It's an obvious assumption that insurance companies don't want customers comparing rates. Insureds who perform rate comparisons are inclined to switch to a new company because there is a significant possibility of finding more affordable rates. A recent auto insurance study discovered that consumers who compared rate quotes regularly saved as much as $70 a month compared to other drivers who never compared other company's rates.
If finding low prices for Honda Element insurance in Santa Ana is why you're here, then having some insight into the best way to shop and compare insurance premiums can help simplify the process.
It takes a few minutes, but the best way to get cheaper Honda Element insurance in Santa Ana is to compare prices annually from insurance carriers who provide auto insurance in California.
- First, gain an understanding of how auto insurance works and the measures you can take to keep rates down. Many risk factors that cause high rates like high-risk driving behaviors and a low credit score can be remedied by making minor changes to your lifestyle. Keep reading for information to help reduce prices and get discounts that may be available to you.
- Second, obtain price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give prices from one company like GEICO or Farmers Insurance, while agents who are independent can provide price quotes from many different companies.
- Third, compare the new rate quotes to your existing policy to see if cheaper Element coverage is available. If you find a lower rate, make sure coverage does not lapse between policies.
A good tip to remember is that you'll want to make sure you compare the same deductibles and limits on each quote request and and to get quotes from as many companies as feasibly possible. Doing this provides an apples-to-apples comparison and plenty of rates choose from.
Finding the cheapest car insurance coverage in Santa Ana can really be easy if you know what you're doing. If you have car insurance now, you should be able to shop for the lowest rates using the tips covered below. Although California car owners must learn the way insurance companies calculate your policy premium and use it to find better rates.
How Your Element Insurance Prices are Determined
Many factors are used in the calculation when premium rates are determined. Most are fairly basic like a motor vehicle report, although some other factors are less apparent like where you live or your commute time.
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Affects performance affects auto insurance prices - The make and model of the car, truck or SUV you are trying to find cheaper insurance for makes a big difference in your premium level. Small economy passenger vehicles generally receive the lowest base rates, but there are many factors that impact the final cost.
The following data assumes a single male driver age 30, full coverage with $1000 deductibles, and no discounts or violations. It compares Honda Element insurance premiums compared to other models of vehicles that have different performance rating factors.
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Avoid traffic tickets - Good drivers pay less for auto insurance than bad drivers. Even one speeding ticket or other violation can increase rates by as much as twenty percent. People who have serious violations such as hit and run, DWI or reckless driving convictions may need to file a SR-22 with the DMV in their state in order to keep their license.
The example below illustrates how speeding tickets and fender-benders raise Honda Element insurance costs for different age groups. The data assumes a married male driver, full physical damage coverage, $100 deductibles, and no policy discounts are applied.
- How many coverages with the same company - Most major companies afford better rates to policyholders that buy multiple policies, otherwise known as a multi-policy discount. Discounts can be 10 percent or more. If you currently are using one company, drivers will still want to comparison shop to make sure you are getting the best deal.
- Get married and get better prices - Being married may cut your premiums compared to being single. Having a spouse usually means you are more mature and responsible and it's statistically proven that drivers who are married file infrequent claims.
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Youthful drivers cost more - Beginning drivers in California are statistically shown to be easily distracted in a vehicle so auto insurance rates are higher. Older people are more cautious drivers, are lower risk to insure, and are generally more financially stable.
The following data uses these variables: single driver, full coverage with $250 deductibles, and no discounts or violations.
Insurance coverage analysis
The price information shown next highlights a range of rate quotes for Honda Element models. Being more informed about how insurance policy premiums are calculated can benefit drivers when making smart choices when buying a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Element LX 2WD | $214 | $386 | $416 | $24 | $124 | $1,164 | $97 |
| Element LX 4WD | $214 | $386 | $416 | $24 | $124 | $1,164 | $97 |
| Element EX 2WD | $214 | $386 | $416 | $24 | $124 | $1,164 | $97 |
| Element EX 4WD | $214 | $386 | $416 | $24 | $124 | $1,164 | $97 |
| Element SC 2WD | $214 | $386 | $416 | $24 | $124 | $1,164 | $97 |
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Premium data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Price estimates do not factor in vehicle location which can raise or lower coverage rates considerably.
Insurance rates by gender and age in Santa Ana
The chart below compares Honda Element yearly insurance costs for male and female drivers. The premiums assume no claims or driving citations, full coverage, $250 deductibles, single status, and no policy discounts are applied.
Companies offer many types of discounts on Honda Element insurance in Santa Ana
Some insurers don't always publicize all discounts very clearly, so the following is a list of some of the best known in addition to some of the lesser obvious discounts that you can inquire about if you buy Santa Ana car insurance online.
- Pay Early and Save - By paying your policy upfront as opposed to paying monthly you could save 5% or more.
- Safety Restraint Discount - Drivers who require all vehicle occupants to wear their seat belts can save up to 10 percent (depending on the company) off the personal injury premium cost.
- Membership in Organizations - Being in a professional or civic organization may earn a discount on your policy.
- ABS Brakes - Cars and trucks with ABS and/or traction control can stop better under adverse conditions and the ABS can save up to 10%.
- Santa Ana Homeowners Discount - Being a homeowner can earn you a little savings because of the fact that having a home is proof of financial responsibility.
- Military Discounts - Having a deployed family member could trigger a small discount.
- Good Student - Maintaining excellent grades could provide a savings of up to 20% or more. Many companies even apply the discount to college students up until you turn 25.
- Auto/Life Discount - Insurance companies who offer life insurance give a break if you buy some life insurance too.
- E-sign - A few insurance companies may give you up to $50 simply for signing on the internet.
Policy discounts save money, but most of the big mark downs will not be given to the entire cost. Some only apply to specific coverage prices like comp or med pay. So despite the fact that it appears adding up those discounts means a free policy, it's just not the way it works. Any qualifying discounts will definitely lower the amount you have to pay.
The diagram below compares Honda Element car insurance rates with and without some available policy discounts. The data is based on a male driver, no claims or driving citations, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, claim-free, homeowner, multi-policy, and multi-car discounts applied.
Some of the larger companies that have many of the previously listed discounts possibly include:
If you are trying to find the cheapest Honda Element rate quotes, ask each company or agent the best way to save money. Some discounts might not be available to policyholders in every state.
How to find a good Santa Ana auto insurance company
Picking the top car insurance provider can be challenging considering how many companies are available to choose from in Santa Ana. The ranking data in the next section could help you analyze which providers you want to consider purchasing from.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
You can lower your auto insurance rates
You just learned a lot of techniques to shop for Honda Element insurance online. The key thing to remember is the more quotes you get, the better chance you'll have of finding inexpensive Santa Ana car insurance quotes. Consumers could even find that the biggest savings come from the smaller companies. Regional companies may often insure only within specific states and give better rates than the large multi-state companies such as GEICO and State Farm.
Cheap Honda Element insurance in Santa Ana can be found from both online companies and with local Santa Ana insurance agents, so you should compare both to have the best selection. Some auto insurance companies do not offer price quotes online and many times these smaller companies sell through local independent agencies.
More resources
- Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)
- Who Has the Cheapest Auto Insurance for a Honda Civic in Santa Ana? (FAQ)
- How Much is Santa Ana Car Insurance for College Graduates? (FAQ)
- Who Has Cheap Auto Insurance Quotes for a Jeep Wrangler in Santa Ana? (FAQ)
- Auto Insurance 101 (About.com)
- Cellphones, Texting and Driving (iihs.org)