The words "low-cost" and "auto insurance" really don't belong together, especially when you are searching for the lowest insurance rates for handicapped drivers. To help control this cost, let's introduce you to some of the things that have an effect on insurance premiums, and find some ways to lower the cost of the next policy you buy.
Comparing rates for low-cost auto insurance is not easy, and determining which companies have the cheapest car insurance rates for handicapped drivers may require additional perseverance. Every insurance company uses a different method to determine rates, so let's take a look at the car insurance companies with the overall cheapest rates in Santa Ana.
It's important that readers know that Santa Ana car insurance rates are based on many factors that control the price of coverage. Simply having another birthday, increasing liability limits, or getting a ticket for running a stop sign may generate price changes that can now make some companies cheaper than competitors.
Find the Cheapest Car Insurance in California
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,121 |
| 2 | Wawanesa | $1,181 |
| 3 | Nationwide | $1,213 |
| 4 | Century National | $1,214 |
| 5 | CSAA | $1,234 |
| 6 | 21st Century | $1,379 |
| 7 | Grange | $1,433 |
| 8 | Mercury | $1,488 |
| 9 | Progressive | $1,512 |
| 10 | Allied | $1,541 |
| 11 | Allstate | $1,543 |
| 12 | GEICO | $1,575 |
| 13 | MetLife | $1,590 |
| 14 | The Hartford | $1,639 |
| 15 | Unitrin | $1,682 |
| 16 | State Farm | $1,750 |
| 17 | Esurance | $1,756 |
| 18 | Travelers | $1,842 |
| 19 | Bristol West | $1,849 |
| 20 | Farmers | $2,006 |
| Find Cheaper Rates Go | ||
USAA quotes some of the most affordable car insurance rates in Santa Ana at around $1,121 annually. Wawanesa, Nationwide, Century National, and CSAA also rank well as some of the lowest-priced Santa Ana, CA auto insurance companies.
As depicted above, if you are a customer of Century National and switched to Wawanesa, you may see savings of roughly $33. Drivers with CSAA could save as much as $53 a year, and 21st Century insureds might lower prices by up to $198 a year.
These premium estimates are averaged for all insureds and vehicles and and are not calculated with a vehicle location for handicapped drivers. So the company that fits you best may not even be in the top 24 companies shown above. That underscores the importance of why you need to get rate quotes from many companies using your own driver data and vehicle information.
The car, truck, or SUV you are seeking coverage for is one of the primary factors when consumers are trying to find affordable auto insurance for handicapped drivers. Vehicles with lower acceleration and performance, advanced safety features, or low incidents of liability claims will cost quite a bit less to insure than adrenaline junky models.
The information below presents auto insurance costs for a number of the cheaper vehicles to buy coverage for.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 2WD | $1,093 |
| Toyota Tacoma 2WD | $1,122 |
| Ford Escape Limited 2WD | $1,129 |
| Chevrolet Silverado LS Regular Cab 2WD | $1,144 |
| Ford F-150 XL Super Cab 2WD | $1,160 |
| Toyota Prius | $1,180 |
| Jeep Grand Cherokee Limited 4WD | $1,228 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,235 |
| Nissan Rogue S AWD | $1,228 |
| Dodge Grand Caravan CV | $1,233 |
| Toyota RAV4 Sport 4WD | $1,255 |
| Honda Accord LX-S 2-Dr Coupe | $1,290 |
| Chevrolet Malibu LS | $1,293 |
| Toyota Camry LE | $1,301 |
| Chevrolet Silverado 2500HD LT Crew Cab Diesel 4WD | $1,313 |
| Kia Optima EX | $1,320 |
| Ford Explorer Eddie Bauer AWD | $1,321 |
| Start a Quote Go | |
Prices based on single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Estimates do not factor in specific location which can influence rates greatly.
Looking at the data, you can figure that vehicles like the Honda CR-V, Toyota Tacoma, and Ford Escape are going to be a few of the more affordable vehicles to insure for drivers with handicaps.
Impact of citations and accidents on insurance rates
In a perfect world, the best way to score the most affordable car insurance prices in Santa Ana for drivers with handicaps is to be an attentive driver and have a clean driving record. The example below illustrates how speeding tickets and fender-benders raise auto insurance costs for different age categories. Data assumes a single female driver, full physical damage coverage, $500 deductibles, and no other discounts are factored in.
In the prior example, the average cost of car insurance in California per year with no accidents and a clean driving record is $1,978. Get one speeding ticket and the average cost swells to $2,243, an increase of $265 each year. Then throw in two accidents along with the one speeding ticket and the annual cost of car insurance for handicapped drivers increases to an average of $4,627. That's an increase of $2,649, or $221 per month, just for being a careless driver!
Buying coverage from the highest-rated insurance company can be a challenge considering how many different companies sell coverage in Santa Ana. The ranking data in the next section may help you pick which auto insurers to look at shopping your coverage with.
The rankings below are for companies who write in the majority of U.S. states, so smaller companies that only insure vehicles in California are not factored into this list. To get rate quotes from the most competitive companies in California, simply click here.
Top 10 Major Car Insurance Companies in Santa Ana Ranked by Customer Satisfaction
- Titan Insurance - 95%
- USAA - 94%
- AAA of Southern California - 92%
- AAA Insurance - 91%
- Nationwide - 90%
- State Farm - 90%
- The Hartford - 89%
- GEICO - 89%
- The General - 88%
- 21st Century - 88%
Top 10 Major Car Insurance Companies Overall in Santa Ana
- USAA
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
Should you buy full coverage?
Reducing the cost of car insurance is the goal of the majority of drivers, and an effective way to find cheap insurance for handicapped drivers is to only pay for liability coverage. The information below illustrates the comparison of annual premium costs with full coverage and liability only. The premium estimates are based on no claims or driving violations, $1,000 deductibles, drivers are single, and no discounts are taken into consideration.
As an overall average, physical damage coverage costs an extra $2,467 per year more than buying just liability insurance. Many drivers will wonder when is the right time to remove full coverage. There is no exact formula that is best for determining when to drop physical damage coverage on your policy, but there is a guideline you can consider. If the annual cost of your full coverage insurance is more than around 10% of replacement cost minus your deductible, then you might want to think about dropping full coverage.
For example, let's assume your vehicle's settlement value is $12,000 and you have $1,000 policy deductibles. If your vehicle is totaled, you would only receive $11,000 after paying your deductible. If you are paying in excess of $1,100 a year for comprehensive and collision coverage, then you may need to consider dropping full coverage.
There are a few cases where buying only liability insurance is not a good idea. If you haven't satisfied your loan, you must maintain physical damage coverage in order to keep the loan. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should not opt for liability only.
How to find cheaper car insurance for handicapped drivers
The list below shows some of the better penny-pinching ideas that can help you buy cheap coverage.
- Remain accident-free and save
- Remove physical damage coverage on older vehicles
- Safer vehicles generally have cheaper insurance rates
- If possible, do not file small claims
- Speeding tickets and other violations increase rates
- Buy your auto and home insurance from the same company and save
- Ensure you have the best deal by shopping around regularly
The final tip is extremely important, as we stressed in the prior article. Coverage prices can change considerably in a year, so don't be hesitant to change insurance companies if a lower-cost policy is available. Being loyal to a particular company is commendable, but we do not recommend it if it's costing you money that could be used for better things. Now is a great time to compare prices and find cheaper insurance for handicapped drivers in Santa Ana.
The professional agents shown below are a good start to aid you in deciding which coverage meets your needs best, since some drivers have questions and prefer to have a little guidance when comparing insurance rates for handicapped drivers. It can be difficult to find the best policy on your own, so insurance agents can provide you satisfaction knowing your coverage gives you adequate protection. To find an agent in your neighborhood, click the button at the bottom of the list or click here to compare price quotes now.
Allstate Insurance: Ramon Valerio
117 S Harbor Blvd - Santa Ana, CA 92704 - (714) 775-5423
Barrett Insurance Agency
1438 S Main St - Santa Ana, CA 92707 - (714) 973-9999
Mural Insurance Agency
1202 17th St #103 - Santa Ana, CA 92701 - (714) 541-1003