It takes a little time, but the best way to get the cheapest Subaru BRZ insurance in Santa Ana is to compare quotes annually from companies that sell auto insurance in California.
- Step 1: Take a few minutes and learn about how insurance works and the things you can change to prevent expensive coverage. Many rating criteria that cause rate increases like getting speeding tickets and a low credit score can be amended by paying attention to minor details. Later in this article we will cover the details to find cheap rates and find available discounts that you may qualify for.
- Step 2: Get rate quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only provide price estimates from one company like GEICO and Allstate, while independent agencies can provide rate quotes from multiple companies.
- Step 3: Compare the quotes to your existing coverage to see if a cheaper price is available. If you can save money, make sure coverage does not lapse between policies.
- Step 4: Notify your agent or company of your intent to cancel your current coverage. Submit the completed application along with a down payment to the new company. Once the paperwork is finalized, keep your new certificate of insurance with the vehicle registration.
The most important part of shopping around is to use identical deductibles and limits on each quote request and and to get quotes from as many companies as feasibly possible. This enables an apples-to-apples comparison and the best rate selection.
It goes without saying that car insurance companies don't want you to compare rates. Consumers who get comparison quotes once a year are very likely to move their business because they have good chances of finding discount prices. Surprisingly, a recent survey revealed that drivers who compared rates annually saved about $865 a year compared to drivers who never shopped around for cheaper prices.
If finding the cheapest rates on Subaru BRZ insurance in Santa Ana is your intention, then having some knowledge of how to find and compare coverages can make the process less intimidating.
Just remember that comparing a large number of companies helps increase your odds of locating the best price.
The providers in the list below provide free rate quotes in California. If multiple companies are listed, we suggest you click on several of them to get a more complete price comparison.
When in doubt talk to an agent
Always remember that when buying the right insurance coverage for your vehicles, there really isn't a perfect coverage plan. Your needs are not the same as everyone else's and your car insurance should be unique as well.
For instance, these questions may help you determine if you might need professional guidance.
- Does car insurance cover theft of personal property?
- What is the rate difference between pleasure use and commuting?
- What are the financial responsibility laws in my state?
- Am I better off with higher deductibles on my Subaru BRZ?
- I have a DUI can I still get coverage?
- What is the minimum liability in California?
- Am I covered if I hit someone who is not insured?
- Do I pay less if my vehicle is kept in my garage?
- Does my personal policy cover me when driving out-of-state?
If you're not sure about those questions, you might consider talking to a licensed insurance agent. If you don't have a local agent, complete this form or you can go here for a list of companies in your area.
Local Santa Ana insurance agents
Many drivers would prefer to go talk to an agent. An additional benefit of comparing rates online is the fact that you can find cheap rate quotes and also buy local. Buying from local insurance agencies is still important in Santa Ana.
By using this form (opens in new window), your insurance data is transmitted to local insurance agents who will give competitive quotes for your coverage. You won't even need to drive around due to the fact that quote results will go instantly to you. You can most likely find cheaper rates without the usual hassles of price shopping. If you wish to quote rates from a particular provider, you can always go to their quote page and submit a quote form there.
Two types of Santa Ana car insurance agents
If you want to buy insurance from a reputable insurance agent or broker, it helps to know the two different agency structures to choose from. Insurance policy providers can either be independent or exclusive depending on the company they work for.
Independent Agents
Independent insurance agents are not limited to a single company and that allows them to write policies with an assortment of companies and get you the best rates possible. If your agent finds better pricing, the business is moved internally and you can keep the same agent. When shopping rates, it's a good idea to contact at least one independent agent to ensure the widest selection of prices. They also have the ability to place coverage with smaller companies which can save you money.
Below is a list of independent agencies in Santa Ana that can possibly get you cheap rate quotes.
- Tutton Insurance Services Inc
2913 S. Pullman St - Santa Ana, CA 92705 - (949) 261-5335 - View Map - FIRST HOME INSURANCE AGENCY
1522 E 4th St - Santa Ana, CA 92701 - (714) 560-8835 - View Map - First American Property and Casualty Insurance Group
4 First American Way - Santa Ana, CA 92701 - (714) 560-7850 - View Map
Exclusive Insurance Agents
Exclusive agents work for only one company and examples are State Farm, Allstate, or Farmers Insurance. Exclusive agencies are unable to provide prices from multiple companies so always compare other rates. Exclusive agencies are well trained on their company's products which helps them sell insurance even at higher premiums. Drivers often buy insurance from these agents primarily because of the brand legacy and the convenience of having a single billing for all their coverages.
The following is a list of exclusive agents in Santa Ana willing to provide price quote information.
- Aidee Lopez - State Farm Insurance Agent
3750 W McFadden Ave e - Santa Ana, CA 92704 - (714) 775-3090 - View Map - Farmers Insurance - Daniel Canzone
2323 N Tustin Ave, Ste E-F - Santa Ana, CA 92705 - (714) 203-6033 - View Map - Farmers Insurance Agency: Blake Robbins
3611 S Harbor Blvd #200 - Santa Ana, CA 92704 - (417) 263-1934 - View Map
Deciding on an insurance agent requires you to look at more than just the quoted price. Get answers to these questions too.
- Does the agent have professional designations like CIC, CPCU or AIC?
- Do they have 24-hour customer assistance?
- How many years of experience in personal auto insurance do they have?
- Do the companies they represent have a solid financial rating?
- Are there any extra charges for paying monthly?
- Are they full-time agents?