliminate full coverage on your policy, but there is a guideline you can use. If the annual cost of your full coverage insurance is more than around 10% of the settlement you would receive from your company, then it might be time to buy liability only.

For example, let’s pretend your Chevy Impala book value is $7,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most you would get paid by your company is $6,000 after paying the physical damage deductible. If premiums are more than $600 a year for physical damage coverage, then you might want to think about dropping full coverage.

There are a few cases where only buying liability is not advised. If you still have a lienholder on your title, you are required 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 buy liability only.

Reduce your car insurance rates with discounts

Car insurance companies don’t list every discount they offer in a way that’s easy to find, so the following list contains a few of the more common in addition to some of the lesser obvious credits that may apply to you. If you check and find you aren’t receiving every discount possible, it’s possible you qualify for a lower rate.Save money with discounts

Drivers should understand that most of the big mark downs will not be given to the overall cost of the policy. Some only apply to the price of certain insurance coverages like comp or med pay. So even though you would think you would end up receiving a 100% discount, you’re out of luck. But any discount will reduce your overall bill.

The example below shows the difference between Chevy Impala car insurance rates with and without discounts applied to the policy rates. The costs are based on a female driver, no claims or violations, California state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, homeowner, multi-car, multi-policy, and safe-driver discounts applied.

For a list of car insurance companies with discount car insurance rates in California, click here to view.

Auto insurance is not optional in California

Even though it’s not necessarily cheap to insure a Chevy in Chula Vista, maintaining insurance is required in California but also provides important benefits.

The benefits of insuring your car outweigh the cost, especially when you need to use it. Despite what companies tell you, the average driver is overpaying over $869 every year so shop around every year to make sure the price is not too high.

California auto insurance company ratings

Insuring your vehicle with the top insurance provider can be difficult considering how many companies there are to choose from in California. The company rank data listed below could help you choose which coverage providers you want to consider when shopping your coverage around.

Chula Vista, California Auto Insurance Company Rankings
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: Best Car Insurance Companies

When to get professional advice

When it comes to choosing proper insurance coverage, there really is not a “perfect” insurance plan. Everyone’s situation is a little different and your policy should reflect that.Higher deductibles save money
Here are some questions about coverages that might point out whether or not you may require specific advice.

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.

Car insurance agents near you

Some people still like to talk to an insurance agent and that can be a great decision Good agents are trained risk managers and will help you if you have claims. A good thing about comparing insurance prices online is the fact that you can find cheap car insurance quotes but also keep your business local.

Insurance agents in Chula VistaFor easy comparison, once you complete this quick form, your insurance data is instantly submitted to local insurance agents who will return price quotes for your insurance coverage. There is no reason to search for an agent due to the fact that quote results will go directly to you. If you have a need to get a rate quote from a particular provider, don’t hesitate to go to their quote page and give them your coverage information.

Choosing the best company should depend on more than just a low price. Any agent in Chula Vista should be forthright in answering these questions:

Two types of car insurance agents

If you are searching for a reliable insurance agent, you must know there are a couple different agency structures that you can choose from. Agents in Chula Vista can either be exclusive or independent (non-exclusive). Both can properly insure your vehicles, but it’s important to know the difference in how they write coverage since it may influence the kind of agent you use.

Exclusive Agencies

Exclusive insurance agents generally can only insure with one company like State Farm, AAA, and Liberty Mutual. They are unable to provide other company’s prices so they have no alternatives for high prices. These agents are very knowledgeable on what they offer and that enables them to sell even at higher rates.

Listed below are Chula Vista exclusive insurance agencies who can help you get price quote information.

799 Third AveChula Vista, CA 91911(619) 426-0554View Map

46 3rd Ave BChula Vista, CA 91910(619) 425-1403View Map

2471 Main St #19Chula Vista, CA 91911(619) 476-1066View Map

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Independent Agents

These type of agents do not have single company limitations so as a result can place your coverage with multiple insurance companies and help determine which has the cheapest rates. If you are not satisfied with one company, your policy is moved internally and you don’t have to switch agencies.

When comparing rates, you definitely need to get several quotes from a few independent agents to have the most options to choose from.

Shown below is a short list of independent insurance agents in Chula Vista who can help you get rate quotes.

355 K StChula Vista, CA 91911(619) 420-8888View Map

Hoffman Hanono Insurance Agency
2090 Otay Lakes Rd #102Chula Vista, CA 91915(619) 420-1861View Map

Cordova Insurance Agency, Inc.
2260 Main St #8Chula Vista, CA 91911(619) 585-3470View Map

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If you feel you receive reasonable responses to all your questions as well as a affordable price, you may have found an insurance agency that meets the requirements to properly insure your vehicles. Just keep in mind consumers can terminate your policy any time you want so don’t assume that you are obligated to the car insurance policy indefinitely.