It’s easy to assume that auto insurance companies don’t want their customers to go rate shopping. Insureds who shop around for cheaper rates are highly likely to switch companies because they have a good chance of finding coverage at a cheaper rate. A recent study showed that consumers who routinely compared rates saved an average of $3,500 over four years compared to policyholders who don’t make a habit of comparing rates.
If finding the most affordable insurance is your objective, then having some insight into how to find and compare coverage rates can save money and time.
If you want to save the most money, the best way to find low-cost prices for Chrysler Aspen insurance in Chula Vista is to compare prices at least once a year from different companies who provide car insurance in California.
Step 1: Try to learn about how companies price auto insurance and the steps you can take to keep rates low. Many policy risk factors that cause high rates like traffic citations, accidents, and a negative credit rating can be eliminated by being financially responsible and driving safely. This article gives instructions to prevent expensive rate increases and get discounts that may be available to you.
Step 2: Request rate estimates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only provide price estimates from a single company like Progressive or Allstate, while independent agencies can provide price quotes from many different companies.
Step 3: Compare the price quotes to the price on your current policy and see if you can save money. If you find better rates, make sure there is no lapse between the expiration of your current policy and the new one.
Step 4: Provide notification to your current company to cancel your current policy. Submit payment along with a signed and completed policy application to the newly selected company. Immediately upon receiving it, place your new certificate verifying coverage in an accessible location in your vehicle.
A tip to remember is to compare similar limits and deductibles on each quote request and and to get prices from as many companies as possible. This helps ensure the most accurate price comparison and the most accurate and complete price analysis.
Choosing the best rates in Chula Vista is actually quite simple. If you already have coverage or are shopping for new coverage, you can use this information to find better prices and possibly find even better coverage. Comparison shoppers only need an understanding of the most efficient way to compare rate quotes online.
The quickest method to compare car insurance rates for Chrysler Aspen insurance in Chula Vista is to know the fact almost all companies provide online access to provide you with a free rate quote. To start a quote, the only thing you need to do is provide a small amount of information like whether the vehicles are used for commuting, your occupation, deductibles desired, and whether you are married. That information is then sent to multiple different insurance companies and they provide comparison quotes within a short period of time.
If you would like to start a quote now, click here and enter your zip code.
The companies shown below are ready to provide price comparisons in Chula Vista, CA. To find cheap auto insurance in Chula Vista, it’s highly recommended you visit two to three different companies to find the most competitive car insurance rates.
Save a ton with these ten discounts
Auto insurance companies do not list every possible discount very well, so the list below contains some of the best known and the more hidden savings tricks you should be using when you buy Chula Vista auto insurance online. If you do not check that you are getting every discount possible, you could be getting lower rates.
- Use Seat Belts – Drivers who always wear seat belts and also require passengers to buckle up may be able to save a few bucks on medical payment and PIP coverage.
- Discount for New Cars – Buying coverage on a new vehicle can be considerably cheaper since new vehicles are generally safer.
- Life Insurance Discount – Some companies give a break if you buy some life insurance in addition to your auto policy.
- Save over 55 – Seniors may be able to get a slight reduction on a Chula Vista auto insurance quote.
- Telematics Discount – Policyholders that allow driving data collection to spy on vehicle usage through the use of a telematics system such as In-Drive from State Farm or Allstate’s Drivewise system could save a few bucks as long as the data is positive.
- More Vehicles More Savings – Having multiple cars or trucks on one policy can reduce the rates for all insured vehicles.
- ABS Brakes – Cars and trucks that have anti-lock braking systems are safer to drive and earn discounts up to 10%.
- Multiple Policy Discount – If you can bundle your homeowners and auto insurance with one insurance company they may give you a discount of approximately 10% to 15%.
- Accident Free – Drivers with accident-free driving histories pay less as compared to drivers with a long claim history.
- Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can get savings up to 30%.
We need to note that most discount credits are not given to the entire policy premium. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. So when it seems like having all the discounts means you get insurance for free, you won’t be that lucky.
Some of the insurance companies that may have most of the discounts above may include but are not limited to:
If you need lower rates, check with each company or agent which credits you are entitled to. Some of the discounts discussed earlier might not be available to policyholders in Chula Vista.
Local Chula Vista insurance agencies
Certain consumers would rather sit down and talk to an agent and that is just fine! Agents can point out coverage gaps and help you file claims. One of the benefits of comparing insurance prices online is you can get lower car insurance rates but still work with a licensed agent.
For easy comparison, once you complete this simple form, your insurance coverage information is emailed to participating agents in Chula Vista that can provide free Chula Vista auto insurance quotes for your coverage. It’s much easier because you don’t need to search for an agent because quoted prices will be sent to you instantly. If you want to get a rate quote from a specific auto insurance provider, you can always go to their quote page to submit a rate quote request.
Choosing a insurer shouldn’t rely on just a cheap price. Any good agent in Chula Vista should know the answers to these questions.
- Do they have cheaper tiers of coverage?
- Do they prorate repair cost based on vehicle mileage?
- What company do they have the most business with?
- Does the agency have a positive business rating?
- Are they properly licensed to sell insurance in California?
- Will the agent help in case of a claim?
- Which companies do they recommend if they are an independent agency?
If you need to find a reliable agent, there are a couple of different types of agents and how they can write your policy. Auto insurance agencies may be either independent agents or exclusive agents depending on their employer. Either one can write auto insurance policies, but it’s worth mentioning the difference in how they write coverage since it can affect the kind of agent you use.
Exclusive Auto Insurance Agencies
Exclusive insurance agents have only one company to place business with like State Farm, AAA, and Liberty Mutual. These agents are unable to compare rates from other companies so you might not find the best rates. These agents are well schooled on their company’s products which can be an advantage.
Below are exclusive insurance agents in Chula Vista who can help you get price quotes.
Independent Agents (or Brokers)
These agents can sell policies from many different companies so they can insure your vehicles through many companies and get the cheapest rates. To move your coverage to a new company, they simply move the coverage in-house and you stay with the same agent.
When comparing auto insurance prices, you will want to include price quotes from at least one independent agent to maximize your price options.
Below is a list of independent insurance agents in Chula Vista that can give you rate quotes.
Hoffman Hanono Insurance Agency
2090 Otay Lakes Rd #102 – Chula Vista, CA 91915 – (619) 420-1861 – View Map
Robert Osorio Insurance
513 Windy Way – Chula Vista, CA 91914 – (619) 216-0991 – View Map
After getting answers to your satisfaction to any questions you may have as well as a affordable price, you may have just found an insurance agent that is reputable and can service your policy. Just keep in mind you can terminate your policy whenever you want so don’t assume that you are obligated to a specific agent with no way to switch.
Car insurance coverages 101
Having a good grasp of your policy aids in choosing the best coverages for your vehicles. Policy terminology can be confusing and nobody wants to actually read their policy. Below you’ll find the usual coverages found on the average car insurance policy.
Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.
Since many California drivers have only the minimum liability required by law (California limits are 15/30/5), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.
Liability car insurance
This coverage protects you from damages or injuries you inflict on a person or their property in an accident. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 15/30/5 that means you have a limit of $15,000 per injured person, a per accident bodily injury limit of $30,000, and a limit of $5,000 paid for damaged property.
Liability coverage pays for claims such as medical services, loss of income, repair bills for other people’s vehicles and repair costs for stationary objects. How much coverage you buy is a personal decision, but consider buying as large an amount as possible. California state law requires minimum liability limits of 15/30/5 but you should think about purchasing better liability coverage.
The next chart shows why the minimum limit may not provide adequate coverage.
Comprehensive or Other Than Collision
This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for claims such as damage from flooding, hitting a deer, a broken windshield and fire damage. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.
Medical costs insurance
Med pay and PIP coverage provide coverage for bills for X-ray expenses, EMT expenses, pain medications and surgery. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay
This covers damage to your Aspen resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.
Collision coverage protects against things like hitting a parking meter, backing into a parked car, colliding with another moving vehicle, driving through your garage door and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to increase the deductible on your Aspen to save money on collision insurance.
Smart consumers save more
As you go through the steps to switch your coverage, it’s not a good idea to skimp on coverage in order to save money. There are too many instances where an insured cut uninsured motorist or liability limits only to regret that it was a big error on their part. Your goal should be to buy a smart amount of coverage at the best cost, not the least amount of coverage.
Throughout this article, we presented some good ideas how you can reduce Chrysler Aspen insurance premium rates online in Chula Vista. The key thing to remember is the more times you quote, the better your comparison will be. Drivers may even discover the most savings is with some of the smallest insurance companies. Some small companies may often insure only within specific states and give better rates than their larger competitors like Progressive and GEICO.
More tips and info about auto insurance is available in the articles below:
- Side Impact Crash Tests (iihs.org)
- Who Has Affordable Car Insurance Quotes for Infrequent Drivers in Chula Vista? (FAQ)
- Who Has Affordable Chula Vista Auto Insurance Rates for a Ford Edge? (FAQ)
- Auto Theft Statistics (Insurance Information Institute)
- Eight Auto Insurance Myths (Insurance Information Institute)