Would you prefer to buy the cheapest Chevy Uplander insurance in San Diego? Do you get overwhelmed by the crazy number of auto insurance companies that you can choose from? You’re not alone. You have so many choices that it can really be a burden to locate the lowest rates for Chevy Uplander insurance in San Diego. Everyone knows that San Diego is a wonderful place to live, but inflated auto insurance prices can make it hard to afford coverage.
A recent auto insurance study revealed that most consumers have remained with the same auto insurance company for a minimum of four years, and 38% of drivers have never compared rates with other companies. Drivers in California could save an average of about $469 each year by just comparing rate quotes, but most undervalue the actual amount they would save if they switched.
The are a couple different ways to compare rate quotes from many different California insurance companies. The simplest method to find affordable Chevy Uplander insurance rates involves getting comparison quotes online.
When quoting insurance, remember that comparing more prices will enable you to find a lower rate. Some companies don’t provide online San Diego Uplander insurance quotes, so it’s important to also get prices from them as well.
The companies shown below can provide comparison quotes in San Diego, CA. If multiple companies are shown, we recommend you compare several of them to get the lowest price.
Auto insurance policy discounts for Chevy Uplander insurance in San Diego
Auto insurance is not cheap nor is it fun to buy but there could be significant discounts that you may not know about. A few discounts will automatically apply when you complete an application, but some may not be applied and must be specifically requested prior to getting the savings.
- Discount for Swiching Early – A few auto insurance companies give discounts for buying a policy before your current expiration date. This discount can save up to 10%.
- Auto/Home Discount – When you combine your homeowners and auto insurance with one insurance company they may give you a discount of at least 10 to 15 percent or more.
- No Accidents – Good drivers with no accidents have much lower rates compared to insureds who have frequent claims or accidents.
- Theft Deterrent System – Cars equipped with anti-theft or alarm systems are stolen less frequently and that can save you a little bit as well.
- Accident Forgiveness Coverage – Not a discount per se, but companies like GEICO and Allstate will allow you to have one accident without raising rates if your claims history is clear for a set time period.
- Good Student Discount – This discount can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.
Keep in mind that most discounts do not apply to all coverage premiums. Most cut the cost of specific coverages such as comp or med pay. So even though you would think all the discounts add up to a free policy, that’s just not realistic.
To find auto insurance companies who offer discounts in San Diego, follow this link.
Insurance is not optional but you don’t have to overpay
Despite the potentially high cost of Chevy Uplander insurance, insuring your vehicle may be mandatory for several reasons.
First, most states have minimum mandated liability insurance limits which means it is punishable by state law to not carry specific limits of liability protection in order to be legal. 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 you took out a loan on your Chevy Uplander, it’s most likely the lender will make it mandatory that you have full coverage to guarantee loan repayment. If the policy lapses, the bank may buy a policy for your Chevy at a much higher premium rate and require you to fork over a much higher amount than you were paying before.
Third, insurance preserves not only your Chevy Uplander but also your assets. It will also reimburse you for most medical and hospital costs for you, any passengers, and anyone injured in an accident. As part of your policy, liability insurance also covers all legal expenses up to the policy limit if you are named as a defendant in an auto accident. If you have damage to your Chevy as the result of the weather or an accident, collision and comprehensive (also known as other-than-collision) coverage will cover the damage repairs after a deductible is paid.
The benefits of carrying adequate insurance greatly outweigh the cost, especially for larger claims. Unknowingly, the average driver overpays more than $825 a year so shop around once a year at a minimum to ensure rates are competitive.
When should I discuss my situation with an agent?
When quoting and choosing coverage for your vehicles, there isn’t really a cookie cutter policy. Every situation is different and your policy should reflect that.
For instance, these questions can aid in determining if your insurance needs will benefit from professional help.
- Is my camper covered by my car insurance policy?
- What does UM/UIM cover?
- If my car is totalled with they pay enough to replace it?
- Do I need an umbrella policy?
- Why am I required to buy liability insurance?
- Am I covered while delivering pizza?
- I have health insurance so do I need medical payments coverage?
- Can I drive in Mexico and have coverage?
- Is other people’s property covered if stolen from my vehicle?
- What if an uninsured driver hits me?
If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier
Can’t I compare prices from local San Diego auto insurance agents?
A small number of people just prefer to get advice from a local agent. A good thing about getting free rate quotes online is you may find cheaper premium rates but also keep your business local. Buying from small agencies is still important in San Diego.
To find an agent, once you fill out this short form, your insurance coverage information is sent to agents in your area who will give you quotes to get your business. It simplifies rate comparisons since you won’t have to even leave your home since price quotes are sent to you. You can find better rates and a licensed agent to work with. If you need to compare rates from a specific insurance company, feel free to search and find their rate quote page and fill out their quote form.
Pick the best car insurance agent in San Diego for you
When finding a good San Diego insurance agent, there are a couple of different agency structures that you can select. Car insurance agencies can be described as either independent (non-exclusive) or exclusive.
Independent Car Insurance Agents (or Brokers)
These type of agents are not limited to a single company so they can write business with any number of different companies enabling the ability to shop coverage around. If your premiums go up, the agent simply finds a different carrier which makes it simple for you. If you are comparing rate quotes, we recommend you compare prices from independent agents to have the most options to choose from. A lot of them also have access to smaller companies that can offer cheaper rates than bigger companies.
Shown below is a partial list of independent insurance agencies in San Diego that may be able to give free rate quotes.
- Oversea Insurance Agency, Inc
1274 Scott St – San Diego, CA 92106 – (800) 266-2662 – View Map
- Einhorn Insurance
3940 Hancock St – San Diego, CA 92110 – (858) 336-4644 – View Map
- Leavitt Group – Leavitt Insurance Agency of San Diego
3636 Nobel Dr #100 – San Diego, CA 92122 – (858) 436-2441 – View Map
Exclusive Insurance Agencies
Agents that elect to be exclusive generally can only insure with one company and some examples include Farmers Insurance, American Family, State Farm and Allstate. Exclusive agents cannot compare other company’s rates so you need to shop around if the rates are high. Exclusive agents are usually quite knowledgeable on what they offer and that enables them to sell even at higher rates. Consumers frequently use the same agent mostly because of high brand loyalty rather than low price.
Shown below are exclusive agencies in San Diego that are able to give price quotes.
- Lazaro Neto – State Farm Insurance Agent
4444 El Cajon Blvd #13 – San Diego, CA 92115 – (619) 229-6799 – View Map
- Dave Murphy – State Farm Insurance Agent
12121 Scripps Summit Dr Ste 100 – San Diego, CA 92131 – (858) 621-6681 – View Map
- David Hiser – State Farm Insurance Agent
910 Grand Ave #205 – San Diego, CA 92109 – (858) 272-2343 – View Map
Finding the right auto insurance agent needs to be determined by more than just a cheap price. Ask your prospective agent these questions:
- Is the coverage adequate for your vehicle?
- Are there any discounts for paying up front?
- Do you need full coverage on every vehicle?
- How are claims handled?
- Are they primarily personal or commercial lines agents in San Diego?
- What companies can they write with?
After talking to the agent and getting answers to your satisfaction as well as a affordable price, it’s a good possibility that you have found an auto insurance agent that can adequately provide car insurance. Just be aware that once you purchase a policy you can cancel your policy whenever you choose to so don’t feel you are locked into a specific agent indefinitely.