I can’t think of anyone who is fond of buying auto insurance, especially knowing they could find lower prices if they just compared rates.
Statistics show that most auto insurance buyers have remained with the same auto insurance company for over three years, and just under half have never compared rates to find cheap insurance. California insurance shoppers could save up to $469 each year, but they don’t believe the large savings they would see if they switched to a cheaper policy. There is such a variety of car insurance companies to buy insurance from, and though it is a good thing to have a choice, having more insurers makes it harder to compare rates and find the lowest cost auto insurance.
Finding the cheapest auto insurance coverage in San Diego is actually quite simple. If you currently have a car insurance policy, you will most likely be able to shop for the lowest rates using this strategy. Shoppers just have to know the proper methods to compare company rates from many different companies.
The most recommended method to compare rates for Chrysler Sebring insurance in San Diego is to know the fact most of the bigger providers actually pay money for the chance to give rate comparisons. The only thing you need to do is take a few minutes to give details like how you use your vehicles, whether your vehicle is owned or leased, if you are currently licensed, and types of safety features. Your information is automatically sent to many of the top insurers and they return cost estimate quickly.
To start a quote now, click here and complete the quick form.
The providers in the list below provide price comparisons in San Diego, CA. If multiple companies are listed, it’s highly recommended you get price quotes from several of them to get the best price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sebring Touring 4-Dr Sedan||$332||$664||$450||$26||$134||$1,606||$134|
|Sebring Limited 4-Dr Sedan||$332||$664||$450||$26||$134||$1,606||$134|
|Sebring LX 2-Dr Convertible||$428||$834||$596||$36||$178||$2,072||$173|
|Sebring Touring 2-Dr Convertible||$332||$664||$464||$28||$138||$1,626||$136|
|Sebring Limited 2-Dr Convertible||$302||$490||$578||$34||$174||$1,578||$132|
|Get Your Own Custom Quote Go|
Above prices assume single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Rates do not factor in zip code location which can increase or decrease auto insurance rates significantly.
Rate comparison of full coverage and liability-only
The diagram below illustrates the comparison of Chrysler Sebring insurance prices with full coverage and liability only. The premiums are based on no claims or violations, $500 deductibles, single female driver, and no other discounts are factored in.
When to stop buying full coverage
There is no set rule for excluding physical damage coverage, but there is a general convention. If the yearly cost of full coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then you may want to consider only buying liability coverage.
For example, let’s assume your Chrysler Sebring book value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $3,000 after the policy deductible has been paid. If premiums are more than $300 a year for physical damage coverage, then you may need to consider dropping full coverage.
There are some situations where buying only liability insurance is not a good idea. If you still have a lienholder on your title, you have to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should not buy liability only.
When in doubt talk to an agent
When it comes to the right insurance coverage for your vehicles, there is no perfect coverage plan. Everyone’s needs are different.
For example, these questions may help highlight whether or not you might need an agent’s assistance.
- What are the best liability limits?
- Why am I required to get a high-risk car insurance policy?
- Am I covered if I wreck a rental car?
- Who sells insurance for high-risk drivers?
- Does medical payments coverage apply to all occupants?
- When does my teenage driver need to be added to my policy?
If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out this quick form. It’s fast, doesn’t cost anything and may give you better protection.
Local San Diego car insurance agents
Some consumers would prefer to talk to a local agent and there is nothing wrong with that. Professional insurance agents can make sure you are properly covered and help submit paperwork. A nice benefit of comparing insurance online is that you can find lower rates and still have an agent to talk to.
By using this simple form, your insurance coverage information is sent to insurance agents in San Diego who can give free rate quotes for your coverage. You won’t need to visit any agencies because prices are sent instantly to you. If you need to get a comparison quote from a particular provider, you can always jump over to their website to submit a rate quote request.
Picking an provider requires you to look at more than just a cheap quote. Any agent in San Diego should be forthright in answering these questions:
- Do they have 24-hour customer assistance?
- What is their Better Business Bureau rating?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- How would your car be valued if totalled?
- Do they offer accident forgiveness?
- Do they prorate repair cost based on vehicle mileage?
- Does their agency support local causes in San Diego?
- Where would your vehicle be repaired?
If you prefer to buy insurance from a local agent, it’s helpful to know the different agency structures that you can choose from. Insurance agents are either independent or exclusive. Either can properly insure your vehicles, but it’s a good idea to understand how they differ since it may influence buying decisions.
Exclusive Insurance Agencies
Agents that elect to be exclusive can only write with one company like Farmers Insurance, Allstate, or State Farm. Exclusive agents are unable to compare other company’s rates so keep that in mind. They receive a lot of sales training in insurance sales which helps overcome the inability to quote other rates.
Listed below are San Diego exclusive agents who can help you get rate quotes.
Independent Insurance Agents
These agents do not work for one specific company so they can quote policies through many different insurance companies and find the cheapest rate. If they quote lower rates, they simply move the coverage in-house and you don’t have to do anything.
If you are comparing rate quotes, it’s a good idea to check rates from at least one independent agent to have the most options to choose from.
Below is a list of independent agents in San Diego willing to provide price quotes.
Leavitt Group – Leavitt Insurance Agency of San Diego
3636 Nobel Dr #100 – San Diego, CA 92122 – (858) 436-2441 – View Map