Save Money on Kia Rio Insurance in Santa Ana

Tired of not being able to scrape enough together each month for auto insurance? You have the same problem as the majority of other drivers in California.

Unbelievable but true, over 70% of drivers kept buying from the same company for four years or more, and almost 40% of drivers have never quoted rates to find lower-cost coverage. Many consumers in Santa Ana could save themselves $469 a year, but most tend to underestimate how much savings they would realize if they just switched companies. Drivers have multiple auto insurance companies to purchase coverage from, and although it's a good thing to have a selection, more choices can make it harder to compare rates and find the lowest cost auto insurance.

Getting more affordable auto insurance pricing is actually easier than you may think. Drivers just need to take a couple of minutes to get quotes provided by online insurance companies.

It's so fast and easy to compare rates online that it takes the place of having to call or drive to all the different Santa Ana insurance agencies. The internet eliminates the middleman unless you have a need for the peace of mind that you can only get from talking to an agent. If you prefer, some companies allow you to price shop online and get advice from an agent in your area.

The companies shown below have been selected to offer price quotes in Santa Ana, CA. If several companies are displayed, we recommend you visit several of them to find the cheapest car insurance rates.

Coverage information

The rate information shown below highlights estimates of insurance premium costs for Kia Rio models. Learning as much as possible about how insurance prices are formulated can assist in making smart choices when purchasing an auto insurance policy.

Data variables include single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Premium costs do not factor in Santa Ana location which can modify premium rates considerably.

Physical damage deductibles: Should you raise them?

One of the most common insurance questions is which deductibles should you choose. The following insurance rates summarize how much more rates are between high and low comp and collision deductibles. The first pricing table uses a $100 physical damage deductible and the second price grid uses a $500 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Estimates do not factor in Santa Ana location which can alter insurance rates noticeably.

Based on this data, using a $100 deductible will cost you about $30 more each month or $360 each year averaged for all Rio models than quoting the higher $500 deductible. Since you would pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you tend to have at a minimum 13 months between claims, you would probably come out ahead by going with a higher deductible. The table below illustrates how this calculation is made.

One important note is that higher deductibles results in having to pay to pay more out-of-pocket at claim time. You should have enough disposable savings in the event you have to pay the higher deductible in order to repair your vehicle.

The illustration below illustrates how your choice of deductibles and can raise or lower Kia Rio insurance costs for different age groups. The information is based on a married female driver, full coverage, and no additional discounts are factored in.

Rate increases following a ticket or accident

The example below shows how violations and at-fault claims can affect Kia Rio yearly insurance costs for different age categories. The premium estimates are based on a married male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are factored in.

Full coverage or liability only

The diagram below illustrates the difference between Kia Rio annual premium costs with and without full coverage. The premiums assume no accidents, no driving violations, $250 deductibles, drivers are not married, and no discounts are applied.

Guidelines for dropping full coverage

There is no set rule that is best for determining when to drop full coverage on your policy, but there is a general guideline. If the annual cost of your full coverage insurance is 10% or more of the replacement cost minus the deductible, then you might want to consider buying only liability coverage.

For example, let's assume your Kia Rio book value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $8,000 after paying your deductible. If you are currently paying more than $800 annually for comprehensive and collision coverage, then you might consider buying liability only.

There are some scenarios where removing full coverage is not advised. If you haven't paid off your loan, you have to keep full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not drop full coverage.

Santa Ana insurance discounts for a Kia Rio

Some companies don't always publicize every discount available in an easy-to-find place, so here is a list some of the best known and also the lesser-known discounts you could be receiving when you buy Santa Ana auto insurance online.

• Passive Restraint Discount - Options like air bags or motorized seat belts can qualify for discounts of 20 to 30 percent.
• Organization Discounts - Belonging to qualifying employment or professional organizations could qualify you for a break on your policy.
• Discount for Low Mileage - Keeping the miles down on your Kia may enable drivers to earn cheaper premium rates.
• Good Driver Discount - Drivers who avoid accidents may save up to 50% more than drivers with accidents.
• Early Payment Discounts - By paying your entire bill at once rather than paying monthly you may have a lower total premium amount.
• Distant Student - Children who live away from home to go to college and do not take a car to college may be able to be covered for less.
• Senior Citizen Rates - If you're over the age of 55, you could receive a discount up to 10%.
• Student Driver Training - Make teen driver coverage more affordable by requiring them to complete a driver education course as it will make them better drivers and lower rates.

As a footnote on discounts, many deductions do not apply to your bottom line cost. Most only cut individual premiums such as medical payments or collision. Even though it appears all the discounts add up to a free policy, auto insurance companies aren't that generous. Any amount of discount should definitely cut your policy premiums.

The diagram below shows the difference between Kia Rio car insurance rates with and without discounts applied to the policy rates. The premiums are based on a male driver, a clean driving record, no at-fault accidents, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, multi-policy, homeowner, claim-free, and marriage discounts applied.

A few popular companies and some of the premium reductions they offer can be found below.

• The Hartford has discounts for bundle, vehicle fuel type, good student, air bag, and anti-theft.
• American Family offers discounts for good student, Steer into Savings, accident-free, defensive driver, mySafetyValet, good driver, and multi-vehicle.
• Progressive may offer discounts for multi-vehicle, multi-policy, continuous coverage, online quote discount, online signing, and good student.
• Travelers may have discounts that include good student, hybrid/electric vehicle, save driver, multi-policy, new car, home ownership, and driver training.
• Farmers Insurance has savings for distant student, switch companies, multi-car, good student, and bundle discounts.
• USAA discounts include good student, family discount, driver training, annual mileage, new vehicle, multi-vehicle, and safe driver.
• Liberty Mutual may include discounts for multi-policy, preferred payment discount, hybrid vehicle, new move discount, new vehicle discount, exclusive group savings, and safety features.

If you want the cheapest Kia Rio rate quotes, ask all the companies how you can save money. Savings may not apply to policies in Santa Ana.

Choosing the best Kia vehicle insurance in California is an important decision

Even though it's not necessarily cheap to insure a Kia in Santa Ana, auto insurance serves several important purposes.

• Almost all states have mandatory insurance requirements which means state laws require a specific minimum amount of liability in order to get the vehicle licensed. 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.
• If your Kia has a loan, almost every bank will stipulate that you buy full coverage to ensure the loan is repaid in case of a total loss. If you do not pay your insurance premiums, the bank or lender will purchase a policy for your Kia at a much higher premium rate and force you to pay for the expensive policy.
• Insurance protects both your vehicle and your assets. Insurance will pay for all forms of medical expenses for you, any passengers, and anyone injured in an accident. As part of your policy, liability insurance also covers legal expenses if anyone sues you for causing an accident. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive coverages will pay to repair the damage.

The benefits of carrying adequate insurance are definitely more than the cost, especially if you ever need it. Despite what companies tell you, the average driver is overpaying over $800 each year so we recommend shopping around each time the policy renews to save money.

Santa Ana auto insurance companies

Ending up with a high-quality company is hard considering how many choices you have in California. The company information listed below can help you choose which coverage providers you want to consider comparing rate quotes with.

Top 10 Santa Ana Car Insurance Companies Ranked by Customer Service

1. AAA of Southern California
2. GEICO
3. State Farm
4. The Hartford
5. Mercury Insurance
6. The General
7. Progressive
8. Allstate
9. AAA Insurance
10. American Family

Compare rates but buy from a local Santa Ana insurance agent

A lot of people would prefer to go talk to an agent. Experienced insurance agents can help you choose the best coverages and help in the event of a claim. The best thing about price shopping on the web is the fact that drivers can get cheap car insurance rates and still choose a local agent. And buying from local agents is still important in Santa Ana.

Upon completion of this form (opens in new window), your insurance coverage information is transmitted to insurance agents in Santa Ana that can give you free Santa Ana auto insurance quotes to get your business. It makes it easy because there is no need to leave your house as quotes are delivered directly to you. If you need to quote rates from one company in particular, don't hesitate to find their quoting web page and give them your coverage information.

If you are wanting to purchase car insurance from a reputable insurance agent or broker, you need to know there are two types of agencies and how they operate. Car insurance agents may be either exclusive agents or independent agents. Either type can properly insure your vehicles, but it's important to know how they differ since it could factor into your agent selection.

Independent Car Insurance Agents (or Brokers)

Independent insurance agents are not employed by any specific company and that gives them the ability to insure with any number of different companies and find the cheapest car insurance rates. If your premiums go up, your agent can switch companies and you won't have to switch agencies.

If you are comparing car insurance prices, we recommend you get some free quotes from several independent agencies in order to have the best price comparison.

Listed below are independent agents in Santa Ana that can give you free car insurance rate quotes.

View more Santa Ana agents

Exclusive Insurance Agents

Agents that choose to be exclusive generally can only insure with one company such as American Family, State Farm, and AAA. Exclusive agents cannot provide other company's prices so they have to upsell other benefits. They are usually quite knowledgeable in insurance sales which helps overcome the inability to quote other rates.

The following are Santa Ana exclusive insurance agents who can help you get rate quotes.

View more Santa Ana agents

Finding the right insurance agent requires you to look at more than just the quoted price. Any agent in Santa Ana should be willing to answer these questions.

• Do you qualify for any additional discounts?
• How much experience to they have in personal lines coverages?
• Are they able to influence company decisions when a claim is filed?
• Are they actively involved in the community?
• Which company do they place the most coverage with?