Save Money on Saturn Outlook Insurance in Santa Ana

It's easy to assume that car insurance companies want to keep you from comparing rates. Drivers who compare price quotes are likely to switch companies because there is a good probability of finding discount prices. Remarkably, a study showed that consumers who shopped around every year saved $865 annually as compared to drivers who didn't regularly shop around.

If finding the best price on Saturn Outlook insurance is your objective, then having a grasp of how to get free comparison quotes and analyze insurance rates can save time, money, and frustration.

The best way to get the cheapest Saturn Outlook insurance in Santa Ana is to start doing an annual price comparison from different companies in California. You can compare prices by following these steps.

Step 1: Try to learn about how auto insurance works and the measures you can control to drop your rates. Many rating factors that result in higher rates such as accidents, traffic violations, and a substandard credit history can be rectified by paying attention to minor details. Later in this article we will cover more ideas to keep prices down and get bigger discounts.

Step 2: Request price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give prices from a single company like Progressive or Farmers Insurance, while independent agents can provide price quotes from multiple companies.

Step 3: Compare the new rates to your existing rates to see if cheaper Outlook coverage is available. If you find better rates and buy the policy, make sure there is no lapse in coverage.

Step 4: Give proper notification to your current agent or company to cancel your current auto insurance policy and submit a down payment along with a signed application to the new company. As soon as you have the new policy, keep your new certificate of insurance with your vehicle's registration.

One thing to point out is to compare similar limits and deductibles on each quote and and to get quotes from every company you can. This ensures an accurate price comparison and maximum price selection.

If you're already insured, you should be able to find better prices using the tips covered below. Our goal is to help educate you on how insurance works and also save some money in the process Although California vehicle owners do need to know how the larger insurance companies determine what you pay and use it to find better rates.

How to find low cost Saturn Outlook insurance in Santa Ana, California

All the larger auto insurance companies give price estimates direct online. Doing online quotes for Saturn Outlook insurance in Santa Ana is possible for anyone because you just enter your coverage preferences as detailed in the form. Upon sending the form, their quoting system automatically orders credit information and your driving record and provides a quote based on these factors.

This makes it a lot easier to compare rates and it is important to perform this step in order to get the cheapest auto insurance rates.

In order to compare pricing, compare quotes from the companies shown below. To compare your current rates, we recommend that you enter coverages and limits exactly as they are listed on your policy. This helps ensure you will have a rate comparison for similar insurance coverage.

The companies shown below have been selected to offer comparison quotes in California. If multiple companies are shown, it's highly recommended you visit several of them in order to get a fair rate comparison.

Get cheaper Saturn Outlook insurance in Santa Ana with discounts

Car insurance is not cheap, but there could be significant discounts that you may not even know about. Some trigger automatically when you complete an application, but some must be requested specifically before being credited.

• Pay Now and Pay Less - If you pay your entire premium ahead of time instead of paying each month you may reduce your total bill.
• Distant Student - Children who are enrolled in higher education away from home without a vehicle on campus may be able to be covered for less.
• Discount for Home Ownership - Owning your own home or condo can earn you a little savings due to the fact that maintaining a home demonstrates responsibility.
• Anti-lock Brake Discount - Cars and trucks that have steering control and anti-lock brakes have fewer accidents and the ABS can save up to 10%.
• Anti-theft System - Cars, trucks, and SUVs equipped with anti-theft or alarm systems are stolen with less frequency and qualify for as much as a 10% discount.
• Low Mileage - Low annual miles could be rewarded with discounted prices on garaged vehicles.
• Driver's Education for Students - Cut your cost by having your teen driver participate in a local driver's education class as it can save substantially.

You can save money using discounts, but some credits don't apply to the entire cost. The majority will only reduce specific coverage prices like liability, collision or medical payments. Even though the math looks like you can get free auto insurance, companies don't profit that way.

The chart below shows the comparison of Saturn Outlook insurance prices with and without discounts applied to the premium. The prices are based on a male driver, no violations or claims, California state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, claim-free, multi-car, multi-policy, and safe-driver discounts applied.

To view companies with significant discounts in California, click here.

Facts and figures for Saturn Outlook insurance

The premium information shown next highlights detailed analysis of coverage prices for Saturn Outlook models. Understanding how auto insurance policy rates are determined can help customers make smart policy decisions.

Prices based on single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Information does not factor in specific garaging location which can alter coverage prices substantially.

Higher deductibles save money

When buying insurance, a common question is how high should the physical damage coverage deductibles be. The tables below may aid in understanding the difference in cost when you select higher and lower physical damage coverage deductibles. The first set of rates uses a $250 deductible and the second data table uses a $500 deductible.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Premium amounts do not factor in vehicle garaging location which can change prices considerably.

Based on this data, using a $250 deductible could cost the average driver approximately $18 more each month or $216 annually than opting for the higher $500 deductible. Due to the fact that you would have to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you average at a minimum 14 months between claims, you would probably come out ahead by going with a higher deductible. The numbers below show a better example of how we made this calculation.

One thing to be aware of is that raising deductibles results in a higher out-of-pocket expense when you have a physical damage claim. You need to make sure you have some extra savings in order to pay the higher deductible in order to repair your vehicle.

The chart below demonstrates how choosing different deductibles and can impact Saturn Outlook insurance costs for different age groups of insureds. The costs are based on a single female driver, full physical damage coverage, and no other discounts are factored in.

Cost comparison with and without full coverage

The example below illustrates the difference between Saturn Outlook car insurance costs when comparing full coverage to state minimum liability only. The premiums are based on no claims or violations, $500 deductibles, drivers are single, and no discounts are factored in.

Should you buy full coverage or liability only?

There is no clear-cut formula to eliminate comp and collision coverage, but there is a general school of thought. If the yearly cost for physical damage coverage is more than around 10% of replacement cost minus your deductible, then it might be time to buy liability only.

For example, let's assume your Saturn Outlook book value is $5,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $4,000 after the deductible is paid. If you are paying over $400 annually to have full coverage, then you may need to consider dropping full coverage.

There are a few situations where eliminating full coverage is not recommended. If you have an outstanding loan on your vehicle, you have to keep full coverage as part of the loan requirements. Also, if you don't have enough money to buy a different vehicle in case of an accident, you should not buy liability only.

Compare rate quotes but buy from a local neighborhood Santa Ana car insurance agent

Many drivers would prefer to go talk to an agent and that is just fine! The biggest benefit of comparing rates online is the fact that drivers can get cheaper premium rates and still buy from a local agent.

To find an agent, once you fill out this short form, your information gets sent to agents in your area who will gladly provide quotes for your coverage. It simplifies rate comparisons since you won't have to find an agent as quotes are delivered directly to your email. You can find better rates without the usual hassles of price shopping. If you have a need to compare rates from one company in particular, you just need to jump over to their website and complete a quote there.

Finding a good company is decision based upon more than just the price. Here are some questions to ask:

• Is there a 24/7 contact number?
• Is auto insurance their primary focus in Santa Ana?
• By raising physical damage deductibles, how much would you save?
• Will the agent help in case of a claim?
• Do they have any clout with companies to ensure a fair claim settlement?
• Is the agent and/or agency licensed to do business in California?
• How is replacement cost determined on your vehicle?

If you are wanting to purchase insurance from a local insurance agency, it's important to understand the different types of agents and how they can quote your rates. Agencies in Santa Ana are considered either independent or exclusive.

Exclusive Insurance Agents

Agents that choose to be exclusive have only one company to place business with and examples are State Farm or Allstate. Exclusive agencies are unable to shop your coverage around so keep that in mind. Exclusive agencies receive a lot of sales training on what they offer which aids in selling service over price. Many people use the same agent mainly due to the brand instead of buying on price only.

Below is a list of exclusive insurance agents in Santa Ana that are able to give price quote information.

• Aidee Lopez - State Farm Insurance Agent
  3750 W McFadden Ave e - Santa Ana, CA 92704 - (714) 775-3090 - View Map
• Eddie Quillares Jr - State Farm Insurance Agent
  415 N Broadway - Santa Ana, CA 92701 - (714) 617-7150 - View Map
• Farmers Insurance: Ray Cheng Insurance Agency Inc.
  540 N Golden Cir Dr #315 - Santa Ana, CA 92705 - (888) 395-4847 - View Map

View more agents

Independent Agents (or Brokers)

Agents that choose to be independent are appointed with more than one company and that allows them to write policies with any number of different companies depending on which coverage is best. To transfer your coverage to a different company, the agent simply finds a different carrier and you stay with the same agent. When searching for an agent, we recommend you check rates from several independent agencies in order to have the best price comparison. A lot of them also have access to different regional companies which can save you money.

Below is a short list of independent agents in Santa Ana who can help you get comparison quotes.

• SureCo Insurance Agency
  201 Sandpointe Ave Suite 600 - Santa Ana, CA 92707 - (866) 845-9815 - View Map
• Auto Express Insurance Agency
  202 S Grand Ave - Santa Ana, CA 92701 - (800) 400-3038 - View Map
• Premier One Insurance Services
  2755 N Grand Ave - Santa Ana, CA 92705 - (714) 288-6060 - View Map

View more agents

After receiving satisfactory answers to all your questions and cheap Outlook insurance quotes, you have narrowed it down to an insurance agent that can provide insurance coverage.

Tailor your insurance coverage to you

When it comes to the right insurance coverage for your personal vehicles, there is no single plan that fits everyone. Everyone's situation is unique.

Here are some questions about coverages that might point out whether your personal situation might need professional guidance.

• Will I be non-renewed for getting a DUI or other conviction?
• How do I file an SR-22 for a DUI in California?
• When should I not buy collision coverage?
• I don't drive much so do I pay less?
• Is there coverage for my trailer?
• Am I covered when pulling a rental trailer?
• When should I buy a commercial auto policy?

If you don't know the answers to these questions, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form.

How Car Insurance Companies Determine Saturn Outlook Insurance Prices

Lots of factors are part of the equation when you get your auto insurance bill. Some factors are common sense like your driving record, but other factors are less apparent like your continuous coverage or how financially stable you are.

The itemized list below are some of the items utilized by car insurance companies to help set prices.

• Drive fewer miles and save - The more you drive your Saturn in a year's time the more you will pay for auto insurance. Many insurance companies apply a rate based upon how you use the vehicle. Vehicles used primarily for pleasure use get more affordable rates than those used for commuting. Make sure your policy states the right rating data. Having the wrong rating on your Outlook can cost quite a bit.

• Is your vehicle built for speed? - The make and model of the car or truck you need insurance for makes a big difference in your premium level. Low performance passenger vehicles usually have the lowest premiums, but the cost you end up paying is determined by many additional factors.

  The data below uses these assumptions: married female driver age 30, full coverage with $250 deductibles, and no discounts or violations. The chart compares Saturn Outlook rates compared to other models that have a range of performance rating factors.
• Never let your auto insurance policy expire - Driving with no insurance is illegal and auto insurance companies will penalize you for letting your coverage have a gap. Not only will rates go up, being ticketed for driving with no insurance may earn you a steep fine or even jail time.
• Single vs. married - Being married may earn you lower rates compared to being single. Having a spouse generally demonstrates drivers are more mature and it's statistically proven that drivers who are married file infrequent claims.
• Deductibles are a factor - Physical damage deductibles define how much the insured will be required to pay before your auto insurance pays a claim. Protection for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Examples of some claims that would be covered are collision with another vehicle, collision with a deer, and having a roll-over accident. The more of the claim you're willing to pay, the lower your rates will be.
• Safer vehicles cost less to insure - Safe vehicles get lower rates. Safe vehicles result in less severe injuries and lower rates of occupant injuries means less claims paid which can mean better rates for you. If your Saturn has at least an "acceptable" rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
• Save by staying claim free - Insurance companies in California provide the best rates to insureds who only file infrequent claims. If you file a lot of claims you can look forward to either higher rates or even cancellation. Your car insurance is designed for claims that pose a financial burden.

• Obey driving laws and save - Whether or not you get tickets can have a huge impact on auto insurance premiums. Careful drivers have lower premiums than people who have multiple driving citations. Even a single ticket can boost insurance rates substantially. Drivers with serious tickets like reckless driving, hit and run or driving under the influence may be required to submit a SR-22 form with their state's licensing department in order to prevent a license revocation.

  The illustration below highlights how traffic violations and at-fault fender-benders can impact Saturn Outlook insurance prices for different ages of insureds. The data is based on a single female driver, full coverage, $500 deductibles, and no additional discounts are factored in.

Three reasons insurance is important

Despite the potentially high cost of Saturn Outlook insurance, insuring your vehicle is most likely required but also gives you several important benefits.

• Most states have minimum liability requirements which means the state requires specific minimum amounts of liability insurance coverage in order to license the 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 bought your Saturn with a loan, most banks will stipulate that you carry insurance to guarantee loan repayment. If you do not pay your insurance premiums, the bank or lender will purchase a policy for your Saturn at a more expensive rate and require you to pay for it.
• Insurance safeguards both your assets and your Saturn. It will also provide coverage for medical transport and hospital expenses that are the result of an accident. As part of your policy, liability insurance will also pay attorney fees if anyone sues you for causing an accident. If your car is damaged in a storm or accident, comprehensive and/or collision insurance will cover the damage repairs after a deductible is paid.

The benefits of having insurance outweigh the cost, particularly when you have a large claim. Despite what companies tell you, the average driver overpays more than $865 each year so you should quote your policy with other companies every year to ensure rates are competitive.

Best auto insurance in Santa Ana

Ending up with the highest-rated auto insurance provider can be challenging considering how many companies sell insurance in Santa Ana. The ranking information listed below may help you select which providers you want to consider shopping prices with.

Top 10 Santa Ana Car Insurance Companies Ranked by Value

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

Persistence pays off

Cost effective Saturn Outlook insurance can be purchased on the web and from local insurance agents, and you should compare rates from both to have the best rate selection. There are still a few companies who may not provide internet price quotes and most of the time these regional carriers work with local independent agents.

Consumers leave their current company for any number of reasons including unfair underwriting practices, delays in paying claims, questionable increases in premium and even policy non-renewal. It doesn't matter why you want to switch finding a great new company can be easier than you think.

You just learned some good ideas how to lower your Saturn Outlook insurance prices in Santa Ana. The most important thing to understand is the more price quotes you have, the better likelihood of getting inexpensive Santa Ana auto insurance quotes. You may even be surprised to find that the best price on car insurance is with the least-expected company.

More detailed car insurance information can be found at these sites:

• Bodily Injury Coverage (Liberty Mutual)
• How Much is Auto Insurance for a Hyundai Elantra in Santa Ana? (FAQ)
• Who Has Affordable Santa Ana Auto Insurance Quotes for Drivers with Bad Credit? (FAQ)
• How Much are Santa Ana Car Insurance Quotes for a Ford Escape? (FAQ)
• Who Has Affordable Auto Insurance for 19 Year Olds in Santa Ana? (FAQ)
• What are my Rights when Filing a Claim? (Insurance Information Institute)
• Neck Injury FAQ (iihs.org)