If you want to save the most money, the best way to get discount Volvo XC60 insurance is to compare prices regularly from companies in Santa Ana. Price quotes can be compared by completing these steps.
- First, try to learn a little about how insurance works and the changes you can make to keep rates low. Many rating criteria that cause high rates like speeding tickets, careless driving and a lousy credit rating can be amended by making minor driving habit or lifestyle changes.
- Second, compare prices from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only provide price estimates from a single company like GEICO or Allstate, while independent agents can provide price quotes from multiple companies.
- Third, compare the new quotes to your current policy premium and see if you can save money. If you find a lower rate quote, make sure coverage does not lapse between policies.
- Fourth, give proper notification to your current agent or company to cancel your existing policy. Submit payment and a completed application to your new company or agent. As soon as you have the new policy, put the new certificate verifying coverage in your glove compartment.
One important bit of advice is that you use the same coverage limits and deductibles on every price quote and and to get quotes from as many different companies as possible. Doing this enables the most accurate price comparison and many rates to choose from.
Amazingly, almost 70% of insureds have stayed with the same insurance company for more than four years, and about 40% of consumers have never compared quotes from other companies. Santa Ana insurance shoppers can save hundreds of dollars each year by just comparing quotes, but they just don't understand how easy it is to save money by comparing rate quotes.
If you have coverage now or just want cheaper rates, you can follow these tips to buy cheaper insurance without reducing protection. This article's goal is to familiarize you with the best way to quote coverages and some money-saving tips. Drivers just need to learn the fastest way to shop for insurance on the web.
Finding low cost Santa Ana auto insurance prices can be relatively painless. Just spend a few minutes comparing price quotes from different insurance companies.
The providers in the list below offer free quotes in California. If multiple companies are shown, we recommend you click on several of them to get the best price comparison.
Rates and detailed analysis
The rate information shown below showcases a range of insurance costs for Volvo XC60 models. Understanding how auto insurance premiums are figured can aid in making informed decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XC60 3.2 2WD | $390 | $576 | $492 | $30 | $148 | $1,636 | $136 |
| XC60 3.2 AWD | $440 | $576 | $492 | $30 | $148 | $1,686 | $141 |
| XC60 T6 AWD AWD | $440 | $678 | $492 | $30 | $148 | $1,788 | $149 |
| XC60 T6-R AWD AWD | $490 | $678 | $492 | $30 | $148 | $1,838 | $153 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Rate quotes do not factor in garaging location in Santa Ana which can change coverage rates greatly.
Analysis of deductible levels
One frequently asked question is where should you set your physical damage deductibles. The following insurance rates can help illustrate the rate differences of buying low and high physical damage deductibles. The first data set uses a $100 physical damage deductible and the second set of rates uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XC60 3.2 2WD | $380 | $686 | $376 | $22 | $112 | $1,601 | $133 |
| XC60 3.2 AWD | $430 | $686 | $376 | $22 | $112 | $1,651 | $138 |
| XC60 T6 AWD AWD | $430 | $810 | $376 | $22 | $112 | $1,775 | $148 |
| XC60 T6-R AWD AWD | $478 | $810 | $376 | $22 | $112 | $1,823 | $152 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XC60 3.2 2WD | $278 | $464 | $376 | $22 | $112 | $1,252 | $104 |
| XC60 3.2 AWD | $314 | $464 | $376 | $22 | $112 | $1,288 | $107 |
| XC60 T6 AWD AWD | $314 | $546 | $376 | $22 | $112 | $1,370 | $114 |
| XC60 T6-R AWD AWD | $348 | $546 | $376 | $22 | $112 | $1,404 | $117 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Estimates do not factor in zip code location which can lower or raise coverage rates substantially.
Based on this data, we can arrive at the conclusion that using a $100 deductible would cost the average driver about $32 more each month or $384 annually across all Volvo XC60 models than opting for the higher $500 deductible. Because you would pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you normally go at least 13 months between claims, you would save money if you choose the higher deductible.
Compare prices but buy from a local Santa Ana insurance agent
Many people just prefer to buy from a local agent and that is a smart decision Good insurance agents can help determine the best coverages and help submit paperwork. The biggest benefit of getting online price quotes is that you can obtain the lowest rates but also keep your business local.
For easy comparison, once you complete this quick form, the coverage information is immediately sent to local insurance agents that can provide free Santa Ana auto insurance quotes for your coverage. You never need to find an agent on your own because prices are sent immediately to you. If for some reason you want to compare rates from a specific insurance provider, feel free to find their quoting web page to submit a rate quote request.
Finding the right company should include more criteria than just the quoted price. These questions are important to ask:
- Does the agent have professional designations like CIC, CPCU or AIC?
- What company holds the largest book of business for them?
- How much can you save by raising your physical damage deductibles?
- Where are claims handled?
- Is coverage determined by price?
- Do they have a Better Business Bureau rating in Santa Ana?
- How long has their agency been in business in Santa Ana?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
The type of car insurance agent you choose is important
If you are wanting to purchase insurance from a reputable insurance agent or broker, it's important to understand the types of agencies from which to choose. Santa Ana agents are classified as either independent or exclusive depending on the company they work for. Both types of agents can write policy coverage, but it's worth learning the difference between them because it can impact which type of agent you select.
Exclusive Agents
Exclusive insurance agents have only one company to place business with and some examples include Farmers Insurance, State Farm, or Allstate. Exclusive agents are unable to provide other company's prices so keep that in mind. These agents receive a lot of sales training on sales techniques which aids in selling service over price. Consumers often use the same agent primarily because of the brand and strong financial ratings.
The following is a list of exclusive insurance agents in Santa Ana who may provide you with comparison quotes.
- Farmers Insurance - Daniel Canzone
2323 N Tustin Ave, Ste E-F - Santa Ana, CA 92705 - (714) 203-6033 - View Map - Farmers Insurance: Ray Cheng Insurance Agency Inc.
540 N Golden Cir Dr #315 - Santa Ana, CA 92705 - (888) 395-4847 - View Map - Allstate Insurance: Octavio R E Pina
1926 S Main St - Santa Ana, CA 92707 - (714) 444-3022 - View Map
Independent Agents (or Brokers)
Agents that elect to be independent can sell policies from many different companies so they have the ability to put coverage with any number of different companies and help determine which has the cheapest rates. If you are not satisfied with one company, an independent agent can move your coverage and you don't have to do anything. If you are comparing rate quotes, we recommend you get quotes from multiple independent agents to ensure the widest selection of prices. A lot of them also have access to small mutual carriers that many times have cheaper rates.
Shown below is a short list of independent insurance agencies in Santa Ana that can give you comparison quotes.
- Velece Insurance
830 N Ross St - Santa Ana, CA 92701 - (714) 558-1034 - View Map - First American Property and Casualty Insurance Group
4 First American Way - Santa Ana, CA 92701 - (714) 560-7850 - View Map - AutoCoast Insurance Agency
912 N Harbor Blvd - Santa Ana, CA 92703 - (714) 956-3100 - View Map