Cheap Insurance for a Honda HR-V in Santa Ana

It takes a little time, but the best way to save money on Honda HR-V insurance is to regularly compare prices from providers that sell auto insurance in Santa Ana.

1. It will benefit you to learn about policy coverages and the things you can control to prevent rate increases. Many policy risk factors that increase rates like traffic citations, accidents, and a not-so-good credit score can be amended by making minor driving habit or lifestyle changes. Later in this article we will cover tips to help prevent expensive coverage and find missing discounts.
2. Request price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give rate quotes from a single company like GEICO or Farmers Insurance, while independent agencies can quote rates from many different companies.
3. Compare the new rates to your existing rates to see if cheaper HR-V coverage is available. If you find a lower rate, make sure there is no lapse in coverage.
4. Tell your current agent or company of your intention to cancel your current auto insurance policy. Submit any necessary down payment along with the completed application to the newly selected company. Make sure you store the certificate verifying proof of insurance with your registration paperwork.

One tip to remember is to try to compare identical deductibles and limits on every quote and and to get price estimates from as many car insurance companies as possible. Doing this ensures a level playing field and plenty of rates choose from.

Sad but true, 70% of consumers renewed their policy with the same company for at least the last four years, and nearly the majority have never quoted auto insurance rates at all. With the average auto insurance premium being $1,847, U.S. drivers could save an average of 47% each year by just shopping around, but most tend to underestimate the large savings they would see if they just switched companies.

The best way we recommend to compare insurance rates from multiple companies is to know the fact auto insurance companies allow for online access to compare rate quotes. The only thing you need to do is give them some information such as if you require a SR-22, the ages of drivers, if you are currently licensed, and types of safety features. The data is then submitted to many highly-rated insurers and you should receive rate quotes immediately.

To compare affordable Honda HR-V insurance rates now, click here and find out if you can get cheaper insurance in Santa Ana.

The car insurance companies shown below are our best choices to provide comparison quotes in Santa Ana, CA. If the list has multiple companies, we recommend you compare several of them to get the best price comparison.

Why you need HR-V insurance in California

Despite the high insurance cost for a Honda HR-V in Santa Ana, buying insurance may not be optional for several reasons.

• The majority of states have minimum mandated liability insurance limits which means the state requires a minimum amount of liability insurance in order to drive the car 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 lien on your Honda HR-V, most lenders will make it a condition of the loan that you have insurance to guarantee payment of the loan. If you cancel or allow the policy to lapse, the bank will be required to insure your Honda at a significantly higher premium and require you to fork over the higher premium.
• Insurance protects not only your car but also your assets. Insurance will pay for medical expenses that are the result of an accident. Liability insurance also covers legal expenses if you are named as a defendant in an auto accident. If your car is damaged in a storm or accident, comprehensive and/or collision insurance will cover the repair costs.

The benefits of carrying adequate insurance greatly outweigh the cost, especially if you ever need it. But the average driver in California overpays as much as $820 a year so compare quotes from several companies at every policy renewal to ensure rates are inline.

Santa Ana auto insurance discounts

Car insurance can cost a lot, but there's a good chance there are discounts that many consumers don't even know exist. Larger premium reductions will be automatically applied when you get a quote, but less common discounts must be requested specifically prior to receiving the credit.

• Discount for Good Grades - Excelling in school may save as much as 25% on a Santa Ana car insurance quote. The discount lasts until age 25.
• Student Discount for Driver Training - Cut your cost by having your teen driver participate in a local driver's education class if it's offered in school.
• Buy New and Save - Insuring a new HR-V can save you some money since new model year vehicles are generally safer.
• Waiver for an Accident - This one isn't a discount, but a handful of insurance companies will allow you to have one accident without getting socked with a rate hike if you have no claims for a particular time prior to the accident.
• Multi-line Discount - Not all insurance companies offer life insurance, but some may give you a discount if you purchase a life policy as well.
• Claim-Free Discount - Drivers with accident-free driving histories pay much less as opposed to insureds who have frequent claims or accidents.
• Military Rewards - Being deployed with a military unit may qualify for rate reductions.
• Theft Deterrent - Vehicles that have factory anti-theft systems have a lower chance of being stolen and that can save you a little bit as well.

Keep in mind that some credits don't apply to the whole policy. Most only reduce specific coverage prices like liability and collision coverage. So when the math indicates all the discounts add up to a free policy, that's just not realistic. But any discount should help lower your policy premiums.

To locate companies with the best discounts in Santa Ana, click here to view.

Insurance agents near you

A lot of people just want to talk to an insurance agent and that is just fine! A good thing about comparing insurance prices online is you can get better rates and also buy local.

For easy comparison, once you complete this simple form, your information is sent to local insurance agents who will gladly provide quotes to get your business. You won't even need to contact an agency because prices are sent directly to your email. It's the lowest rates without requiring a lot of work. If you have a need to get a rate quote from a particular provider, you would need to go to their quote page and complete a quote there.

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

• Do they have 24-hour customer assistance?
• Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
• Is the agent properly licensed in California?
• Are there any hidden costs in their price quote and does it include driving and credit history?
• Are claim adjusters local or do you have to take your car somewhere else?
• Is the quote a firm price?
• Do they regularly work with personal auto policies in Santa Ana?

Choose the right car insurance agent

When researching a local insurance agency, there are two different types of agencies and how they can write your policy. Santa Ana agents can be described as either independent or exclusive depending on the company they work for.

Exclusive Agents

Exclusive agents work for only one company like Allstate, Farmers Insurance, State Farm, and AAA. They generally cannot compare rates from other companies so if the price isn't competitive there isn't much they can do. Exclusive agencies are well trained on the products they sell which helps them compete with independent agents.

The following is a list of exclusive insurance agencies in Santa Ana who can help you get comparison quotes.

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Independent Agencies or Brokers

Independent agencies are not employed by any specific company so they have the ability to put coverage amongst many companies and possibly get better coverage at lower prices. If your premiums go up, an independent agent can move your coverage and you can keep the same agent. When shopping rates, it's recommended you get quotes from several independent insurance agents to have the most options to choose from.

Below is a short list of independent insurance agencies in Santa Ana willing to provide rate quotes.

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Upon getting good answers to your questions as well as a affordable price, you have narrowed it down to an insurance agency that can be trusted to service your policy.

Insurance savings summarized

As you restructure your insurance plan, do not reduce needed coverages to save money. There have been many situations where an insured dropped full coverage only to discover later that the small savings ended up costing them much more. Your objective should be to purchase a proper amount of coverage at a price you can afford.

Lower-priced insurance in Santa Ana is definitely available on the web as well as from independent agents in Santa Ana, so you should compare both to have the best rate selection. Some companies do not offer online rate quotes and most of the time these small insurance companies provide coverage only through local independent agents.

More resources

• Crash Avoidance Technologies FAQ (iihs.org)
• What Car Insurance is Cheapest for Inexperienced Drivers in Santa Ana? (FAQ)
• Who Has Affordable Santa Ana Car Insurance Rates for a Nissan Altima? (FAQ)
• What Auto Insurance is Cheapest for Drivers with a Bad Driving Record in Santa Ana? (FAQ)
• What Auto Insurance is Cheapest for High School Students in Santa Ana? (FAQ)
• How to Avoid Staged Accidents (State Farm)
• Keeping Children Safe in Crashes Video (iihs.org)
• Driving in Bad Weather (Insurance Information Institute)