How many times have you put off comparing quotes for low-cost Toyota Yaris insurance in Chula Vista? If you are a novice to online auto insurance shopping, most likely you are bewildered by the vast assortment of auto insurance companies all claiming to save you money.
Unthinkable but true, almost 70% of drivers have been with the same company for at least the last four years, and approximately 40% of consumers have never even compared quotes to find affordable rates. With the average premium in California being $1,387, drivers could save themselves as much as $469 a year by just comparing rate quotes, but most undervalue the actual amount they would save if they changed companies.
Low Cost Toyota insurance prices in Chula Vista
The following companies provide comparison quotes in California. If your goal is to find cheap auto insurance in CA, we recommend you visit several of them to find the most competitive car insurance rates.
Insurance coverage analysis
The price information shown below outlines different policy rates for Toyota Yaris models. Learning how auto insurance prices are established can help you make smart choices when comparing insurance quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Yaris 2-Dr Hatchback | $232 | $524 | $650 | $38 | $194 | $1,638 | $137 |
| Yaris 4-Dr Hatchback | $232 | $524 | $574 | $34 | $172 | $1,536 | $128 |
| Yaris 4-Dr Sedan | $232 | $524 | $574 | $34 | $172 | $1,536 | $128 |
| Yaris S 2-Dr Hatchback | $266 | $524 | $650 | $38 | $194 | $1,672 | $139 |
| Yaris S 4-Dr Hatchback | $266 | $524 | $574 | $34 | $172 | $1,570 | $131 |
| Yaris S 4-Dr Sedan | $266 | $524 | $574 | $34 | $172 | $1,570 | $131 |
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Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Premium costs do not factor in Chula Vista location which can increase or decrease insurance rates substantially.
How high should deductibles be?
One of the most common insurance questions is how low should you set your deductibles. The premium rates below may aid in understanding the cost difference when you select higher and lower insurance deductibles. The first table uses a $100 deductible and the second pricing table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Yaris 2-Dr Hatchback | $332 | $686 | $500 | $30 | $150 | $1,723 | $144 |
| Yaris 4-Dr Hatchback | $332 | $686 | $442 | $26 | $132 | $1,643 | $137 |
| Yaris 4-Dr Sedan | $332 | $686 | $442 | $26 | $132 | $1,643 | $137 |
| Yaris S 2-Dr Hatchback | $380 | $686 | $500 | $30 | $150 | $1,771 | $148 |
| Yaris S 4-Dr Hatchback | $380 | $686 | $442 | $26 | $132 | $1,691 | $141 |
| Yaris S 4-Dr Sedan | $380 | $686 | $442 | $26 | $132 | $1,691 | $141 |
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| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Yaris 2-Dr Hatchback | $242 | $464 | $500 | $30 | $150 | $1,386 | $116 |
| Yaris 4-Dr Hatchback | $242 | $464 | $442 | $26 | $132 | $1,306 | $109 |
| Yaris 4-Dr Sedan | $242 | $464 | $442 | $26 | $132 | $1,306 | $109 |
| Yaris S 2-Dr Hatchback | $278 | $464 | $500 | $30 | $150 | $1,422 | $119 |
| Yaris S 4-Dr Hatchback | $278 | $464 | $442 | $26 | $132 | $1,342 | $112 |
| Yaris S 4-Dr Sedan | $278 | $464 | $442 | $26 | $132 | $1,342 | $112 |
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Premium costs do not factor in the specific area where the vehicle is garaged which can impact coverage prices noticeably.
Based on this data, we can arrive at the conclusion that using a $100 deductible costs an average of $28 more each month or $336 every year than buying the higher $500 deductible. Due to the fact that you would have to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you usually have more than 14 months between claim filings, you would most likely save money going with the higher deductible. Here’s the way you can do this calculation yourself.
| Average monthly premium for $100 deductibles: | $141 |
| Average monthly premium for $500 deductibles (subtract): | – $113 |
| Monthly savings from raising deductible: | $28 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $28 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 14 months |
The information below demonstrates how deductible levels and can influence Toyota Yaris yearly insurance costs for each different age category. The information is based on a married female driver, comprehensive and collision coverage, and no discounts are applied.
How careless driving impacts Chula Vista insurance rates
The chart below shows how speeding tickets and at-fault fender-benders impact Toyota Yaris premium costs for each different age category. The costs are based on a married female driver, full coverage, $1,000 deductibles, and no discounts are taken into consideration.
Cheaper rates by taking advantage of discounts
Auto insurance companies don’t always advertise all discounts in a way that’s easy to find, so here is a list both the well known and the more hidden credits available to bring down your rates.
- Military Discounts – Having a deployed family member could mean lower premium rates.
- Pay Early and Save – By paying your policy upfront instead of paying each month you could save up to 5%.
- Multi-Vehicle Discounts – Buying insurance for more than one vehicle on one policy can reduce rates for all insured vehicles.
- Anti-theft Discount – Vehicles that have factory anti-theft systems prevent vehicle theft and will save you 10% or more on Yaris insurance in Chula Vista.
- Telematics Data – People who choose to allow companies to look at where and when they drive by using a telematics device such as Progressive’s Snapshot may get a rate reduction as long as the data is positive.
- Discounts for Safe Drivers – Drivers who don’t get into accidents could pay up to 40% less than less cautious drivers.
- Claim Free – Good drivers with no accidents pay less in comparison with accident-prone drivers.
- Senior Citizen Rates – Mature drivers can possibly qualify for lower premium rates.
- Distant Student – College-age children living away from Chula Vista attending college and don’t have a car could get you a discount.
One thing to note about discounts is that many deductions do not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. Even though the math looks like having all the discounts means you get insurance for free, companies wouldn’t make money that way.
The chart below shows the comparison of Toyota Yaris insurance costs with and without discounts applied to the premium. The rates are based on a male driver, no claims, a clean driving record, California state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, multi-policy, safe-driver, marriage, and homeowner discounts applied.
A list of companies and the discounts they provide are included below.
- Mercury Insurance may have discounts that include anti-theft, ease of repair, accident-free, multi-car, and type of vehicle.
- Farmers Insurance has discounts for switch companies, homeowner, youthful driver, distant student, early shopping, and mature driver.
- Farm Bureau may offer discounts for multi-policy, 55 and retired, safe driver, multi-vehicle, renewal discount, and youthful driver.
- State Farm may include discounts for Steer Clear safe driver discount, passive restraint, multiple autos, driver’s education, multiple policy, and Drive Safe & Save.
- Allstate offers discounts including economy car, anti-theft, 55 and retired, new car, multi-policy, senior citizen, and safe driver.
- GEICO has savings for multi-vehicle, federal employee, anti-theft, air bags, anti-lock brakes, and military active duty.
If you want the cheapest Toyota Yaris rate quotes, ask every prospective company which credits you are entitled to. Some of the earlier mentioned discounts might not apply in your state. If you would like to view providers that offer discounts in California, follow this link.
Car insurance can be complex
When quoting and comparing a policy, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s and your car insurance should unique, too. Here are some questions about coverages that can aid in determining whether your personal situation might need professional guidance.
- Can my teen driver be rated on a liability-only vehicle?
- Are there any extra discounts I can get?
- Is my custom paint covered by insurance?
- Am I covered if I hit a deer?
- What if a claim settlement is too low?
- Will my rates increase for filing one claim?
- What are the financial responsibility laws in my state?
If it’s difficult to answer those questions then you might want to talk to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of car insurance companies in your area.
Auto insurance is available from local agents
Some people just want to sit down with an agent and we recommend doing that An additional benefit of getting free rate quotes online is you can get the best rates and still have an agent to talk to.
To help locate an agent, after submitting this quick form, your coverage information is submitted to agents in your area that can provide free Chula Vista auto insurance quotes to get your business. It’s much easier because you don’t need to leave your computer due to the fact that quote results will go to you directly. You can get cheaper auto insurance rates without the usual hassles of price shopping. In the event you want to get a comparison quote from a specific company, feel free to go to their quote page and fill out the quote form the provide.
Selecting an provider shouldn’t rely on just a cheap quote. The answers to these questions are important, too.
- Do they have cheaper tiers of coverage?
- Will their companies depreciate repairs to your car based on the mileage?
- What company holds the largest book of business for them?
- Does the agent help file claims?
- Does the company allow you to choose your own collision repair facility?
- Which companies do they recommend if they are an independent agency?
- Will the company cover a rental car if your car is getting fixed?
- How does the company pay claims for a total loss?
Ratings for Chula Vista auto insurance companies
Insuring your vehicle with a highly-rated insurance provider can be difficult considering how many choices drivers have in Chula Vista. The company ratings shown below could help you select which car insurance companies you want to consider purchasing a policy from.
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 by A.M. Best Rank
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Quote more and you will save more
Some insurance providers do not provide online price quotes and usually these smaller companies work with independent insurance agencies. Lower-priced Toyota Yaris insurance in Chula Vista can be bought from both online companies and from local insurance agents, and you need to price shop both so you have a total pricing picture.
As you prepare to switch companies, never reduce needed coverages to save money. There are a lot of situations where consumers will sacrifice collision coverage only to regret that the few dollars in savings costed them thousands. The proper strategy is to find the BEST coverage at a price you can afford while not skimping on critical coverages.
Steps to buying cheaper Toyota Yaris insurance in Chula Vista
It takes a few minutes, but the best way to get affordable car insurance rates in Chula Vista is to start doing a yearly price comparison from companies in California.
- Step 1: Read about how car insurance works and the things you can control to keep rates low. Many risk factors that cause high rates like speeding tickets, careless driving and a low credit score can be eliminated by paying attention to minor details.
- Step 2: Request price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only quote rates from one company like Progressive and State Farm, while independent agencies can provide rate quotes from multiple insurance companies.
- Step 3: Compare the new rates to your existing coverage to see if a cheaper rate is available in Chula Vista. If you find a lower rate quote and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Step 4: Provide written notification to your current company to cancel your current auto insurance policy. Submit the signed application along with the required initial payment for your new coverage. Immediately upon receiving it, put the new proof of insurance paperwork above your visor, in the console, or in the glove compartment.
One key aspect when comparing rates is that you use identical limits and deductibles on every price quote and and to compare as many carriers as you can. Doing this ensures the most accurate price comparison and and a good selection of different prices.
More tips and info about car insurance can be read at these sites:
- Booster Seat Ratings (iihs.org)
- Who Has the Cheapest Chula Vista Car Insurance Rates for Teenage Females? (FAQ)
- How Much are Car Insurance Rates for Immigrants in Chula Vista? (FAQ)
- Who Has Affordable Auto Insurance Rates for a Ford Explorer in Chula Vista? (FAQ)
- How Much is Auto Insurance for 17 Year Olds in Chula Vista? (FAQ)
- Who Has Affordable Car Insurance Quotes for a Subaru Outback in Chula Vista? (FAQ)
- Who Has Cheap Auto Insurance for Safe Drivers in Chula Vista? (FAQ)
- How Much are Chula Vista Car Insurance Rates for State Employees? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Hybrid Vehicles in Chula Vista? (FAQ)
- Five Tips to Save on Auto Insurance (Insurance Information Institute)
- Protect Yourself Against Auto Theft (Insurance Information Institute)
- What is Full Coverage? (Allstate)
- Tread Depth and Tire Safety (State Farm)