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Cheap Car Insurance in Chula Vista, California

Knowing a little more about Chula Vista can make finding cheap car insurance easier. The second largest city in the San Diego metro area next to San Diego itself, Chula Vista is a scenic, bayfront city less than 8 miles from the Mexico border in far southwest California. Home to an estimated 261,000, it is a tourist hub and also known as the “lemon capital of the world.” Its name is Spanish for “beautiful view.” Chula Vista is an eclectic mix of locals, tourist and immigrants so, below we will help you navigate living, driving and acquiring car insurance for this scenic city.

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Driving Conditions in Chula Vista

Multiple interstates run through Chula Vista, with Interstate 5 connected it to the greater Los Angeles area to the north. For real-time traffic maps that include the Chula Vista area, visit

The California Department of Transportation recommends that drivers call the Caltrans Highway Information Network at (800)427-7623 for current closures and traffic announcements.

Unique Laws in Chula Vista

A recently enacted rule within the city requires owners of RVs and trailers to buy a 24-hour permit for every day they park on a city street, or face a $100 fine for each violation. Only residents can get the permit, which means those who live in RVs or motor homes can’t park on streets in Chula Vista.

In addition, bike lanes in California should be treated as full lanes if you are turning right, meaning you cannot turn right from the car lane by crossing over the bike lane.

Chula Vista Crime Statistics

Chula Vista’s most recent auto theft rate is 315.5 incidents per 100,000 people, vs. the U.S. average rate of 220.2 incidents per 100,000 people. According to, auto thefts make up about 16 percent of total crime in Chula Vista, with general theft making up the bulk, or 60 percent.

Chula Vista Safety Requirements

The California Office of Traffic Safety’s “Click It or Ticket” program was designed to ensure drivers get a ticket if they or their passengers do not wear safety belts. It is also illegal to text or talk on the phone while driving. Drivers can use hands-free devices. For bicyclists, helmets are not required by law except for minor children.

Chula Vista Impaired Driving Laws

According to the California Highway Patrol, a driver who is over the age of 21 will receive a DUI charge if his or her blood alcohol level is higher than 0.08 percent. For drivers under the age of 21, the limit is 0.01 percent. Offenders may be ordered to enroll in sober driving programs. However, some first-time offenders could face up to six months in jail as well as fines and court costs. Their licenses are also immediately suspended for up to one year.

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Swapping your high heels for a pair of driving shoes can help you qualify for affordable car insurance by avoiding accidents and getting "safer driver" discounts.

It's easier to get discounted car insurance with a car that has a high safety rating than one without one.

When you are looking for car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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