The words “economical” and “insurance” probably shouldn’t be used in the same sentence, in particular when searching for the lowest insurance prices for a school permit. Because of the high cost, let’s start off by going over some situations that determine auto insurance prices, and find a few ways to take a little off the next policy you buy.
Shopping around for low-priced insurance is not the easiest thing to do, and finding out which company offers the cheapest car insurance rates for a school permit involves even more diligence.
Each insurance company has a proprietary formula to determine premium rates, so let’s rank the lowest cost car insurance companies in California. It’s important to know that Chula Vista car insurance rates are based on many factors that control the cost of your policy. Price variation is why California drivers need to spend some time comparing rates to find the most affordable car insurance rates for a school permit. Auto insurance prices consist of many different factors and change dramatically, so the most affordable company when you bought your policy may now be quite expensive.
Find the Cheapest Car Insurance for Students
|Rank||Company||Cost Per Year|
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USAA quotes some of the lowest car insurance rates in Chula Vista at around $1,109 each year. CSAA, Wawanesa, Nationwide, and Century National are also some of the cheapest Chula Vista, CA auto insurance companies.
In the above example, if you currently have a policy with Nationwide and switched to CSAA, you might see a yearly savings of approximately $40. Insureds with Century National may save as much as $40 a year, and 21st Century policyholders might cut rates by $193 a year.
To get a fast rate comparison, click here to begin a quote or visit any of the low-priced companies below.
It’s important to note that these premiums are averaged for all drivers and vehicles in California and are not factoring in a specific vehicle garaging location for a school permit. So the company that fits your needs best may not even be in the top 24 companies shown above. That emphasizes why you need to quote rates from many companies using your own specific driver and vehicle information.
The type of vehicle you are buying coverage for is one of the largest factors when shopping for affordable coverage for a school permit. Vehicles with lower performance, a plethora of safety features, or a positive history of liability claims will cost quite a bit less to insure than adrenaline junky models. The table below illustrates auto insurance premiums for a selection of the more affordable automobiles to buy insurance for.
|Vehicle Insured||Estimated Cost for Full Coverage|
|Ford Escape XLT 2WD||$3,524|
|Honda CR-V LX 4WD||$3,531|
|Volkswagen Jetta 2.0T Station Wagon||$4,025|
|Toyota RAV4 Sport 2WD||$4,178|
|Chevrolet Impala LT||$4,184|
|Ford F-150 Lariat Super Cab 2WD||$4,212|
|Ford Explorer Limited AWD||$4,218|
|Dodge Grand Caravan SXT||$4,212|
|Toyota Corolla LE||$4,395|
|Hyundai Elantra GLS 4-Dr Sedan||$4,400|
|Honda Odyssey EX-L W/Rear Entertainment||$4,395|
|Toyota Tacoma X-Runner 2WD||$4,401|
|Ford Edge Limited AWD||$4,395|
|Chevrolet Malibu LTZ||$4,429|
|Chevrolet Equinox LTZ AWD||$4,435|
|Chevrolet Silverado LTZ Extended Cab 4WD||$4,429|
|Jeep Grand Cherokee Limited 2WD||$4,437|
|Ford Fusion SE 4-Dr Sedan||$4,429|
|Ford F-350 XLT Crew Cab Harley Edition 2WD||$4,495|
|Nissan Rogue S AWD||$4,529|
|Honda Civic SI 4-Dr Sedan||$4,610|
|Jeep Wrangler Unlimited Rubicon 4WD 4-Dr||$4,674|
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Data based on single male driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, and claim-free. Price information does not factor in vehicle garaging location which can increase or decrease coverage rates considerably.
Based upon the rates shown, vehicles like the Ford Escape, Honda CR-V, Toyota Prius, and Volkswagen Jetta will be the most economical vehicles to insure for a learners permit. The cost of auto insurance will tend to be more expensive just because there is more inherent risk for a school permit, but generally speaking those vehicles will tend to have the best insurance prices compared to other types of vehicles.
For a learners permit, one of the big components that are looked at to determine the amount you pay for auto insurance is where your car is garaged. Larger areas will most likely have higher rates, whereas areas with less crime or weather claims have the benefit of cheaper auto insurance prices.
The next table rates the most costly cities in California for a school permit to buy auto insurance in. Chula Vista comes in at #25 with an annual rate of $1,298 for the average insurance policy, which is around $108 per month.
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Rate information is comparative as vehicle location can influence auto insurance rates greatly.
The example below highlights how deductible selection can impact insurance costs when quoting cheap insurance for a school permit. Data assumes a single female driver, comp and collision included, and no other discounts are factored in.
In the chart above, a 30-year-old driver could save $400 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $604 by choosing a $1,000 deductible. Young drivers, such as the 20-year-old example, can save up to $888 every year by using a higher deductible. When insureds make the decision to increase the deductibles on their policy, it will be important to have enough savings to satisfy the extra out-of-pocket expense that deters many people from opting for higher deductibles.
Full coverage rates vs. liability-only in Chula Vista
Saving money when shopping for car insurance is probably important to the majority of people, and an effective way to buy cheaper insurance for a school permit is to only buy liability coverage. The diagram below illustrates the comparison of premium costs with full physical damage coverage compared to only buying the minimum liability limits required in California. The data assumes a clean driving record, no at-fault accidents, $250 deductibles, drivers are not married, and no policy discounts are applied.
If the expense is averaged for all age categories, full coverage costs an extra $2,314 per year more than just buying liability only. At some point, about every driver wonders if buying full coverage is worth the expense. There is no definitive rule for phasing out physical damage coverage on your policy, but there is a guideline you can consider. If the yearly cost for physical damage coverage is 10% or more of replacement cost minus your deductible, the it may be a good time to stop paying for full coverage.
Discounts on Chula Vista auto insurance rates
Car insurance companies that offer quotes for a school permit may also give you policy discounts that can reduce rates by 25% or more if you meet specific criteria. The best car insurance companies and some of the premium reductions they offer are:
- GEICO discounts include multi-vehicle, air bags, anti-theft, driver training, defensive driver, good student, and military active duty.
- SAFECO policyholders can earn discounts including anti-lock brakes, multi-car, accident prevention training, drive less, anti-theft, and homeowner.
- State Farm has discounts for driver’s education, good driver, defensive driving training, Drive Safe & Save, and multiple policy.
- MetLife includes discounts for defensive driver, multi-policy, good driver, good student, claim-free, accident-free
- 21st Century offers discounts including air bags, good student, student driver, teen driver, anti-lock brakes, early bird, and 55 and older.
- Progressive offers discounts for good student, multi-vehicle, online signing, homeowner, and online quote discount.
The diagram below shows the difference between auto insurance rates with and without discounts being applied to the rates. The information is based on a female driver, no accidents, no driving violations, California state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows the price with no discounts. The second bar shows the rates with passive restraint, good student, paperless filing, paid-in-full, vehicle safety, and anti-theft discounts applied. In this example, the average amount saved each year on car insurance for a school permit is 28% or $783.
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Chula Vista car insurance rates are influenced by many factors which can substantially change the price you pay. Improving your credit rating, moving to a new city, or having an at-fault accident may cause policy rate changes that can cause some rates to be cheaper in comparison to the competition.
Additionally, auto insurance companies change rates at least once a year in order to remain profitable. Larger than normal claims may cause higher priced premiums, while a better claims history can cause cheaper Chula Vista car insurance rates.
To illustrate this point, the data below shows which companies have the cheapest car insurance in Chula Vista, CA for a 35-year-old male driver with no prior accidents, a clean driving record, and good credit. If we compare prices based on his current rating profile, USAA offers the best car insurance rates in Chula Vista at $1,127 a year. This is $524 less than the average premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are also included in the cheapest Chula Vista, CA auto insurance companies.
In this example, we will give the driver from the above example an accident claim, poor credit, and a speeding citation. Since every car insurance company uses their own method for establishing rates, analyzing rate quotes will most likely result in a new list of cheap Chula Vista auto insurance companies as shown below.
Mercury now has the best insurance rate in Chula Vista with Grange, Progressive, Allstate, and GEICO now rounding out the top five. This demonstrates why consumers need to compare many different companies to get the most economical insurance rates for a school permit.
Prices are impacted by many different factors and change substantially, so the lowest-price company the last time you compared rates may now be quite expensive.