Unbelievably, a large majority of consumers have stayed with the same insurance company for over three years, and approximately 38% of consumers have never taken the time to shop around. With the average premium in the United States being $1,847, drivers could save themselves roughly $850 a year just by getting comparison quotes, but they just don't want to compare rates.
If you want to save the most money, the best way to find more affordable Buick Rendezvous insurance is to do a yearly price comparison from companies that sell auto insurance in Santa Ana. You can shop around by completing these steps.
First, take a little time to learn about how your policy works and the changes you can make to prevent expensive coverage. Many rating factors that result in higher rates such as traffic tickets, fender benders, and a not-so-good credit history can be improved by making minor changes in your lifestyle. Read the full article for additional ideas to help prevent expensive coverage and get additional discounts.
Second, compare price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only quote rates from one company like Progressive or Allstate, while independent agents can give you price quotes from multiple sources.
Third, compare the new rate quotes to your existing policy to see if a cheaper rate is available in Santa Ana. If you find a better price, make sure there is no coverage gap between policies.
Fourth, notify your company or agent to cancel your current car insurance policy. Submit a down payment and signed policy application to your new carrier. Be sure to keep the new proof of insurance certificate along with the vehicle's registration papers.
An important note is that you'll want to compare identical limits and deductibles on every quote and and to look at every insurance company. This provides a fair rate comparison and a complete rate analysis.
Most of the larger companies make it easy to get price estimates on their websites. Getting online quotes for Buick Rendezvous insurance in Santa Ana is quite easy because you just enter your coverage preferences as requested by the quote form. Once you submit the form, the quote system automatically orders your credit score and driving record and returns a price based on these and other factors. Quoting online for Buick Rendezvous insurance in Santa Ana makes it simple to compare prices and it's also necessary to compare as many rates as possible if you want to get the lowest payment.
To quickly find out if lower rates are available, check out the auto insurance providers below. If you have your current policy handy, we recommend that you enter the coverages as shown on your current policy. Doing this assures you will get rate comparison quotes based on identical coverages.
The companies shown below are ready to provide free rate quotes in Santa Ana, CA. If several companies are displayed, it's highly recommended you compare several of them to get a more complete price comparison.
Three good reasons to insure your Buick vehicle
Even though it's not necessarily cheap to insure a Buick in Santa Ana, insuring your vehicle serves an important purpose.
First, almost all states have compulsory liability insurance requirements which means the state requires a specific minimum amount of liability coverage if you don't want to risk a ticket. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if you took out a loan on your vehicle, most banks will make it a condition of the loan that you have full coverage to guarantee their interest in the vehicle. If coverage lapses or is canceled, the lender may insure your Buick for a lot more money and force you to pay the higher price.
Third, auto insurance preserves not only your Buick Rendezvous but also your assets. It will also pay for all forms of medical expenses that are the result of an accident. As part of your policy, liability insurance will also pay attorney fees if anyone sues you for causing an accident. If your car is damaged in a storm or accident, comprehensive and/or collision insurance will cover the damage repairs after a deductible is paid.
The benefits of having auto insurance are definitely more than the cost, especially for larger claims. According to a recent study, the average American driver is wasting up to $865 each year so it's important to compare rates each time the policy renews to help ensure money is not being wasted.
You may qualify for discounts for Buick Rendezvous insurance in Santa Ana
Some insurers don't list every possible discount very well, so the following is a list of a few of the more common as well as the least known discounts you could be receiving when you buy Santa Ana car insurance online.
- Claim Free - Insureds who avoid accidents and claims pay less in comparison to accident-prone drivers.
- Buy New and Save - Buying a new car instead of a used Rendezvous can save you some money since newer models have better safety ratings.
- Driver's Ed - Cut your cost by having your teen driver complete a driver education course in school.
- College Student Discount - Youth drivers who live away from home to go to college and won't have access to an insured vehicle could get you a discount.
- Federal Employees - Being employed by or retired from a federal job may reduce rates when you quote Santa Ana car insurance with a few auto insurance companies.
- Online Discount - Many larger companies will give you a small discount for signing up on the internet.
- Santa Ana Homeowners Pay Less - Just being a homeowner can earn you a little savings because it requires personal responsibility.
- Accident Forgiveness - This isn't a discount exactly, but certain companies will let one accident slide before raising your premiums as long as you don't have any claims before the accident.
Remember that most discount credits are not given to the entire policy premium. A few only apply to specific coverage prices like comprehensive or collision. Despite the appearance that all the discounts add up to a free policy, company stockholders wouldn't be very happy.
The best auto insurance companies and the discounts they provide can be read below.
- GEICO has discounts for anti-theft, emergency military deployment, anti-lock brakes, good student, military active duty, driver training, and multi-vehicle.
- MetLife may include discounts for accident-free, claim-free, multi-policy, defensive driver, good student, good driver
- Progressive policyholders can earn discounts including homeowner, online signing, online quote discount, multi-policy, and multi-vehicle.
- Travelers discounts include multi-policy, continuous insurance, multi-car, early quote, payment discounts, and driver training.
- SAFECO offers discounts for anti-lock brakes, anti-theft, teen safe driver, accident prevention training, and bundle discounts.
- AAA offers premium reductions for good student, education and occupation, good driver, pay-in-full, multi-policy, AAA membership discount, and multi-car.
When getting a coverage quote, ask each insurance company to apply every possible discount. All car insurance discounts may not be offered everywhere. To see a list of providers who offer auto insurance discounts in California, follow this link.
When to get professional advice
When it comes to buying the best insurance coverage for your vehicles, there really is not a "best" method to buy coverage. Every situation is different so this has to be addressed.
For example, these questions can help discover if your insurance needs might need professional guidance.
- What companies insure drivers after a DUI or DWI?
- What does UM/UIM cover?
- What can I do if my company won't pay a claim?
- Is my camper covered for physical damage?
- Are there any extra discounts I can get?
- When should I drop full coverage on my Buick Rendezvous?
- What is an adequate liability insurance limit?
- Am I covered when driving on a suspended license?
- Should I have combined single limit or split liability limits?
If you don't know the answers to these questions, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It's fast, doesn't cost anything and you can get the answers you need.
California car insurance companies
Ending up with the best auto insurance provider can be rather challenging considering how many different companies there are to choose from in Santa Ana. The company rank data in the lists below can help you choose which companies you want to consider shopping your coverage with.
Top 10 Santa Ana Car Insurance Companies Ranked by Claims Service
- AAA of Southern California
- State Farm
- Esurance
- AAA Insurance
- Progressive
- Liberty Mutual
- GEICO
- Allstate
- Titan Insurance
- The Hartford