Compare Pontiac Grand Am Insurance Quotes in Santa Ana

Unthinkable but true, the vast majority of consumers have purchased from the same company for a minimum of four years, and almost 40% of drivers have never quoted rates to find affordable coverage. With the average car insurance premium being $1,387, California drivers could save $470 a year by just comparing quotes, but they underestimate the benefits if they switched to a cheaper policy.

It takes a little time, but the best way to find more affordable auto insurance rates is to compare prices regularly from different companies in Santa Ana. This can be done by following these guidelines.

Step 1: Try to learn a little about coverages and the measures you can control to keep rates in check. Many rating criteria that drive up the price like traffic citations and an unacceptable credit score can be remedied by improving your driving habits or financial responsibility.

Step 2: Obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only provide price estimates from one company like GEICO or Allstate, while agents who are independent can give you price quotes from many different companies.

Step 3: Compare the new rate quotes to your current policy premium to see if switching to a new carrier will save money. If you can save money, make sure the effective date of the new policy is the same as the expiration date of the old one.

Step 4: Provide written notification to your current company of your intent to cancel your current policy. Submit payment and a completed application to the new company. As soon as you have the new policy, keep your new proof of insurance certificate in an accessible location in your vehicle.

One key aspect of rate comparisons is to use similar deductibles and liability limits on each price quote and and to analyze as many companies as possible. This guarantees an accurate price comparison and the best price selection.

How to lower your Pontiac Grand Am insurance cost in Santa Ana, CA

Most larger insurance companies such as Allstate, GEICO and Progressive allow you to get coverage prices on the web. Getting online quotes for Pontiac Grand Am insurance in Santa Ana is possible for anyone as you just enter your coverage information into the quote form. When complete, the system requests reports for credit and driving violations and provides a quote. Quoting online for Pontiac Grand Am insurance in Santa Ana simplifies rate comparisons, and it is important to do this in order to find a better rate.

In order to find out if lower rates are available, check out the insurance providers below. If you have your current policy handy, we recommend you complete the form with the limits and deductibles as shown on your current policy. Doing this guarantees you will receive a price comparison based on identical coverages.

The companies shown below provide free quotes in California. If multiple providers are shown, we suggest you click on several of them in order to find the most affordable rates.

Do you qualify for discounts on Pontiac Grand Am insurance in Santa Ana?

Some companies don't list every discount in a way that's easy to find, so the following list contains some of the best known in addition to some of the lesser obvious credits available to bring down your rates. If you do not check that you are getting every discount you deserve, you could be saving more on your auto insurance.

• No Accidents - Insureds who avoid accidents and claims can earn big discounts compared to accident-prone drivers.
• Sign Online - A few companies will give you a small discount for buying a policy and signing up online.
• Save over 55 - Drivers that qualify as senior citizens are able to get reduced rates.
• Service Members Pay Less - Being on active deployment in the military could trigger a small discount.
• Accident Forgiveness - Not really a discount, but companies like Progressive, Allstate, and Liberty Mutual will turn a blind eye to one accident without the usual rate increase if you have no claims for a set time period.
• Include Life Insurance and Save - Larger insurance companies have a discounted auto insurance rate on car insurance if you buy life insurance from them.

As a sidenote, many deductions do not apply to the overall cost of the policy. The majority will only reduce individual premiums such as physical damage coverage or medical payments. So even though you would think having all the discounts means you get insurance for free, companies wouldn't make money that way. Any amount of discount should help lower your overall premium however.

A list of auto insurance companies and a selection of discounts are:

• 21st Century may have discounts that include good student, driver training, air bags, teen driver, student driver, and early bird.
• Progressive may offer discounts for online signing, multi-vehicle, multi-policy, good student, homeowner, and continuous coverage.
• State Farm discounts include safe vehicle, student away at school, driver's education, multiple policy, good student, and passive restraint.
• Nationwide includes discounts for Farm Bureau membership, business or organization, good student, multi-policy, and anti-theft.
• Esurance offers premium reductions for Pac-12 alumni, anti-theft, multi-car, good student, defensive driver, and good driver.
• The Hartford has savings for air bag, good student, driver training, anti-theft, vehicle fuel type, and bundle.

When getting free Santa Ana car insurance quotes, it's a good idea to every prospective company how you can save money. Some credits may not apply to policyholders in every state. For a list of providers that have a full spectrum of discounts in California, click here.

Components of Your Pontiac Grand Am Insurance Prices

Lots of things are part of the calculation when you get a price on insurance. Some are pretty understandable such as traffic violations, but others are more transparent such as whether you are married or your commute time. Consumers need to have an understanding of the rating factors that play a part in calculating your insurance rates. If you understand what influences your rates, this allows you to make educated decisions that could result in lower insurance prices.

The factors shown below are a partial list of the pieces utilized by car insurance companies to help set your premiums.

• Premiums are lower the older you get - Youthful drivers in California are proven to get distracted easily when driving and because of this, their insurance rates are much higher. Older insureds are shown to be more cautious, cost insurance companies less in claims, and usually have better credit.
• Insurance prices and driver gender - Over the last 30 years, statistics show that women are safer drivers than men. However, this does not mean females are better at driving than males. Males and females cause auto accidents in similar numbers, but the men have costlier accidents. They also get cited for more serious violations like driving under the influence (DUI). Youthful male drivers are most likely to cause an accident and therefore have the most expensive insurance rates.
• Save money by having high credit - Having a good credit score will be a significant factor in determining what you pay for insurance. Drivers with very high credit ratings tend to be more responsible and file fewer claims than drivers with lower ratings. So if your credit score is not that good, you could save money insuring your Pontiac Grand Am if you improve your credit rating.
• Type of vehicle determines base premiums - The performance of the car you own makes a substantial difference in your car insurance bill. Lower cost passenger cars receive the most favorable rates, but the final cost of insurance is determined by many other factors.
• Never go without insurance - Having a gap between insurance policy dates can be a sure-fire way to trigger a rate increase. And not only will your rates increase, getting caught without coverage might get you fines or a revoked license. You could then be forced to submit proof of financial responsibility or a SR-22 with the California motor vehicle department to get your license reinstated.
• Car and home together may be cheaper - The majority of insurance companies apply discounts to clients that have more than one policy. It's known as a multi-policy discount. The discount can be ten percent or more. Even if you qualify for this discount already, you may still want to comparison shop to help guarantee you have the best rates.

Local Santa Ana insurance agencies

A small number of people just prefer to have an agent's advice and that is a smart decision Professional insurance agents can point out coverage gaps and help file insurance claims. An additional benefit of comparing auto insurance online is you can get cheaper car insurance rates but also keep your business local. Putting coverage with local insurance agents is especially important in Santa Ana.

To find an agent, once you fill out this form (opens in new window), the coverage information is emailed to local insurance agents that provide free Santa Ana car insurance quotes and help you find cheaper coverage. There is no need to find an agent on your own because quoted prices will be sent straight to your inbox. If you want to compare prices for a specific company, you would need to jump over to their website and fill out the quote form the provide.

Types of auto insurance agents in Santa Ana

If you prefer to buy auto insurance from a reliable agent, you must know there are a couple different agency structures to choose from. Agents can be classified as either exclusive or independent (non-exclusive). Either one can insure your vehicles properly, but it is a good idea to know how they are different because it can factor into your selection of an agent.

Independent Auto Insurance Agencies or Brokers

These agents do not sell for just one brand and that is an advantage because they can write policies with a variety of different insurance companies enabling the ability to shop coverage around. If you want to switch companies, they can switch companies in-house which makes it simple for you. If you are trying to find cheaper rates, it's recommended you compare quotes from at least one independent agent in order to compare the most rates.

Shown below are Santa Ana independent insurance agents that may be able to give comparison quotes.

More Santa Ana agents

Exclusive Insurance Agents

These type of agents generally can only insure with one company like State Farm or Allstate. Exclusive agents cannot compare other company's rates so it's a take it or leave it situation. Exclusive insurance agents are very knowledgeable on their company's products which helps offset the inability to provide other markets.

Listed below are exclusive agencies in Santa Ana who can help you get price quote information.

More Santa Ana agents

Picking an auto insurance agent needs to be determined by more than just the premium amount. The answers to these questions are important, too.

• If your car is totaled, how to they determine the replacement cost?
• Will the company cover a rental car if your car is getting fixed?
• Is the coverage adequate for your vehicle?
• Will they take your side in the event of a claim?
• Do they write coverage based solely on cost?
• Which members of your family are coverage by the policy?
• Will vehicle repairs be made with aftermarket parts or OEM replacement parts?

Quote often and quote early

When trying to cut insurance costs, do not sacrifice coverage to reduce premiums. There are many occasions where an insured cut comprehensive coverage or liability limits only to discover later they didn't purchase enough coverage. Your goal is to buy enough coverage at an affordable rate, but do not skimp to save money.

Lower-priced Pontiac Grand Am insurance in Santa Ana can be found both online as well as from insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some insurance companies don't offer online rate quotes and these regional insurance providers provide coverage only through independent agencies.

Additional detailed information is available at these sites:

• Vehicle Insurance (Wikipedia)
• Who Has Cheap Auto Insurance Rates for Government Employees in Santa Ana? (FAQ)
• Auto Theft Statistics (Insurance Information Institute)
• Child Safety Seats (Insurance Information Institute)