Find Affordable Volkswagen Passat Insurance in Santa Ana

If your goal is the lowest price, then the best way to find affordable Volkswagen Passat insurance in Santa Ana is to start comparing prices yearly from insurance carriers who provide auto insurance in California.

1. Try to learn about auto insurance and the steps you can take to keep rates in check. Many rating criteria that cause high rates like traffic violations, accidents, and a negative credit history can be rectified by being financially responsible and driving safely. Keep reading for additional ideas to help reduce premium rates and get bigger discounts.
2. Compare rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can give quotes from one company like GEICO or State Farm, while agents who are independent can give you price quotes for a wide range of companies.
3. Compare the new rate quotes to your existing rates to see if you can save by switching companies. If you find a lower rate quote and make a switch, make sure there is no lapse in coverage.

The key thing to remember is to use similar deductibles and liability limits on every quote request and and to compare every insurance company. Doing this enables a fair rate comparison and a thorough selection of prices.

We don't have to tell you that car insurance companies want to keep you from shopping around. Insureds who compare rates once a year are very likely to switch to a new company because there is a great chance of finding coverage at a more affordable price. A recent insurance study revealed that people who regularly shopped around saved approximately $70 a month compared to policyholders who never shopped around for lower prices.

If finding the cheapest price on auto insurance in Santa Ana is the reason you're reading this, understanding how to choose a company and compare insurance rates can save time, money, and frustration.

Most larger insurance companies such as 21st Century, Allstate and State Farm allow you to get prices from their websites. Doing online price comparisons for Volkswagen Passat insurance in Santa Ana is pretty painless because you just enter your coverage preferences as detailed in the form. Once you submit the form, the company's rating system automatically retrieves your driving and credit reports and generates a price determined by many factors. Being able to quote online for Volkswagen Passat insurance in Santa Ana makes it a lot easier to compare rates and it is important to perform this step in order to get lower-cost insurance pricing.

To save time and get comparison pricing now, compare rates now from the companies shown below. If you have your current policy handy, we recommend you input coverages and limits identical to your current policy. This way, you are getting rate quotes based on identical coverages.

The providers in the list below have been selected to offer free quotes in California. If the list has multiple companies, we suggest you compare several of them to get the best price comparison.

Volkswagen Passat insurance charts and tables

The information below highlights detailed analysis of insurance prices for Volkswagen Passat models. Having a good understanding how insurance policy premiums are established can benefit drivers when making smart choices when buying a policy.

Data rating is based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Rate information does not factor in specific location which can influence coverage rates substantially.

Physical damage deductible comparison

The hardest decision when buying coverage is how low should you set your deductibles. The following tables highlight the differences in price between high and low insurance deductibles. The first pricing table uses a $250 deductible for comprehensive and collision coverage and the second pricing table uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Rate quotes do not factor in specific location which can influence insurance rates substantially.

Using the data above, we can ascertain that using a $250 deductible will cost in the ballpark of $19 more each month or $228 every year than buying the higher $500 deductible. Because you would be required to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you tend to average more than 13 months between claim filings, you would probably be better off by selecting a higher deductible.

How accidents and tickets impact rates

The information below highlights how speeding tickets and accidents impact Volkswagen Passat insurance rates for different categories of driver ages. The information is based on a married female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied to the premium.

Full coverage rates vs. liability-only

The diagram below illustrates the difference between Volkswagen Passat insurance prices with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The prices are based on no tickets, no at-fault accidents, $250 deductibles, marital status is single, and no policy discounts are applied.

Deciding between full coverage and liability only

There is no set rule for eliminating physical damage insurance, but there is a general school of thought. If the annual cost of your full coverage insurance is about 10% or more of the settlement you would receive from your company, then you might consider buying liability only.

For example, let's pretend your Volkswagen Passat claim settlement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most you would receive is $4,000 after paying your deductible. If you are currently paying more than $400 a year for comprehensive and collision coverage, then it could be time to drop full coverage.

There are some cases where removing full coverage is not advised. If you still have a loan on your vehicle, you have to keep full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should not eliminate full coverage.

Auto insurance does more than just repair your car

Even though it's not necessarily cheap to insure a Volkswagen in Santa Ana, insuring your vehicle is required by state law in California and it also provides benefits you may not be aware of.

First, just about all states have minimum mandated liability insurance limits which means the state requires a specific level of liability insurance in order to be legal. 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 bought your Passat with a loan, almost every bank will require that you carry insurance to ensure they get paid if you total the vehicle. If you default on your policy, the lender will be forced to insure your Volkswagen at a more expensive rate and force you to pay a much higher amount than you were paying before.

Third, insurance safeguards not only your car but also your assets. It also can pay for medical bills for you, your passengers, and anyone else injured in an accident. Liability insurance will also pay for a defense attorney if someone files suit against you as the result of an accident. If your car is damaged in a storm or accident, comprehensive and collision coverage will pay to repair the damage minus the deductible amount.

The benefits of buying auto insurance greatly outweigh the cost, particularly when you have a large claim. According to a 2015 survey, the average American driver overpays more than $750 every year so you should quote and compare rates every year to make sure the price is not too high.

Good Decisions Result in Lower Insurance Rates

An important part of buying insurance is that you know the factors that aid in calculating the level of your policy premiums. When consumers understand what impacts premium levels, this allows you to make educated decisions that can help you get lower rates.

The following are most of the major factors companies use to determine premiums.

Vehicle options that cut auto insurance rates - Choosing to buy a car that has a built-in theft deterrent system can save you a little every year. Theft prevention features such as GM's OnStar, tamper alarm systems and vehicle immobilizers all hinder car theft and help bring rates down.

Save money by having multiple policies - Lots of insurance companies give a discount to customers that buy multiple policies such as combining an auto and homeowners policy. Even with this discount, it's always a smart idea to get quotes from other companies to ensure the best deal.

Higher physical damage deductibles are cheaper - Physical damage deductibles represent how much money you are willing to pay out-of-pocket before your auto insurance pays a claim. Physical damage protection, also known as collision and other-than-collision, is used to repair damage to your car. Examples of some claims that would be covered are collision with another vehicle, collision with a deer, and having a roll-over accident. The more damage repair cost you pay before a claim is paid (deductible), the less your company will charge you for insurance.

Teen drivers are expensive to insure - Beginning drivers in California tend to be less responsible when at the wheel of a vehicle therefore auto insurance rates are much higher. If you've ever had to add a young driver onto your auto insurance can be very expensive. Older, more experienced drivers are more responsible, statistically cause fewer accidents, and receive fewer citations.

The data below assumes a single driver, full coverage with $1000 deductibles, and no discounts or violations.

Loss probability for a Volkswagen Passat - Companies include the past claim trends for vehicles when setting rates for each model. Vehicles that the statistics show to have higher number or severity of losses will have increased rates. The table shown below demonstrates the actual insurance loss data for Volkswagen Passat vehicles.

For each insurance policy coverage type, the loss probability for all vehicles, as an average, equals 100. Numbers shown that are under 100 suggest losses that are better than average, while percentage values above 100 indicate more frequent losses or a tendency for claims to be larger.

Don't overlook these Volkswagen Passat insurance discounts

Car insurance is not cheap, but companies offer discounts to help offset the cost. Most are applied when you complete an application, but some discounts are required to be inquired about before you will receive the discount.

• Discounts for Seat Belt Usage - Forcing all vehicle occupants to use their safety belts can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
• Life Insurance Discount - Larger car insurance companies have a lower rate if you buy a life insurance policy as well.
• Early Renewal Discounts - A few insurance companies offer discounts for switching policies prior to the expiration date on your current Passat insurance policy. It can save you around 10%.
• Smart Student Discounts - A discount for being a good student can earn a discount of 20% or more. The good student discount can last well after school through age 25.
• Driver's Ed - It's a good idea to have your young drivers successfully take a driver's education course as it will make them better drivers and lower rates.
• Professional Memberships - Being in a civic or occupational organization in Santa Ana could earn you a nice discount when shopping for car insurance.

As a footnote on discounts, most credits do not apply to all coverage premiums. Some only apply to the cost of specific coverages such as comprehensive or collision. Even though it appears you could get a free car insurance policy, insurance companies wouldn't stay in business.

The illustration below shows the comparison of Volkswagen Passat insurance costs with and without discounts applied to the premium. The rates are based on a male driver, no violations or claims, California state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, safe-driver, multi-car, marriage, and homeowner discounts applied.

To find providers who offer car insurance discounts in Santa Ana, click here to view.

Insurance agencies are professional risk managers

Many drivers just prefer to get professional advice from a licensed agent and that is a smart decision The best thing about price shopping on the web is that you can find cheap rate quotes and still have an agent to talk to.

Once you complete this simple form, the coverage information gets sent to agents in your area who will give you bids for your coverage. It's much easier because you don't need to visit any agencies due to the fact that quote results will go to the email address you provide. You'll get the best rates and an insurance agent to talk to. If you want to quote rates from a specific company, feel free to go to their quote page and submit a quote form there.

Selecting a insurer requires more thought than just the quoted price. Any agent in Santa Ana should be willing to answer these questions.

• Can glass claims be handled at your home?
• Do they specialize in personal lines coverage in Santa Ana?
• What is their Better Business Bureau rating?
• Which insurance companies are they affiliated with?
• How often do they review policy coverages?

If you want a reliable agent, there are two different types of agencies to choose from. Insurance agencies are either exclusive or independent (non-exclusive).

Exclusive Insurance Agents

Exclusive insurance agents can only provide one company's prices and some examples include State Farm, Allstate, or Farmers Insurance. These agents are unable to shop your coverage around so if the price isn't competitive there isn't much they can do. They are usually well trained on their products and sales techniques which helps them sell on service rather than price.

Shown below is a list of exclusive agents in Santa Ana willing to provide rate quotes.

View more Santa Ana agents

Independent Insurance Agents

Independent agencies are not required to write business for one company and that allows them to write policies through many companies and find the cheapest insurance rates. If you want to switch companies, the business is moved internally and you stay with the same agent.

If you are trying to find cheaper rates, you definitely need to get several quotes from independent agents so that you can do a thorough price comparison.

The following is a short list of independent insurance agents in Santa Ana that can give you comparison quotes.

View more Santa Ana agents

Best auto insurance in California

Ending up with the best auto insurance company can be challenging considering how many different companies insure vehicles in Santa Ana. The ranking data displayed below can help you select which insurers to look at purchasing coverage from.

Top 10 Santa Ana Car Insurance Companies Ranked by Customer Satisfaction

1. Titan Insurance - 95%
2. USAA - 94%
3. AAA of Southern California - 92%
4. AAA Insurance - 91%
5. Nationwide - 90%
6. State Farm - 90%
7. The Hartford - 89%
8. GEICO - 89%
9. The General - 88%
10. 21st Century - 88%

One last note

Cheaper auto insurance in Santa Ana can be purchased from both online companies and from local insurance agents, and you should compare price quotes from both to get a complete price analysis. Some auto insurance companies do not offer rates over the internet and most of the time these smaller companies sell through independent agencies.

As you prepare to switch companies, it's not a good idea to reduce coverage to reduce premium. There are many occasions where an accident victim reduced comprehensive coverage or liability limits and found out when filing a claim they didn't have enough coverage. Your objective should be to buy enough coverage at a price you can afford, but do not sacrifice coverage to save money.

Additional information

• Warning systems don't curb driver distraction (Insurance Institute for Highway Safety)
• What Insurance is Cheapest for Police Officers in Santa Ana? (FAQ)
• Who Has Affordable Auto Insurance Quotes for a Toyota Highlander in Santa Ana? (FAQ)
• How Much is Santa Ana Car Insurance for College Graduates? (FAQ)
• Who Has Cheap Car Insurance Rates for Drivers Over Age 60 in Santa Ana? (FAQ)
• Insurance losses by make and model (Insurance Institute for Highway Safety)
• Auto Theft Statistics (Insurance Information Institute)