Have you fallen victim to an overpriced car insurance policy? Trust us when we tell you you’re not alone.
Companies like State Farm, Farmers Insurance, GEICO and Allstate continually hit you with advertising and it is challenging if not impossible to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.
Companies that sell car insurance don’t always publicize all available discounts in an easy-to-find place, so we took the time to find some of the best known and also the lesser-known savings tricks you should be using.
It’s important to note that most credits do not apply to your bottom line cost. Some only reduce individual premiums such as liability, collision or medical payments. Just because it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way.
To see a list of providers who offer car insurance discounts in Chula Vista, follow this link.
Most companies provide coverage price quotes directly from their websites. Obtaining pricing is fairly straightforward as you simply enter the coverages you want as detailed in the form. After you complete the form, their system will obtain your driving record and credit report and provides a quote determined by many factors. This simplifies rate comparisons, but having to visit different websites and fill out multiple forms can be a bit repetitive. But it is imperative to perform this step if you want to find the lowest car insurance rates.
The smarter way to locate the lowest prices makes use of a single form that obtains quotes from a lot of companies. It’s a real time-saver, eliminates repetitive work, and makes online quotes much more enjoyable. As soon as you send your information, it gets priced and you can select any of the quotes that you receive. If you find a better price you simply finish the application and purchase the new policy. The entire process just takes a couple of minutes and may save quite a bit of money.
To compare rates now, click here to open in a new tab and enter your vehicle and coverage information. To compare your current rates, we recommend you duplicate deductibles and limits exactly as shown on your declarations page. This way, you are getting an apples-to-apples comparison based on identical coverages.
It’s important that you understand some of the elements that come into play when calculating car insurance rates. Understanding what impacts premium levels allows you to make educated decisions that will entitle you to big savings.
The list below includes a partial list of the pieces companies use to determine prices.
Some consumers would prefer to buy from a local agent. The best thing about comparing rates online is that you can obtain better rates and still have an agent to talk to.
For easy comparison, once you complete this short form, the coverage information is submitted to local insurance agents in Chula Vista who will return price quotes for your business. There is no reason to visit any agencies since price quotes are sent to your email. Now that’s easy! Get lower rates and a licensed agent to work with.
Choosing an insurer needs to be determined by more than just a low price. Agents should be asked these questions:
When finding a local agent, you must know there are a couple different agency structures that differ in how they can insure your vehicles. Agents are either captive or independent (non-captive).
Captive agents write business for a single company such as Allstate, State Farm and Farmers Insurance. Captives cannot provide prices from multiple companies so it’s a take it or leave it situation. Captive agents receive extensive training on their company’s products and that can be a competitive advantage.
The following is a list of captive insurance agencies in Chula Vista that can give you rate quotes.
Allstate Insurance – 1458 Melrose Ave – Chula Vista, CA 91911 – (619) 409-1760
Farmers Insurance Group – 1165 3rd Ave – Chula Vista, CA 91911 – (619) 409-5055
Independent agencies are not required to write business for one company so they have the ability to put coverage amongst many companies and possibly get better coverage at lower prices. If your agent finds better pricing, the agent simply finds a different carrier without you having to go to a different agency. When searching for an agent, it’s a good idea to include at a minimum one independent agency for the best price selection.
The following are Chula Vista independent agents who can help you get price quotes.
Johnson Amos Jr Agency – 815 3rd Ave – Chula Vista, CA 91911 – (619) 420-3713
Garrison Insurance Inc – 26 3rd Ave # 260 – Chula Vista, CA 91910 – (619) 591-0101
Millan Insurance Brokerage – 1096 Broadway # 204 – Chula Vista, CA 91911 – (619) 425-9815
To view a complete directory of licensed insurance agents in Chula Vista, simply jump to this page.
After getting acceptable answers to any questions you have and locked in a price quote, chances are good that you have found an insurance agency that is a good match to provide car insurance coverage.
As you shop your coverage around, do not buy poor coverage just to save money. In many cases, an insured dropped liability coverage limits and found out when filing a claim that it was a big mistake. The aim is to purchase a proper amount of coverage at an affordable rate while still protecting your assets.
Low-cost car insurance is definitely available online as well as from independent agents in Chula Vista, and you need to comparison shop both in order to have the best price selection to choose from. Some car insurance companies don’t offer the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.
Additional detailed information is located at the California Department of Insurance website. California drivers can read enforcement actions against agents and companies, read consumer alerts, and find out which companies have the most complaints.