It’s a fact that car insurance companies want to keep you from comparing rates. Consumers who shop for lower rates are highly likely to move their business because there are good odds of finding a lower rate. Remarkably, a study showed that drivers who routinely shopped around saved as much as $865 a year compared to policyholders who never compared other company’s rates.
If finding low prices for auto insurance is your ultimate goal, learning the best ways to find and compare coverages can save time, money, and frustration.
If your goal is the lowest price, then the best way to quote cheaper auto insurance rates is to make a habit of regularly comparing prices from providers in Chula Vista.
First, take a little time to learn about the coverage provided by your policy and the measures you can control to keep rates low. Many rating criteria that result in higher prices like getting speeding tickets and poor credit rating can be remedied by making minor changes to your lifestyle. Later in this article we will cover additional tips to help keep rates affordable and earn larger discounts.
Second, get rate quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can give quotes from one company like GEICO and Allstate, while agents who are independent can provide rate quotes for a wide range of insurance providers.
Third, compare the price quotes to the price on your current policy and see if you can save money. If you can save some money, make sure there is no lapse in coverage.
Fourth, provide adequate notice to your current company to cancel your current policy. Submit a completed application and payment to your new insurance company. Immediately upon receiving it, store the proof of insurance certificate along with the vehicle’s registration papers.
A good tip to remember is to try to use the same deductibles and limits on each price quote and to quote with as many companies as possible. This ensures a fair price comparison and a complete rate analysis.
The fastest way that we advise to get rate comparisons for Ford Fusion Hybrid insurance in Chula Vista is to take advantage of the fact car insurance companies provide online access to compare their rates. To begin a comparison, all you need to do is spend a couple of minutes providing details including driver details, if it has an anti-theft system, if a SR-22 is required, and coverage limits. The rating information gets sent immediately to many highly-rated insurers and you will receive price estimates very quickly.
To compare rates for your Ford Fusion Hybrid now, click here and complete the quick form.
The following companies provide price quotes in Chula Vista, CA. To get cheap car insurance in Chula Vista, CA, we recommend you visit two to three different companies to get the best price comparison.
Rates and statistics
The table shown below highlights different coverage prices for Ford Fusion Hybrid models. Having insight into how auto insurance policy rates are formulated can assist in making smart buying decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion Hybrid 4-Dr Sedan | $370 | $912 | $580 | $34 | $174 | $2,070 | $173 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Price estimates do not factor in vehicle location which can lower or raise premium rates significantly.
Physical damage deductibles: Should you raise them?
One of the most common auto insurance questions is which deductible level should you buy. The data tables below outline the differences in premium rates when you select higher and lower policy deductibles. The first pricing table uses a $250 physical damage coverage deductible and the second price grid uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion Hybrid 4-Dr Sedan | $386 | $780 | $552 | $32 | $166 | $1,941 | $162 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion Hybrid 4-Dr Sedan | $314 | $630 | $552 | $32 | $166 | $1,694 | $141 |
| 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 multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Rate quotes do not factor in vehicle location which can raise or lower premiums greatly.
Using the premium rates above, we can conclude that using a $250 deductible would cost the average driver about $21 more each month or $252 annually averaged for all Fusion Hybrid models than choosing the higher $500 deductible. Since you would pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you usually have more than 12 months between claims, you would save more money if you opt for a higher deductible.
The example below demonstrates how deductible levels and can raise or lower Ford Fusion Hybrid insurance rates for different age groups. The prices are based on a single female driver, full physical damage coverage, and no discounts are factored in.
Save money with these discounts on Ford Fusion Hybrid insurance in Chula Vista
Companies that sell car insurance don’t always list all their discounts in an easy-to-find place, so the following list contains some of the best known and the more hidden savings tricks you should be using when you buy Chula Vista car insurance online. If you are not receiving all the discounts you qualify for, you are just wasting money.
- Air Bag Discount – Vehicles equipped with air bags or automatic seat belts can qualify for discounts of more than 20%.
- Waiver for an Accident – This isn’t a discount exactly, but some companies like Liberty Mutual, Allstate and State Farm permit an accident before raising your premiums with the catch being you have to be claim-free for a set time period.
- Own a Home – Owning your own home or condo may trigger a policy discount on car insurance because maintaining a house means you have a higher level of financial diligence.
- Save over 55 – Mature drivers can get better car insurance rates.
- Seat Belt Discounts – Drivers who require all vehicle occupants to use their safety belts can save 10% or more on the premium charged for medical payments and/or PIP.
We need to note that most discounts do not apply to the entire policy premium. A few only apply to specific coverage prices like medical payments or collision. Despite the appearance that you could get a free car insurance policy, it doesn’t quite work that way. But any discount will bring down your policy premium.
The illustration below visualizes the comparison of Ford Fusion Hybrid auto insurance costs with and without discounts applied to the policy premium. The data assumes a male driver, no violations or accidents, California state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, multi-policy, claim-free, safe-driver, and homeowner discounts applied.
Insurance companies who might offer these money-saving discounts include:
Before you buy a policy, ask each insurance company which credits you are entitled to. Savings may not be offered in every state.
Why you need to buy car insurance
Despite the fact that car insurance is not cheap in Chula Vista, insurance is required in California but also provides important benefits.
- The majority of states have compulsory liability insurance requirements which means the state requires a minimum amount of liability 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 your vehicle has a loan, more than likely the lender will force you to have insurance to ensure loan repayment if the vehicle is totaled. If coverage lapses or is canceled, the lender may insure your Ford at an extremely high rate and require you to pay for the much more expensive policy.
- Car insurance preserves both your car and your personal assets. Insurance will also pay for all forms of medical expenses incurred in an accident. As part of your policy, liability insurance also pays expenses related to your legal defense if you cause an accident and are sued. If your vehicle suffers damage from an accident or hail, your policy will pay to repair the damage.
The benefits of carrying adequate insurance more than offset the price you pay, particularly when you have a large claim. Today the average American driver overpays as much as $869 every year so smart consumers compare quotes at every renewal to be sure current rates are still competitive.
When to contact an insurance agency
Many drivers just want to talk to a local agent and that is a personal choice. Professional insurance agents are trained risk managers and will help you if you have claims. One of the benefits of comparing auto insurance online is the fact that you can find cheap rate quotes but still work with a licensed agent.
By using this form (opens in new window), your information is submitted to companies in Chula Vista who will gladly provide quotes and help you find cheaper coverage. There is no reason to search for any insurance agencies since rate quotes are delivered instantly to you. If you want to compare rates from one company in particular, feel free to search and find their rate quote page and complete a quote there.
Finding a good provider is decision based upon more than just a cheap price. Any agent in Chula Vista should have no problem answering these questions:
- Can they give you a list of client referrals?
- Is the agent and/or agency licensed to do business in California?
- If you are a high risk driver, do they have special markets for your coverage?
- Does the agency have a positive business rating?
- If you raise deductibles, how much can you save?
- Will you work with the agent or an assistant?
If you are wanting to purchase auto insurance from a reputable agency, it’s helpful to know the types of insurance agents to choose from. Agencies in Chula Vista can be categorized as either independent (non-exclusive) or exclusive. Both types can insure your vehicles, but it’s important to know why they differ since it can affect the type of agent you choose.
Exclusive Auto Insurance Agents
Exclusive insurance agents can usually just insure with one company and examples are American Family, State Farm, and AAA. These agents are not able to give you multiple price quotes so they have no alternatives for high prices. Exclusive agents are trained well on sales techniques which can be an advantage. Some consumers prefer to buy from exclusive agents mainly due to the brand and the convenience of having all coverages with one company.
Shown below is a short list of exclusive insurance agents in Chula Vista willing to provide rate quotes.
- Bruce Anderson – State Farm Insurance Agent
871 Harold Pl #109 – Chula Vista, CA 91914 – (619) 422-3333 – View Map - Farmers Insurance – Charles Phillips
642 3rd Ave a – Chula Vista, CA 91910 – (619) 585-3484 – View Map - Allstate Insurance: Candy Raya
985 Broadway j – Chula Vista, CA 91911 – (619) 691-8111 – View Map
Independent Agents
These type of agents are normally appointed by many insurers so as a result can place your coverage with many different companies and help determine which has the cheapest rates. To move your coverage to a new company, they can switch companies in-house and the insured can keep the same agent.
When comparing rate quotes, you will definitely want to check rates from a few independent agents to have the best price comparison. Most have the option of insuring with smaller mutual companies which may provide better rates.
Below are Chula Vista independent insurance agencies that are able to give price quotes.
- Adriana’s Insurance Services
1090 3rd Ave #5 – Chula Vista, CA 91911 – (619) 591-1540 – View Map - Premier Insurance Services – Chula Vista, CA
1295 Broadway #209 – Chula Vista, CA 91911 – (619) 768-0161 – View Map - Fletes Insurance and Financial Services
2127 Olympic Pkwy #1006 – Chula Vista, CA 91915 – (619) 616-0037 – View Map
If you receive acceptable answers to these questions and an acceptable price quote, most likely you have located an insurance agent that can be trusted to insure your vehicles.