Want to learn the secrets to finding more competitive Suzuki Grand Vitara insurance in Chula Vista? If you are new to online price comparisons, chances are good that you are overwhelmed by the large number of local and online companies who claim to have the best car insurance rates.
Steps to buying low-cost Suzuki Grand Vitara insurance in Chula Vista
The most effective way to find low-cost Suzuki Grand Vitara insurance in Chula Vista is to compare prices annually from insurance carriers that insure vehicles in California. Price quotes can be compared by following these guidelines.
- Try to learn about the different coverages in a policy and the changes you can make to prevent high rates. Many things that are responsible for high rates such as traffic citations, accidents, and a less-than-favorable credit rating can be controlled by making small lifestyle or driving habit changes. Keep reading for ideas to find cheap prices and find overlooked discounts.
- Request price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can give quotes from a single company like Progressive and State Farm, while independent agents can quote prices from multiple companies. View prices
- Compare the new rates to your existing rates and determine if there is any savings. If you find better rates and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Provide notification to your current company of your intent to cancel your existing policy. Submit the required down payment along with the signed application for your new coverage. As soon as you can, safely store the certificate verifying proof of insurance in your vehicle.
A crucial key to this process is to try to use the same amount of coverage on each price quote and and to get rates from every company you can. This provides the most accurate price comparison and plenty of rates choose from.
It’s an obvious statement that car insurance companies want to keep you from comparing rates. Drivers who get price comparisons are likely to switch car insurance companies because of the high probability of finding a more affordable policy premium. A study showed that drivers who compared rates annually saved over $3,400 over four years compared to other drivers who don’t regularly compare prices.
If finding the best price on insurance in Chula Vista is your ultimate target, then learning about how to get price quotes and compare coverages can help you succeed in finding affordable rates.
It’s a great practice to compare rates every six months because insurance prices trend upward over time. If you had the best quotes on Suzuki Grand Vitara insurance in Chula Vista six months ago you can probably find a better rate now. Forget anything you know (or think you know) about car insurance because I’m going to teach you the fastest and easiest way to reduce your cost while increasing coverage.
Auto insurance discounts help lower rates for Suzuki Grand Vitara insurance in Chula Vista
Companies offering auto insurance don’t always list the complete list of policy discounts very well, so we took the time to find both the well known and also the more inconspicuous credits that may apply to you.
- Onboard Data Collection – Insureds who allow their company to analyze vehicle usage remotely like In-Drive from State Farm and Progressive’s Snapshot could see a rate decrease if they are good drivers.
- Anti-lock Brake System – Vehicles that have anti-lock braking systems can reduce accidents and the ABS can save up to 10%.
- Policy Bundle Discount – If you can combine your home and auto policy with one company you could get a discount of at least 10% off all policies.
- No Claim Discounts – Good drivers with no accidents have much lower rates in comparison with accident-prone drivers.
- Seat Belt Usage – Drivers who require all vehicle occupants to use a seat belt can save a little on the medical payments or PIP coverage costs.
- Senior Citizen Rates – If you qualify as a senior citizen, you could receive a small decrease in premiums.
- Save with a New Car – Putting coverage on a new Grand Vitara can be considerably cheaper since newer vehicles are generally safer.
- Discount for Swiching Early – Some companies provide a discount for buying a policy prior to your current Grand Vitara insurance policy expiring. Ten percent is about the average savings.
You can save money using discounts, but most of the big mark downs will not be given to the whole policy. A few only apply to 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, nobody gets a free ride.
The chart below illustrates the difference between Suzuki Grand Vitara insurance costs with and without some available policy discounts. The premiums assume a male driver, a clean driving record, no claims, California state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, claim-free, safe-driver, homeowner, and multi-policy discounts applied.
A list of auto insurance companies and some of the discounts are included below.
- Progressive offers discounts for online quote discount, multi-policy, homeowner, online signing, and good student.
- MetLife discounts include claim-free, accident-free, defensive driver, multi-policy, good student, and good driver.
- Mercury Insurance has discounts for anti-theft, professional/association, multi-policy, good driver, type of vehicle, and multi-car.
- Nationwide may have discounts that include anti-theft, defensive driving, Farm Bureau membership, multi-policy, and accident-free.
- GEICO policyholders can earn discounts including good student, federal employee, five-year accident-free, air bags, and membership and employees.
- AAA has savings for education and occupation, multi-car, multi-policy, AAA membership discount, anti-theft, and pay-in-full.
Before buying, ask every insurance company which credits you are entitled to. Depending on the company, some discounts might not be offered on policies in Chula Vista. To see a list of auto insurance companies offering auto insurance discounts in California, follow this link.
All the larger car insurance companies allow you to get pricing directly from their websites. Doing online price comparisons for Suzuki Grand Vitara insurance in Chula Vista is quite simple as you simply type in your coverage preferences into a form. After you submit the form their rating system makes automated requests for your credit score and driving record and returns a price quote.
Getting online rate quotes for Suzuki Grand Vitara insurance in Chula Vista makes it easy to compare insurance prices and it’s necessary to have as many quotes as possible if you want to find a better rate.
If you want to compare rates using this form now, visit the companies below or click here to submit a quote request to multiple companies at once. If you have a policy now, it’s recommended you replicate the coverage information identical to your current policy. This guarantees you will have comparison quotes based on similar coverages.
The following companies are our best choices to provide comparison quotes in Chula Vista, CA. In order to find the cheapest auto insurance in California, we recommend you visit as many as you can to get a more complete price comparison.
Suzuki Grand Vitara insurance rates and statistics
The data table below outlines a range of insurance costs for Suzuki Grand Vitara models. Being aware of how insurance policy rates are formulated can help you make smart buying decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Grand Vitara 2WD | $204 | $354 | $464 | $28 | $138 | $1,188 | $99 |
| Grand Vitara Premium 2WD | $204 | $418 | $464 | $28 | $138 | $1,252 | $104 |
| Grand Vitara Premium 4WD | $204 | $418 | $464 | $28 | $138 | $1,252 | $104 |
| Grand Vitara Limited 2WD | $204 | $418 | $464 | $28 | $138 | $1,252 | $104 |
| Grand Vitara Special Edition 4WD | $204 | $418 | $464 | $28 | $138 | $1,252 | $104 |
| Grand Vitara XSport 2WD | $204 | $418 | $464 | $28 | $138 | $1,252 | $104 |
| Grand Vitara Limited 4WD | $228 | $418 | $464 | $28 | $138 | $1,276 | $106 |
| Grand Vitara XSport 4WD | $228 | $418 | $464 | $28 | $138 | $1,276 | $106 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Information does not factor in Chula Vista location which can affect price quotes greatly.
Physical damage deductible comparison
One of the more difficult decisions when buying auto insurance is which deductible level should you buy. The comparison tables below can help illustrate the differences in price when you buy lower versus higher comp and collision deductibles. The first rate quote example uses a $100 deductible for comprehensive and collision coverage and the second rate table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Grand Vitara 2WD | $430 | $686 | $442 | $26 | $132 | $1,741 | $145 |
| Grand Vitara Premium 2WD | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
| Grand Vitara Premium 4WD | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
| Grand Vitara Limited 2WD | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
| Grand Vitara Special Edition 4WD | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
| Grand Vitara XSport 2WD | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
| Grand Vitara Limited 4WD | $478 | $810 | $442 | $26 | $132 | $1,913 | $159 |
| Grand Vitara XSport 4WD | $478 | $810 | $442 | $26 | $132 | $1,913 | $159 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Grand Vitara 2WD | $314 | $464 | $442 | $26 | $132 | $1,378 | $115 |
| Grand Vitara Premium 2WD | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| Grand Vitara Premium 4WD | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| Grand Vitara Limited 2WD | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| Grand Vitara Special Edition 4WD | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| Grand Vitara XSport 2WD | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| Grand Vitara Limited 4WD | $348 | $546 | $442 | $26 | $132 | $1,494 | $125 |
| Grand Vitara XSport 4WD | $348 | $546 | $442 | $26 | $132 | $1,494 | $125 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Rates do not factor in specific location which can increase or decrease prices considerably.
Using the data above, we can ascertain that using a $100 deductible will cost you approximately $33 more each month or $396 every year averaged for all Grand Vitara models than opting for the higher $500 deductible. Because you would be required to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you have at a minimum 12 months between claims, you would probably come out ahead if you opt for a higher deductible.
Rate comparison of male drivers versus female drivers
The diagram below illustrates the difference between Suzuki Grand Vitara insurance rates for male and female drivers. The premiums are based on a clean driving record, no claims, full coverage, $250 deductibles, single marital status, and no discounts are factored in.
When should I discuss my situation with an agent?
Always remember that when buying coverage online or from an agent, there isn’t really a perfect coverage plan. Your needs are unique to you and your policy should reflect that.
These are some specific questions could help you determine whether or not you would benefit from an agent’s advice.
- What does PIP insurance cover?
- Does my insurance cover damage caused when ticketed for reckless driving?
- Which is better, split liability limits or combined limits?
- What is an SR-22 filing?
- Is pet coverage available?
- What companies insure drivers after a DUI or DWI?
- Should I buy more coverage than the required California minimum liability coverage?
If you don’t know the answers to these questions, you may need to chat with a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier
Can’t I compare rates from local Chula Vista auto insurance agents?
Certain consumers would rather get advice from a local agent and that is OK! One of the benefits of getting free rate quotes online is you may find lower prices but also keep your business local.
Once you complete this quick form, your insurance data gets sent to companies in Chula Vista who will give you quotes for your insurance coverage. You won’t even need to do any legwork because quoted prices will be sent directly to you. You can get cheaper insurance rates and an insurance agent to talk to. In the event you want to get a price quote from a specific insurance company, you would need to navigate to their website to submit a rate quote request.
Finding the right insurer shouldn’t rely on just the quoted price. Here are some questions you might want to ask.
- Which company do they place the most coverage with?
- Will high miles depreciate repair valuations?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Do they have designations such as AIC, CPCU, or CIC?
- How experienced are they in personal risk management?
- Is the agency active in community causes in Chula Vista?
When narrowing the list to find a local Chula Vista insurance agency, you should know the different agency structures and how they differ in how they can insure your vehicles. Insurance agents in Chula Vista are classified as either independent agents or exclusive agents depending on their employer.
Exclusive Insurance Agents
These type of agents can usually just insure with one company and some examples include State Farm, AAA, and Liberty Mutual. These agents are unable to provide rate quotes from other companies so you might not find the best rates. Exclusive agents are usually well trained on their products and sales techniques which helps offset the inability to provide other markets. Consumers frequently choose to use a exclusive agent primarily because of loyalty to the company and the convenience of having all coverages with one company.
The following are exclusive insurance agents in Chula Vista that can give you comparison quotes.
- Allstate Insurance: Alfredo Contreras
2318 Proctor Valley Rd #102 – Chula Vista, CA 91914 – (619) 505-2040 – View Map - Allstate Insurance: Barry L. St. Onge
651 3rd Ave a – Chula Vista, CA 91910 – (619) 426-7885 – View Map - Farmers Insurance – Vanessa Coffeen Mcevoy
569 3rd Ave #104 – Chula Vista, CA 91910 – (619) 422-9223 – View Map
Independent Insurance Agents
These type of agents are not restricted to one company so they can insure your vehicles with multiple insurance companies and find the cheapest insurance rates. If premiums increase, your policy is moved internally and you stay with the same agent.
If you are comparing insurance prices, we recommend you get several quotes from a couple of independent agencies so that you have a good selection of quotes to compare. Most can insure with smaller companies which may have better rates.
Shown below is a short list of independent agencies in Chula Vista that are able to give price quotes.
- American Tri-Star Insurance Services
401 H St #10 – Chula Vista, CA 91910 – (619) 827-0522 – View Map - Applied General Agency / Jake Widmer Insurance
1873 Marquette Rd – Chula Vista, CA 91913 – (619) 852-1013 – View Map - Eastlake Insurance Services
884 Eastlake Pkwy # 1626 – Chula Vista, CA 91914 – (619) 216-6100 – View Map
Ratings for California car insurance companies
Choosing the top auto insurance company can be a challenge considering how many choices there are in California. The ranking data listed below could help you analyze which insurers to look at putting your business with.
Top 10 Chula Vista Car Insurance Companies Ranked by Claims Service
- AAA of Southern California
- State Farm
- Esurance
- AAA Insurance
- Progressive
- Liberty Mutual
- GEICO
- Allstate
- Titan Insurance
- The Hartford
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%
Be persistent to save money
As you prepare to switch companies, don’t be tempted to reduce needed coverages to save money. In too many instances, an insured cut collision coverage and learned later that it was a big mistake. The ultimate goal is to buy enough coverage at the best cost while not skimping on critical coverages.
Some companies may not have rates over the internet and many times these regional carriers only sell through local independent agents. Budget-conscious Suzuki Grand Vitara insurance can be found from both online companies as well as from insurance agents, so compare prices from both in order to have the best chance of saving money.
Throughout this article, we presented some good ideas how to find lower-cost Suzuki Grand Vitara insurance in Chula Vista. The most important thing to understand is the more rate quotes you have, the higher your chance of finding cheaper Chula Vista car insurance quotes. Consumers may even find the lowest priced car insurance comes from a small mutual company. Smaller companies often have lower rates on specific markets than the large multi-state companies such as Allstate and Progressive.
Steps to finding lower priced Suzuki Grand Vitara insurance in Chula Vista
It takes a few minutes, but the best way to get budget Suzuki Grand Vitara insurance in Chula Vista is to regularly compare quotes from different companies who sell auto insurance in California.
- First, take a little time to learn about how your policy works and the things you can change to prevent expensive coverage. Many policy risk factors that drive up the price like at-fault accidents, careless driving, and a low credit rating can be remedied by paying attention to minor details.
- Second, compare price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give prices from one company like Progressive and State Farm, while agents who are independent can give you price quotes from multiple insurance companies. Find a Chula Vista insurance agent
- Third, compare the new quotes to the price on your current policy to see if you can save by switching companies. If you can save money and change companies, ensure coverage does not lapse between policies.
- Fourth, give notification to your current company of your decision to cancel your current coverage. Submit a down payment and signed policy application to the new company. Once the paperwork is finalized, keep your new certificate verifying coverage in an accessible location in your vehicle.
A valuable tip to remember is that you’ll want to make sure you compare the same level of coverage on every quote and and to get price estimates from all possible companies. Doing this guarantees a fair price comparison and a complete price analysis.
More resources
- Coverage Information (Progressive Insurance)
- Who Has Cheap Car Insurance Rates for Low Credit Scores in Chula Vista? (FAQ)
- Who Has the Cheapest Auto Insurance for College Graduates in Chula Vista? (FAQ)
- How Much is Chula Vista Auto Insurance for a Dodge Ram? (FAQ)
- Who Has Affordable Auto Insurance Rates for Drivers Over Age 70 in Chula Vista? (FAQ)
- How Much are Car Insurance Quotes for Homeowners in Chula Vista? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for a Company Car in Chula Vista? (FAQ)
- Who Has Affordable Car Insurance Rates for a Ford Fusion in Chula Vista? (FAQ)
- Who Has Affordable Chula Vista Auto Insurance Quotes for a Toyota Corolla? (FAQ)
- How Much is Auto Insurance for a Jeep Grand Cherokee in Chula Vista? (FAQ)
- Keeping Children Safe in Crashes Video (iihs.org)
- Comprehensive Coverage (Liberty Mutual)
- Senior Drivers (Insurance Information Institute)