Do you want a faster way to compare the cheapest Honda Accord insurance in Chula Vista? Do you think you bought an overpriced insurance policy? Believe me when I say there are many Chula Vista drivers thinking the same thing.
Unthinkable but true, the majority of drivers have stayed with the same insurance company for a minimum of four years, and practically 40% of insurance customers have never compared rates from other carriers. California consumers could save themselves 35% a year by just shopping around, but they just assume it takes a lot of time to compare rate quotes online.
How to find better rates for Honda Accord insurance in Chula Vista
The preferred way to find cheaper prices for auto insurance rates is to do an annual price comparison from insurance carriers who sell auto insurance in Chula Vista.
- Take a few minutes and learn about policy coverages and the factors you can control to lower rates. Many rating factors that result in higher rates like getting speeding tickets and a less-than-favorable credit rating can be amended by making minor changes in your lifestyle. This article gives additional tips to help keep rates affordable and get discounts that may be overlooked.
- Compare prices from direct, independent, and exclusive agents. Exclusive agents and direct companies can only quote rates from one company like GEICO or Farmers Insurance, while independent agencies can quote rates from many different companies.
- Compare the new rate quotes to your existing rates and see if you can save money. If you find a lower rate quote and decide to switch, ensure coverage does not lapse between policies.
- Give notification to your current company to cancel your existing policy and submit a signed application and payment to your new company or agent. Once the paperwork is finalized, put the proof of insurance certificate in your glove compartment.
The most important part of this process is to use identical deductibles and limits on each price quote and and to get quotes from as many companies as you can. Doing this guarantees a fair rate comparison and a thorough selection of prices.
Multiple insurers compete for your business, so it can be very hard to choose a insurance company to find the lowest rate on Honda Accord insurance in Chula Vista.
If you have a policy now, you stand a good chance to be able to get lower rates using the ideas you’re about to read. Locating the best rates in Chula Vista is quite easy if you know the best way to do it. But California consumers benefit from understanding how the larger insurance companies set your policy premium and take advantage of how the system works.
Many insurance companies like State Farm and Allstate allow consumers to get pricing on the web. Getting quotes for Honda Accord insurance in Chula Vista is quite easy as you just enter the amount of coverage you want into a form. After the form is submitted, their quoting system sends out for credit information and your driving record and generates pricing information based on the data you entered. The ability to get online price quotes for Honda Accord insurance in Chula Vista makes comparing rates easy, and it’s absolutely necessary to compare as many rates as possible if you are searching for the most affordable premium possible.
To save time and find out if lower rates are available, visit the companies below or click here to submit a quote request to multiple companies at once. If you have coverage now, it’s recommended you duplicate the insurance coverages identical to your current policy. This makes sure you will receive rate quotes for similar coverage.
The following companies offer free rate quotes in Chula Vista, CA. If you want to find cheaper auto insurance in Chula Vista, we suggest you get price quotes from several of them to get the best price comparison.
Rates and data analysis
The premium table displayed next highlights detailed analysis of insurance costs for Honda Accord models. Learning as much as possible about how insurance policy rates are determined can assist in making informed decisions when shopping around for a new policy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Accord LX 4-Dr Sedan||$258||$480||$360||$22||$108||$1,228||$102|
|Accord EX 4-Dr Sedan||$258||$480||$360||$22||$108||$1,228||$102|
|Accord LX-P 4-Dr Sedan||$258||$480||$360||$22||$108||$1,228||$102|
|Accord EX-L 4-Dr Sedan||$296||$584||$360||$22||$108||$1,370||$114|
|Accord EX 2-Dr Coupe||$296||$688||$480||$28||$144||$1,636||$136|
|Accord LX-S 2-Dr Coupe||$296||$688||$480||$28||$144||$1,636||$136|
|Accord EX-L 2-Dr Coupe||$334||$688||$480||$28||$144||$1,674||$140|
|Get Your Own Custom Quote Go|
Prices based on married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Information does not factor in specific location which can change premiums significantly.
The diagram below shows how different deductible levels and can increase or decrease Honda Accord insurance premiums for each different age category. The rates are based on a single female driver, full physical damage coverage, and no additional discounts are factored in.
How much more does full coverage cost?
The chart below illustrates the difference between Honda Accord car insurance rates with full physical damage coverage and with liability coverage only. The premium estimates are based on a clean driving record, no claims, $250 deductibles, drivers are single, and no additional discounts are factored in.
Should you buy full coverage or liability only?
There is no set guideline 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 the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.
For example, let’s say your Honda Accord replacement value is $3,000 and you have $1,000 deductibles. If your vehicle is totaled, the most you would get paid by your company is $2,000 after the policy deductible has been paid. If it’s costing in excess of $200 annually to have full coverage, then you might want to consider buying only liability coverage.
There are some scenarios where only buying liability is not a good plan. If you still have a loan on your vehicle, you have to keep full coverage in order to prevent your loan from defaulting. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should not eliminate full coverage.
Five Tips to Get Lower-cost Chula Vista Insurance Costs
Part of the auto insurance buying process is learning the different types of things that help calculate auto insurance rates. If you have some idea of what influences your rates, this enables you to make decisions that will entitle you to better auto insurance rates. Lots of factors are considered when premium rates are determined. Some are pretty understandable like an MVR report, but others are more obscure such as your marital status or your commute time.
Multiple policies with one company can save – The majority of insurance companies allow discounts for people that purchase more than one policy such as combining an auto and homeowners policy. Even with this discount, it’s always a smart idea to shop around to ensure the best deal.
Your occupation is a factor – Did you know your job can affect your rates? Jobs like military personnel, executives, and emergency personnel generally pay the highest average rates in part from high stress and long work days. Conversely, occupations such as farmers, athletes and retirees get better rates.
Accidents mean higher rates – Only having one ticket can boost insurance rates substantially. Drivers with clean records pay less for auto insurance than bad drivers. Drivers who have gotten serious violations like DWI, reckless driving or hit and run convictions may find that they have to to file a proof of financial responsibility form (SR-22) with their state’s department of motor vehicles in order to drive a vehicle legally.
The example below highlights how traffic violations and at-fault accidents impact Honda Accord auto insurance costs for each age group. The premium estimates are based on a single female driver, full coverage, $1,000 deductibles, and no policy discounts are applied.
Your address can impact prices – Residing in small towns and rural areas may provide you with better prices when insuring your vehicles. People in densely populated areas have congested traffic and longer commute times. Fewer drivers translates into fewer accidents as well as less vandalism and auto theft.
Cars with good safety ratings means cheaper prices – Safe vehicles get lower rates. Safe vehicles reduce injuries and fewer serious injuries means less money paid by your insurance company which can mean better rates for you.
Honda Accord claim statistics – Companies analyze claim trends for every vehicle when they calculate premium rates for each model. Vehicles that the data determines to have higher prevalence or dollar amount of losses will have a higher cost to insure. The next table illustrates the actual insurance loss data for Honda Accord vehicles.
For each coverage type, the statistical loss for all vehicles as a whole equals 100. Values that are 100 or less suggest a positive loss record, while values that are above 100 point to more losses or a tendency for claims to be larger.
|Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Honda Accord Hybrid||96||80||98||89||76||84|
|Honda Accord Crosstour 4dr 2WD||85||97||83||122||113||94|
|Honda Accord Crosstour 4dr 4WD||99||102||94||120||93|
Empty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years
Insurance is not optional but you don’t have to overpay
Despite the high insurance cost for a Honda Accord in Chula Vista, insurance may not be optional for several reasons.
- Almost all states have mandatory liability insurance requirements which means it is punishable by state law to not carry a minimum amount of liability protection in order to get the vehicle licensed. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you took out a loan on your Accord, it’s guaranteed your bank will make it a condition of the loan that you buy insurance to guarantee their interest in the vehicle. If coverage lapses or is canceled, the bank will be required to insure your Honda at a significantly higher premium and force you to reimburse them a much higher amount than you were paying before.
- Insurance preserves both your Honda Accord and your personal assets. It also can pay for most medical and hospital costs for yourself as well as anyone injured by you. Liability insurance will also pay for a defense attorney if you cause an accident and are sued. If mother nature or an accident damages your car, your policy will pay to restore your vehicle to like-new condition.
The benefits of having insurance greatly outweigh the cost, especially for larger claims. According to a 2015 survey, the average American driver is wasting up to $865 each year so compare quotes from several companies at least once a year to ensure rates are competitive.
Best auto insurance company in Chula Vista
Picking a good quality insurance company can be a challenge considering how many choices you have in California. The company information shown next may help you decide which auto insurance companies to look at purchasing from.
Top 10 Chula Vista Car Insurance Companies Overall
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- The General
- Titan Insurance
Top 10 Chula Vista Car Insurance Companies Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA of Southern California – 92%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%