Are you researching low-cost Chevy Camaro insurance in San Diego? Scraping up a payment for high-priced Chevrolet Camaro insurance in San Diego can empty your personal savings and put a big crunch on your finances. Comparing rate quotes can lower your rates and help to make ends meet.
Astonishing but true, the vast majority of drivers kept buying from the same company for at least four years, and practically 40% of insurance customers have never compared rate quotes at all. American drivers could save an average of $860 each year just by getting comparison quotes, but they don’t invest the time required to compare other rate quotes. Insurance companies such as GEICO and Progressive promote their brand names with ads 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.
The car insurance companies shown below provide free quotes in San Diego, CA. If several companies are displayed, we recommend you visit two to three different companies in order to find the most competitive rates.
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Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Information does not factor in zip code location which can impact coverage rates noticeably.
Rate comparison for different deductibles
The diagram below illustrates how your deductible choice and can influence Chevrolet Camaro premium costs for different categories of driver ages. The prices are based on a married female driver, comprehensive and collision coverage, and no other discounts are factored in.
Companies offer money-saving discounts on Chevy Camaro insurance in San Diego
Not too many consumers would say car insurance is affordable, but you might find some hidden discounts that can help lower your rates. Some trigger automatically when you purchase, but occasionally some discounts must be specially asked for before you will receive the discount.
- Clubs and Organizations – Being in a civic or occupational organization in San Diego could qualify you for a break on car insurance.
- Discount for Life Insurance – Car insurance companies who offer life insurance give a lower price if you buy life insurance from them.
- Drive Safe and Save – Safe drivers can save up to 40% or more on their San Diego auto insurance quote compared to accident prone drivers.
- Policy Bundle Discount – If you can bundle your home and auto insurance with the same insurance company you could get a discount of 10% to 20% off each policy.
- Theft Deterrent System – Cars and trucks equipped with tracking devices and advanced anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
Policy discounts save money, but most of the big mark downs will not be given to the whole policy. Most only cut the price of certain insurance coverages like collision or personal injury protection. So even though you would think all those discounts means the company will pay you, it just doesn’t work that way.
A few of the larger companies and a summarized list of policyholder discounts are shown below.
- GEICO has savings for good student, five-year accident-free, air bags, emergency military deployment, multi-policy, and anti-theft.
- MetLife offers premium reductions for accident-free, good driver, good student, multi-policy, defensive driver, claim-free
- Progressive may include discounts for online signing, multi-policy, continuous coverage, online quote discount, good student, and homeowner.
- Travelers may have discounts that include IntelliDrive, new car, driver training, multi-car, payment discounts, and home ownership.
- SAFECO includes discounts for drive less, accident prevention training, teen safety rewards, multi-car, and bundle discounts.
- AAA offers discounts for good driver, multi-policy, education and occupation, anti-theft, pay-in-full, good student, and multi-car.
It’s a good idea to ask all the companies which discounts can lower your rates. Some of the discounts discussed earlier may not be offered in San Diego. To find insurance companies that have a full spectrum of discounts in California, click this link.
Here’s why auto insurance is not optional
Even though San Diego Camaro insurance rates can get expensive, insuring your vehicle is most likely required but also gives you several important benefits.
First, just about all states have minimum liability requirements which means you are required to buy specific limits of liability insurance coverage in order to drive the car. 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 have a lien on your car, it’s guaranteed your bank will force you to buy insurance to guarantee their interest in the vehicle. If you let the policy lapse, the bank may insure your Chevy at a much higher premium rate and require you to reimburse them for the expensive policy.
Third, auto insurance protects not only your car but also your assets. It also can pay for medical expenses for both you and anyone you injure as the result of an accident. One policy coverage, liability insurance, also covers all legal expenses up to the policy limit if you cause an accident and are sued. If your vehicle suffers damage from an accident or hail, comprehensive and/or collision insurance will pay all costs to repair after the deductible has been paid.
The benefits of insuring your Camaro more than cancel out the cost, especially when you need to use it. But the average American driver is currently overpaying as much as $850 per year so it’s very important to do a rate comparison at least once a year to ensure rates are competitive.
Local San Diego insurance agencies
Many drivers prefer to go talk to an agent and doing that can be a smart decision Experienced insurance agents can point out coverage gaps and help submit paperwork. A good thing about comparing car insurance online is the fact that you can find the best rates and still have a local agent. Buying from and supporting local insurance agencies is still important in San Diego.
After filling out this form (opens in new window), your insurance data is sent to local insurance agents in San Diego who will return price quotes to get your business. There is no need to contact an agency since rate quotes are delivered straight to your inbox. If you wish to compare rates for a specific company, don’t hesitate to jump over to their website and submit a quote form there.
If you want local San Diego agents, you must know there are a couple different types of agents and how they are slightly different. Car insurance agencies can either be independent (non-exclusive) or exclusive. Both types can write car insurance policies, but it’s a good idea to understand the difference in how they write coverage because it may have an impact on the type of agent you choose.
Independent Insurance Agents
Independent agencies are appointed with more than one company so as a result can place your coverage with multiple insurance companies enabling the ability to shop coverage around. To move your coverage to a new company, your agent can just switch to a different company and you don’t have to do anything. If you are comparing car insurance prices, you definitely need to get rate quotes from several independent agencies to get the most accurate price comparison.
Listed below is a short list of independent agents in San Diego who may provide rate quotes.
Nationwide Insurance: Keith Jackson Insurance Agency Inc
1081 Camino del Rio S Ste 210 – San Diego, CA 92108 – (916) 742-6995 – View Map
Exclusive Car Insurance Agents
Agents that elect to be exclusive can only write with one company and some examples include Farmers Insurance, Allstate, or State Farm. These agents are not able to provide other company’s prices so they really need to provide good service. These agents are well schooled on sales techniques which aids in selling service over price.
Listed below are exclusive insurance agents in San Diego who can help you get price quotes.
Picking an insurance agency should depend on more than just the quoted price. Here are some questions you might want to ask.
- Does the agent help file claims?
- Are aftermarket or OEM parts used to repair vehicles?
- What company do they have the most business with?
- How is replacement cost determined on your vehicle?
- What are the financial ratings for the companies they represent?
Upon getting positive responses to any questions you have as well as a price you’re happy with, you have narrowed it down to an insurance agent that will properly insure your vehicles.