It’s impossible to miss the catchy advertisements from companies like GEICO and Progressive that guarantee enormous savings. So drivers just need to choose any one of them, right?
It’s just not that easy, however, as there are a lot of unknowns such as how far you drive each year, how many years you have been driving, what your desired deductibles are, and what liability limits you need, that all go into determining the rate you pay. We will try to teach you about the best ways to avoid overpriced car insurance and will hopefully give the reader a jump start in finding the best auto insurance in Chula Vista.
One of the many criteria that help determine the cost of insurance is where you keep your vehicle in Chula Vista. Areas with more people or higher crime rates will most likely pay more, whereas more rural areas have the benefit of cheaper car insurance.
The information below lists the priciest cities in California for nurses in which to buy car insurance. Chula Vista shows up at #24 with a yearly premium of $1,337 for car insurance, which is approximately $111 monthly.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Los Angeles | $2,168 |
| 2 | Glendale | $2,121 |
| 3 | Oakland | $1,755 |
| 4 | Sacramento | $1,720 |
| 5 | San Francisco | $1,711 |
| 6 | San Bernardino | $1,628 |
| 7 | Long Beach | $1,626 |
| 8 | Fontana | $1,566 |
| 9 | Stockton | $1,556 |
| 10 | Moreno Valley | $1,551 |
| 11 | Santa Clarita | $1,548 |
| 12 | Modesto | $1,547 |
| 13 | Fresno | $1,517 |
| 14 | Garden Grove | $1,508 |
| 15 | Riverside | $1,497 |
| 16 | Santa Ana | $1,453 |
| 17 | Anaheim | $1,430 |
| 18 | Huntington Beach | $1,402 |
| 19 | Fremont | $1,389 |
| 20 | Irvine | $1,384 |
| 21 | Bakersfield | $1,381 |
| 22 | San Diego | $1,381 |
| 23 | San Jose | $1,381 |
| 24 | Chula Vista | $1,337 |
| 25 | Oxnard | $1,304 |
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Rate information is approximated as vehicle location can affect rates substantially.
Comparing quotes for cheap car insurance is hard enough, and determining which companies have the cheapest auto insurance rates for nurses requires even more shopping around.
Every auto insurer has their own formula for determining rates in each state, so let’s rank the auto insurance companies with the overall cheapest rates in Chula Vista. It’s important to know that Chula Vista, CA auto insurance rates are calculated based on many things that will increase or decrease the price you have to pay for coverage. Improving your financial situation, buying a different vehicle, or getting into an accident can produce rate changes resulting in some companies being much cheaper than others.
Find Cheaper Auto Insurance for Health Occupations
USAA offers some of the lowest car insurance rates in Chula Vista at around $1,109 per year. Wawanesa, CSAA, Century National, and Nationwide also rank well as some of the cheaper Chula Vista, CA auto insurance companies.
As shown in the rates above, if you currently have coverage with CSAA and switched to USAA, you could earn annual savings of about $77. Policyholders with Century National could save as much as $81 a year, and Nationwide insureds might see rate reductions of $104 a year.
To see if your current coverage is too expensive, click here to start a quote or visit several of the following companies.
Be aware that those premiums are averages for all insureds and vehicles and and are not calculated with an exact zip code location for nurses. So the insurer that has the cheapest price for you may not even be in the top 24 companies shown above. That illustrates why you need to get quotes using your own driver information and specific vehicle type.
The make and model of vehicle that needs insurance is a significant factor when looking for the cheapest coverage for nurses. Vehicles with high performance features, poor safety ratings, or high incidents of liability claims will cost quite a bit more to insure than safer models. The table below presents coverage rates for a number of the cheaper automobiles to buy coverage for.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX-L 2WD | $818 |
| Ford Escape Limited 4WD | $868 |
| Honda Civic DX 4-Dr Sedan | $927 |
| Chevrolet Impala LS | $937 |
| Volkswagen Jetta S 4-Dr Sedan | $945 |
| Jeep Grand Cherokee Laredo 2WD | $953 |
| Ford Explorer Limited 2WD | $963 |
| Toyota Prius | $973 |
| Hyundai Elantra SE Touring Station Wagon | $975 |
| Toyota Camry SE | $995 |
| Chevrolet Equinox LTZ 2WD | $1,014 |
| Chevrolet Silverado LS Crew Cab 4WD | $1,023 |
| Toyota Tacoma 4WD | $1,018 |
| Ford F-150 Lariat King Ranch 4WD | $1,032 |
| Ford Edge SE AWD | $1,044 |
| Honda Odyssey EX | $1,051 |
| Dodge Ram 3500 Crew Cab ST 2WD | $1,050 |
| Jeep Wrangler Unlimited Sport 4WD 4-Dr | $1,062 |
| Chevrolet Malibu Hybrid | $1,068 |
| Toyota RAV4 Limited 2WD | $1,074 |
| Ford Focus SES 4-Dr Sedan | $1,074 |
| Dodge Grand Caravan SXT | $1,090 |
| Nissan Altima 2.5 S 4-Dr Sedan | $1,094 |
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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 multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Rate quotes do not factor in the specific area where the vehicle is garaged which can lower or raise rates noticeably.
Based upon the rates shown, you can presume that vehicles like the Honda CR-V, Ford Escape, Honda Civic, and Chevrolet Impala are some of the most budget-friendly vehicles to insure for health professionals.
Get discount Chula Vista car insurance
Car insurance companies that offer cheap quotes for nurses could also offer policy discounts that can lower rates by 40% or more if you are eligible. A list of auto insurance companies and a partial list of their discounts are included below.
- State Farm may include discounts for accident-free, driver’s education, good driver, multiple policy, passive restraint, good student, and student away at school.
- Farmers Insurance discounts include teen driver, homeowner, youthful driver, bundle discounts, and electronic funds transfer.
- GEICO offers discounts for anti-lock brakes, good student, federal employee, multi-vehicle, daytime running lights, and anti-theft.
- American Family offers premium reductions for accident-free, early bird, multi-vehicle, bundled insurance, good student, good driver, and defensive driver.
- Nationwide has savings for good student, anti-theft, family plan, accident-free, defensive driving, business or organization, and multi-policy.
- Progressive includes discounts for online signing, online quote discount, homeowner, continuous coverage, good student, and multi-vehicle.
The diagram below illustrates the difference between auto insurance costs with and without discounts applied to the premium. Data assumes a male driver, no tickets, no at-fault accidents, California state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with marriage, defensive driving course, multiple policy, claim-free, multiple vehicle, and passive restraint discounts applied. When discounts are applied, the average amount saved each year on auto insurance for nurses is 28% or $576.
Drive safe and save
The easiest method to earn affordable auto insurance premiums in Chula Vista for health professionals is to drive cautiously and not get tickets or have accidents. The illustration below demonstrates how citations and at-fault collisions impact yearly insurance costs for different categories of driver ages. The premiums are based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no additional discounts are factored in.
In the example above, the average cost of an auto insurance policy per year with no accidents or violations is $2,684. Get one speeding ticket and the average cost surges to $3,084, an increase of $400 each year. Then add in two accidents along with the one speeding ticket and the 12-month cost of auto insurance for nurses goes up to an average of $6,523. That’s an increase of $3,840, or $320 per month, just for not maintaining a clean driving record!
How to find economical insurance for nurses
The list below shows many thrifty ideas that can help California drivers get low-cost car insurance.
- Buy a car with high safety ratings
- Earn a discount by not filing claims
- Do not pay for full coverage on older vehicles
- Improve your credit
- Increase the comprehensive and collision deductibles on your policy
- Buying home and auto insurance together can earn discounts
- Compare rates and switch if you can find a better deal
The last tip in the list is extraordinarily vital, as we hit on in the prior article. Rates in Chula Vista change constantly, so drivers shouldn’t hesitate to change insurance companies if a lower-cost policy is available.
Brand loyalty is not necessarily bad, but it’s not a good idea if that devotion results in you overpaying a small fortune. Take a few minutes and shop around to find cheaper insurance for nurses.
The insurance agents in Chula Vista listed below are a good start to provide answers to your questions and help you determine which coverage fits your budget, since some drivers aren’t sure which coverage they need and prefer to have a professional recommendation when comparing insurance rates for nurses. It’s not always easy to do it yourself, so a professional agent can provide you satisfaction knowing your coverage gives you enough coverage when you need it. To find a Chula Vista insurance agency using an interactive map, click the link at the bottom or click here to get price quotes now.
- Hotwire Insurance
555 Broadway #2018 – Chula Vista, CA 91910 – (877) 221-0676 - Harlem Insurance
357 Broadway – Chula Vista, CA 91910 – (619) 576-3250 - Fred Hetter – State Farm Insurance Agent
265 E St Suite B – Chula Vista, CA 91910 – (619) 420-9430 - Mark G Witcher – State Farm Insurance Agent
945 Otay Lakes Rd k – Chula Vista, CA 91913 – (619) 656-4200