The words "low-cost" and "insurance" really shouldn't be used in the same sentence, specifically when you are shopping around for the best price on coverage for used cars. In an attempt to save some money, let's open your eyes to a few of the things the can have a considerable influence on insurance premiums, and come up with some ways to lower the cost of your next policy.
The make and model of vehicle you are insuring is a significant factor when quoting cheaper coverage for used cars. Vehicles with economical engines, a plethora of safety features, or a low likelihood of having liability claims will cost quite a bit less to insure than adrenaline junky models.
The next list illustrates coverage prices for a number of the cheapest vehicles to buy insurance for.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 4WD | $967 |
| Honda CR-V EX 4WD | $1,084 |
| Honda Accord LX-P 4-Dr Sedan | $1,093 |
| Toyota RAV4 Sport 4WD | $1,144 |
| GMC Sierra SLE Crew Cab 2WD | $1,152 |
| Jeep Wrangler Rubicon 4WD 2-Dr | $1,184 |
| Honda Odyssey EX-L W/Rear Entertainment | $1,206 |
| Chevrolet Impala LTZ | $1,215 |
| Nissan Altima 2.5 S 4-Dr Sedan | $1,206 |
| Ford Edge Sport AWD | $1,216 |
| Toyota Prius | $1,211 |
| Jeep Grand Cherokee SRT-8 4WD | $1,228 |
| Nissan Rogue SL 2WD | $1,238 |
| Toyota Camry LE | $1,255 |
| Chevrolet Equinox LS AWD | $1,261 |
| Chevrolet Silverado 3500HD LTZ Crew Cab 2WD | $1,270 |
| Ford Explorer Eddie Bauer AWD | $1,279 |
| Find Cheaper Rates Go | |
Data rating is based on single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Information does not factor in garaging location in Santa Ana, CA which can raise or lower premium rates noticeably.
Based on these rates, vehicles like the Ford Escape, Honda CR-V, Honda Accord, and Toyota RAV4 are likely to be a few of the more affordable vehicles to insure for pre-owned vehicles.
For pre-owned vehicles, one of the big factors that are looked at to determine the annual cost of car insurance is where you live in Santa Ana. Areas with a lot of weather claims or more people are more likely to have higher rates, whereas less populated areas can boast about having cheaper rates.
The following table rates the priciest cities in California for used cars to buy auto insurance in. Santa Ana ranks #16 with a yearly cost of $1,439 for coverage, which is around $120 per month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Los Angeles | $2,104 |
| 2 | Glendale | $2,079 |
| 3 | Oakland | $1,738 |
| 4 | Sacramento | $1,720 |
| 5 | San Francisco | $1,711 |
| 6 | San Bernardino | $1,644 |
| 7 | Santa Clarita | $1,580 |
| 8 | Long Beach | $1,578 |
| 9 | Moreno Valley | $1,551 |
| 10 | Stockton | $1,541 |
| 11 | Fontana | $1,535 |
| 12 | Garden Grove | $1,524 |
| 13 | Fresno | $1,502 |
| 14 | Modesto | $1,502 |
| 15 | Riverside | $1,497 |
| 16 | Santa Ana | $1,439 |
| 17 | San Jose | $1,437 |
| 18 | Anaheim | $1,430 |
| 19 | Fremont | $1,389 |
| 20 | Irvine | $1,371 |
| Find Cheaper Insurance Go | ||
Rates are approximated as the garaging address in Santa Ana can change rates substantially.
Get discounts on Santa Ana car insurance rates
Insurance companies that provide coverage for used cars could also offer premium discounts that could potentially reduce rates by as much as 40% or more if you meet eligibility requirements. Larger auto insurance companies and their possible discounts can be found below.
- GEICO may offer discounts for air bags, anti-theft, military active duty, membership and employees, multi-vehicle, and anti-lock brakes.
- Travelers includes discounts for save driver, home ownership, early quote, IntelliDrive, and driver training.
- Farm Bureau has savings for renewal discount, youthful driver, safe driver, good student, and driver training.
- Liberty Mutual offers discounts including new graduate, newly retired, preferred payment discount, new move discount, newly married, good student, and multi-car.
- American Family may include discounts for defensive driver, good driver, air bags, good student, multi-vehicle, mySafetyValet, and Steer into Savings.
- Progressive discounts include good student, homeowner, multi-vehicle, multi-policy, online signing, and continuous coverage.
The information below shows the comparison of insurance costs with and without discounts applied to the premium. The price estimates are based on a female driver, no tickets, no at-fault accidents, California state minimum liability limits, full coverage, and $500 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second shows the rates with claim-free, multiple vehicle, defensive driving course, multiple policy, safe-driver, and homeowner discounts applied. When discounts are factored in, theamount saved on auto insurance for used cars is 28% or $549.
Picking the highest-rated insurer is difficult considering how many different insurance companies sell coverage in Santa Ana. The rank data in the lists below could help you choose which car insurance providers to look at when comparing insurance rates for used cars. These ratings are for companies with a nationwide focus, so companies that have a smaller presence will not be included in this list.
Top 10 Major Auto Insurance Providers in Santa Ana Ranked by Customer Satisfaction
- Titan Insurance - 95%
- USAA - 94%
- AAA of Southern California - 92%
- AAA Insurance - 91%
- Nationwide - 90%
- State Farm - 90%
- The Hartford - 89%
- GEICO - 89%
- The General - 88%
- 21st Century - 88%
Top 10 Major Auto Insurance Providers in Santa Ana Ranked by Customer Service
- AAA of Southern California
- GEICO
- State Farm
- The Hartford
- Mercury Insurance
- The General
- Progressive
- Allstate
- AAA Insurance
- American Family
You are probably paying too much for car insurance
Santa Ana auto insurance rates are impacted by many factors which can substantially change the cost of coverage. Simply getting older, buying a home, or getting a ticket for running a stop sign can trigger price changes that can make some companies more affordable than competitors. Additionally, insurers file new rates without warning as an adjustment for underwriting gains or losses. A period of higher than normal claims may result in rate increases, while a better claims history can result in cheaper Santa Ana car insurance rates.
As an example, the data below shows a variety of companies that have the cheapest car insurance in Santa Ana, CA for a 40-year-old male driver with a good driving record, no prior claims, and a good credit history. When quoting prices based on his personal profile, USAA might offer the most affordable car insurance rates in Santa Ana at $1,230 per year. This is $421 less than the average rate paid by California drivers of $1,651. Wawanesa, Century National, Nationwide, and CSAA are the remaining cheapest Santa Ana, CA auto insurance companies.
The next chart shows rates after we give the driver from the first set of rates a claim, a lower credit rating, and a speeding citation. Due to the fact that every insurance company has a different process for determining rates in each state, getting updated rate quotes may result in a different set of affordable companies as shown below.
Grange now has the cheapest rate in Santa Ana, CA with Progressive, Allstate, GEICO, and Mercury completing the list. This illustrates why consumers need to take the time to shop around with many companies to get the most affordable insurance rates for used cars.
Insurance prices can be determined by many risk factors and change frequently, so the best price a year ago may now be quite expensive.