If you want to find the absolute lowest rates, then the best way to find more affordable car insurance rates in Chula Vista is to make a habit of comparing prices annually from different companies in California.
- Step 1: Take a little time to learn about individual coverages and the changes you can make to lower rates. Many rating criteria that are responsible for high rates such as distracted driving and an imperfect credit score can be rectified by being financially responsible and driving safely.
- Step 2: Request price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can provide rates from one company like GEICO or Farmers Insurance, while agents who are independent can provide price quotes from multiple sources.
- Step 3: Compare the new rates to your existing coverage to determine if you can save on BRZ insurance in Chula Vista. If you find better rates and buy the policy, make sure there is no lapse in coverage.
The critical component of shopping around is to try to compare the same coverage limits and deductibles on every price quote and and to get rate quotes from as many auto insurance providers as possible. Doing this helps ensure an apples-to-apples comparison and plenty of rates choose from.
It’s amazing but over 70% of consumers have bought auto insurance from the same company for a minimum of four years, and nearly 40% of drivers have never compared rates from other carriers. Chula Vista insurance shoppers could pocket nearly 35% a year just by shopping around, but they don’t understand how simple it is to find affordable auto insurance rates.
If you have insurance now or just want to reduce your rates, you can follow these tips to get lower rates without sacrificing coverage. Shopping for the best car insurance coverage in Chula Vista is not as confusing as people think. You only have to learn the proper methods to compare price quotes online from multiple companies.
Most major insurance companies like Progressive, GEICO, Allstate and State Farm give price estimates direct online. Getting quotes for Subaru BRZ insurance in Chula Vista is very simple as you just enter your coverage information into the quote form. When the form is submitted, the quote system orders your driving and credit reports and returns a price quote determined by many factors.
Quoting online for Subaru BRZ insurance in Chula Vista makes comparing rates easy, and it’s also necessary to perform this step in order to get the lowest payment.
To save time and compare rates now, visit the companies below or click here to submit a quote request to multiple companies at once. If you currently have coverage, we recommend that you enter the coverage information identical to your current policy. This guarantees you will have rate quotes using the exact same coverages.
The companies in the list below provide price quotes in Chula Vista, CA. To buy cheap car insurance in Chula Vista, CA, we suggest you click on several of them to find the most affordable auto insurance rates.
Discounts can help lower rates on Subaru BRZ insurance in Chula Vista
Properly insuring your vehicles can get expensive, but there may be some discounts to cut the cost considerably. Certain credits will be shown when you complete an application, but occasionally some discounts must be inquired about prior to getting the savings.
- Discount for Passive Restraints – Vehicles equipped with air bags or automatic seat belts can get savings of 25 to 30%.
- Mature Driver Discount – If you’re over the age of 55, you may qualify for reduced rates.
- Discount for Low Mileage – Fewer annual miles on your Subaru could be rewarded with cheaper car insurance rates.
- Driver Training Discounts – Taking part in a course that instructs on driving safety could save 5% or more and make you a better driver.
- Anti-theft Discount – Cars and trucks optioned with advanced anti-theft systems are stolen less frequently so companies will give you a small discount.
While discounts sound great, it’s important to understand that some credits don’t apply to the entire cost. Some only reduce specific coverage prices like liability, collision or medical payments. Just because it seems like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.
A few popular companies and some of their more popular discounts are detailed below.
- GEICO discounts include membership and employees, air bags, emergency military deployment, defensive driver, multi-vehicle, military active duty, and five-year accident-free.
- USAA has savings for military installation, driver training, multi-vehicle, loyalty savings, and annual mileage.
- Progressive policyholders can earn discounts including online quote discount, multi-policy, multi-vehicle, good student, and online signing.
- American Family offers discounts for multi-vehicle, bundled insurance, early bird, Steer into Savings, accident-free, good student, and TimeAway discount.
- Esurance has discounts for online quote, multi-car, good driver, DriveSense, multi-policy, and safety device.
- Farmers Insurance includes discounts for teen driver, bundle discounts, mature driver, homeowner, multi-car, and early shopping.
- State Farm may offer discounts for Steer Clear safe driver discount, good driver, multiple autos, accident-free, and student away at school.
When quoting, ask every prospective company to give you their best rates. Some of the earlier mentioned discounts may not apply to policyholders in Chula Vista. To view car insurance companies offering car insurance discounts in Chula Vista, follow this link.
Why do I need car insurance?
Even though Chula Vista BRZ insurance rates can get expensive, buying auto insurance may not be optional for several reasons.
- Most states have mandatory insurance requirements which means you are required to carry a specific minimum amount of liability coverage if you want to drive legally. 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 have a loan on your vehicle, almost every bank will require you to buy full coverage to guarantee payment of the loan. If you do not pay your insurance premiums, the lender may insure your Subaru at a much higher rate and require you to fork over for the much more expensive policy.
- Auto insurance protects both your vehicle and your personal assets. Insurance will also pay for most medical and hospital costs for not only you but also any passengers injured in an accident. One of the most valuable coverages, liability insurance, also pays for attorney fees and expenses if you are named as a defendant in an auto accident. If mother nature or an accident damages your car, your policy will cover the repair costs.
The benefits of having insurance definitely exceed the price paid, especially if you ever need it. But the average driver in California is wasting up to $865 each year so you should quote and compare rates every year to save money.
California auto insurance companies ranked
Ending up with the right auto insurance company can be a challenge considering how many different companies there are to choose from in California. The information below can help you analyze which insurers you want to consider when comparing rate quotes.
Top 10 Chula Vista Car Insurance Companies Ranked by Customer Service
- AAA of Southern California
- GEICO
- State Farm
- The Hartford
- Mercury Insurance
- The General
- Progressive
- Allstate
- AAA Insurance
- American Family
Top 10 Chula Vista Car Insurance Companies Ranked by Value
- USAA
- American Family
- The Hartford
- AAA of Southern California
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Mercury Insurance
- Nationwide
When should I contact an agent?
Some people would prefer to visit with an insurance agent and that is OK! Good insurance agents can help you build your policy and help file insurance claims. One of the benefits of price shopping on the web is the fact that drivers can get lower rates and still have a local agent.
For easy comparison, once you complete this short form, the coverage information is emailed to agents in your area who will give competitive quotes for your business. There is no reason to search for an agent since price quotes are sent immediately to you. If you need to quote rates from a specific insurance company, you can always navigate to their website to submit a rate quote request.
Finding a good company should include more criteria than just the bottom line cost. Before buying a policy in Chula Vista, get answers to these questions.
- How much experience to they have in personal lines coverages?
- If your car is totaled, how to they determine the replacement cost?
- If you are a high risk driver, do they have special markets for your coverage?
- If you have an accident, will your rates go up?
- How much can you save by raising your physical damage deductibles?
- Are they in the agency full-time?
- Are there any discounts for paying up front?
If you are searching for a reputable insurance agent or broker, it helps to know the two different agency structures that you can choose from. Agents in Chula Vista are considered either independent (non-exclusive) or exclusive. Both types of agents can sell and service auto insurance coverage, but it’s worth learning the difference in the companies they write for since it can affect which agent you choose.
Exclusive Agents
Agents of this type generally can only insure with one company and some examples include Farmers Insurance, Allstate, or State Farm. Exclusive agencies are unable to place coverage with different providers so they have to upsell other benefits. Exclusive agents are highly trained on sales techniques which can be an advantage. Consumers frequently purchase coverage from exclusives primarily because of the prominent brand name rather than low rates.
Shown below are Chula Vista exclusive agencies that are able to give price quote information.
- Allstate Insurance: Steven F Hovland
88 Bonita Rd Ste D – Chula Vista, CA 91910 – (619) 425-9400 – View Map - Farmers Insurance – Charles Phillips
642 3rd Ave a – Chula Vista, CA 91910 – (619) 585-3484 – View Map - GEICO Insurance Agent
386 E H St Suite 203 – Chula Vista, CA 91910 – (619) 264-1751 – View Map
Independent Auto Insurance Agents
Agents of this type do not sell for just one brand and that allows them to write policies through lots of different companies and get you the best rates possible. If they find a lower price, your agent can switch companies without you having to go to a different agency.
If you need cheaper auto insurance rates, we recommend you get several quotes from a couple of independent agencies for maximum quote selection. A lot of them also have access to smaller companies who may have lower rates.
Below are Chula Vista independent insurance agencies willing to provide comparison quotes.
- California Brokerage Insurance
355 K St – Chula Vista, CA 91911 – (619) 420-8888 – View Map - Garrison Insurance Agency, Inc
553 Telegraph Canyon Rd – Chula Vista, CA 91910 – (800) 701-5909 – View Map - Hotwire Insurance
555 Broadway #2018 – Chula Vista, CA 91910 – (877) 221-0676 – View Map