How many years has it been since you compared cheaper car insurance rates in Santa Ana, CA? Santa Ana shoppers have a choice when shopping for the best price on Saab 9-3 insurance. You can either spend your time contacting agents getting price quotes or use the internet to compare rates. There is a better way to compare car insurance rates and we'll show you the quickest way to price shop coverage on a Saab and find the lowest possible price from Santa Ana insurance agents and online providers.
Buying the cheapest car insurance in Santa Ana is really not that difficult. If you are already insured, you should be able to save money using the tips covered below. You just need to know the proper methods to find the lowest price online.
The auto insurance companies shown below are ready to provide price quotes in California. If multiple providers are shown, it's highly recommended you visit as many as you can to get the best price comparison.
Saab 9-3 coverage statistics
The rate table shown below highlights a range of coverage prices for Saab 9-3 models. Having a better idea how insurance rates are calculated helps drivers make decisions on which insurance to purchase.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 9-3 2.0T 4-Dr Sedan | $330 | $672 | $354 | $20 | $106 | $1,482 | $124 |
| 9-3 2.0T Station Wagon | $330 | $672 | $354 | $20 | $106 | $1,482 | $124 |
| 9-3 2.0T XWD 4-Dr Sedan | $330 | $672 | $354 | $20 | $106 | $1,482 | $124 |
| 9-3 Aero 4-Dr Sedan | $368 | $774 | $354 | $20 | $106 | $1,622 | $135 |
| 9-3 2.0T 2-Dr Convertible | $368 | $774 | $416 | $24 | $124 | $1,706 | $142 |
| 9-3 2.0T XWD Station Wagon | $368 | $774 | $354 | $20 | $106 | $1,622 | $135 |
| 9-3 Aero Station Wagon | $368 | $774 | $354 | $20 | $106 | $1,622 | $135 |
| 9-3 Aero XWD 4-Dr Sedan | $368 | $774 | $354 | $20 | $106 | $1,622 | $135 |
| 9-3 Aero 2-Dr Convertible | $406 | $874 | $416 | $24 | $124 | $1,844 | $154 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Price information does not factor in the specific area where the vehicle is garaged which can impact insurance rates significantly.
Higher deductibles save money
When comparing car insurance rates, the most common question is the level to set your comp and collision deductibles. The following tables determine the rate differences between high and low deductibles. The first rate table uses a $250 deductible for physical damage and the second rate table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 9-3 2.0T 4-Dr Sedan | $386 | $678 | $376 | $22 | $112 | $1,599 | $133 |
| 9-3 2.0T Station Wagon | $386 | $678 | $376 | $22 | $112 | $1,599 | $133 |
| 9-3 2.0T XWD 4-Dr Sedan | $386 | $678 | $376 | $22 | $112 | $1,599 | $133 |
| 9-3 Aero 4-Dr Sedan | $430 | $780 | $376 | $22 | $112 | $1,745 | $145 |
| 9-3 2.0T 2-Dr Convertible | $430 | $780 | $442 | $26 | $132 | $1,835 | $153 |
| 9-3 2.0T XWD Station Wagon | $430 | $780 | $376 | $22 | $112 | $1,745 | $145 |
| 9-3 Aero Station Wagon | $430 | $780 | $376 | $22 | $112 | $1,745 | $145 |
| 9-3 Aero XWD 4-Dr Sedan | $430 | $780 | $376 | $22 | $112 | $1,745 | $145 |
| 9-3 Aero 2-Dr Convertible | $474 | $882 | $442 | $26 | $132 | $1,981 | $165 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 9-3 2.0T 4-Dr Sedan | $238 | $426 | $376 | $22 | $112 | $1,174 | $98 |
| 9-3 2.0T Station Wagon | $238 | $426 | $376 | $22 | $112 | $1,174 | $98 |
| 9-3 2.0T XWD 4-Dr Sedan | $238 | $426 | $376 | $22 | $112 | $1,174 | $98 |
| 9-3 Aero 4-Dr Sedan | $266 | $490 | $376 | $22 | $112 | $1,266 | $106 |
| 9-3 2.0T 2-Dr Convertible | $266 | $490 | $442 | $26 | $132 | $1,356 | $113 |
| 9-3 2.0T XWD Station Wagon | $266 | $490 | $376 | $22 | $112 | $1,266 | $106 |
| 9-3 Aero Station Wagon | $266 | $490 | $376 | $22 | $112 | $1,266 | $106 |
| 9-3 Aero XWD 4-Dr Sedan | $266 | $490 | $376 | $22 | $112 | $1,266 | $106 |
| 9-3 Aero 2-Dr Convertible | $292 | $556 | $442 | $26 | $132 | $1,448 | $121 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Rates do not factor in the specific area where the vehicle is garaged which can lower or raise price quotes considerably.
Based on these figures, using a $250 deductible costs roughly $38 more each month or $456 annually averaged for all 9-3 models than selecting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to have at least 20 months between claims, you would save money if you opt for a higher deductible.
Calculation for determining deductible levels
| Average monthly premium for $250 deductibles: | $144 |
| Average monthly premium for $1,000 deductibles (subtract): | - $106 |
| Monthly savings from raising deductible: | $38 |
| Difference between deductibles ($1,000 - $250): | $750 |
| Divide difference by monthly savings: | $750 / $38 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 20 months |
An important thing to remember is that raising deductibles means you pay more out-of-pocket when you have to file a claim. That will require enough money in the bank in the event you have to pay the higher deductible.
The diagram below highlights how deductible choice and can influence Saab 9-3 insurance costs for different age groups. The rate quotes are based on a single male driver, comprehensive and collision coverage, and no discounts are taken into consideration.
Saab 9-3 liability rates compared to full coverage
The chart below shows the comparison of Saab 9-3 insurance rates with full coverage compared to only the California minimum liability coverage. The prices are based on no claims, a clean driving record, $500 deductibles, drivers are single, and no policy discounts are applied.
Deciding between full coverage and liability only
There is no set guideline for excluding physical damage coverage, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is more than around 10% of any settlement you would receive from your insurance company, then you may want to consider only buying liability coverage.
For example, let's say your Saab 9-3 claim settlement value is $9,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $8,000 after paying your deductible. If you are paying over $800 annually for your policy with full coverage, then it's probably a good time to buy liability coverage only.
There are some conditions where dropping physical damage coverage is not in your best interest. If you haven't satisfied your loan, you have to keep full coverage to protect the lienholder's interest in the vehicle. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not remove full coverage.
Why you need insurance for your Saab vehicle
Despite the potentially high cost of Saab 9-3 insurance, maintaining insurance serves an important purpose.
- Most states have minimum liability requirements which means you are required to carry specific minimum amounts of liability if you want to drive legally. 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 Saab 9-3, most lenders will make it mandatory that you have physical damage coverage to ensure they get paid if you total the vehicle. If you cancel or allow the policy to lapse, the bank will be required to insure your Saab for a much higher rate and force you to reimburse them the higher premium.
- Auto insurance protects not only your vehicle but also your assets. Insurance will also pay for most medical and hospital costs that are the result of an accident. Liability insurance, one of your policy coverages, will also pay to defend you if someone files suit against you as the result of an accident. If damage is caused by hail or an accident, comprehensive and collision coverage will pay to repair the damage.
The benefits of buying enough insurance are definitely more than the cost, particularly for liability claims. According to a 2015 survey, the average American driver overpays as much as $700 annually so you should quote rates once a year at a minimum to make sure the price is not too high.
Decisions You Make Can Impact Your Insurance Rates
Smart consumers have a good feel for a few of the rating criteria that play a part in calculating your auto insurance rates. When you understand what impacts premium levels, this allows you to make good choices that may reward you with lower rates. Lots of things are part of the equation when quoting car insurance. A few of the factors are predictable like an MVR report, but some are more transparent such as whether you are married and annual miles driven.
The factors shown below are a partial list of the pieces that factor into prices.
- Insurance rates in urban areas - Being located in a rural area may provide you with better prices when talking about auto insurance. Less people means less chance of accidents in addition to lower liability claims. People in densely populated areas tend to have more road rage incidents and much longer commute distances. More time on the road translates into higher accident risk.
- Only buy what you need - There are quite a few optional add-on coverages that can waste your money on your 9-3 policy. Coverage for things like rental car coverage, high-cost glass coverage, and membership fees are probably not needed. You may think they are a good idea when deciding what coverages you need, but your needs may have changed so eliminate the coverages to reduce your premium.
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Cheaper to insure females? - Over the last 30 years, statistics show women tend to be less risk to insure than men. It does not mean men are WORSE drivers than women. They both have fender benders in similar numbers, but men cause more damage and cost insurance companies more money. Not only are claims higher, but men get higher numbers of serious violations like reckless driving and DUI.
The diagram below visualizes the comparison of Saab 9-3 yearly insurance costs for male and female drivers. Data assumes no driving violations, no at-fault accidents, comprehensive and collision coverage, $250 deductibles, drivers are not married, and no discounts are applied.
- Stay claim-free and reduce prices - Auto insurance companies in California provide cheaper rates to drivers who only file infrequent claims. If you are the type of insured that files lots of claims you can definitely plan on higher rates. Auto insurance is intended for claims that you cannot pay yourself.
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More performance means more cost - The make and model of the car or truck you need to insure makes a substantial difference in your premium level. The cheapest rates will generally be found on the lowest performance passenger cars, but the final cost of insurance is determined by many other factors.
The data below assumes a single female driver age 40, full coverage with $250 deductibles, and no discounts or violations. The data compares Saab 9-3 car insurance rates compared to other vehicles that have different performance risks.
Don't overlook these Saab 9-3 insurance discounts
Companies offering auto insurance don't always advertise every discount they offer very clearly, so the following list contains a few of the more common and the more hidden car insurance savings.
- Payment Discounts - If you can afford to pay the entire bill instead of paying each month you could save 5% or more.
- Passive Restraint Discount - Factory air bags or automatic seat belts can get savings as much as 30%.
- Buy New and Save - Buying a new car model can save you some money because newer vehicles are generally safer.
- Accident Forgiveness - This one isn't a discount, but certain companies permit an accident before raising your premiums if your claims history is clear for a set time period.
- Telematics Data Discounts - Drivers who elect to allow driving data submission to study vehicle usage by using a telematic data system such as State Farm's In-Drive might see lower rates if they have good driving habits.
- Bundled Policy Discount - If you combine your home and auto policies with the same insurance company you could get a discount of up to 20% off your total 9-3 insurance premium.
- Theft Deterrent System - Cars that have factory anti-theft systems have a lower chance of being stolen and therefore earn up to a 10% discount.
Keep in mind that most credits do not apply to the overall cost of the policy. Some only apply to individual premiums such as liability, collision or medical payments. So despite the fact that it appears you could get a free car insurance policy, it just doesn't work that way.
The example below shows the difference between Saab 9-3 insurance prices with and without some available policy discounts. The price estimates are based on a female driver, no claims, a clean driving record, California state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, multi-policy, multi-car, marriage, and claim-free discounts applied.
Car insurance companies that may offer some of the above discounts include:
Double check with every company which discounts they offer. Depending on the company, some discounts may not apply to policies in Santa Ana.
Can't I compare rates from local Santa Ana insurance agencies?
Certain consumers prefer to buy from a licensed agent and that is not a bad decision Good agents are highly skilled in risk management and will help you if you have claims. The best thing about comparing insurance prices online is the fact that you can find cheap auto insurance quotes but also keep your business local.
To make it easy to find an agent, after completing this simple form, the quote information is emailed to agents in your area who want to provide quotes for your auto insurance coverage. It's much easier because you don't need to find an agent due to the fact that quote results will go to you instantly. If you want to compare rates from a specific company, you just need to visit that company's website and fill out the quote form the provide.
Selecting an provider requires you to look at more than just the premium amount. These are some valid questions you should ask.
- Do they have any clout with companies to ensure a fair claim settlement?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Can you use your own choice of collision repair facility?
- Are they properly licensed to sell insurance in California?
- Is there a Errors and Omissions policy in force?
- What company holds the largest book of business for them?
- Where are claims handled?
- Do they get paid more for recommending certain coverages?
If you prefer to buy auto insurance from local Santa Ana agents, you should know the different types of agencies that differ in how they can insure your vehicles. Agents are either independent (non-exclusive) or exclusive. Either type can insure your vehicles, but it's important to know the differences since it may influence your selection of an agent.
Exclusive Agencies
These agents write business for a single company and some examples include Allstate, State Farm and Farm Bureau. They usually cannot provide other company's prices so it's a take it or leave it situation. Exclusive agents are usually quite knowledgeable on their products and sales techniques and that enables them to sell even at higher rates. Some consumers prefer to buy insurance from these agents mostly because of high brand loyalty and strong financial ratings.
Below is a list of exclusive insurance agents in Santa Ana who may provide you with comparison quotes.
- Peggy Bates - State Farm® Insurance Agent
2723 N Bristol St #1 - Santa Ana, CA 92706 - (714) 543-0422 - View Map - Farmers Insurance - Araceli Padilla
2424 N Grand Ave b - Santa Ana, CA 92705 - (714) 543-4638 - View Map - David Reyes - State Farm Insurance Agent
1077 W 17th St b - Santa Ana, CA 92706 - (714) 285-0155 - View Map
Independent Auto Insurance Agents
These type of agents often have many company appointments so as a result can place your coverage with lots of companies and find the cheapest auto insurance rates. If they quote lower rates, the business is moved internally and you don't have to find a new agent.
If you need lower rates, you need to include rate quotes from a few independent agents to have the most options to choose from. Most can insure with lesser-known insurance companies which may provide better rates.
The following is a list of independent insurance agencies in Santa Ana that are able to give rate quotes.
- Neighborhood Insurance Agency
1333 E First St - Santa Ana, CA 92701 - (714) 285-9990 - View Map - AutoCoast Insurance Agency
912 N Harbor Blvd - Santa Ana, CA 92703 - (714) 956-3100 - View Map - Nano Insurance Services
423 E First St - Santa Ana, CA 92701 - (714) 564-0398 - View Map
Best auto insurance company in Santa Ana
Insuring your vehicle with the best insurer can be challenging considering how many different companies insure vehicles in Santa Ana. The ranking data in the next section could help you choose which car insurance companies to look at when comparing rates.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Cheaper car insurance rates are possible
Insureds who switch companies do it for a variety of reasons including poor customer service, denial of a claim, being labeled a high risk driver or even an unsatisfactory settlement offer. Regardless of your reason for switching companies, choosing a new insurance company can be easy and end up saving you some money.
When buying insurance coverage, don't be tempted to skimp on coverage in order to save money. Too many times, drivers have reduced comprehensive coverage or liability limits only to regret that their decision to reduce coverage ended up costing them more. Your goal is to buy the best coverage you can find at the best possible price.
In this article, we covered quite a bit of information on how to compare Saab 9-3 insurance prices in Santa Ana. The key thing to remember is the more you quote Santa Ana car insurance, the higher the chance of saving money. Consumers could even find that the lowest priced car insurance comes from some of the lesser-known companies.
How to buy cheaper Saab 9-3 insurance in Santa Ana
To save the most money, the best way to save money on auto insurance rates in Santa Ana is to start comparing rates regularly from companies who sell auto insurance in California. Prices can be compared by completing these steps.
- Take a little time to learn about the different coverages in a policy and the changes you can make to keep rates in check. Many rating factors that cause rate increases such as speeding tickets, accidents and your credit history can be improved by making minor changes in your lifestyle.
- Compare price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only provide price estimates from a single company like Progressive or State Farm, while agents who are independent can quote prices from multiple companies.
- Compare the quotes to your current policy premium to see if cheaper 9-3 coverage is available. If you can save some money and decide to switch, make sure there is no lapse in coverage.
- Tell your current company of your intent to cancel your current policy. Submit a signed application and payment to your new agent or company. Immediately keep the new certificate verifying proof of insurance along with the vehicle's registration papers.
A crucial key to this process is to compare identical coverage information on every quote request and to quote with as many companies as you can. Doing this ensures a level playing field and a complete selection of prices.
Additional car insurance information is located at the links below
- Auto Theft Statistics (Insurance Information Institute)
- Who Has Cheap Santa Ana Auto Insurance Quotes for Drivers with Accidents? (FAQ)
- How Much is Santa Ana Auto Insurance for Good Students? (FAQ)
- Who Has Affordable Santa Ana Car Insurance Quotes for a Dodge Ram? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for Handicapped Drivers in Santa Ana? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for Hybrid Vehicles in Santa Ana? (FAQ)
- Get the Right Protection (InsureUonline.org)
- Teen Driver Licensing Information (iihs.org)