Compare Ford Freestyle Insurance Quotes in Santa Ana

To save the most money, the best way to find affordable quotes for Ford Freestyle insurance is to compare prices at least once a year from insurance carriers who sell auto insurance in Santa Ana. Price quotes can be compared by following these guidelines.

• Step 1: Spend a few minutes and learn about how insurance works and the measures you can control to prevent expensive coverage. Many rating factors that result in higher rates such as getting speeding tickets and a substandard credit score can be eliminated by making minor changes to your lifestyle. This article provides more details to help keep prices low and find discounts that you may qualify for.
• Step 2: Compare rates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give rate quotes from a single company like GEICO or Allstate, while independent agencies can give you price quotes from multiple sources.
• Step 3: Compare the new rate quotes to your existing policy to see if a cheaper price is available in Santa Ana. If you can save some money and buy the policy, make sure the effective date of the new policy is the same as the expiration date of the old one.

One thing to point out is to use the same physical damage deductibles and liability limits on every price quote and and to get prices from as many different companies as possible. Doing this guarantees an accurate price comparison and a complete price analysis.

Anyone knows that car insurance companies want to keep you from comparing rates. Insureds who shop around once a year are highly likely to buy a new policy because there is a good chance of finding lower rate quotes. A recent survey found that people who compared price quotes annually saved over $3,500 over four years compared to other drivers who never compared prices.

If finding low prices for Ford Freestyle insurance in Santa Ana is your objective, then understanding how to get price quotes and compare coverages can make the process less intimidating.

The quickest method to compare policy rates for Ford Freestyle insurance in Santa Ana is to know the trick auto insurance companies have advanced systems to give free rates quotes. To get started, all you need to do is provide the companies a bit of rating information like how old drivers are, how you use your vehicles, distance driven, and whether you are married. Those rating factors is then sent to multiple different insurance companies and they provide comparison quotes quickly.

To check rates for your car now, click here and find out if lower rates are available in Santa Ana.

The companies in the list below offer quotes in California. If multiple companies are shown, we recommend you get rates from several of them to find the most affordable car insurance rates.

Three reasons to insure your vehicle

Despite the high cost, buying auto insurance is most likely required but also gives you several important benefits.

• Almost all states have mandatory insurance requirements which means you are required to carry a specific minimum amount of liability in order to drive the car legally. 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 you have a loan on your Ford, most lenders will make it mandatory that you carry insurance to guarantee loan repayment. If you let the policy lapse, the lender may insure your Ford at a more expensive rate and require you to pay for it.
• Insurance safeguards both your assets and your Ford Freestyle. It will also reimburse you for all forms of medical expenses incurred in an accident. One policy coverage, liability insurance, also pays expenses related to your legal defense if you are named as a defendant in an auto accident. If mother nature or an accident damages your car, collision and comprehensive (also known as other-than-collision) coverage will cover the damage repairs after a deductible is paid.

The benefits of insuring your car outweigh the cost, particularly for liability claims. The average driver in America is currently overpaying as much as $865 each year so compare rates at every policy renewal to save money.

Get More Affordable Car Insurance with These Tips

Smart consumers have a good feel for the different types of things that help calculate your car insurance rates. When you understand what controls the rates you pay, this allows you to make good choices that could result in lower premium levels.

• Pay more if you have a long commute - Residing in small towns and rural areas can be a good thing if you are looking for the lowest rates. Lower population translates into fewer accidents and a lower car theft rate. City drivers have more road rage incidents and longer commute times. More time behind the wheel translates into higher accident risk.
• Car and home together may be cheaper - Most insurance companies provide better rates to buyers who carry more than one policy, otherwise known as a multi-policy discount. Even though this discount sounds good, it's always a smart idea to get quotes from other companies to help guarantee you have the best rates. It's possible to still find better rates even if you insure with multiple companies
• Choose high NHTSA crash test ratings and save - Safe vehicles can get you lower premiums. These vehicles reduce occupant injuries and lower rates of occupant injuries means less claims paid and more competitive rates for policyholders. If your Ford has at least four stars on Safercar.gov or an "acceptable" rating on iihs.org it is probably cheaper to insure.
• Your job is a factor - Jobs like military generals, police officers, and medical professionals tend to pay the highest rates due to intense work requirements and lots of time spent at work. On the other hand, occupations like farmers, athletes and retirees receive lower rates.
• How credit rating affects car insurance prices - A driver's credit history can be a huge factor in determining premium rates. If your credit history is low, you could pay less to insure your Ford Freestyle if you clean up your credit. Consumers who have very high credit ratings tend to be better drivers and file fewer claims than those with poor credit scores.
• Stay claim-free and reduce car insurance rates - Car insurance companies in California provide cheaper rates to people who file claims infrequently. If you file claims often, you can pretty much guarantee either higher rates or even cancellation. Your car insurance is intended to be relied upon for the large, substantial claims.
• High premiums for youthful drivers - Mature drivers have been proven to be more responsible, cost insurance companies less in claims, and are generally more financially stable. Drivers with little experience are known to be more careless when driving so car insurance rates are higher.
• Miles impacts prices - Driving a lot of miles annually the more you'll pay to insure it. Most companies charge rates based upon how much you drive. Cars and trucks that are left in the garage receive lower rates than those used for commuting. An improperly rated Freestyle is throwing money out the window. Ask your agent if your car insurance coverage reflects how each vehicle is driven.

Auto insurance policy discounts for Ford Freestyle insurance in Santa Ana

Companies offering auto insurance do not list every discount available very well, so the list below gives a summary of a few of the more common and the harder-to-find credits available to you.

• Claim Free - Insureds with no claims or accidents pay less in comparison with insureds who have frequent claims or accidents.
• 55 and Retired - Drivers that qualify as senior citizens may qualify for better auto insurance rates.
• Discount for Swiching Early - A few auto insurance companies offer discounts for switching to them prior to your current Freestyle insurance policy expiration. It's a savings of about 10%.
• Active Military Service - Having a family member in the military may qualify for rate reductions.
• Responsible Driver Discounts - Drivers without accidents may receive a discount up to 45% than drivers with accidents.
• One Accident Forgiven - This one is not really a discount per se, but some insurance companies will let one accident slide without raising rates so long as you haven't had any claims for a certain period of time.
• Student Driver Training - Reduce the cost of insurance for teen drivers by having them successfully take a driver's education course as it will make them better drivers and lower rates.
• Discounts for Government Workers - Being employed by or retired from a federal job can save as much as 8% with select insurance companies.

As a sidenote, some of the credits will not apply to the entire policy premium. Most only cut individual premiums such as physical damage coverage or medical payments. Despite the appearance that all the discounts add up to a free policy, companies don't profit that way. Any amount of discount will positively reduce your premiums.

Popular auto insurance companies and a partial list of their discounts can be read below.

• GEICO may have discounts that include anti-lock brakes, emergency military deployment, federal employee, five-year accident-free, seat belt use, multi-vehicle, and driver training.
• Mercury Insurance may offer discounts for multi-policy, multi-car, good student, professional/association, age of vehicle, and type of vehicle.
• Farmers Insurance offers discounts for early shopping, teen driver, good student, bundle discounts, and distant student.
• Auto-Owners Insurance has discounts for mature driver, safe driver, good student, safe vehicle, multiple vehicles, and air bags.
• Liberty Mutual has savings for good student, preferred payment discount, multi-car, newly retired, new graduate, and newly married.
• SAFECO may include discounts for drive less, anti-theft, multi-car, teen safe driver, homeowner, and accident prevention training.
• Progressive discounts include continuous coverage, online quote discount, homeowner, multi-vehicle, multi-policy, online signing, and good student.
• USAA policyholders can earn discounts including safe driver, driver training, new vehicle, multi-vehicle, and loyalty savings.

If you need lower rates, check with each insurance company which discounts they offer. All car insurance discounts may not be offered in Santa Ana.

When should I discuss my situation with an agent?

Always keep in mind that when comparing coverage online or from an agent, there really is not a best way to insure your cars. You are unique.

For example, these questions might point out if your insurance needs might need professional guidance.

• What does medical payments coverage do?
• Are rock chip repairs covered?
• Should I have a commercial auto policy?
• Is my teen driver covered when they drive my company car?
• Who is covered by my policy?
• What if I total my Ford Freestyle and owe more than it's worth?

If it's difficult to answer those questions but a few of them apply, then you may want to think about talking to an insurance agent. If you don't have a local agent, simply complete this short form.

Can't I compare rates from local Santa Ana car insurance agents?

Many drivers still prefer to talk to an insurance agent and we recommend doing that The biggest benefit of comparing rates online is that drivers can save money and get better rates but still work with a licensed agent. And buying from local insurance agents is important particularly in Santa Ana.

To find an agent, once you fill out this simple form, your information is emailed to companies in Santa Ana that can provide free Santa Ana car insurance quotes for your insurance coverage. It simplifies rate comparisons since you won't have to even leave your home because prices are sent instantly to you. You'll get the best rates without the usual hassles of price shopping. In the event you want to quote rates from a specific company, feel free to navigate to their website and give them your coverage information.

If you would like to find local Santa Ana agents, it can be helpful to understand the types of insurance agents that differ in how they can insure your vehicles. Insurance agencies in Santa Ana are considered either independent agents or exclusive agents.

Independent Car Insurance Agents (or Brokers)

Agents of this type are appointed with more than one company and that gives them the ability to insure through lots of different companies and possibly get better coverage at lower prices. If you are not satisfied with one company, an independent agent can move your coverage which is easy for the insured. If you need lower rates, we recommend you get rate quotes from at a minimum one independent agency so that you have a good selection of quotes to compare.

The following is a short list of independent agencies in Santa Ana who can help you get free price quotes.

More Santa Ana agents

Exclusive Car Insurance Agents

Agents that elect to be exclusive have only one company to place business with and examples are Allstate, AAA, Farmers Insurance, and State Farm. They generally cannot provide prices from multiple companies so always compare other rates. They are very knowledgeable in insurance sales which helps overcome the inability to quote other rates.

The following are Santa Ana exclusive agencies that can give you comparison quotes.

More Santa Ana agents

Finding the right insurance agent needs to be determined by more than just a cheap price. Agents should be asked these questions:

• Will the agent help in case of a claim?
• Are claim adjusters local or do you have to take your car somewhere else?
• If independent agents, which companies do they recommend?
• Is the agency covered by Errors and Omissions coverage?
• Which company do they place the most coverage with?
• Do they have any clout with companies to ensure a fair claim settlement?

How to find a good California auto insurance company

Insuring your vehicle with a highly-rated insurance company can be a challenge considering how many different companies insure vehicles in California. The information below may help you pick which providers to look at when looking for cheaper rates.

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%

Top 10 Santa Ana Car Insurance Companies Overall

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

Lower rates by being persistent

In this article, we covered many tips how you can shop for Ford Freestyle insurance online. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. You may even discover the biggest savings come from a lesser-known regional company.

When shopping online for auto insurance, it's very important that you do not reduce coverage to reduce premium. Too many times, someone dropped collision coverage to discover at claim time that it was a big mistake. Your goal should be to purchase plenty of coverage at a price you can afford while still protecting your assets.

Discount Ford Freestyle insurance in Santa Ana can be sourced on the web and from local agencies, so you should compare both to get a complete price analysis. Some insurance providers do not offer the ability to get a quote online and most of the time these regional carriers prefer to sell through independent insurance agencies.

To read more, link through to the articles below:

• Honda warning system reduces insurance claims (Insurance Institute for Highway Safety)
• Who Has Cheap Auto Insurance for Infrequent Drivers in Santa Ana? (FAQ)
• What Auto Insurance is Cheapest for Seniors in Santa Ana? (FAQ)
• How to Avoid Staged Accidents (State Farm)
• Keeping Children Safe in Crashes Video (iihs.org)
• Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
• What are my Rights when Filing a Claim? (Insurance Information Institute)