It’s hard to believe, but over 70% of consumers have bought insurance from the same company for over three years, and approximately 38% of consumers have never compared rates with other companies. With the average insurance premium being $1,400, California drivers can save hundreds of dollars each year, but they don’t believe how much savings they would realize if they swap their current policy for a cheaper one.
If saving the most money is your goal, then the best way to get affordable auto insurance rates in Chula Vista is to compare prices annually from providers in California.
- Gain an understanding of the different coverages in a policy and the modifications you can make to prevent high rates. Many factors that drive up the price such as accidents, traffic tickets, and a less-than-favorable credit score can be rectified by paying attention to minor details. Later in this article we will cover more details to help prevent expensive coverage and get additional discounts.
- Request price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only quote rates from one company like GEICO and State Farm, while independent agents can give you price quotes from multiple insurance companies.
- Compare the quotes to your current policy premium and determine if there is any savings. If you find a lower rate and buy the policy, ensure there is no coverage lapse between policies.
A key point to remember is to use the same level of coverage on each price quote and and to get rates from as many different companies as possible. Doing this guarantees a fair price comparison and a complete selection of prices.
Buying the cheapest insurance in Chula Vista is much easier if you know where to start. If you have insurance now or are just looking to switch companies, use these tips to lower your rates without reducing coverage. Vehicle owners just need to know the quickest method to compare rate quotes online.
The quickest way to compare rate quotes for Toyota 86 insurance in Chula Vista is to know the fact most of the larger companies actually pay money for the chance to compare their rates. To get started, all you need to do is provide information such as if a SR-22 is needed, your education level, your general credit rating, and marital status. Your information is then submitted to multiple different insurance companies and you receive quotes quickly.
To find the cheapest car insurance rates, click here and enter the information requested.
The companies shown below have been selected to offer free rate quotes in California. If multiple companies are listed, we recommend you visit several of them to get a more complete price comparison.
Auto insurance does more than just protect your car
Despite the high cost, maintaining insurance serves an important purpose.
- The majority of states have minimum liability requirements which means you are required to buy a specific minimum amount of liability insurance coverage in order to drive the car. 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 your Toyota 86 has a lienholder, it’s guaranteed your bank will require that you carry insurance to ensure they get paid if you total the vehicle. If the policy lapses, the lender will be forced to insure your Toyota for a lot more money and force you to reimburse them a much higher amount than you were paying before.
- Auto insurance protects both your Toyota and your personal assets. Insurance will also pay for many types of medical costs that are the result of an accident. Liability coverage also covers all legal expenses up to the policy limit if you are sued as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, your policy will pay to restore your vehicle to like-new condition.
The benefits of buying auto insurance definitely exceed the price paid, especially if you ever need it. As of last year, the average driver in California overpays more than $820 a year so shop around at least once a year to make sure the price is not too high.
Do I need special coverages?
When quoting and choosing your policy, there is no cookie cutter policy. Your needs are unique to you and a cookie cutter policy won’t apply.
These are some specific questions can help discover whether your personal situation might need professional guidance.
- What vehicles should carry emergency assistance coverage?
- How does medical payments coverage work?
- Does coverage extend to a rental car in a foreign country?
- Can I insure my car for more than it’s worth?
- Where can I find DUI or SR-22 insurance?
- Will filing a claim cost me more?
- What should my uninsured motorist coverage limits be in California?
- Why are teen drivers so expensive to add on to my policy?
- Are rock chip repairs covered?
- Do I need more liability coverage?
If you’re not sure about those questions then you might want to talk to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It’s fast, free and can help protect your family.
Auto insurance specifics
Learning about specific coverages of a auto insurance policy can help you determine the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Below you’ll find the usual coverages offered by auto insurance companies.
UM/UIM Coverage – This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Toyota 86.
Because many people only carry the minimum required liability limits (California limits are 15/30/5), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.
Comprehensive or Other Than Collision – This covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive coverage pays for things like hitting a bird, vandalism, falling objects and hail damage. The most you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Collision coverage – This pays for damage to your 86 caused by collision with another car or object. You have to pay a deductible then your collision coverage will kick in.
Collision coverage protects against things such as rolling your car, hitting a parking meter, damaging your car on a curb and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. You can also bump up the deductible on your 86 in order to get cheaper collision rates.
Liability coverages – Liability insurance protects you from damage or injury you incur to people or other property in an accident. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 15/30/5 which means $15,000 bodily injury coverage, a total of $30,000 of bodily injury coverage per accident, and property damage coverage for $5,000.
Liability coverage pays for claims such as loss of income, emergency aid, funeral expenses and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible. California requires drivers to carry at least 15/30/5 but you should think about purchasing better liability coverage.
The chart below demonstrates why buying low liability limits may not be high enough to adequately cover claims.
Medical costs insurance – Medical payments and Personal Injury Protection insurance pay for bills for things like hospital visits, dental work, surgery and pain medications. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage
Compare auto insurance rates regularly to save
Throughout this article, we presented a lot of ways to reduce Toyota 86 insurance premium rates online in Chula Vista. The key concept to understand is the more times you quote, the better likelihood of getting low cost Chula Vista auto insurance quotes. Drivers may even discover the lowest premium rates are with the least-expected company. Smaller companies may often insure only within specific states and give better rates than their larger competitors like State Farm, GEICO and Nationwide.
There are still a few companies who may not have online quoting and these smaller providers prefer to sell through independent agents. Low-cost Toyota 86 insurance in Chula Vista can be purchased from both online companies and from local insurance agents, so you should compare both to have the best rate selection.
Additional auto insurance information can be read on the following sites:
- Uninsured Motorist Statistics (Insurance Information Institute)
- Who Has the Cheapest Auto Insurance for College Graduates in Chula Vista? (FAQ)
- How Much is Auto Insurance for 17 Year Olds in Chula Vista? (FAQ)
- What Insurance is Cheapest for Good Students in Chula Vista? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for a Toyota Camry in Chula Vista? (FAQ)
- Who Has the Cheapest Chula Vista Car Insurance Quotes for a Nissan Altima? (FAQ)
- Distracted Driving (Insurance Information Institute)
- New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)
- State Car Insurance Guides (GEICO)