Compare Chevy Corvette Insurance Rate Quotes in San Diego

If you are new to online insurance, chances are good that you are bewildered due to the large selection of insurance companies that all promise the best rates for Chevy Corvette insurance in San Diego.

It’s shocking but nearly 70% of customers have remained with the same insurance company for at least four years, and roughly 40% of drivers have never compared insurance rates at all. Many drivers in San Diego can save hundreds of dollars each year just by shopping around, but they don’t want to spend time to shop their coverage around.

Consumers need to price shop coverage quite often since prices go up and down regularly. Just because you had the best deal on Chevy Corvette insurance in San Diego at your last renewal you will most likely find a better premium rate today. There is too much inaccurate information about Corvette insurance on the internet, but in just a couple of minutes you can learn the easiest ways to lower your insurance rates in San Diego.

Auto insurance providers offering cheap price quotes in California

The companies shown below are ready to provide quotes in California. If several companies are displayed, it’s a good idea that you click on several of them to find the most competitive auto insurance rates.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Prices do not factor in your specific San Diego location which can influence prices noticeably.

Policy deductible comparison

One of the more difficult decisions when buying auto insurance is which comprehensive and collision deductibles to buy. The figures shown below determine the differences in price when you select higher and lower physical damage deductibles. The first table uses a $250 deductible for physical damage and the second set of prices uses a $1,000 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Rate information does not factor in specific location which can increase or decrease coverage prices substantially.

Based on the data above, we can derive that using a $250 deductible will cost in the ballpark of $55 more each month or $660 annually than requesting the higher $1,000 deductible. Since you would have to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you have at least 14 months between claims, you would probably save some money by selecting a higher deductible.

One big caveat is that higher deductibles means you will have to pay more of your own money if you have a claim. That will necessitate some available funds in the event you have to pay the higher deductible in order to repair your vehicle.

Cheaper Chevy Corvette insurance quotes in San Diego

Car insurance companies don’t always advertise every policy discount in an easy-to-find place, so we break down a few of the more common as well as the least known credits available to you.

• Discounts for Multiple Vehicles – Having all your vehicles with the same insurance company qualifies for this discount.
• Save with a New Car – Buying a new car model can save up to 30% due to better safety requirements for newer models.
• Government Employees – Active or former government employment can save as much as 8% depending on your company.
• Good Grades Discount – Maintaining excellent grades may save as much as 25% on a San Diego car insurance quote. Many companies even apply the discount to college students up until you turn 25.
• Memberships – Being a member of qualifying clubs or civic groups may earn a discount when shopping for insurance.
• Military Rewards – Being on active deployment in the military could be rewarded with lower premium rates.
• Senior Discount – If you qualify as a senior citizen, you can get lower premium rates.
• Telematics Discount – San Diego drivers who agree to allow their insurance company to look at vehicle usage by using a telematics device in their vehicle like Drivewise from Allstate or In-Drive from State Farm could see a rate decrease if they have good driving habits.

As is typical with insurance, many deductions do not apply to the overall cost of the policy. Most cut the price of certain insurance coverages like collision or personal injury protection. If you do the math and it seems like adding up those discounts means a free policy, nobody gets a free ride.

Large insurance companies and the discounts they provide are detailed below.

• Farm Bureau offers discounts including good student, driver training, 55 and retired, safe driver, youthful driver, renewal discount, and multi-vehicle.
• MetLife may offer discounts for accident-free, claim-free, good student, defensive driver, and multi-policy.
• Progressive has discounts for multi-vehicle, continuous coverage, homeowner, multi-policy, good student, and online signing.
• AAA discounts include good student, multi-car, pay-in-full, AAA membership discount, education and occupation, and anti-theft.
• American Family has savings for defensive driver, good driver, TimeAway discount, accident-free, and mySafetyValet.
• GEICO offers premium reductions for five-year accident-free, multi-vehicle, membership and employees, defensive driver, good student, anti-theft, and emergency military deployment.
• State Farm policyholders can earn discounts including driver’s education, anti-theft, Steer Clear safe driver discount, student away at school, and good driver.

Check with all the companies which discounts can lower your rates. Some of the earlier mentioned discounts may not apply to policyholders in San Diego. To see a list of insurance companies that offer some of these discounts in San Diego, follow this link.

Learn How to Get Auto Insurance for Less

One of the most helpful ways to save on auto insurance is to to have a grasp of some of the factors that help calculate the level of your policy premiums. When you know what positively or negatively determines base rates, this enables informed choices that may result in big savings.

• Having a spouse brings a discount – Having a wife or husband can actually save you money on auto insurance. It means you’re more responsible and statistics show married drivers tend to file fewer claims.
• Keep the miles off and save – The higher the miles on your Chevy annually the more you’ll pay to insure it. A lot of companies charge to insure your cars based on how the vehicle is used. Vehicles that sit idle most of the time can get a lower rate than cars that get driven a lot. It’s always a good idea to double check that your auto insurance policy states the right rating data. Having an incorrect usage rating on your Corvette may be costing you higher rates.
• Eliminate extra policy coverages – Insurance policies have a lot of extra add-on coverages that may not really be needed when buying auto insurance. Insurance for rental car reimbursement, accidental death, and motor club memberships could be just wasting money. They may sound like good ideas at first, but your money might be better spent on other coverage so eliminate them to save money.
• Stay claim-free and save money – If you file a lot of claims you can expect either a policy non-renewal or much higher rates. Auto insurance companies in California provide most affordable rates to insureds who do not rely on their insurance for small claims. Insurance coverage is intended for major claims that would cause financial hardship.
• Insurance losses for a Chevy Corvette – Companies use historical loss data when they calculate premium costs for each model. Models that tend to have higher claim frequency or loss amount will be charged more to insure. The table below outlines the insurance loss data used by companies for Chevy Corvette vehicles.

  For each coverage category, the statistical loss for all vehicles, regardless of manufacturer or model, equals 100. Numbers below 100 indicate better than average losses, while values that are 100 or greater indicate a higher chance of having a claim or an increased chance of larger losses than average.

  Chevrolet Corvette Insurance Claim Statistics

  Vehicle Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Chevrolet Corvette 2dr	116	36	101	42	48	39
  Chevrolet Corvette Convertible	99	25	57	36
  Chevrolet Corvette Z06 2dr	176		126

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Do I need special coverages?

Always keep in mind that when comparing insurance from an agent or online for your personal vehicles, there is no perfect coverage plan. Your needs are not the same as everyone else’s.

For example, these questions can help discover if you will benefit from professional help.

• What is motorclub and do I need it?
• Am I covered when driving in Canada or Mexico?
• Why am I required to get a high-risk car insurance policy?
• When can my company non-renew my policy?
• Can I afford to pay high deductible claims out of pocket?
• Does my policy cover me if I wreck while driving under the influence?
• What policy terms are available?
• I don’t drive much so do I pay less?
• Is other people’s property covered if stolen from my vehicle?
• What are the liability requirements in my state?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form.

Neighborhood agents and insurance

Some people would rather get professional advice from a licensed agent and often times that is recommended The biggest benefit of comparing insurance online is the fact that you can find cheap insurance rates but also keep your business local. And supporting small agencies is still important in San Diego.

Upon completion of this short form, your information is immediately sent to companies in San Diego who want to provide quotes to get your business. You won’t even need to contact an agency because prices are sent straight to your inbox. It’s the lowest rates AND a local agent. If you wish to compare rates from a particular provider, just visit that company’s website and complete a quote there.

If you prefer to buy insurance from a good San Diego insurance agent, it’s important to understand the different agency structures and how they differ in how they quote coverages. Insurance agencies are considered either exclusive or independent agents depending on their company appointments.

Independent Insurance Agencies

Agents that choose to be independent can sell policies from many different companies so as a result can place your coverage through lots of different companies depending on which coverage is best. If you want to switch companies, the business is moved internally which makes it simple for you.

If you need lower rates, you absolutely need to get some free quotes from multiple independent agents for the best price selection. Most independent agents also contract with lesser-known insurance companies who may have lower rates.

Listed below is a partial list of independent agents in San Diego that can give you price quotes.

• San Diego Insurance
  4411 Mercury St #105b – San Diego, CA 92111 – (858) 565-6695 – View Map
• Curtis Moring Insurance Agency Inc.
  5425 Oberlin Dr #201 – San Diego, CA 92121 – (619) 718-7578 – View Map
• Nationwide Insurance: Keith Jackson Insurance Agency Inc
  1081 Camino del Rio S Ste 210 – San Diego, CA 92108 – (916) 742-6995 – View Map

View more San Diego agents

Exclusive Insurance Agents

Agents of this type normally can only provide a single company’s rates like State Farm, Allstate, and Farm Bureau. These agents are not able to provide other company’s prices so you might not find the best rates. These agents receive a lot of sales training on sales techniques which helps them sell insurance even at higher premiums. A lot of people buy insurance from these agents mostly because of high brand loyalty rather than having low rates.

Listed below are exclusive agencies in San Diego who can help you get price quote information.

• State Farm: Tom Latsko
  8680 Navajo Rd #214 – San Diego, CA 92119 – (619) 462-5701 – View Map
• Allstate Insurance: David James
  8333 Clairemont Mesa Blvd Ste 110 – San Diego, CA 92111 – (858) 278-4880 – View Map
• State Farm: Wendy Phillips
  3838 Camino Del Rio N #103 – San Diego, CA 92108 – (619) 563-0380 – View Map

View more San Diego agents

Finding a good insurance agency requires more thought than just the bottom line cost. Any agent in San Diego should be forthright in answering these questions:

• Do the agents have professional certifications like CPCU or CIC?
• Do they have 24-hour customer assistance?
• Is vehicle damage repaired with OEM or aftermarket parts?
• What company holds the largest book of business for them?
• Is every driver in your family covered?
• Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
• When do they do policy reviews?
• Does the company have a solid financial rating?

How much can you save?

Consumers switch companies for a variety of reasons including delays in paying claims, extreme rates for teen drivers, not issuing a premium refund or even denial of a claim. No matter why you want to switch, finding a great new company is less work than it seems.

Cheaper Chevy Corvette insurance in San Diego can be sourced on the web as well as from independent agents in San Diego, so you should be comparing quotes from both so you have a total pricing picture. Some companies may not have internet price quotes and usually these small insurance companies work with local independent agents.

In this article, we presented some good ideas how to shop for Chevy Corvette insurance online. It’s most important to understand that the more rate comparisons you have, the better your comparison will be. Consumers may even find the lowest premium rates are with a lesser-known regional company.

Additional auto insurance information can be read at the links below

• Property Damage Coverage (Liberty Mutual)
• Who Has Affordable San Diego Auto Insurance for a School Permit? (FAQ)
• Who Has the Cheapest San Diego Auto Insurance Rates for Immigrants? (FAQ)
• Who Has Cheap Car Insurance Quotes for Drivers Over Age 60 in San Diego? (FAQ)
• Drunk Driving Statistics (Insurance Information Institute)
• What is Gap Insurance? (Insurance Information Institute)
• Winter Driving (Insurance Information Institute)
• All About Airbag Safety (State Farm)