Who Has the Cheapest Auto Insurance Rates for Postal Workers in Chula Vista?

I’m sure you’ve seen the captivating commercials from companies like Nationwide and GEICO claiming the cheapest price. So you should just pick the company with the catchiest ad, right?

It’s not that simple, unfortunately, as there are a whole bunch of unknown aspects like tickets or driving violations, the neighborhood you live in, and what coverage limits you need. We know insurance is not everyone’s favorite topic, but in this article we will cover the best ways to avoid paying too much and will hopefully give you a good start in finding the cheapest car insurance in California.

For postal employees, one of the more important components that determine auto insurance rates is where you normally keep your vehicle. More densely populated places tend to have more expensive car insurance rates, whereas areas with less crime or weather claims tend to receive cheaper rates.

The next table sorts the priciest cities in California for postal workers to buy an auto insurance policy in. Chula Vista is ranked at #22 with an annual premium of $1,350 for the average policy, which is approximately $113 per month.

How much does auto insurance cost in Chula Vista?
Rank City Annual Rate
1 Glendale $2,121
2 Los Angeles $2,104
3 San Francisco $1,763
4 Oakland $1,687
5 Sacramento $1,652
6 San Bernardino $1,596
7 Santa Clarita $1,595
8 Long Beach $1,578
9 Fontana $1,566
10 Stockton $1,556
11 Modesto $1,532
12 Garden Grove $1,508
13 Moreno Valley $1,506
14 Fresno $1,502
15 Santa Ana $1,497
16 Riverside $1,482
17 Anaheim $1,444
18 San Jose $1,437
19 Huntington Beach $1,402
20 Bakersfield $1,394
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Premium costs are approximated as specific location information can modify premiums substantially.

The type of vehicle needing coverage is probably the biggest factor that determines if you can find cheap car insurance for postal workers. Vehicles with lower performance, good safety features, or a track record of few liability claims will cost substantially less to insure than fast, unsafe models. The next table ranks insurance rates for the most budget-friendly vehicles to buy insurance for.

Cheapest Vehicles to Insure in Chula Vista, CA
Vehicle Estimated Cost for Full Coverage
Ford Edge SE 2WD $866
Honda CR-V LX 4WD $888
Chevrolet Equinox LT AWD $934
Chevrolet Malibu LS $941
Hyundai Elantra SE Touring Station Wagon $936
Ford Escape Limited 4WD $944
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $950
Ford Explorer Limited AWD $955
Volkswagen Jetta S 2.5 Station Wagon $962
Honda Civic LX 4-Dr Sedan $966
Ford F-150 STX Super Cab 2WD $978
Toyota Camry SE $984
Toyota Prius $986
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Data 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 homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Rate information does not factor in zip code location which can increase or decrease coverage rates substantially.

Based upon these rates, we can infer that cars like the Ford Edge, Honda CR-V, and Chevrolet Equinox should be a few of the most budget-friendly vehicles to insure for postal employees.

Establishing which companies quote the cheapest auto insurance rates for postal workers will require a tad more effort in order to find the lowest price. Each auto insurer has a unique approach for filing rates in each state, so we will examine the most affordable auto insurance companies in California.

Keep in mind that California auto insurance rates are impacted by many things which can substantially change the cost of coverage. Simply having another birthday, buying a home instead of renting, or getting a few speeding tickets can trigger rate changes resulting in some companies being cheaper than others.

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Rankings for the cheapest car insurance companies in California
Rank Company Cost Per Year
1 USAA $1,109
2 Wawanesa $1,181
3 Nationwide $1,213
4 Century National $1,214
5 CSAA $1,222
6 21st Century $1,379
7 Grange $1,433
8 Allstate $1,497
9 Mercury $1,533
10 Progressive $1,542
11 Allied $1,556
12 GEICO $1,559
13 The Hartford $1,591
14 MetLife $1,638
15 State Farm $1,733
16 Unitrin $1,750
17 Esurance $1,756
18 Bristol West $1,777
19 Travelers $1,788
20 Farmers $2,006
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USAA may offer some of the best car insurance rates in Chula Vista at around $1,109 a year. Wawanesa, Nationwide, Century National, and CSAA would also make the list of some of the lowest-priced Chula Vista, CA car insurance companies.

In the above example, if you are currently insured with Century National and switched to USAA, you could realize an annual savings of upwards of $105. Policyholders with CSAA could save as much as $113 a year, and 21st Century insureds might reduce prices by as much as $270 a year.

Understand that those policy rates are averaged for all drivers and vehicles and are not factoring in an exact vehicle garaging location for postal workers. So the insurer that fits your needs best may not even be in the list above. That underscores the importance of why you need to compare as many prices as possible using your own personal information and vehicle type.

The example below demonstrates how choosing different deductibles can change insurance costs when trying to find cheap insurance for postal workers. The premium estimates are based on a married male driver, full physical damage coverage, and no other discounts are factored in.

A 50-year-old driver could reduce rates by $308 a year by changing from a $100 deductible up to a $500 deductible, or save $466 by switching to a $1,000 deductible. Younger drivers, like the Age 20 chart data, could potentially save $1,026 each year just by choosing higher deductibles when buying full coverage.

When using a larger deductible, it is a good idea to have additional funds in a savings account to be able to cover the extra out-of-pocket expense, which is the one shortcoming of high deductibles.

Full coverage or liability only

Paying a lower price for auto insurance is the goal of the majority of vehicle owners, and one of the best ways to pay less for insurance for postal workers is to buy liability only. The information below illustrates the comparison of insurance rates with and without full coverage. The price estimates are based on no violations or accidents, $100 deductibles, single status, and no discounts are applied.

If averaged for all ages, physical damage coverage on your policy costs $2,525 per year over and above liability only. Many of you may wonder if buying full coverage is a waste of money. There is no definitive rule to stop buying physical damage insurance, but there is a general guideline you can use. If the annual cost of coverage is 10% or more of the replacement cost minus the deductible, then you may want to consider only buying liability coverage.

There are a few cases where removing full coverage is not in your best interest. If you haven’t paid off your loan, you have to carry full coverage in order to keep the loan. Also, if you don’t have enough money to buy a different vehicle in case of an accident, you should not buy liability only.

Illustration showing the impact of accidents and violations

The best way to obtain affordable auto insurance premiums in Chula Vista for postal employees is to drive carefully and avoid accidents and violations. The illustration below demonstrates how citations and at-fault collisions can raise annual premium costs for different ages of insureds. The information is based on a married male driver, comp and collision included, $100 deductibles, and no other discounts are factored in.

The data charted above shows the average cost of auto insurance in Chula Vista per year with no accidents or violations is $2,157. Get written up for two speeding tickets and the average cost rises to $2,986, an increase of $829 each year. Now add two accidents along with the two speeding tickets and the annual cost of auto insurance for postal workers jumps again to an average of $5,924. That’s an increase of $3,767, or $314 per month, just for not being attentive to the road!