Chula Vista is known for its diverse culture, beautiful golf courses and parks, assortment of entertainment options, and stunning scenery that's fitting for a city called "beautiful view." But its close proximity to San Diego and Tijuana can cause a calamity when it comes time to hit the road. Sure, the kind of car you drive is a huge factor in determining your auto insurance premium, but where you drive and how often you drive can play an important role as well. For instance, if you reside in Chula Vista and drive to work in San Diego five days per week you're likely dealing with congested traffic along the way. According to the 2009 INRIX National Traffic Scorecard, the San Diego Metropolitan Area was ranked the 17th most congested area for traffic. Those who frequently travel in this congested area are likely to see increases on their Chula Vista insurance quotes because congestion translates to accidents, theft and vandalism to insurance providers. By carpooling or using public transportation you can escape the stress of continually driving in bumper-to-bumper traffic, and save money on gas, auto maintenance and on your car insurance. Chula Vista residents aren't alone when it comes to frequent traffic congestion; it's a nationwide problem. And, according to Texas Transportation Institute's 2009 Urban Mobility Report, based on wasted fuel and lost productivity, the overall cost of traffic congestion reached $87.2 billion in 2007, which translates to $750 for every U.S. traveler. Californians paid an average of $800 for auto insurance in 2007, according to the Insurance Information Institute (I.I.I.). If you do the math, it's plain to see that limiting your drive time in congested traffic can really pay off.
If you have a mortgage, your lender requires you to have homeowners insurance. It's likely that at times you wonder why you're obligated to shovel out the finances to pay for this coverage (Californians paid an average of $925 for homeowners insurance in 2007, according to the I.I.I.). After all, you've never had to file a claim since you purchased your home. But it takes just one natural disaster or burglary to understand the value of your Chula Vista, California insurance for your home. According to the FBI's Crime in the United States report, there were 6,514 property crimes in Chula Vista in 2008. Homeowners insurance covers the cost to repair or replace any of your damaged or stolen insured property in cases of theft. If you house an abundance of valuable items in your home you may want increase the coverage on your personal property. This will raise your rate, but you can offset costlier Chula Vista insurance quotes by choosing a higher deductible.
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With so many fun and exciting things to do in The Golden State, shopping for Chula Vista insurance quotes can seem like a humdrum undertaking, so why not make the most of NetQuote's free services? From auto to homeowners, health, life and business coverage, we can connect you with numerous providers that will take care of all your insurance needs. Simply complete a questionnaire on NetQuote.com and when you're done soaking in the scenery you will have several Chula Vista insurance quotes ready to compare side by side.