If saving money is your primary concern, then the best way to find discount auto insurance rates is to compare prices at least once a year from providers who provide car insurance in Santa Ana. Drivers can shop around by following these steps.
- Try to learn a little about policy coverages and the changes you can make to keep rates in check. Many factors that drive up the price like traffic tickets, fender benders, and a not-so-good credit rating can be amended by making small lifestyle or driving habit changes.
- Obtain price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can give quotes from one company like Progressive or State Farm, while agents who are independent can provide price quotes from many different companies. View companies
- Compare the new rates to your current policy to see if a cheaper rate is available. If you find a better price and change companies, make sure coverage is continuous and does not lapse.
- Provide adequate notice to your current company of your intention to cancel your current policy. Submit the required down payment along with the signed application for your new coverage. Don't forget to store the proof of insurance paperwork with your vehicle's registration.
The most important part of shopping around is to make sure you enter the same level of coverage on each quote and and to get rate quotes from as many companies as possible. This enables a fair rate comparison and maximum price selection.
Everyone knows that car insurance companies don't want you to compare rates. People who perform rate comparisons will most likely buy a new policy because they have a good chance of finding a more affordable policy. A recent insurance study revealed that people who routinely shopped for cheaper coverage saved about $3,500 over four years compared to other drivers who never shopped for cheaper rates.
If finding the lowest price on Honda S2000 insurance in Santa Ana is your objective, then having an understanding of how to quote and compare insurance can make the process more efficient.
How to compare Santa Ana Honda S2000 insurance price quotes
The car insurance companies shown below are ready to provide price quotes in Santa Ana, CA. If multiple providers are shown, we recommend you visit two to three different companies to get the best price comparison.
Lower rate quotes on Honda S2000 insurance in Santa Ana with these discounts
The cost of insuring your cars can be expensive, but there may be some discounts that you may not know about. Certain reductions will be credited when you quote, but some need to be specifically requested prior to getting the savings.
- Defensive Driver Discount - Taking part in a class that teaches driver safety techniques may get you a small discount and make you a better driver.
- Buy New and Save - Buying a new car model can save you some money because new vehicles have to meet stringent safety requirements.
- Discounts for Multiple Vehicles - Purchasing coverage when you have multiple cars or trucks with the same insurance company can reduce the rates for all insured vehicles.
- Senior Citizen Discount - Older drivers are able to get reduced rates.
- Full Payment Discount - If paying your policy premium upfront instead of making monthly payments you may reduce your total bill.
Don't be surprised that most discount credits are not given to your bottom line cost. Some only apply to specific coverage prices like comp or med pay. Even though it appears you can get free auto insurance, company stockholders wouldn't be very happy.
Large insurance companies and some of their more popular discounts can be read below.
- Progressive policyholders can earn discounts including online quote discount, multi-vehicle, continuous coverage, good student, online signing, homeowner, and multi-policy.
- SAFECO offers discounts including drive less, bundle discounts, teen safe driver, anti-theft, and multi-car.
- American Family discounts include TimeAway discount, mySafetyValet, air bags, accident-free, and good student.
- MetLife has savings for good driver, accident-free, defensive driver, good student, and claim-free.
- GEICO may offer discounts for federal employee, driver training, daytime running lights, military active duty, and multi-policy.
- The Hartford offers premium reductions for vehicle fuel type, good student, air bag, defensive driver, anti-theft, and driver training.
When getting free Santa Ana auto insurance quotes, it's a good idea to all companies you are considering to give you their best rates. A few discounts might not apply everywhere. To see companies who offer insurance discounts in California, click here to view.
Auto insurance is not optional in California
Despite the high cost, maintaining insurance is required for several reasons.
- Most states have compulsory liability insurance requirements which means it is punishable by state law to not carry specific limits of liability insurance coverage if you drive a vehicle. 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 S2000, almost every bank will have a requirement that you have full coverage to guarantee payment of the loan. If you do not pay your insurance premiums, the bank or lender will purchase a policy for your Honda at a more expensive rate and require you to fork over the higher price.
- Auto insurance protects both your assets and your Honda S2000. It will also reimburse you for most medical and hospital costs incurred in an accident. Liability insurance, one of your policy coverages, will also pay for a defense attorney in the event you are sued. If you receive damage to your vehicle caused by a storm or accident, comprehensive and collision coverage will cover the repair costs.
The benefits of having insurance more than cancel out the cost, specifically if you ever have a liability claim. According to a recent study, the average American driver is currently overpaying as much as $830 a year so you should quote rates at least once a year to ensure rates are competitive.
When to talk to an insurance agent
A lot of people prefer to buy from a licensed agent and that is just fine! Agents can point out coverage gaps and help you file claims. A good thing about getting online price quotes is that drivers can save money and get cheap car insurance quotes and still buy from a local agent.
To help locate an agent, after submitting this short form, your insurance coverage information is emailed to agents in your area that can provide free Santa Ana auto insurance quotes and help you find cheaper coverage. There is no need to search for an agent because prices are sent immediately to your email address. If you have a need to get a rate quote for a specific company, just find their quoting web page and give them your coverage information.
Finding the right insurance company should include more criteria than just a cheap price. Any agent in Santa Ana should be forthright in answering these questions:
- How are claims handled?
- Do you work with a CSR or direct with the agent?
- Will they make sure you get an adequate claim settlement?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Do they specialize in personal lines auto insurance in Santa Ana?
- How are they compensated?
If you want to use a reliable agent, you need to know there are two different types of agents that you can select. Car insurance agents in Santa Ana are classified as either exclusive agents or independent agents. Both types can sell affordable car insurance policies, but it is a good idea to know how they differ because it may have an impact on which agent you choose.
Exclusive Insurance Agents
Agents in the exclusive channel can only provide one company's prices like American Family, State Farm, and Allstate. Exclusive agents cannot provide prices from multiple companies so they have no alternatives for high prices. Exclusive agencies are well schooled on what they offer which helps overcome the inability to quote other rates. Consumers frequently choose to use a exclusive agent partially due to the brand rather than having low rates.
The following are Santa Ana exclusive insurance agents that are able to give comparison quotes.
- Farmers Insurance: Ray Cheng Insurance Agency Inc.
540 N Golden Cir Dr #315 - Santa Ana, CA 92705 - (888) 395-4847 - View Map - Peggy Bates - State Farm® Insurance Agent
2723 N Bristol St #1 - Santa Ana, CA 92706 - (714) 543-0422 - View Map - Allstate Insurance: Jorge Bendeck
3929 S Bristol St Ste 201 - Santa Ana, CA 92704 - (714) 832-3900 - View Map
Independent Insurance Agents
These type of agents can sell policies from many different companies and that is an advantage because they can write policies amongst many companies depending on which coverage is best. If you are not satisfied with one company, they simply move the coverage in-house and you won't have to switch agencies.
When comparing rate quotes, we recommend you contact multiple independent agents so that you can do a thorough price comparison. Most can insure with smaller companies which can save you money.
The following are Santa Ana independent agencies who can help you get comparison quotes.
- Mary Juarez Insurance
1227 W 1st St c - Santa Ana, CA 92703 - (714) 542-5914 - View Map - Quality Plus Insurance Agency
1450 N Tustin Ave # 221 - Santa Ana, CA 92705 - (714) 245-1200 - View Map - FIRST HOME INSURANCE AGENCY
1522 E 4th St - Santa Ana, CA 92701 - (714) 560-8835 - View Map