Located in Southern San Diego County, Chula Vista is a city with a long history. Though not incorporated until 1911, the area was inhabited by Native American tribes as early as 3000 B.C. and shows evidence of prehistoric fossils of both land and sea creatures. In modern Chula Vista you can walk or swim, but most residents chose to drive. And as such, they must carry insurance. In California all drivers must carry liability insurance. This means that any Chula Vista car insurance quotes you seek to obtain should contain $15,000 in bodily injury liability insurance per person or $30,000 total per accident and $15,000 coverage in property damage liability insurance. Of course, you may want to obtain more liability coverage, depending on the kind of car you drive, how often you're on the road and the amount you can afford to spend for such coverage.
If you currently own or lease a newer model car, then you should add total coverage in the form of comprehensive and collision insurance in your Chula Vista auto insurance quotes. Even though it's not mandatory legally that you maintain full coverage, it is recommended by most lenders and leasing companies that you secure it if you own a newer model car. While collision insurance will cover the damages sustained by your personal vehicle, comprehensive insurance, also known as "OTC" insurance or "Other than Collision" insurance provides protection in case your car is damaged from causes such as theft, vandalism, fire, hail and other acts of nature. Of course, if you own an older model car that is paid off, then you really don't need total coverage, especially collision insurance. Because collision insurance only pays up to a car's current book value after the deductibles are satisfied, it's better to decline the insurance and put the additional money you'll save from a lower premium into the bank.
Whether you have a newer car or older car, you can benefit from uninsured motorist insurance and underinsured motorist coverage. Uninsured motorist insurance will protect you if you and any passenger are hit by a driver who doesn't have insurance. Likewise, underinsured motorist protection provides financial resources when you're involved in an accident with a driver who doesn't possess enough insurance. Both coverages are good to have as an extra safeguard in your auto plan.
There are a number of Chula Vista car insurance companies that can furnish you with a number of ways for insuring your car. Make certain then that you obtain more than a couple of Chula Vista car insurance quotes for your car. Enter your zip code now to receive the best rate for your budget and driving needs.