Who Has Affordable Santa Ana Car Insurance Rates for Real Estate Agents?

The words "bargain" and "auto insurance" probably shouldn't be used together, especially when you are shopping around for the best car insurance rates for real estate agents. Because it's so expensive, let's learn about some situations that determine car insurance premiums, and figure out some ideas to take a little off your next policy.

For realtors, one of the big components that are used to help calculate the cost of insurance is where your car is garaged in Santa Ana. More populated areas tend to pay more, whereas less populated areas tend to receive slightly lower rates.

The illustration below sorts the most expensive areas in California for real estate agents to buy an auto insurance policy in. Santa Ana ranks #17 with an annual premium of $1,439 for coverage, which is about $120 per month.

Premium amounts are estimated as specific Santa Ana zip code can change price quotes greatly.

The make and model of vehicle you are insuring is a large consideration when looking for the lowest-priced coverage for real estate agents. Vehicles with higher performance, a lack of safety features, or a history of substantial liability claims will cost significantly more to insure than more economical and safe models. The next table shows car insurance prices for a number of the more affordable automobiles to buy coverage for.

Price data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Information does not factor in vehicle location which can decrease or increase insurance rates greatly.

Looking at the data, cars like the Honda CR-V, Ford Escape, Toyota Prius, Volkswagen Jetta, and Jeep Grand Cherokee are likely to be some of the more affordable vehicles to insure for realtors.

Impact of careless driving on car insurance rates

A great way to snag good car insurance prices for realtors is to drive carefully and avoid accidents and traffic citations. The information below shows how violations and at-fault claims increase yearly insurance costs for different age groups. The premiums are based on a married male driver, comp and collision included, $500 deductibles, and no discounts are applied to the premium.

In the chart above, the average cost of car insurance in California per year with no accidents or violations is $1,768. Get written up for two speeding tickets and the average cost increases to $2,437, an increase of $669 each year. Now include one accident along with the two speeding tickets and the 12-month cost of car insurance for real estate agents goes up to an average of $3,106. That's an increase of $1,338, or $112 per month, just for not driving attentively!

Liability rates compared to full coverage

Saving money on car insurance is the goal of most people, and one of the fastest ways to pay less for insurance for real estate agents is to only buy liability insurance. The illustration below illustrates the comparison of yearly insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in California. The data is based on no accidents, no driving violations, $1,000 deductibles, single status, and no discounts are applied to the premium.

If the expense is averaged for all age categories, physical damage coverage costs $1,849 per year more than just buying liability insurance. That raises the question if paying for full coverage is a waste of money. There is no set guideline of when to phase out full coverage, but there is a guideline you can use. If the yearly cost of comp and collision coverage is 10% or more of replacement cost minus your deductible, then you might consider buying liability only.

For example, let's pretend your vehicle's claim settlement value is $12,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most you would receive is $11,000 after the deductible is paid. If it's costing you more than $1,100 a year for physical damage coverage, then it could be time to drop full coverage.

Why are you paying too much for car insurance?

Santa Ana, CA car insurance rates are influenced by many factors which can substantially change the cost of having a policy. Simply having a birthday, becoming a homeowner, or getting a ticket for careless driving can cause premium changes that can now make some companies more affordable than the competition. Not only that, but insurance companies change rates as needed to adjust for gains or losses. Higher than usual claims may result in increased policy costs, while a better loss history may produce lower-priced Santa Ana car insurance rates.

For instance, the chart below shows a variety of companies that have the cheapest car insurance in Santa Ana, CA for a 45-year-old male driver with a good driving record, no prior claims, and solid credit. Based on his current risk profile, USAA may have the lowest car insurance rates in Santa Ana at $1,262 a year. This is $389 less than the average price paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide are also included in the best Santa Ana, CA auto insurance companies.

In this example, we will give the driver from the above example a claim or two, a little lower credit rating, and a speeding ticket. Since each auto insurer has their own formula to establish rates, analyzing rate quotes will most likely result in a completely different list of cheap Santa Ana auto insurance companies as shown below.

Grange now has the best price on car insurance in Santa Ana with Allstate, Mercury, Allied, and Progressive also being competitive. This demonstrates why it is important to take the time to shop around when trying to find cheap car insurance rates for real estate agents.

Insurance rates are determined by many things and change substantially, so the most economical company when you last compared rates may now be wasting a lot of money.

Ideas to find more affordable car insurance for real estate agents

The list below summarizes a few penny-pinching solutions that can help Santa Ana drivers quote low-cost auto insurance.

• Try to remain claim-free
• The safer your car, the less it costs to insure
• Do not get into accidents that are your fault
• Insure your home and auto with the same company
• Do not get tickets
• Compare quotes from other companies often

The final tip is particularly crucial, as we pointed out in the prior article. Prices charged by car insurance companies can change considerably in a year, so don't be tentative to switch carriers if you find a cheaper price.

Brand loyalty is not necessarily bad, but it's not a good idea if that loyalty results in overpaying hundreds of dollars year after year. If you have a few minutes, now is a great time to shop around to find cheaper auto insurance for real estate agents in Santa Ana.

The professional agents shown below can probably answer your questions and help you decide which coverage meets your needs best, as lots of drivers aren't clear which coverage they need and would like to have professional advice when trying to find lower insurance rates for realtors. It can be hard to do it yourself, so getting professional guidance from a licensed agent can provide peace of mind knowing your policy gives you sufficient protection if you have a claim. To locate a Santa Ana auto insurance agent in your neighborhood, click the button at the bottom of the list or click here to compare price quotes now.

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