We don’t have to point out that fact that auto insurance companies don’t want you comparing rates. Drivers who shop for lower prices are inclined to switch to a new company because of the high probability of finding a cheaper policy. A recent study showed that people who compared price quotes annually saved over $865 annually compared to policyholders who never compared other company’s rates.
If saving money on Fiat 124 Spider insurance is the reason you’re reading this, then having an understanding of how to shop for auto insurance can help simplify the task of finding more affordable coverage.
Truthfully, the best way to find low-cost auto insurance rates is to compare prices once a year from providers who sell auto insurance in Chula Vista.
- Try to learn a little about how insurance companies determine prices and the measures you can control to prevent high rates. Many factors that result in higher rates like traffic violations, accidents, and an imperfect credit rating can be rectified by paying attention to minor details. Keep reading for ideas to get affordable coverage and earn a bigger discount.
- Get rate quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from a single company like GEICO and Allstate, while independent agencies can provide rate quotes for many different companies.
- Compare the quotes to your existing rates to see if a cheaper rate is available. If you can save some money and make a switch, ensure coverage does not lapse between policies.
- Notify your company or agent of your intention to cancel the current policy. Submit a down payment and signed policy application to the new insurer. Immediately put the certificate verifying proof of insurance somewhere easily accessible.
A good piece of advice is to use the same coverage limits and deductibles on every quote request and and to get rate quotes from as many carriers as you can. Doing this enables the most accurate price comparison and many rates to choose from.
Most of the larger companies provide coverage prices on the web. Doing online price comparisons for Fiat 124 Spider insurance in Chula Vista can be done by anyone as you just enter your required coverages into the quote form. Once entered, their rating system requests information on your driving record and credit history and generates pricing information.
Using the web to get quotes for Fiat 124 Spider insurance in Chula Vista helps simplify price comparisons, and it’s necessary to perform this step in order to get the cheapest possible prices on insurance.
In order to find out what other companies charge, compare rates from the companies below. If you have your current policy handy, we recommend you enter your coverages as shown on your current policy. This helps ensure you will be getting a fair comparison for exact coverage.
The following companies are ready to provide price comparisons in California. In order to find the best car insurance in Chula Vista, CA, we suggest you visit two to three different companies to get the cheapest price.
Lower rates by qualifying for discounts
Insuring your fleet can be pricey, but you might be missing out on some discounts that can help lower your rates. Larger premium reductions will be automatically applied when you quote, but lesser-known reductions have to be requested specifically before they will apply. If you are not receiving all the discounts you deserve, you may be paying too high a price.
- Accident Forgiveness – This isn’t a discount exactly, but a handful of insurance companies will let one accident slide before raising your premiums as long as you don’t have any claims prior to being involved in the accident.
- Good Student Discount – Performing well in school can get you a discount of up to 25%. The good student discount can last well after school through age 25.
- Anti-theft System – Cars and trucks optioned with advanced anti-theft systems help deter theft and can earn a small discount on your policy.
- Discounts for Seat Belt Usage – Buckling up and requiring all passengers to wear their seat belts could cut 10% or more on medical payment and PIP coverage.
- Senior Citizens – Mature drivers can get reduced rates.
- Government Employees – Active or retired federal employment could qualify for a slight premium decrease with select insurance companies.
- New Car Discount – Adding a new car to your policy can cost up to 25% less due to better safety requirements for newer vehicles.
As is typical with insurance, many deductions do not apply to your bottom line cost. Some only reduce the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like all those discounts means the company will pay you, companies don’t profit that way.
A few companies that may include these money-saving discounts possibly include:
When quoting, ask every company which discounts you qualify for. A few discounts might not be offered on policies in Chula Vista. To choose providers who offer online Fiat 124 Spider insurance quotes in Chula Vista, follow this link.
Don’t I need to contact an insurance agent?
A small number of people still like to buy from a local agent and that is OK! Agents can help you choose the best coverages and help file insurance claims. One of the benefits of comparing car insurance online is the fact that drivers can get the best rates and still have an agent to talk to. And buying from local agents is important particularly in Chula Vista.
After filling out this form (opens in new window), the coverage information gets sent to insurance agents in Chula Vista who will give you quotes for your coverage. It makes it easy because there is no need to search for an agent since price quotes are sent to your email. If you wish to quote rates from a specific company, you just need to go to their quote page and fill out their quote form.
If you want to buy car insurance from a good insurance agency, you must know there are a couple different types of agents that differ in how they can insure your vehicles. Car insurance policy providers can be classified as either exclusive or independent. Both can provide car insurance policies, but we need to point out the difference in how they write coverage since it could factor into your agent selection.
Independent Agents (or Brokers)
Independent agents often have many company appointments and that is an advantage because they can write policies with many different companies and get the cheapest rates. To move your coverage to a new company, they simply move your policy to a different company without you having to go to a different agency. If you need cheaper car insurance rates, you will definitely want to get insurance quotes from multiple independent agents to maximize your price options. Most also have access to companies that do not advertise much that may provide cheaper car insurance rates.
Below is a partial list of independent agencies in Chula Vista who may be able to give you cheap rate quotes.
- Eastlake Insurance Services
884 Eastlake Pkwy # 1626 – Chula Vista, CA 91914 – (619) 216-6100 – View Map
- Hoffman Hanono Insurance Agency
2090 Otay Lakes Rd #102 – Chula Vista, CA 91915 – (619) 420-1861 – View Map
- Fred Loya Insurance
1177 Broadway STE 21 – Chula Vista, CA 91911 – (619) 422-7500 – View Map
Exclusive Car Insurance Agents
These type of agents can only quote rates from one company and examples are Allstate, State Farm and Farm Bureau. Exclusive agencies are unable to provide prices from multiple companies so they really need to provide good service. Exclusive agencies are usually quite knowledgeable on their company’s products and that enables them to sell even at higher rates. Many people buy from the same agent for years primarily because of the prominence of the brand and solid financial strength.
Below are exclusive insurance agencies in Chula Vista who can help you get rate quotes.
- Allstate Insurance: Brian Konishi
45 Third Ave Ste 104 – Chula Vista, CA 91910 – (619) 426-6580 – View Map
- Farmers Insurance – Patricia Ruiz
2568 Waterline Way – Chula Vista, CA 91914 – (619) 482-7011 – View Map
- Bruce Anderson – State Farm Insurance Agent
871 Harold Pl #109 – Chula Vista, CA 91914 – (619) 422-3333 – View Map
Finding the right car insurance agent is decision based upon more than just a low price. Any agent in Chula Vista should be willing to answer these questions.
- What is their Better Business Bureau rating?
- Which insurance companies are they affiliated with?
- Does the company have a solid financial rating?
- Are there any discounts that you might be missing?
- How long have they worked with personal auto insurance coverage?
- Will they take your side in the event of a claim?
How much insurance do I need?
When quoting and choosing proper insurance coverage, there is no perfect coverage plan. Your financial needs are unique.
Here are some questions about coverages that might point out whether your personal situation may require specific advice.
- Which companies will insure high-risk drivers?
- Can my babysitter drive my car?
- Will damage be repaired with OEM parts?
- Is my business laptop covered if it gets stolen from my vehicle?
- Is my vehicle covered by my employer’s policy when using it for work?
- When should my teen driver be added to my policy?
- Do I pay less if my vehicle is kept in my garage?
- Are my friends covered when driving my Fiat 124 Spider?
- Can I insure my car for more than it’s worth?
- Should I have combined single limit or split liability limits?
If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed insurance agent. To find an agent in your area, take a second and complete this form. It’s fast, free and you can get the answers you need.
Insurance Rate Influencing Factors
Consumers need to have an understanding of the rating factors that are used to determine your auto insurance rates. When consumers understand what impacts premium levels, this helps enable you to make changes that can help you get big savings.
- The type of car, truck or SUV makes a difference – The performance level of the vehicle you drive makes a substantial difference in your auto insurance rates. The best insurance prices are usually found on lower performance four cylinder passenger vehicles, but that’s not the only thing that factors into the final price.
- Consolidate policies and save money – Some insurers provide lower prices to buyers who consolidate policies with them in the form of a multi-policy discount. The discount can be ten or even fifteen percent. Even with this discount, consumers should still compare Fiat 124 Spider rates in Chula Vista to verify if the discount is saving money.
- Drive a safer car and pay less – Vehicles that have high safety ratings cost less to insure. The safest vehicles reduce the chance of injuries and reduced instances of injuries translates into savings for insurance companies which can mean better rates for you.
- Don’t abuse claims – Car insurance companies in California provide most affordable rates to policyholders who do not file claims often. If you are the type of insured that files lots of claims you can pretty much guarantee higher rates. Your insurance policy is designed for claims that pose a financial burden.
- Women tend to take less risk – Over the last 50 years, statistics have shown women are more cautious behind the wheel. However, this does not mean females are better at driving than males. Women and men cause accidents in similar numbers, but guys have accidents that have higher claims. In addition to higher claims, males also have more aggressive citations like DWI (DUI) or reckless driving. Male drivers age 16 to 19 generally have the highest accident percentage and therefore are the most expensive to insure.
- Your car’s features help determine premiums – Owning a car with an alarm system can help bring down rates. Advanced theft deterrents such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help stop your car from being stolen.
Why car insurance is not optional
Despite the high cost of buying insurance for a Fiat 124 Spider in Chula Vista, paying for car insurance serves several important purposes.
First, almost all states have compulsory liability insurance requirements which means state laws require specific minimum amounts of liability if you don’t want to risk a ticket. 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.
Second, if your car has a lienholder, most banks will make it a condition of the loan that you have full coverage to guarantee loan repayment. If the policy lapses, the bank or lender will purchase a policy for your Fiat at a much higher premium rate and force you to pay much more than you were paying before.
Third, insurance protects both your vehicle and your personal assets. It will also reimburse you for medical transport and hospital expenses for you, any passengers, and anyone injured in an accident. As part of your policy, liability insurance will also pay attorney fees if you are sued as the result of your driving. If you have damage to your Fiat as the result of the weather or an accident, your policy will pay to restore your vehicle to like-new condition.
The benefits of having insurance more than cancel out the cost, especially with large liability claims. As of last year, the average driver in California overpays as much as $865 each year so it’s important to compare rates at every renewal to ensure rates are inline.
More comparisons equals affordable rates
As you quote Chula Vista car insurance, it’s very important that you do not reduce needed coverages to save money. Too many times, drivers have reduced liability limits or collision coverage to discover at claim time that it was a big error on their part. Your focus should be to find the BEST coverage at an affordable rate, but don’t skip important coverages to save money.
We just showed you many tips how you can shop for Fiat 124 Spider insurance online. The key concept to understand is the more companies you get prices for, the better chance you’ll have of finding low cost Chula Vista car insurance quotes. Consumers may even find the most savings is with a company that doesn’t do a lot of advertising.
Lower-priced insurance in Chula Vista can be bought from both online companies in addition to local insurance agencies, and you should compare price quotes from both so you have a total pricing picture. Some insurance providers may not have the ability to get a quote online and many times these small, regional companies only sell through independent agencies.
Even more information can be read by following these links:
- Child Safety FAQ (iihs.org)
- How Much are Car Insurance Rates for Immigrants in Chula Vista? (FAQ)
- Who Has Affordable Chula Vista Car Insurance Rates for Unemployed Drivers? (FAQ)
- Who Has the Cheapest Auto Insurance for College Graduates in Chula Vista? (FAQ)
- Who Has Affordable Auto Insurance Rates for Drivers Over Age 70 in Chula Vista? (FAQ)
- Who Has Affordable Chula Vista Auto Insurance Quotes for a Toyota Corolla? (FAQ)
- Who Has Cheap Chula Vista Auto Insurance Quotes for Good Drivers? (FAQ)
- Auto Crash Statistics (Insurance Information Institute)
- Safety Belts FAQ (iihs.org)
- A Tree Fell on Your Car: Now What? (Allstate)