Save on Nissan Rogue Insurance in Santa Ana

Unbelievably, most drivers have remained with the same car insurance company for a minimum of four years, and almost half have never taken the time to shop around. Santa Ana insurance shoppers could save an average of 35% each year just by getting comparison quotes, but they just don't want to compare rates.

Really, the only way to find the cheapest price for car insurance rates in Santa Ana is to regularly compare prices from providers who can sell car insurance in California.

First, take a few minutes and learn about how companies price auto insurance and the changes you can make to prevent high rates. Many risk factors that increase rates such as traffic citations and a not-so-good credit score can be rectified by making lifestyle changes or driving safer. Keep reading for information to help reduce prices and find available discounts that you may qualify for.

Second, request price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can give quotes from a single company like Progressive or Farmers Insurance, while agents who are independent can quote rates for many different companies. Compare rates

Third, compare the new rate quotes to the price on your current policy to see if you can save by switching companies. If you find a lower rate and change companies, make sure there is no coverage gap between policies.

Fourth, give notification to your current company of your decision to cancel your current coverage. Submit a signed application and payment to your new carrier. As soon as you receive it, place your new proof of insurance paperwork in an accessible location in your vehicle.

One important bit of advice is to use the same deductibles and limits on every price quote and and to get quotes from as many different insurance providers as possible. This provides the most accurate price comparison and a good representation of prices.

If you have a current auto insurance policy or are looking for a new policy, use these techniques to cut your premiums without sacrificing coverage. Locating the most cost-effective auto insurance policy in Santa Ana is actually not that difficult if you follow our advice. You just have to learn the best way to compare insurance rates over the internet.

Best Nissan Rogue insurance rate quotes in California

The following companies are our best choices to provide quotes in Santa Ana, CA. If multiple providers are shown, it's highly recommended you visit several of them to get the most competitive price.

Insurance coverage analysis

The coverage information shown next covers a range of prices for Nissan Rogue models. Learning more about how policy rates are determined can be valuable when making decisions on the best policy to buy.

Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Rate quotes do not factor in the specific area where the vehicle is garaged which can alter coverage rates significantly.

Higher deductibles lower rates

One of the more difficult decisions when buying insurance is what deductibles to buy. The data tables below can help show the rate difference when you choose different insurance deductibles. The first data table uses a $100 physical damage coverage deductible and the second set of prices uses a $1,000 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Price estimates do not factor in the specific area where the vehicle is garaged which can lower or raise prices substantially.

Based on the above data, using a $100 deductible will cost you roughly $45 more each month or $540 each year across all Nissan Rogue models than requesting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you go more than 20 months between claims, you would more than likely save some money if you choose a higher deductible. The table below shows an example of how you can come to your own conclusion.

One thing to note is that raising deductibles to save money means you pay more out-of-pocket when you have a comprehensive or collision claim. You need to have enough money in the bank in the event you have to pay the deductible.

Illustration showing the impact of accidents and violations

The illustration below highlights how speeding tickets and accident claims can raise Nissan Rogue car insurance rates for different age categories. The premium estimates are based on a married male driver, comprehensive and collision coverage, $500 deductibles, and no additional discounts are factored in.

Insurance premiums based on gender

The diagram below illustrates the difference between Nissan Rogue yearly insurance costs for male and female drivers. The prices are based on a clean driving record, no claims, comp and collision included, $100 deductibles, marital status is single, and no discounts are applied to the premium.

Should you buy full coverage?

The information below visualizes the comparison of Nissan Rogue yearly insurance costs with and without full coverage. The premiums are based on no claims or driving citations, $1,000 deductibles, marital status is single, and no additional discounts are factored in.

Guidelines for eliminating full coverage

There is no set guideline to stop buying full coverage on your policy, but there is a guideline you can use. If the annual cost of coverage is about 10% or more of any settlement you would receive from your insurance company, then it could be time to drop full coverage.

For example, let's pretend your Nissan Rogue replacement value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, you would only receive $3,000 after paying the physical damage deductible. If you are paying over $300 annually to have full coverage, then you might want to consider buying only liability coverage.

There are a few cases where buying only liability insurance is not recommended. If you still have a loan on your vehicle, you have to carry full coverage in order to prevent your loan from defaulting. Also, if you don't have enough money to buy a different vehicle in the even your car is totaled, you should keep full coverage on your policy.

Companies offer money-saving discounts on Nissan Rogue insurance in Santa Ana

Insurance is neither fun to buy or cheap, but companies offer discounts that many consumers don't even know exist. Most are applied when you purchase, but occasionally some discounts must be specifically requested before being credited.

• Safety Course Discount - Completing a driver safety course could save 5% or more and also improve your driving technique.
• Include Life Insurance and Save - Not all companies offer life insurance, but some may give you a small discount if you purchase some life insurance too.
• Distant Student - Kids who are enrolled in a college that is more than 100 miles from Santa Ana and leave their car at home may be insured at a cheaper rate.
• Seat Belt Discounts - Requiring all passengers to buckle up could save 15% off the PIP or medical payment premium.
• Sign Online - A few larger online companies provide a small discount for completing your application digitally online.
• Multiple Vehicles - Insuring primary and secondary vehicles with one company can reduce the rates for all insured vehicles.

Discounts save money, but please remember that many deductions do not apply to the entire policy premium. Most cut individual premiums such as liability and collision coverage. So even though it sounds like you could get a free insurance policy, company stockholders wouldn't be very happy.

The illustration below compares Nissan Rogue annual premium costs with and without discounts applied. The prices are based on a female driver, no claims or violations, California state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, multi-car, safe-driver, claim-free, and marriage discounts applied.

Some of the larger companies that may offer quotes with some of the above discounts include:

• GEICO
• MetLife
• Progressive
• Travelers
• SAFECO
• AAA

Double check with every prospective company which discounts they offer. Depending on the company, some discounts may not apply to policyholders in Santa Ana. To choose insurance companies who offer insurance discounts in Santa Ana, click here.

Local Santa Ana car insurance agents

A small number of people just prefer to sit down with an agent and that is a smart decision Professional insurance agents can help you choose the best coverages and will help you if you have claims. One of the best bonuses of getting online price quotes is that drivers can save money and get lower prices and still buy from a local agent. Buying from and supporting local insurance agents is important especially in Santa Ana.

To make it easy to find an agent, after completing this short form, your insurance coverage information is sent to local insurance agents in Santa Ana who will return price quotes for your coverage. You won't even need to search for any insurance agencies as quotes are delivered instantly to you. In the event you want to get a comparison quote for a specific company, feel free to jump over to their website and complete a quote there.

If you need to find a local agent, it's important to understand the types of insurance agents that you can select. Agencies in Santa Ana can be classified as either independent or exclusive. Both types of agents can handle auto insurance, but it's a good idea to understand why they differ since it can impact the selection process.

Independent Auto Insurance Agents (or Brokers)

Agents that choose to be independent do not write with just one company and that allows them to write policies with a variety of different insurance companies and help determine which has the cheapest rates. If premiums increase, they can switch companies in-house and that require little work on your part. If you need lower rates, it's recommended you check rates from at least one independent agent to maximize your price options.

Listed below are independent agents in Santa Ana who may provide free auto insurance rate quotes.

More Santa Ana agents

Exclusive Agents

These type of agents have only one company to place business with and examples are State Farm, AAA, and Liberty Mutual. These agents are not able to give you multiple price quotes so they have to upsell other benefits. These agents receive extensive training on their company's products which helps them sell insurance even at higher premiums.

Shown below are exclusive insurance agencies in Santa Ana that are able to give price quote information.

More Santa Ana agents

Finding a good car insurance agent shouldn't rely on just the price. You should also get answers to these questions.

• Is the agency active in community causes in Santa Ana?
• How is replacement cost determined on your vehicle?
• Can you contact them at any time?
• How are they compensated?
• Do they write coverage based solely on cost?
• How often do they review coverages?
• Does the agency have a good rating with the Better Business Bureau?
• Does the company use OEM repair parts?

After talking to the agent and getting reasonable responses to these questions and an affordable coverage quote, you have narrowed it down to an insurance agency that meets the requirements to adequately provide auto insurance. Just be aware that policyholders can cancel your policy at any point so don't feel that you're stuck with any specific company for the full term.

Specific coverage details

Understanding the coverages of your policy can help you determine the right coverages for your vehicles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. These are the usual coverages offered by car insurance companies.

Comprehensive auto coverage - Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like vandalism, rock chips in glass, fire damage and damage from flooding. The most a car insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Liability coverages - Liability coverage protects you from damage or injury you incur to a person or their property by causing an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 15/30/5 that means you have $15,000 bodily injury coverage, $30,000 for the entire accident, and a limit of $5,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers claims such as pain and suffering, medical expenses and loss of income. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford. California state law requires minimum liability limits of 15/30/5 but you should think about purchasing higher limits.

The next chart demonstrates why minimum state limits may not be high enough to adequately cover claims.

UM/UIM (Uninsured/Underinsured Motorist) coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don't have enough coverage. Covered claims include medical payments for you and your occupants as well as damage to your Nissan Rogue.

Since many California drivers only purchase the least amount of liability that is required (which is 15/30/5), it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time the UM/UIM limits are set the same as your liability limits.

Medical payments and PIP coverage - Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like prosthetic devices, surgery, chiropractic care and EMT expenses. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Collision coverage - This coverage pays to fix your vehicle from damage resulting from a collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as colliding with another moving vehicle, colliding with a tree and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible on your Rogue to bring the cost down.

More comparisons equals cheap rates

Budget-conscious Nissan Rogue insurance can be bought online as well as from independent agents in Santa Ana, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance companies may not offer online price quotes and many times these regional carriers only sell coverage through independent agents.

As you restructure your insurance plan, never reduce needed coverages to save money. In many instances, drivers have reduced collision coverage and learned later that it was a big error on their part. The aim is to buy the best coverage you can find at the best possible price, not the least amount of coverage.

Much more information about insurance in California is located at the links below

• Drunk Driving Statistics (Insurance Information Institute)
• Dangers of fake or stolen airbags (Insurance Institute for Highway Safety)
• Your Car has been Stolen: Now What? (Allstate)
• Insurance Losses by Make and Model (iihs.org)