Has it been over a year since you last compared quotes for the cheapest Volvo XC90 insurance in Santa Ana? Perplexed by the number of car insurance providers available to you? Lot's of other people are too. California drivers have such a large number of options that it can turn into hard work to lower your premium rates for Volvo XC90 insurance in Santa Ana. Everyone knows that Santa Ana is a wonderful place to live, but budgeting for expensive car insurance can make it very difficult to purchase enough protection.
Steps to finding affordable quotes for Volvo XC90 insurance in Santa Ana
Truthfully, the best way to find cheaper prices for car insurance rates in Santa Ana is to start comparing rates regularly from providers who sell insurance in California.
- Step 1: Try to learn about coverages and the measures you can take to keep rates in check. Many risk factors that drive up the price like careless driving and a less-than-favorable credit history can be eliminated by paying attention to minor details.
- Step 2: Get rate quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only provide price estimates from a single company like GEICO or Farmers Insurance, while independent agencies can provide rate quotes from multiple insurance companies.
- Step 3: Compare the quotes to your current policy and see if there is a cheaper rate. If you find a better price, make sure coverage does not lapse between policies.
A good tip to remember is to try to compare identical limits and deductibles on every quote request and and to get quotes from as many auto insurance providers as possible. This enables the most accurate price comparison and a good representation of prices.
Sad but true, almost 70% of drivers have bought car insurance from the same company for over three years, and nearly the majority have never compared rates with other companies. Consumers in California could save $469 each year by just shopping around, but they just feel it's too hard to find cheap rates by getting comparison quotes.
Cheap Volvo insurance prices in Santa Ana
The companies in the list below can provide free rate quotes in California. If multiple companies are shown, we suggest you visit several of them in order to get a fair rate comparison.
Volvo XC90 insurance statistics and information
The price information below showcases a range of insurance prices for Volvo XC90 models. Knowing how insurance quotes are figured can aid in making informed decisions when comparing rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XC90 3.2 2WD | $378 | $780 | $534 | $32 | $160 | $1,884 | $157 |
| XC90 3.2 R-Design 2WD | $378 | $780 | $534 | $32 | $160 | $1,884 | $157 |
| XC90 3.2 AWD | $420 | $898 | $534 | $32 | $160 | $2,044 | $170 |
| XC90 V8 AWD | $420 | $898 | $534 | $32 | $160 | $2,044 | $170 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Information does not factor in the specific area where the vehicle is garaged which can alter coverage rates substantially.
An analysis of deductible level
One of the more difficult decisions when buying car insurance is how high should your deductibles be. The tables below can help you understand the costs and benefits when you buy lower versus higher insurance deductibles. The first rate comparisons uses a $100 comprehensive and collision deductible and the second rate chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XC90 3.2 2WD | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
| XC90 3.2 R-Design 2WD | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
| XC90 3.2 AWD | $478 | $932 | $442 | $26 | $132 | $2,035 | $170 |
| XC90 V8 AWD | $478 | $932 | $442 | $26 | $132 | $2,035 | $170 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XC90 3.2 2WD | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| XC90 3.2 R-Design 2WD | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| XC90 3.2 AWD | $266 | $490 | $442 | $26 | $132 | $1,356 | $113 |
| XC90 V8 AWD | $266 | $490 | $442 | $26 | $132 | $1,356 | $113 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Premium costs do not factor in vehicle location which can affect prices considerably.
Using the data above, we can ascertain that using a $100 deductible will cost you roughly $54 more each month or $648 each year than selecting the higher $1,000 deductible. Because you would be required to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you go more than 17 months between claim filings, you would save money by selecting a higher deductible.
Calculate savings of higher deductibles
| Average monthly premium for $100 deductibles: | $163 |
| Average monthly premium for $1,000 deductibles (subtract): | - $109 |
| Monthly savings from raising deductible: | $54 |
| Difference between deductibles ($1,000 - $100): | $900 |
| Divide difference by monthly savings: | $900 / $54 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 17 months |
One important note is that raising deductibles means you will have to pay more out-of-pocket when you do file a claim. You should have enough extra money in order to pay the higher deductible.
The chart below highlights how deductible selection and can affect Volvo XC90 insurance prices for different age groups of insureds. The costs are based on a single male driver, full physical damage coverage, and no policy discounts are applied.
Santa Ana insurance discounts
Companies that sell car insurance don't always publicize the complete list of policy discounts in an easy-to-find place, so we researched some of the best known as well as the least known discounts you could be receiving when you buy Santa Ana car insurance online.
- Auto/Home Discount - If you can bundle your auto and homeowners insurance and place coverage with the same company you may save nearly 15% which can help you find cheaper XC90 insurance.
- Anti-theft Discount - Vehicles that have factory anti-theft systems help deter theft and therefore earn up to a 10% discount.
- Memberships - Being in qualifying clubs or civic groups is a good way to get lower rates when shopping for insurance.
- Seat Belts Save more than Lives - Requiring all passengers to buckle up before driving could save 15% on the medical payments or PIP coverage costs.
- Good Driver Discount - Insureds without accidents can pay as much as 50% less compared to accident prone drivers.
- ABS Brakes - Vehicles that have anti-lock braking systems can avoid accidents so you can save 10 percent or more.
It's important to note that most credits do not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as comprehensive or collision. Just because you may think it's possible to get free car insurance, companies wouldn't make money that way.
The example below illustrates the difference between Volvo XC90 yearly insurance costs with and without policy discounts. The premiums are based on a female driver, a clean driving record, no at-fault accidents, California state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, multi-policy, marriage, multi-car, and homeowner discounts applied.
Popular insurance companies and the discounts they provide are outlined below.
- State Farm offers discounts for defensive driving training, good driver, student away at school, driver's education, safe vehicle, and good student.
- GEICO has savings for driver training, air bags, multi-policy, emergency military deployment, federal employee, daytime running lights, and multi-vehicle.
- Progressive has discounts for multi-vehicle, online signing, online quote discount, continuous coverage, and homeowner.
- 21st Century policyholders can earn discounts including good student, teen driver, automatic seat belts, anti-lock brakes, and theft prevention.
- American Family may have discounts that include Steer into Savings, accident-free, defensive driver, bundled insurance, and good driver.
- The Hartford offers premium reductions for air bag, bundle, vehicle fuel type, defensive driver, anti-theft, and driver training.
- AAA may include discounts for pay-in-full, education and occupation, good driver, anti-theft, AAA membership discount, good student, and multi-car.
It's a good idea to ask all companies you are considering to apply every possible discount. A few discounts may not apply in Santa Ana. To view insurance companies that offer discounts in California, click here to view.
Five Things That Affect Your Insurance Rates
Multiple criteria are used when you get a price on insurance. Some are obvious such as your driving record, but others are more transparent such as your marital status or how safe your car is.
The itemized list below are some of the most common factors that factor into your prices.
- Choose high NHTSA crash test ratings and save - Vehicles with high crash test scores tend to have better insurance rates. Safe vehicles have better occupant injury protection and better occupant protection means less money paid by your insurance company which can mean better rates for you. If your Volvo XC90 is rated at a minimum four stars on Safercar.gov or an "acceptable" rating on iihs.org it may be receiving lower rates.
- High credit rating translates to low prices - Credit history factor in calculating your premium rate. So if your credit rating is low, you may save money insuring your Volvo XC90 by repairing your credit. Insureds that have high credit scores tend to be more responsible and file fewer claims than those with poor credit scores.
- Prices impacted by vehicle usage - The higher the mileage driven in a year the more it will cost to insure it. Most insurance companies calculate rates based on how the vehicle is used. Cars and trucks that are left in the garage can be on a lower rate level than those that get driven frequently. Verify your vehicle rating shows the correct usage. Having an incorrect usage rating on your XC90 can result in significantly higher rates.
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Males pay higher rates - Statistics show that females tend to be a little less risky than males. Now that doesn't mean females are better drivers. They both are responsible for auto accidents in similar percentages, but the men get into accidents with more damage. In addition to higher claims, males also receive more major tickets such as reckless driving.
The diagram below visualizes the comparison of Volvo XC90 car insurance costs for male and female drivers. The premiums are based on a clean driving record, no at-fault accidents, full coverage, $250 deductibles, drivers are single, and no additional discounts are factored in.
- Multiple policies with one company - Most major insurers provide a discount to insureds that have more than one policy. It's known as a multi-policy discount. Discounts can add up to ten percent or more. If you currently are using one company, it's always a smart idea to compare other company rates to verify if the discount is saving money.
Which policy gives me the best coverage?
When quoting and comparing the right insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Everyone's situation is a little different so your insurance should reflect that
Here are some questions about coverages that may help you determine whether your personal situation would benefit from professional advice.
- Does insurance cover tools stolen from my truck?
- Am I covered if I back into my garage door?
- What is the ISO rating for a Volvo XC90?
- Will my insurance pay for OEM parts?
- Does my medical payments coverage pay my health insurance deductible?
- Do I need added coverage for expensive stereo equipment?
- Does my car insurance cover rental cars?
- What is the rate difference between pleasure use and commuting?
- Does coverage extend to a rental car in a foreign country?
- Should I buy additional glass protection?
If you can't answer these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you don't have a local agent, simply complete this short form or you can go here for a list of companies in your area.
Insurance agents can help
Many drivers just want to buy from a local agent and we recommend doing that An additional benefit of price shopping on the web is the fact that you can find better rates and still have a local agent. Buying insurance from small agencies is definitely important in Santa Ana.
To find an agent, once you fill out this form (opens in new window), your insurance data is sent to insurance agents in Santa Ana that can give you free Santa Ana car insurance quotes to get your business. There is no need to search for an agent since rate quotes are delivered to you. You can find lower rates AND a local agent. In the event you want to get a comparison quote from one company in particular, you would need to navigate to their website and fill out the quote form the provide.
Choose the right auto insurance agent
When narrowing the list to find a reputable insurance agent or broker, there are a couple of different types of agents and how they differ in how they quote coverages. Santa Ana agents can either be independent or exclusive.
Independent Auto Insurance Agents (or Brokers)
These type of agents are not restricted to one company and that gives them the ability to insure with multiple insurance companies and help determine which has the cheapest rates. To transfer your coverage to a different company, they simply move the coverage in-house and you won't have to switch agencies. When comparing auto insurance rates, you will definitely want to get quotes from several independent agencies in order to have the best price comparison. Most independent agents also contract with additional companies that you may not be familiar with that can offer cheaper rates than bigger companies.
The following is a list of independent insurance agencies in Santa Ana who can help you get free auto insurance rate quotes.
- Nuway Insurance Agency Inc.
410 N Bristol St - Santa Ana, CA 92703 - (714) 953-2117 - View Map - Adriana's Insurance Services
2302 S Bristol St A - Santa Ana, CA 92704 - (714) 352-3777 - View Map - Tutton Insurance Services Inc
2913 S. Pullman St - Santa Ana, CA 92705 - (949) 261-5335 - View Map
Exclusive Agents
Agents in the exclusive channel can usually just insure with one company such as AAA, Allstate, State Farm, or Farmers Insurance. They usually cannot compare other company's rates so you might not find the best rates. These agents are usually quite knowledgeable in insurance sales which helps them sell insurance even at higher premiums. Some people will only use the same agent partially due to the brand legacy rather than having low rates.
Shown below are exclusive agents in Santa Ana willing to provide rate quotes.
- Farmers Insurance - Samuel Friar
2961 W MacArthur Blvd #123 - Santa Ana, CA 92704 - (714) 662-3830 - View Map - Farmers Insurance - Jose Garrido
705 W 17th St, Ste B-2 - Santa Ana, CA 92706 - (714) 558-4814 - View Map - Farmers Insurance: Patricia Kelly
310 N Tustin Ave #A - Santa Ana, CA 92705 - (714) 541-3334 - View Map
Picking an insurance agent requires more thought than just a cheap price quote. Agents should be asked these questions:
- What discounts might you be missing?
- How much will you save each year by using a higher deductible?
- Are claim adjusters local or do you have to take your car somewhere else?
- Is the coverage adequate for your vehicle?
- Which companies can they place coverage with?
Once you have received satisfactory answers to all your questions and a low price estimate, you may have just found a car insurance agent that is a good match to provide auto insurance coverage.
Which auto insurance company is best in Santa Ana?
Choosing the top car insurance company can be challenging considering how many companies sell coverage in California. The ranking data below may help you choose which car insurance providers to look at to insure your vehicles.
| 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
Persistence pays off
Lower-priced auto insurance in Santa Ana is attainable both online in addition to many Santa Ana insurance agents, and you should compare rates from both in order to have the best price selection to choose from. A few companies do not offer online quoting and usually these smaller providers provide coverage only through independent insurance agencies.
When shopping online for auto insurance, you should never reduce coverage to reduce premium. In too many instances, someone dropped full coverage only to find out that the small savings ended up costing them much more. The goal is to purchase a proper amount of coverage at a price you can afford.
Steps to finding lower priced Volvo XC90 insurance in Santa Ana
The best way we recommend to find more affordable car insurance rates in Santa Ana is to compare prices annually from companies who can sell car insurance in California.
Step 1: Get an understanding of how companies set rates and the modifications you can make to prevent rate increases. Many risk factors that cause high rates like traffic citations, accidents, and a low credit score can be controlled by making minor driving habit or lifestyle changes.
Step 2: Obtain price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can give quotes from one company like GEICO and State Farm, while independent agencies can give you price quotes for a wide range of companies.
Step 3: Compare the new quotes to the price on your current policy to see if cheaper XC90 coverage is available. If you find better rates and change companies, make sure there is no lapse between the expiration of your current policy and the new one.
Step 4: Provide notification to your current company of your decision to cancel the current policy. Submit a completed policy application and payment to the new insurer. Once received, keep your new certificate verifying proof of insurance along with the vehicle's registration papers.
An important note is to make sure you're comparing similar coverage information on every quote and and to compare as many companies as you can. This helps ensure a fair price comparison and a complete selection of prices.
Other learning opportunities
- Tread Depth and Tire Safety (State Farm)
- What Insurance is Cheapest for a Learners Permit in Santa Ana? (FAQ)
- Who Has Affordable Auto Insurance Quotes for a Toyota Highlander in Santa Ana? (FAQ)
- What Insurance is Cheapest for Drivers with Good Credit in Santa Ana? (FAQ)
- How Much is Auto Insurance for a 20 Year Old Female in Santa Ana? (FAQ)
- Auto Crash Statistics (Insurance Information Institute)
- No-Fault Auto Insurance Statistics (Insurance Information Institute)
- Event Data Recorders FAQ (iihs.org)