Shocking but true, about 70% of customers have bought insurance from the same company for more than four years, and approximately 38% of consumers have never taken the time to shop around. American drivers could save roughly 46.5% a year by just shopping around, but they don't want to take the time to compare rate quotes online.
The recommended way to get budget Hummer H3 insurance in Santa Ana is to compare prices annually from companies who provide car insurance in California.
- Step 1: Try to understand what coverages are included in your policy and the things you can control to lower rates. Many things that cause rate increases such as getting speeding tickets and an imperfect credit rating can be improved by improving your driving habits or financial responsibility. Keep reading for additional ideas to prevent high prices and get bigger discounts that may have been overlooked.
- Step 2: Quote rates from direct, independent, and exclusive agents. Exclusive agents and direct companies can only quote rates from a single company like Progressive or Farmers Insurance, while independent agents can provide price quotes from multiple sources. Click to view companies
- Step 3: Compare the new rate quotes to your current policy premium to see if a cheaper rate is available in Santa Ana. If you find a lower rate quote and make a switch, make sure there is no lapse between the expiration of your current policy and the new one.
- Step 4: Provide notification to your current agent or company to cancel your current coverage and submit a completed policy application and payment to the new company. Immediately keep your new proof of insurance paperwork in your glove compartment.
The critical component of shopping around is to compare the same amount of coverage on each quote and and to get prices from as many carriers as you can. Doing this helps ensure an apples-to-apples comparison and the best price quote selection.
If you have insurance now, you should be able to lower your rates using the techniques covered below. Finding and comparing the best-priced coverage in Santa Ana is actually quite simple. But California car owners must know how the larger insurance companies market insurance on the web because it varies considerably.
Informed Drivers Can Cut Their Insurance Costs
Lots of factors are considered when pricing auto insurance. Most are fairly basic like a motor vehicle report, but other criteria are not quite as obvious like your continuous coverage and annual miles driven.
Shown below are some of the major factors that factor into your rate level.
Gals pay lower costs - Over time, data shows that females tend to be a little less risky than males. It does not mean men are WORSE drivers than women. Men and women cause at-fault accidents at about the same rate, but males have accidents that have higher claims. Men also tend to have more aggressive citations such as reckless driving.
The illustration below shows the comparison of Hummer H3 car insurance costs for male and female drivers. The price estimates are based on a clean driving record, no claims, comp and collision included, $500 deductibles, drivers are single, and no other discounts are factored in.
How your age affects rates - Teen drivers in California are proven to be less responsible when behind the wheel therefore auto insurance rates are much higher. Parents adding a beginning driver to your auto insurance policy can increase premiums substantially. More mature drivers are more responsible, tend to file fewer claims, and are safer drivers.
The data below uses these variables: single driver, full coverage with $500 deductibles, and no discounts or violations.
Lower rates by increasing coverage deductibles - The deductibles you choose define how much you are willing to pay if a covered claim is submitted. Protection for physical damage, also known as collision and other-than-collision, covers damage that occurs to your car. Some instances where coverage would apply would be a windshield broken by a bird, animal collisions, and damage from wind. The more damage repair cost you're willing to pay, the less your company will charge you for insurance.
Prevent your car from being stolen - Buying a car that has a built-in theft deterrent system can earn a premium discount. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping vehicle theft.
How much is Hummer H3 insurance in Santa Ana, CA?
The are a couple different ways to compare rate quotes from many auto insurance companies in California. The easiest way to compare rates consists of shopping online.
When price shopping your coverage, getting more free quotes will enable you to find the best price.
The car insurance companies shown below have been selected to offer free quotes in California. If multiple providers are shown, we recommend you visit as many as you can to get the cheapest price.
Hummer H3 insurance charts and tables
The coverage table shown below highlights estimates of insurance policy prices for Hummer H3 models. Being aware of how policy premiums are calculated can benefit drivers when making decisions when shopping around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| H3 Adventure Package 4WD | $204 | $418 | $500 | $30 | $150 | $1,302 | $109 |
| H3 4WD | $204 | $418 | $500 | $30 | $150 | $1,302 | $109 |
| H3 Luxury Package 4WD | $204 | $418 | $500 | $30 | $150 | $1,302 | $109 |
| H3 Alpha 4WD | $228 | $418 | $500 | $30 | $150 | $1,326 | $111 |
| Get Your Own Custom Quote Go | |||||||
Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Price information does not factor in garaging location in Santa Ana which can decrease or increase rates noticeably.
Policy deductibles
One common question asked by Santa Ana drivers is at what level do you set your deductibles. The data tables below can help show the rate difference between high and low physical damage deductibles. The first set of prices uses a $100 deductible for physical damage and the second set of rates uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| H3 Adventure Package 4WD | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
| H3 4WD | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
| H3 Luxury Package 4WD | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
| H3 Alpha 4WD | $478 | $810 | $442 | $26 | $132 | $1,913 | $159 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| H3 Adventure Package 4WD | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| H3 4WD | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| H3 Luxury Package 4WD | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| H3 Alpha 4WD | $348 | $546 | $442 | $26 | $132 | $1,494 | $125 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Premium costs do not factor in garaging location in Santa Ana which can revise price quotes substantially.
Based on this data, we can arrive at the conclusion that using a $100 deductible will cost you about $33 more each month or $396 every year across all Hummer H3 models than opting for the higher $500 deductible. Due to the fact that you would have to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you go at least 12 months between claims, you would come out ahead going with the higher deductible.
The example below illustrates how choosing a deductible and can change Hummer H3 insurance prices for different insured age categories. The data assumes a married female driver, full physical damage coverage, and no additional discounts are factored in.
Tickets and at-fault accidents raise rates
The example below demonstrates how speeding tickets and at-fault fender-benders drive up Hummer H3 auto insurance costs for each different age group. The information is based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no policy discounts are applied.
Full coverage versus liability-only
The illustration below illustrates the comparison of Hummer H3 yearly insurance costs with full physical damage coverage and with liability coverage only. The data assumes no claims, a clean driving record, $500 deductibles, single status, and no discounts are taken into consideration.
When to stop buying physical damage coverage
There is no set rule for excluding comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is about 10% or more of the replacement cost minus the deductible, then it's probably a good time to buy liability coverage only.
For example, let's assume your Hummer H3 replacement cost is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $7,000 after you pay the deductible. If you are currently paying more than $700 annually for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.
There are some cases where dropping full coverage is not financially feasible. If you still owe money on your vehicle, you have to keep full coverage in order to keep the loan. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not eliminate full coverage.
Why you need vehicle insurance in California
Despite the potentially high cost of Hummer H3 insurance, paying for car insurance is required by state law in California and it also provides benefits you may not be aware of.
- Almost all states have compulsory liability insurance requirements which means state laws require a minimum amount of liability insurance coverage 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 loan on your H3, it's most likely the lender will make it a condition of the loan that you have comprehensive coverage to guarantee loan repayment. If you let the policy lapse, the bank or lender will purchase a policy for your Hummer at a much higher rate and force you to reimburse them for the expensive policy.
- Insurance protects not only your car but also your financial assets. Insurance will also pay for medical transport and hospital expenses incurred in an accident. As part of your policy, liability insurance also pays for attorney fees and expenses if you are sued as the result of an accident. If you have damage to your Hummer as the result of the weather or an accident, comprehensive and collision coverage will pay to have it repaired.
The benefits of insuring your H3 more than cancel out the cost, especially for larger claims. Despite what companies tell you, the average driver overpays as much as $855 a year so we recommend shopping around at least once a year to help ensure money is not being wasted.
Get cheaper Hummer H3 insurance rates in Santa Ana
Car insurance is not an enjoyable expense, but you might be missing out on some discounts to help offset the cost. Larger premium reductions will be automatically applied when you get a quote, but occasionally some discounts must be asked about before they will apply. If you do not check that you are getting every discount you deserve, you could be paying more than you need to.
- New Vehicle Savings - Adding a new car to your policy can get you a discount since new vehicles have better safety ratings.
- College Student - Children who are attending college and do not take a car to college can be insured at a reduced rate.
- Air Bags and Passive Restraints - Factory air bags and/or automatic seat belt systems can get savings up to 30%.
- ABS Braking Discount - Cars that have anti-lock braking systems are safer to drive and qualify for as much as a 10% discount.
- Drive Less and Save - Maintaining low annual mileage can qualify you for substantially lower prices.
- Cautious Drivers - Safe drivers could pay up to 40% less compared to accident prone drivers.
- Paperwork-free - Many larger companies may give you up to $50 for buying your policy on your computer.
- Organization Discounts - Being a member of qualifying employment or professional organizations is a good way to get lower rates on car insurance.
- Active Service Discounts - Being on active deployment in the military may lower your prices slightly.
While discounts sound great, it's important to understand that some credits don't apply to your bottom line cost. Most cut individual premiums such as comp or med pay. Despite the appearance that you would end up receiving a 100% discount, you won't be that lucky.
The information below shows the difference between Hummer H3 insurance costs with and without discounts applied to the rates. The data assumes a male driver, no claims or driving violations, 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 claim-free, marriage, multi-car, safe-driver, homeowner, and multi-policy discounts applied.
To find car insurance companies that offer multiple discounts in California, follow this link.
Local Santa Ana insurance agencies
Some people prefer to talk to an insurance agent and doing that can be a smart decision The biggest benefit of comparing rate quotes online is the fact that you can find cheaper prices and also buy local. Buying from and supporting neighborhood agents is especially important in Santa Ana.
To make it easy to find an agent, after completing this simple form, your insurance coverage information is submitted to local insurance agents who will gladly provide quotes for your business. You won't even need to do any legwork due to the fact that quote results will go to you instantly. You can most likely find cheaper rates without requiring a lot of work. If for some reason you want to get a comparison quote from one company in particular, don't hesitate to search and find their rate quote page and give them your coverage information.
Insurance agent types
When looking for local Santa Ana agents, it's helpful to know the types of insurance agents and how they function. Car insurance agents in Santa Ana are categorized either independent or exclusive depending on the company they work for.
Independent Agents
Agents that choose to be independent do not sell for just one brand so they can insure your vehicles with many different companies and potentially find a lower price. If prices rise, the agent simply finds a different carrier without you having to go to a different agency. When comparison shopping, you definitely need to get several quotes from at least one independent agent to have the best price comparison. Most also write with smaller regional carriers which can save you money.
Featured below is a short list of independent agencies in Santa Ana who may provide pricing information.
- Palmer Insurance and Income Tax
631 N Main St - Santa Ana, CA 92701 - (714) 835-0840 - View Map - Ammar Insurance Agency
726 S Main St - Santa Ana, CA 92701 - (714) 547-2400 - View Map - Nano Insurance Services
423 E First St - Santa Ana, CA 92701 - (714) 564-0398 - View Map
Exclusive Car Insurance Agencies
Agents in the exclusive channel can only write with one company and examples are State Farm, Allstate, or Farmers Insurance. These agents are not able to compare other company's rates so keep that in mind. They are well schooled on what they offer which aids in selling service over price. Consumers frequently use the same agent mainly due to loyalty to the company rather than low price.
Below is a short list of exclusive agencies in Santa Ana willing to provide comparison quotes.
- Eddie Quillares Jr - State Farm Insurance Agent
415 N Broadway - Santa Ana, CA 92701 - (714) 617-7150 - View Map - David Reyes - State Farm Insurance Agent
1077 W 17th St b - Santa Ana, CA 92706 - (714) 285-0155 - View Map - Farmers Insurance - Araceli Padilla
2424 N Grand Ave b - Santa Ana, CA 92705 - (714) 543-4638 - View Map
Deciding on an car insurance agent requires more thought than just a cheap price quote. These are valid questions to ask:
- Which companies do they recommend if they are an independent agency?
- Are they properly licensed to sell insurance in California?
- Will you work with the agent or an assistant?
- Will the agent help in case of a claim?
- Do they write coverage based solely on cost?
- What company holds the largest book of business for them?
Upon receiving good feedback to all your questions and an acceptable price quote, it's a good possibility that you have found an auto insurance agent that meets your needs to service your policy. Just keep in mind you can always terminate your policy when you choose so don't feel you're contractually obligated to any specific agency for the entire policy term.
What is the best auto insurance company in Santa Ana?
Selecting a high-quality insurance provider is hard considering how many choices you have in Santa Ana. The company ratings shown next may help you analyze which providers to look at when shopping around.
Top 10 Santa Ana Car Insurance Companies Ranked by Customer Satisfaction
- Titan Insurance - 95%
- USAA - 94%
- AAA of Southern California - 92%
- AAA Insurance - 91%
- Nationwide - 90%
- State Farm - 90%
- The Hartford - 89%
- GEICO - 89%
- The General - 88%
- 21st Century - 88%
Top 10 Santa Ana Car Insurance Companies Ranked by Customer Service
- AAA of Southern California
- GEICO
- State Farm
- The Hartford
- Mercury Insurance
- The General
- Progressive
- Allstate
- AAA Insurance
- American Family
When in doubt talk to an agent
When buying a policy for your vehicles, there really is not a best way to insure your cars. Your situation is unique.
These are some specific questions can aid in determining if you will benefit from professional help.
- What companies insure drivers after a DUI or DWI?
- How do I insure my teen driver?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
- Does coverage follow the driver or the vehicle?
- Do I need PIP (personal injury protection) coverage in California?
- Am I covered if I hit my neighbor's mailbox?
If it's difficult to answer those questions but you know they apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, fill out this quick form.
Persistence will pay off
Drivers leave their current company for any number of reasons including high rates after DUI convictions, poor customer service, being labeled a high risk driver and even high prices. No matter why you want to switch, switching companies can be pretty painless.
As you restructure your insurance plan, it's not a good idea to buy poor coverage just to save money. There have been many cases where someone dropped collision coverage only to regret that it was a big mistake. Your strategy should be to buy the best coverage you can find at the lowest possible cost, not the least amount of coverage.
We've covered many ideas to get a better price on Hummer H3 insurance in Santa Ana. The most important thing to understand is the more you quote Santa Ana auto insurance, the higher your chance of finding cheaper Santa Ana auto insurance quotes. Consumers could even find that the best price on auto insurance is with a smaller regional carrier.
Additional auto insurance information is available at the links below
- Side Impact Crash Tests (iihs.org)
- Who Has Cheap Santa Ana Car Insurance Quotes for Teenage Females? (FAQ)
- What Car Insurance is Cheapest for Inexperienced Drivers in Santa Ana? (FAQ)
- Who Has Cheap Car Insurance for a Subaru Outback in Santa Ana? (FAQ)
- Who Has Affordable Auto Insurance for a Ford F-150 in Santa Ana? (FAQ)
- What Auto Insurance is Cheapest for Drivers with a Bad Driving Record in Santa Ana? (FAQ)
- Understanding your Policy (NAIC.org)
- Senior Drivers (Insurance Information Institute)
- What are my Rights when Filing a Claim? (Insurance Information Institute)