Do you want to save money by buying low-cost Chevy Volt insurance in San Diego? Nobody loves paying for auto insurance, especially knowing their premiums are too high.
It's astonishing, but a large majority of consumers kept their coverage with the same auto insurance company for at least four years, and just under half have never even compared rates from other companies. The average driver in California can save hundreds of dollars each year by just comparing rate quotes, but they just don't understand the benefits if they switched to a cheaper policy.
With people having so many companies and agents to choose from, it's nearly impossible to find the lowest price auto insurance provider.
Low-cost auto insurance in San Diego, CA
The companies in the list below offer price comparisons in California. If several companies are displayed, we suggest you compare several of them to get a more complete price comparison.
Why Smart Buyers Pay Less for Chevy Volt Insurance
Many different elements are taken into consideration when you get your auto insurance bill. Some of the criteria are obvious like an MVR report, but other factors are not as apparent like your continuous coverage or how financially stable you are. It's important that you understand the different types of things that play a part in calculating your premiums. If you have a feel for what determines premiums, this enables informed choices that may result in big savings.
- With age comes lower premiums - Older, more experienced drivers are proven to be safer behind the wheel, cost insurance companies less in claims, and usually have better credit.Drivers with little experience have a tendency to be more careless in a vehicle so they pay higher insurance rates.
- Physical damage deductibles - Physical damage deductibles define the amount you are willing to pay out-of-pocket in the event of a claim. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some coverage claims are rearending another vehicle, damage from fire, or theft of your vehicle. The more money the insured is willing to pay, the lower your rates will be.
- Occupation stress can make you pay more - Did you know your career choice can influence rates? Occupations like lawyers, social workers and emergency personnel tend to have higher rates than the rest of us because of high stress levels and lots of time spent at work. On the other hand, professions such as scientists, engineers and retirees have the lowest average rates.
- Do males or females drive better? - The statistics show women tend to be less risk to insure than men. Now that doesn't mean men are WORSE drivers than women. Both genders are responsible for accidents at about the same rate, but guys get into accidents with more damage. In addition to higher claims, males also receive more major tickets such as DWI and reckless driving. Young males cause the most accidents and thus pay the highest rates.
- Premiums impacted by your city - Being located in areas with lower population can save you money if you are looking for the lowest rates. Less people living in that area means reduced accidents and lower theft and vandalism rates. Residents of big cities have more traffic problems and longer commute times. Higher commute times means more chances of being involved in an auto accident.
- Safer cars means cheaper insurance - Safe vehicles tend to have better insurance rates. These vehicles help reduce the chance of injuries in an accident and fewer serious injuries means less claims paid which can result in lower premiums.
- Poor credit can mean higher prices - Having a bad credit history is a big factor in calculating your premium rate. So if your credit is lower than you'd like, you could pay less to insure your Chevrolet Volt by taking the time to improve your credit score. People with very high credit ratings tend to file fewer claims than drivers with poor credit.
- Maintain insurance coverage - Driving your car without having proper coverage can get you a ticket and as a result your rates will increase for letting your coverage lapse. Not only will rates go up, the inability to provide proof of insurance may earn you a hefty fine and possibly a revoked license.
- Chevy Volt statistical loss data - Insurers take into consideration historical loss data for every vehicle to help calculate a profitable premium rate. Vehicles that the data determines to have a higher amount or frequency of claims will have a higher cost to insure. The table below shows the historical loss data for Chevy Volt vehicles.
For each policy coverage, the statistical loss for all vehicles, without regard to make or model, is a value of 100. Numbers that are below 100 indicate a favorable loss history, while values that are above 100 point to more claims or tendency to have larger claims.
Insurance Loss Ratings for Chevrolet Volt Vehicles
Vehicle Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Chevrolet Volt Electric 89 83 81 71 73 90
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
These discounts can reduce Chevy Volt insurance rates
Companies don't list every possible discount in a way that's easy to find, so we took the time to find both well-publicized and also the lesser-known credits available to lower your premiums when you buy San Diego auto insurance online.
- Distant Student - Older children living away from San Diego attending college and do not have access to a covered vehicle can be insured at a reduced rate.
- Multi-car Discount - Insuring multiple cars or trucks with one company can get a discount for every vehicle.
- Low Mileage - Keeping the miles down on your Chevy can earn substantially lower rates.
- Senior Discount - If you're over the age of 55, you are able to get a small discount on rates.
- Smart Student Discounts - A discount for being a good student may save as much as 25% on a San Diego auto insurance quote. This discount can apply up to age 25.
As a sidenote, some of the credits will not apply to the overall cost of the policy. Some only apply to individual premiums such as comp or med pay. So even though they make it sound like adding up those discounts means a free policy, insurance companies aren't that generous.
To see providers offering insurance discounts in San Diego, click here to view.
Local San Diego insurance agencies
Many drivers still prefer to get advice from a local agent and we recommend doing that One of the best bonuses of getting free rate quotes online is that drivers can save money and get cheap car insurance rates and still buy from a local agent.
After completing this quick form, your information is immediately sent to participating agents in San Diego who will give you bids to get your business. It makes it easy because there is no need to drive around because prices are sent straight to your inbox. Get lower rates and a licensed agent to talk to. If you need to compare prices from a specific car insurance provider, don't hesitate to search and find their rate quote page and fill out the quote form the provide.
Finding the right company requires more thought than just a cheap price. Below are some questions you should ask.
- If your car is in the repair shop, do you have coverage for a rental car?
- Is their price quote a firm figure or are their hidden costs?
- Is coverage determined by price?
- Are they paid to recommend certain coverages?
- How many years of experience in personal auto insurance do they have?
- Does the agency support the community they serve?
Beware of misleading insurance ads
Companies like 21st Century, Allstate and State Farm endlessly run ads on TV and radio. All the companies make an identical promise that you can save if you change your policy. But how can every company offer you a better deal on Chevy Volt insurance in San Diego? Here is the trick they use.
Insurance providers offer their best rates for the type of driver that earns them a profit. One example of a preferred risk might have to be a mature driver, has no tickets, and drives a car with an anti-theft system. Any customer that matches those criteria will get a cheap rate quote in San Diego and therefore will save when switching.
Drivers who fall outside this ideal profile will have to pay higher premium rates and this can result in the customer not purchasing. Company advertisements say "drivers that switch" not "all people who quote" will save that much if they switch. That's the way insurance companies can lure you into getting a quote. Because of the profiling, it's extremely important to get San Diego auto insurance quotes as often as possible. It's just too difficult to predict the company that will be your best fit.
Insurance agents can help
When quoting and choosing coverage, there isn't really a "perfect" insurance plan. Your financial needs are unique.
Here are some questions about coverages that might point out whether your personal situation would benefit from an agent's advice.
- Do I need added coverage for expensive stereo equipment?
- Do I have coverage if my license is suspended?
- Does coverage extend to my business vehicle?
- Should I carry comprehensive and collision coverage?
- If I use my vehicle for business use is it covered?
- Do I have coverage when making deliveries for my home business?
- Will damage be repaired with OEM parts?
- How much can I save by bundling my policies?
- Do I have ACV or replacement cost coverage?
- What is an umbrella policy?
If it's difficult to answer those questions then you might want to talk to a licensed agent. If you don't have a local agent, fill out this quick form.
Lower rates by being persistent
We just presented some good ideas how to get a better price on Chevy Volt insurance in San Diego. It's most important to understand that the more you quote San Diego auto insurance, the better your comparison will be. You may even find the lowest priced insurance comes from some of the lesser-known companies.
Discount Chevy Volt insurance in San Diego can be purchased online and also from your neighborhood San Diego agents, and you should compare price quotes from both in order to have the best chance of saving money. A few companies may not offer the ability to get quotes online and these regional insurance providers work with independent agents.
As you quote San Diego auto insurance, it's not a good idea to buy lower coverage limits just to save a few bucks. Too many times, an insured cut physical damage coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. The goal is to purchase plenty of coverage for the lowest price while not skimping on critical coverages.
More tips and info about insurance can be read by following these links:
- How to shop for a safer car (Insurance Institute for Highway Safety)
- How Much are Auto Insurance Rates for a Dodge Grand Caravan in San Diego? (FAQ)
- Who Has Cheap Car Insurance Quotes for a GMC Sierra in San Diego? (FAQ)
- What Auto Insurance is Cheapest for Drivers Over Age 70 in San Diego? (FAQ)
- What Insurance is Cheapest for Uninsured Drivers in San Diego? (FAQ)
- What Auto Insurance is Cheapest for Teachers in San Diego? (FAQ)
- Prepare your Teens for Safe Driving (InsureUonline.org)
- Understanding Car Crashes Video (iihs.org)
- Event Data Recorders FAQ (iihs.org)