Save Money on Kia Optima Hybrid Insurance in Santa Ana

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Insurance quote for Kia Optima Hybrid in Santa AnaThe best way to save money on car insurance rates is to do an annual price comparison from insurance carriers that insure vehicles in Santa Ana.

  • Step 1: Learn about what coverages are included in your policy and the measures you can control to prevent high rates. Many things that cause high rates like traffic violations and poor credit history can be rectified by making small lifestyle or driving habit changes.
  • Step 2: Compare prices from direct, independent, and exclusive agents. Exclusive and direct companies can give quotes from a single company like Progressive and State Farm, while independent agencies can quote rates from multiple sources.
  • Step 3: Compare the new rate quotes to your existing policy to determine if switching companies saves money. If you find a lower rate, ensure there is no coverage lapse between policies.

A good tip to remember is to make sure you enter the same physical damage deductibles and liability limits on each quote and to quote with every insurance company. Doing this helps ensure a fair price comparison and a complete rate analysis.

It's well known that insurance companies don't want you to look for cheaper rates. Insureds who get comparison quotes at least once a year are very likely to buy a new policy because the odds are good of finding lower rate quotes. A recent auto insurance study discovered that drivers who regularly shopped around saved an average of $850 each year compared to drivers who never compared other company's rates.

If finding the best rates on insurance is the reason for your visit, then learning about how to shop and compare coverages can make it easier to shop your coverage around.

Companies offering Kia Optima Hybrid insurance in California

The companies shown below have been selected to offer quotes in California. If multiple companies are shown, it's a good idea that you visit several of them to get the best price comparison.

Check for these premium slashing discounts

Companies don't always publicize all their discounts in a way that's easy to find, so we researched some of the more common as well as some of the hidden credits available to bring down your rates.Car insurance discounts

  • Passive Restraints - Vehicles with factory air bags or automatic seat belts can get savings of 20% or more.
  • Distant Student - Kids who are enrolled in higher education away from home without a vehicle on campus may qualify for this discount.
  • Early Payment Discounts - By making one initial payment rather than spreading payments over time you could save up to 5%.
  • Claim-Free Discount - Insureds who avoid accidents and claims pay much less when compared with frequent claim filers.
  • Defensive Driver Discount - Participating in a course teaching defensive driving skills could earn you a small percentage discount if you qualify.
  • Sign Early and Save - A few insurance companies allow discounts for renewing your policy early. It's a savings of about 10%.
  • Policy Bundle Discount - If you have multiple policies with one company you could save up to 20% off your total Optima Hybrid insurance premium.

As a sidenote, some credits don't apply to the entire policy premium. Some only apply to specific coverage prices like liability and collision coverage. Just because you may think it's possible to get free car insurance, insurance companies wouldn't stay in business. But any discount will help reduce your car insurance premiums.

Popular car insurance companies and their possible discounts can be read below.

  • GEICO has discounts for multi-vehicle, federal employee, seat belt use, defensive driver, and emergency military deployment.
  • Travelers policyholders can earn discounts including IntelliDrive, continuous insurance, multi-car, early quote, good student, and payment discounts.
  • Farm Bureau may have discounts that include safe driver, good student, youthful driver, multi-policy, 55 and retired, driver training, and multi-vehicle.
  • Liberty Mutual offers discounts including hybrid vehicle, exclusive group savings, newly married, safety features, newly retired, and multi-car.
  • American Family includes discounts for good student, TimeAway discount, mySafetyValet, bundled insurance, good driver, Steer into Savings, and air bags.
  • Progressive has savings for multi-vehicle, multi-policy, homeowner, continuous coverage, online quote discount, and good student.

Before buying, ask each company which discounts you may be entitled to. All car insurance discounts may not be available in your area. To choose car insurance companies with significant discounts in Santa Ana, click here.

You Can Change Your Insurance Premiums

Lots of factors are used in the calculation when you get a price on insurance. Some are pretty understandable like a motor vehicle report, but other criteria are less apparent such as your marital status or your financial responsibility. An important part of buying insurance is that you know the factors that are used to determine your premiums. When you understand what positively or negatively impacts your premiums, this empowers consumers to make smart changes that may result in much lower annual insurance costs.

Shown below are some of the things that factor into prices.

Premiums drop with age - More experienced drivers are shown to be more cautious, cost insurance companies less in claims, and get fewer tickets. Teenage drivers have a tendency to be inattentive when at the wheel of a vehicle therefore auto insurance rates are much higher.

Continuous auto insurance coverage saves money - Letting your insurance expire is a quick way to increase your rates. Not only will you pay higher rates, the inability to provide proof of insurance could earn you fines and jail time.

Eliminate incidental coverages - Policies have additional extra coverages that you can get tricked into buying if you aren't careful. Coverages for replacement cost coverage, death and dismemberment, and membership fees may be wasting your money. They may seem like a good idea at first, but your money might be better spent on other coverage so think about removing them and cutting costs.

Increase physical damage deductibles to save - Comp and collision deductibles represent how much money you are willing to pay out-of-pocket if you file a covered claim. Insurance for physical damage, also known as collision and other-than-collision, insures against damage to your car. Some examples of covered claims would be rear-ending another vehicle, animal collisions, and damage caused by road hazards. The more you're willing to pay, the better rate you will receive.

Pleasure use or commuting - The higher the miles on your Kia each year the higher your rates will be. Many insurance companies apply a rate determined by how the vehicle is used. Autos used primarily for pleasure use get more affordable rates compared to those used for work or business. It's always a good idea to double check that your declarations sheet is showing how each vehicle is driven, because improper ratings can cost you money. Having the wrong rating on your Optima Hybrid may be wasting your money.

High claims frequency drives up premiums - Auto insurance companies in California provide the lowest premiums to policyholders who do not rely on their insurance for small claims. If you are a frequent claim filer, you can expect higher premiums or even policy non-renewal. Your insurance policy is designed for claims that pose a financial burden.

Can a thief steal your car? - Purchasing a vehicle with a theft deterrent system can earn a premium discount. Systems that thwart thieves like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent auto theft.

Insurance loss data for a Kia Optima Hybrid - Insurance companies use data from past claims to help set a rate to offset losses. Vehicles that the data determines to have higher losses will have higher rates for specific coverages.

The next table shows the compiled insurance loss statistics for Kia Optima Hybrid vehicles. For each coverage type, the claim amount for all vehicles averaged together is considered to be 100. Percentages below 100 are indicative of better than average losses, while values that are above 100 indicate a higher chance of having a claim or an increased chance of larger losses than average.

Kia Optima Hybrid Insurance Claim Statistics
Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Kia Optima Hybrid 143 115 116 139 158 151
BETTER
AVERAGE
WORSE

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

When to get professional advice

When quoting and comparing coverage online or from an agent for your vehicles, there really is not a perfect coverage plan. Everyone's situation is a little different so this has to be addressed.Drive safe and save For example, these questions can help discover whether or not you will benefit from professional help.

  • Can I make deliveries for my home business?
  • Will my insurance pay for OEM parts?
  • Does my policy cover my teen driver if they drive my company car?
  • How can I get high-risk coverage after a DUI?
  • Do I need to file an SR-22 for a DUI in California?
  • Am I covered while delivering pizza?
  • Exactly who is provided coverage by my policy?

If you can't answer these questions but you know they apply to you, you might consider talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area. It's fast, free and you can get the answers you need.

Car insurance agents near you

Many people still prefer to sit down and talk to an agent and that is a personal choice. Good agents can help you choose the best coverages and will help you if you have claims. One of the great benefits of comparing rate quotes online is that drivers can save money and get cheap rate quotes and also buy local.

Find insurance agent in Santa AnaOnce you complete this quick form, your insurance data is sent to agents in your area who will gladly provide quotes and help you find cheaper coverage. It simplifies rate comparisons since you won't have to contact any agents as quotes are delivered to you. If you want to compare prices from one company in particular, just navigate to their website and give them your coverage information.

Finding a good provider should depend on more than just a cheap price quote. These are valid questions to ask:

  • If your car is in the repair shop, do you have coverage for a rental car?
  • Are claims handled at the agent's location?
  • Are they able to provide referrals?
  • Do the agents have professional certifications like CPCU or CIC?
  • Will one accident increase rates?
  • Do they assist clients in filing claims?
  • Do they specialize in personal lines auto insurance in Santa Ana?

When searching for a local insurance agency, there are a couple of different agency structures that you can select. Insurance agencies in Santa Ana can either be exclusive or independent. Either type can properly insure your vehicles, but it's important to know the difference in how they write coverage since it may influence which type of agent you select.

Exclusive Car Insurance Agencies

Exclusive agents can usually just insure with one company like Allstate, State Farm and Farmers Insurance. They usually cannot compare other company's rates so you might not find the best rates. Exclusive agencies are usually quite knowledgeable on their company's products which can be an advantage. Consumers sometimes use the same exclusive agent partially due to the brand instead of buying on price only.

Below is a list of exclusive insurance agencies in Santa Ana who can help you get rate quotes.

More Santa Ana agents

Independent Agencies or Brokers

Agents in the independent channel often have affiliation with several companies and that is an advantage because they can write policies with many different companies and find you cheaper rates. If you are not satisfied with one company, the agent simply finds a different carrier and you don't have to switch agencies.

If you are comparing rate quotes, you need to get insurance quotes from a couple of independent agencies so that you have a good selection of quotes to compare. Many independent agencies also insure through smaller companies that can offer cheaper rates than bigger companies.

Listed below is a list of independent agents in Santa Ana that are able to give comparison quotes.

More Santa Ana agents

Once you have satisfactory answers to all your questions and an acceptable price quote, it's possible that you found an insurance agency that will properly service your car insurance policy. Just remember consumers can terminate your policy at any time so never feel that you are permanently stuck with a specific agent for the full policy term.

Santa Ana car insurance companies ranked

Picking the best auto insurance provider is difficult considering how many companies there are to choose from in California. The ranking data below can help you pick which car insurance providers you want to consider comparing price quotes from.

Santa Ana, California Car Insurance Company Rankings
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

One last thing to lower rates

Some companies may not provide the ability to get quotes online and many times these smaller companies provide coverage only through independent agents. Low-cost Kia Optima Hybrid insurance in Santa Ana can be found both online as well as from insurance agents, and you need to comparison shop both to get a complete price analysis.

We just covered some good ideas how you can find cheaper Kia Optima Hybrid insurance in Santa Ana. The key concept to understand is the more quotes you get, the better chance you'll have of finding low cost Santa Ana auto insurance quotes. Consumers may even find the most savings is with a lesser-known regional company. Regional companies may have significantly lower prices on certain market segments as compared to the big name companies such as Allstate and Progressive.

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