The words "low-cost" and "auto insurance" probably shouldn't be used together, especially when you are searching for the best car insurance for hybrid vehicles. Because of the high cost, let's take a look at some of the factors that determine auto insurance rates, and come up with some ideas to take the bite out of your next policy.
Determining which insurers offer the cheapest car insurance rates for hybrid vehicles calls for a little more effort in order to find the lowest price.
Every insurance provider uses a different method for determining rates, so we'll go over the lowest cost car insurance companies in Santa Ana. It's important to understand that California car insurance rates are determined by lots of factors that control the cost of having a policy. Simply having another birthday, moving to a new city, or getting a driving violation can produce rate changes that can cause some rates to be more affordable than others.
Best Insurance Companies for Hybrids
Rank | Company | Cost Per Year |
---|---|---|
1 | USAA | $1,143 |
2 | Wawanesa | $1,157 |
3 | CSAA | $1,186 |
4 | Nationwide | $1,226 |
5 | Century National | $1,226 |
6 | 21st Century | $1,366 |
7 | Grange | $1,491 |
8 | Allstate | $1,513 |
9 | GEICO | $1,529 |
10 | Mercury | $1,533 |
11 | Allied | $1,556 |
12 | Progressive | $1,558 |
13 | The Hartford | $1,575 |
14 | MetLife | $1,654 |
15 | Unitrin | $1,699 |
16 | State Farm | $1,733 |
17 | Esurance | $1,739 |
18 | Bristol West | $1,777 |
19 | Travelers | $1,842 |
20 | Farmers | $2,006 |
View More Rates Go |
USAA may have some of the best car insurance rates in Santa Ana at around $1,143 annually. This is $508 less than the average policy premium paid by California drivers of $1,651. Wawanesa, CSAA, Nationwide, and Century National also rank well as some of the most economical Santa Ana, CA auto insurance companies.
As shown in the rates above, if you are insured with Nationwide and switched to Wawanesa, you might achieve an annual premium reduction of upwards of $69. California drivers with Century National might save as much as $69 a year, and 21st Century customers might reduce prices by as much as $209 a year.
Bear in mind that those prices are averaged for all types of insureds and vehicles and and are not figured with an exact zip code location for hybrid vehicles. So the car insurance company that can offer you the lowest price may not even be in the top 24 companies shown above. That helps illustrate why you need to get auto insurance quotes using your own driver information and specific vehicle type.
The vehicle model you are seeking coverage for is one of the largest considerations that determines if you can find the most affordable auto insurance for hybrid vehicles. Vehicles with limited top-end speed, an excellent safety record, or low incidents of liability claims will cost much less to insure than adrenaline junky models. The list below estimates coverage prices for a selection of the most budget-friendly vehicles to insure.
Make and Model | Estimated Cost for Full Coverage |
---|---|
Ford Escape Limited 4WD | $1,051 |
Honda CR-V EX 2WD | $1,055 |
Hyundai Elantra GLS Touring Station Wagon | $1,060 |
Jeep Wrangler Sport 4WD 2-Dr | $1,088 |
Toyota Prius | $1,175 |
Honda Odyssey LX | $1,204 |
Volkswagen Jetta 2.0T 4-Dr Sedan | $1,228 |
Nissan Altima 3.5 SR 4-Dr Sedan | $1,237 |
Ford F-150 XLT Crew Cab 2WD | $1,232 |
Chevrolet Impala LT | $1,252 |
Ford Edge SEL 2WD | $1,263 |
Chevrolet Equinox LT AWD | $1,292 |
Toyota RAV4 4WD | $1,300 |
Dodge Grand Caravan Hero | $1,292 |
Chevrolet Silverado LT Extended Cab 4WD | $1,297 |
Toyota Tacoma Double Cab TRD Off-Road Package 4WD | $1,321 |
Ford Explorer Eddie Bauer AWD | $1,328 |
Nissan Rogue SL 2WD | $1,341 |
Ford Fusion Sport 4-Dr Sedan | $1,348 |
Chevrolet Malibu LTZ | $1,358 |
Toyota Corolla XLE | $1,352 |
GMC Sierra 3500HD SLE Crew Cab 2WD | $1,372 |
Jeep Grand Cherokee SRT-8 4WD | $1,381 |
Find Cheaper Rates Go |
Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Price information does not factor in your specific Santa Ana, CA location which can revise auto insurance rates considerably.
Based upon the table data, vehicles like the Ford Escape, Honda CR-V, Hyundai Elantra, Jeep Wrangler, and Toyota Prius are a few of the less-costly vehicles to insure for hybrids.
The information below shows how choosing a deductible can increase or decrease premium costs when searching for cheap insurance for hybrid vehicles. The data assumes a married male driver, comp and collision included, and no discounts are applied to the premium.
The data above shows that a 50-year-old driver could lower their car insurance rates by $308 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $466 by switching to a $1,000 deductible. Youthful drivers, like the 20-year-old, could lower their rates as much as $1,026 each year just by choosing larger deductibles.
When using a larger deductible, it will be necessary to have plenty of money set aside to allow you to cover the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.
Get discount Santa Ana insurance
Insurance companies that offer cheap quotes for hybrid vehicles may also provide discounts that could lower prices by 25% or more if you meet specific criteria. Large car insurance companies and some of their more popular discounts are included below.
- State Farm discounts include good driver, multiple autos, passive restraint, good student, and defensive driving training.
- GEICO has savings for multi-vehicle, federal employee, daytime running lights, emergency military deployment, air bags, defensive driver, and military active duty.
- SAFECO may include discounts for anti-theft, drive less, anti-lock brakes, safe driver, bundle discounts, and multi-car.
- Farmers Insurance offers premium reductions for teen driver, good student, switch companies, mature driver, and bundle discounts.
- AAA may offer discounts for good driver, multi-car, education and occupation, multi-policy, AAA membership discount, and anti-theft.
- USAA includes discounts for annual mileage, defensive driver, family discount, military installation, vehicle storage, loyalty savings, and driver training.
The information below compares car insurance costs with and without some available policy discounts. The price estimates are based on a male driver, a clean driving record, no claims, California state minimum liability limits, comp and collision included, and $100 deductibles.
The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with safe-driver, claim-free, accident-free, multiple vehicle, homeowner, and defensive driving course discounts applied. When drivers take advantage of discounts, theamount saved on car insurance for hybrid vehicles is 28% or $698.
How to find economical insurance for hybrid vehicles
The list below summarizes many money-saving suggestions that can help you buy low-cost car insurance.
- Drop full coverage on older vehicles
- Earn a discount by not filing claims
- Raise comprehensive and collision coverage deductibles
- Having at-fault accidents will increase rates
- Just one traffic violation will increase your rates
- Comparison shop at least once a year
That last tip is extraordinarily significant, as we pointed out in the prior information. Prices charged by auto insurers can be changed at any time, so don't be hesitant to change insurance companies if you find a cheaper price.
Many consumers stick with the same company and that's fine, but it isn't a good idea if that stubbornness costs you a lot of money every month. It only takes a couple minutes to compare rates and find cheaper insurance for hybrid vehicles in Santa Ana.
The agents below can provide answers to your questions and help you determine which is the best policy, as some people have coverage questions and would like to have a professional recommendation when shopping around for cheaper insurance for hybrids. It's not always simple to find the cheapest auto insurance company, and getting advice from a licensed California insurance agent can add comfort knowing your coverage gives you enough coverage when you need it.
To find an agent in your neighborhood, click the link at the bottom or click here to compare price quotes now.
- Sureguard Insurance Agency Inc
555 Park Center Dr #118 - Santa Ana, CA 92705 - (714) 464-8010 - Ayala's Insurance
2020 N Grand Ave #107 - Santa Ana, CA 92705 - (714) 210-5770 - Barrett Insurance Agency
1438 S Main St - Santa Ana, CA 92707 - (714) 973-9999