Want to know an easy way to compare low-cost car insurance rates in San Diego, CA? San Diego shoppers have lots of choices when shopping for affordable Chevy Classic insurance. They can either waste time contacting agents getting price quotes or save time using the internet to find the lowest rates.
There is a better way to compare car insurance rates and we’ll show you the quickest way to price shop coverage for your Chevy and locate the best price possible from San Diego insurance agents and online providers.
A recent car insurance study discovered that about 70% of customers kept their policy with the same company for at least the last four years, and 38% of drivers have never even compared rates from other companies. With the average premium in California being $1,387, drivers can save hundreds of dollars each year just by comparing rates, but most undervalue the benefits if they switched to a cheaper policy.
It’s a good habit to take a look at other company’s rates on a regular basis since insurance rates trend upward over time. Despite the fact that you may have had the lowest rate on Chevy Classic insurance in San Diego a year ago you can probably find a better price now. Forget all the misinformation about car insurance because I’m going to teach you how to quote online to find better rates and still maintain coverage.
Companies offering Chevy Classic insurance in San Diego
The car insurance companies shown below provide comparison quotes in San Diego, CA. If multiple companies are shown, we suggest you click on several of them in order to find the cheapest rates.
Verify you’re receiving every discount
Insurance can be pricey, but you may qualify for discounts that many people don’t even know exist. Certain reductions will be credited at quote time, but once in a while a discount must be asked about prior to receiving the credit.
- Theft Prevention Discount – Vehicles that have factory anti-theft systems have a lower chance of being stolen and will qualify for a discount on a San Diego auto insurance quote.
- Multi-line Discount – Not all insurance companies offer life insurance, but some may give you a break if you buy some life insurance in addition to your auto policy.
- Multiple Cars – Insuring multiple cars or trucks on the same insurance policy can reduce rates for all insured vehicles.
- Accident Forgiveness – This one is not really a discount per se, but companies like State Farm and Allstate will allow you to have one accident before raising your premiums so long as you are claim-free for a certain period of time.
- Student Driver Training – Require your teen driver to successfully complete driver’s ed class if offered at their school.
- Distant Student Discount – Youth drivers who live away from home to go to college and do not have access to a covered vehicle can receive lower rates.
- No Claims – San Diego drivers who stay claim-free have much lower rates as compared to drivers who are more careless.
- Fewer Miles Equal More Savings – Driving fewer miles can earn lower rates on the low mileage vehicles.
Policy discounts save money, but most credits do not apply to the entire cost. Most cut the cost of specific coverages such as comp or med pay. Despite the appearance that you would end up receiving a 100% discount, company stockholders wouldn’t be very happy. But any discount should definitely cut the cost of coverage.
Larger insurance companies and the discounts they provide are:
- Progressive includes discounts for good student, multi-policy, multi-vehicle, online quote discount, and online signing.
- GEICO has savings for membership and employees, anti-theft, anti-lock brakes, air bags, five-year accident-free, federal employee, and driver training.
- State Farm may offer discounts for anti-theft, accident-free, multiple autos, Steer Clear safe driver discount, and good student.
- Esurance discounts include multi-car, claim free, renters, multi-policy, Switch & Save, safety device, and homeowner.
- The Hartford may include discounts for defensive driver, anti-theft, good student, driver training, bundle, vehicle fuel type, and air bag.
Before you buy a policy, ask all companies you are considering how you can save money. Some credits may not be offered in San Diego. If you would like to view insurance companies that offer the discounts shown above in California, click here to view.
Lower Your San Diego Insurance Rates
Multiple criteria are part of the calculation when premium rates are determined. Most are fairly basic like your driving record, but others are not as apparent like where you live or your financial responsibility.
The list below includes some of the most rate-impacting factors used by insurance companies to determine prices.
- Costs may be higher where you live – Choosing to live in a small town is a good thing if you are looking for the lowest rates. Fewer drivers on the road means reduced accidents and lower theft and vandalism rates. Drivers who live in large California cities have to deal with more road rage incidents and more severe claims. The longer drive time means more chance of being in an accident.
- Gender matters – Over the last 30 years, statistics show that men are more aggressive behind the wheel. However, this does not mean men are WORSE drivers than women. Both genders tend to get into at-fault accidents in similar numbers, but males have accidents that have higher claims. Men also statistically receive more costly citations like driving under the influence (DUI).
- Safer vehicles save money – Vehicles that have high safety ratings tend to have better insurance rates. Safer cars have better occupant injury protection and better occupant protection translates into fewer and smaller insurance claims and cheaper rates on your policy. If your Chevy earned at least four stars on Safercar.gov it is probably cheaper to insure.
- Add-on coverages can cost a lot – There are a lot of additional coverages that can waste your money but may not be useful. Insurance for vanishing deductibles, better glass coverage, and motor club memberships are probably not needed. The coverages may be enticing when discussing your needs, but if you have no use for them eliminate the coverages to reduce your premium.
- Never let your auto insurance policy expire – Letting your insurance expire is a quick way to increase your auto insurance rates. Not only will rates go up, failure to provide proof of insurance could earn you a license revocation or jail time. You could then be forced to submit proof of financial responsibility or a SR-22 with the California department of motor vehicles.
- Driving citations can increase prices – Being a careful driver impacts your car insurance rates tremendously. Drivers who don’t get tickets tend to pay less for car insurance compared to bad drivers. Getting just one ticket could increase your next policy renewal twenty percent or more. Drivers unfortunate enough to have dangerous tickets such as reckless driving, hit and run or driving under the influence may need to complete a SR-22 with their state’s licensing department in order to keep their license.
- With age comes responsibility – Older, more experienced drivers tend to be more responsible, tend to cause fewer accidents, and get fewer tickets.Inexperience drivers are statistically shown to be easily distracted when driving with friends and because of this, their auto insurance rates are much higher.
- Save money by raising comp and collision deductibles – Physical damage protection, termed comprehensive and collision coverage on your policy, is used to repair damage to your vehicle. A few examples of covered claims are collision with another vehicle, damage from fire, and rolling your vehicle. The deductibles state the amount of money the insured will be required to pay if a covered claim is submitted. The more expense you pay before a claim is paid (deductible), the less money you will pay for auto insurance.
Which is the best insurance?
When it comes to the right insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Every situation is different.
For example, these questions might help in determining if you may require specific advice.
- Does insurance cover damages from a DUI accident?
- When can I cancel my policy?
- What does medical payments coverage do?
- How much can I save by bundling my policies?
- Does insurance cover tools stolen from my truck?
- Is water damage covered by my policy?
- What is glass protection for?
- Will filing a claim cost me more?
- What if I owe more than I can insure my car for?
- Should I drop comprehensive coverage on older vehicles?
If you can’t answer these questions but a few of them apply then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can help protect your family.
Insurance agents are professional risk managers
Some consumers would rather talk to a local agent and doing so can bring peace of mind Agents will help you protect your assets and help you file claims. A good thing about comparing rate quotes online is the fact that drivers can get lower rates and still have a local agent. Supporting neighborhood insurance agencies is definitely important in San Diego.
Upon completion of this form (opens in new window), your information is instantly submitted to local insurance agents in San Diego who want to provide quotes for your business. It simplifies rate comparisons since you won’t have to find an agent on your own due to the fact that quote results will go to the email address you provide. If you wish to quote rates for a specific company, just jump over to their website to submit a rate quote request.
Best car insurance agent in San Diego
When researching a good insurance agency, you should know the different types of agents and how they operate. Insurance agencies in San Diego are categorized either exclusive or independent (non-exclusive). Either one can sell auto insurance policies, but it’s good to learn the difference in the companies they write for since it could factor into the kind of agent you use.
Independent Auto Insurance Agents (or Brokers)
These agents can quote rates with many companies so they can quote policies through many companies enabling the ability to shop coverage around. To transfer your coverage to a different company, your policy is moved internally and you won’t have to switch agencies.
When comparing auto insurance rates, it’s recommended you include a few independent agents to have the best price comparison. Most can insure with companies that do not advertise much which could offer lower prices.
Featured below is a partial list of independent agents in San Diego who can help you get free auto insurance quotes.
- AG Insurance Agency
11440 W Bernardo Ct #161 – San Diego, CA 92127 – (858) 431-9880 – View Map - Stanley Wong Insurance
4619 Convoy St # C – San Diego, CA 92111 – (858) 569-0383 – View Map - B H Gold Insurance
9699 Tierra Grande St # 100 – San Diego, CA 92126 – (800) 421-4653 – View Map
Exclusive Insurance Agencies
Agents that choose to be exclusive can only provide one company’s prices and examples are Allstate, Farmers Insurance or State Farm. Exclusive agencies are unable to provide prices from multiple companies so if the price isn’t competitive there isn’t much they can do. Exclusive agencies are well schooled on sales techniques and that can be a competitive advantage. Many people choose to use an exclusive agent mostly because of the prominence of the brand rather than having the cheapest rates.
Below is a short list of exclusive agencies in San Diego that can give you price quotes.
- Kevin Kane – State Farm Insurance Agent
3914 Murphy Canyon Rd a252 – San Diego, CA 92123 – (858) 514-0385 – View Map - Fred Shadlow – State Farm Insurance Agent
7332 Casper Dr – San Diego, CA 92119 – (619) 464-4261 – View Map - Allstate Insurance: Brian McMullen
4455 Lamont St #1 – San Diego, CA 92109 – (858) 274-2377 – View Map
Picking a insurance agency is decision based upon more than just a cheap price quote. Any agent in San Diego should be willing to answer these questions.
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Do the agents have professional certifications like CPCU or CIC?
- Where would glass claims be handled in San Diego?
- Is their price quote a firm figure or are their hidden costs?
- Can they give you a list of client referrals?
- Will the quote change when the policy is issued?
- Does the agency have a positive business rating?
Buyer beware of insurance advertising tricks
Consumers in California can’t ignore all the ads that claim the lowest car insurance rates by GEICO, State Farm and Progressive. All the companies make the point about savings if you switch your policy.
Is it even possible that every company can sell you cheaper insurance coverage? It’s all in the numbers.
Many companies give the best rates for the right customer that earns them the most money. One example of a profitable risk profile might be between the ages of 30 and 50, has no driving citations, and insures a new vehicle. A customer who fits those characteristics gets the lowest rates and will most likely cut their rates substantially.
Potential customers who don’t meet these stringent criteria may be required to pay higher rates which usually ends up with business not being written. The trick companies use is to say “customers that switch” not “everyone who quotes” can get the lowest rates when switching. That’s why companies can claim big savings.
This illustrates why drivers must compare free San Diego auto insurance quotes often. It’s impossible to know which insurance company will fit you best based on your risk profile.
Car insurance savings summarized
Consumers switch companies for any number of reasons including delays in responding to claim requests, policy cancellation, denial of a claim or even lack of trust in their agent. It doesn’t matter what your reason, finding a great new company is actually quite simple.
Lower-priced Chevy Classic insurance in San Diego can be found online as well as from insurance agents, so you need to shop San Diego auto insurance with both so you have a total pricing picture. A few companies may not offer online quoting and many times these smaller providers work with local independent agents.
You just learned a lot of techniques to get a better price on Chevy Classic insurance in San Diego. The key concept to understand is the more rate comparisons you have, the better likelihood of getting the cheapest Chevrolet Classic rate quotes. You may even discover the best rates are with a small local company.
More information is located at these links:
- Booster Seat Ratings (iihs.org)
- How Much are Auto Insurance Quotes for Infrequent Drivers in San Diego? (FAQ)
- How Much is Auto Insurance for Single Moms in San Diego? (FAQ)
- Who Has the Cheapest Car Insurance Rates for Handicapped Drivers in San Diego? (FAQ)
- How Much are Car Insurance Quotes for a Honda Accord in San Diego? (FAQ)
- Who Has Affordable Auto Insurance Quotes for a Kia Forte in San Diego? (FAQ)
- How Much are Car Insurance Quotes for Government Employees in San Diego? (FAQ)
- Who Has the Cheapest San Diego Car Insurance Quotes for High School Students? (FAQ)
- How Much Auto Coverage do I Need? (Insurance Information Institute)
- Avoiding Deer Collisions (Insurance Information Institute)