Affordable Insurance for a Dodge Magnum in Santa Ana

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We don't have to point out that fact that insurance companies want to prevent you from shopping around. Drivers who compare rates at least once a year are highly likely to switch companies because there is a good chance of finding coverage at a cheaper rate. Remarkably, a study showed that people who regularly shopped around saved $3,500 over four years compared to policyholders who never shopped around for cheaper prices.

If finding low prices for insurance in Santa Ana is your target objective, then having some knowledge of how to shop and compare auto insurance can save time and money.

Insurance rates Dodge Magnum in Santa AnaThe best way to get low-cost Dodge Magnum insurance in Santa Ana is to begin comparing prices regularly from different companies who provide auto insurance in California.

  • First, get a basic knowledge of what coverages are included in your policy and the things you can change to prevent rate increases. Many factors that cause rate increases like speeding tickets, accidents and a low credit score can be controlled by making small lifestyle or driving habit changes. Later in this article we will cover additional tips to help prevent high rates and find more discounts that you may not know about.
  • Second, request price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only quote rates from one company like GEICO or State Farm, while agents who are independent can give you price quotes for a wide range of insurance providers.
  • Third, compare the new quotes to the price on your current policy and see if you can save money. If you can save money and buy the policy, make sure there is no lapse in coverage.

One bit of advice is to use the same liability limits and deductibles on each price quote and and to get price quotes from as many different insurance providers as possible. This ensures a fair price comparison and a complete price analysis.

Most companies such as State Farm, Allstate and GEICO give insurance quotes on the web. Getting quotes for Dodge Magnum insurance in Santa Ana is quite easy as you just type in your personal and coverage information into the quote form. After the form is submitted, their quoting system obtains reports for credit and driving violations and gives you a price quote based on these factors.

Getting online price quotes for Dodge Magnum insurance in Santa Ana makes it easy to compare insurance prices and it is important to perform this step if you want to find cheaper auto insurance pricing.

To compare rates using this form now, visit the companies below or click here to submit a quote request to multiple companies at once. If you have coverage now, it's recommended you copy the coverages just like they are on your policy. Doing this guarantees you will have an apples-to-apples comparison for the exact same coverage.

The following companies are ready to provide free rate quotes in Santa Ana, CA. If multiple companies are listed, we suggest you visit two to three different companies to get a more complete price comparison.

Get cheaper Dodge Magnum insurance rates in Santa Ana

Not many people think insurance is cheap, but companies offer discounts that many consumers don't even know exist. Certain credits will be shown at quote time, but a few must be manually applied prior to getting the savings. If you check and find you aren't receiving every discount available, you could be saving more on your auto insurance.Auto insurance discounts

  • Accident-Free Discounts - Drivers who don't have accidents get the best auto insurance rates when compared with bad drivers.
  • Discounts for Government Workers - Active or former government employment could qualify for a slight premium decrease depending on your company.
  • Discount for Low Mileage - Low mileage vehicles can qualify you for better prices on cars that stay parked.
  • Drive Safe and Save - Insureds who avoid accidents can pay as much as 50% less compared to rates paid by drivers with frequent claims.
  • Own a Home and Save - Owning your own home or condo can help you save on auto insurance since home ownership requires personal responsibility.
  • Military Discounts - Having an actively deployed family member could be rewarded with lower rates.
  • Braking Control Discount - Cars and trucks that have steering control and anti-lock brakes are much safer to drive and qualify for as much as a 10% discount.
  • Driver Training Discounts - Taking time to complete a defensive driver course may get you a small discount and easily pay for the cost of the class.

As a footnote on discounts, some credits don't apply to the overall cost of the policy. Most only cut the cost of specific coverages such as comprehensive or collision. So when it seems like all the discounts add up to a free policy, you aren't that lucky.

A partial list of companies that may have these benefits may include but are not limited to:

When comparing rates, check with all companies you are considering to give you their best rates. Depending on the company, some discounts may not be available in Santa Ana. To see providers offering auto insurance discounts in Santa Ana, click here.

Eight factors that impact insurance premiums

Many things are used in the calculation when quoting car insurance. Some are obvious like your driving record, but some are more obscure such as your marital status or how safe your car is.

  • Pay more for higher performance vehicles - The performance of the car or truck you need to insure makes a significant difference in your car insurance bill. The lowest rates will generally be found on lower cost passenger models, but the final cost of insurance is determined by many other factors.
  • Having a spouse is a good thing - Getting married may cut your premiums on your insurance policy. Marriage means you're more stable financially it has been statistically shown that married drivers tend to have fewer serious accidents.
  • Discounts for auto and home policies - The majority of insurers allow a discount to people that buy multiple policies. It's known as a multi-policy discount. The amount of the discounts can be five, ten or even twenty percent. Even with this discount applied, consumers should still get quotes from other companies to help ensure you have the lowest rates. You may still find a better deal by insuring with multiple companies.
  • Buy as much liability coverage as you can afford - Your policy's liability coverage will protect you when you are found liable for an accident. Liability provides legal defense which can be incredibly expensive. Liability insurance is pretty cheap compared to insuring for physical damage coverage, so do not skimp.
  • Insurance policy lapses lead to higher premiums - Going without insurance can be a sure-fire way to increase your renewal premiums. In addition to paying higher premiums, getting caught without coverage can result in fines and jail time. You may then have to prove you have insurance by filing a SR-22 with the California motor vehicle department to get your license reinstated.
  • Your stress level may be raising your rates - Did you know your career choice can influence rates? Occupations like real estate brokers, social workers, and miners have higher average rates because of stressful work requirements and long work days. Other professions such as actors, athletes and performers receive lower rates.
  • Driving citations can be expensive - Just one chargeable violation could increase your next policy renewal forty percent or more. Careful drivers pay less for auto insurance than bad drivers. Drivers with flagrant violations such as reckless driving or DUI may be required to maintain a SR-22 to the state department of motor vehicles in order to prevent a license revocation.
  • Little extras can really add up - Policies have extra add-on coverages that you can buy on your Magnum policy. Coverage for things like roadside assistance, towing coverage, and term life insurance may be costing you every month. They may sound like good ideas when discussing your needs, but your needs may have changed so consider taking them off your policy.

Insurance agent or online?

Some people still prefer to get professional advice from a licensed agent and that is not a bad decision The biggest benefit of getting online price quotes is the fact that drivers can get cheap rate quotes but still work with a licensed agent. Putting coverage with local agents is especially important in Santa Ana.

Find insurance agent in Santa AnaFor easy comparison, once you complete this simple form, your insurance coverage information is immediately sent to companies in Santa Ana who want to provide quotes for your coverage. There is no reason to visit any agencies because prices are sent to you directly. You can find the lowest rates without having to waste a lot of time. If for some reason you want to get a price quote from one company in particular, you can always navigate to their website and give them your coverage information.

If you are wanting to purchase car insurance from local Santa Ana agents, there are a couple of types of agencies and how they operate. Insurance agencies in Santa Ana can be classified as either independent agents or exclusive agents.

Independent Insurance Agents

Agents of this type do not have single company limitations and that gives them the ability to insure through many companies and find you cheaper rates. If your premiums go up, they simply move the coverage in-house which is easy for the insured.

When shopping rates, you will definitely want to get rate quotes from independent agents to have the most options to choose from. Most can insure with companies you've never heard of which can be an advantage.

The following is a short list of independent agents in Santa Ana who may provide price quotes.

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Exclusive Insurance Agents

Agents that elect to be exclusive can only provide one company's prices and some examples include Allstate and State Farm. Exclusive agents cannot shop your coverage around so if the price isn't competitive there isn't much they can do. Exclusive agents are highly trained on what they offer which helps overcome the inability to quote other rates. A lot of people choose to use an exclusive agent mainly due to loyalty to the company rather than low price.

Below are Santa Ana exclusive agencies willing to provide rate quotes.

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Selecting an insurance agency should depend on more than just a cheap price quote. These are valid questions to ask:

  • Are there any hidden costs in their price quote and does it include driving and credit history?
  • Where would your vehicle be repaired?
  • How much experience to they have in personal lines coverages?
  • Is the agency active in community causes in Santa Ana?
  • Do you work with a CSR or direct with the agent?
  • Do you have coverage for a rental car if your vehicle is in the repair shop?
  • Will they make sure you get an adequate claim settlement?
  • How is replacement cost determined on your vehicle?

Once you have received answers to your satisfaction to any questions you may have and cheap Magnum insurance quotes, it's possible that you found an auto insurance agent that will adequately provide car insurance.

Auto insurance company ratings

Finding the top auto insurance company is difficult considering how many choices drivers have in Santa Ana. The company ratings shown next could help you pick which insurers to look at comparing price quotes from.

Top 10 Santa Ana Car Insurance Companies Ranked by Customer Service

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

Top 10 Santa Ana Car Insurance Companies by A.M. Best Rank

  1. USAA - A++
  2. Travelers - A++
  3. State Farm - A++
  4. GEICO - A++
  5. Esurance - A+
  6. Nationwide - A+
  7. Allstate - A+
  8. Mercury Insurance - A+
  9. Progressive - A+
  10. Titan Insurance - A+

Cheaper auto insurance is a realistic goal

As you prepare to switch companies, don't be tempted to skimp on critical coverages to save a buck or two. There are a lot of situations where someone dropped collision coverage only to find out that it was a big error on their part. Your focus should be to buy enough coverage at an affordable rate.

We just presented a lot of tips how to reduce Dodge Magnum insurance car insurance rates online in Santa Ana. The most important thing to understand is the more times you quote, the higher your chance of finding affordable Dodge Magnum insurance quotes. Consumers could even find that the biggest savings come from some of the lesser-known companies.

Cheaper auto insurance in Santa Ana is definitely available online and from local agencies, so you need to quote Santa Ana car insurance with both to have the best selection. Some auto insurance companies do not provide price quotes online and usually these regional insurance providers only sell through local independent agents.

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