The best way we recommend to get discount auto insurance rates in Santa Ana is to compare prices regularly from companies who provide auto insurance in California. Rate comparisons can be done by following these steps.
- Step 1: Take a little time to learn about the different coverages in a policy and the steps you can take to prevent expensive coverage. Many rating criteria that result in higher rates like accidents, traffic tickets, and a negative credit score can be eliminated by being financially responsible and driving safely.
- Step 2: Quote rates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only quote rates from one company like GEICO and State Farm, while agents who are independent can give you price quotes for many different companies.
- Step 3: Compare the price quotes to the premium of your current policy and see if there is a cheaper rate in Santa Ana. If you find a lower rate and decide to switch, make sure there is no lapse between the expiration of your current policy and the new one.
- Step 4: Tell your current company to cancel your existing policy and submit a down payment and signed policy application for your new policy. Once the paperwork is finalized, safely store the certificate verifying proof of insurance above your visor, in the console, or in the glove compartment.
A good piece of advice is to make sure you enter the same deductibles and limits on every price quote and and to get price estimates from every company you can. Doing this helps ensure the most accurate price comparison and the best price quote selection.
Sad but true, 70% of consumers kept their coverage with the same auto insurance company for at least four years, and nearly half have never even compared quotes to find lower-cost rates. Drivers in California can save nearly 35% each year just by comparing rates, but they assume it's a waste of time to shop around.
If you have a current car insurance policy or just want to reduce your rates, follow these tips to lower your rates without reducing coverage. Locating the most cost-effective car insurance policy in Santa Ana is much easier if you know where to start. Drivers just need to use the most effective way to shop their coverage around online.
Learn How to Lower Your Insurance Rates
Many different elements are used when premium rates are determined. Some are pretty understandable like an MVR report, but some are less apparent such as your marital status or how financially stable you are.
Listed below are a few of the "ingredients" car insurance companies consider when setting your rate level.
Single drivers may pay more - Having a significant other may save some money on car insurance. Having a spouse may mean you are more mature than a single person it has been statistically shown that married drivers get in fewer accidents.
Car features can affect prices - Choosing to buy a car that has an advanced theft prevention system can earn a premium discount. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help prevent auto theft.
Liability safeguards assets - Liability insurance provides coverage if ever you are ruled to be at fault for an accident. It will provide legal defense coverage which can be incredibly expensive. This coverage is relatively inexpensive compared to insuring for physical damage coverage, so drivers should carry high limits.
Raising comp and collision deductibles saves money - The deductibles define the amount you are required to spend if the claim is covered. Physical damage protection, also called comprehensive and collision insurance, protects your car from damage. Some examples of covered claims are collision with another vehicle, damage from fire, or theft of your vehicle. The higher the amount you have to pay, the less your car insurance will be.
Your career may increase rates - Did you know your job can affect your rates? Occupations like military personnel, air traffic controllers, and dentists tend to pay higher average rates due to intense work requirements and extremely grueling work hours. Other occupations such as professors, students and homemakers pay the least.
Low mileage costs less - The more you drive your GMC in a year's time the higher your rate. A lot of companies calculate rates based on their usage. Cars that have low annual miles qualify for better rates than those used for commuting. It's always a good idea to double check that your car insurance policy reflects the right rating data. Having the wrong rating on your Sierra 2500HD is just wasting money.
More traffic equals higher costs - Being located in less populated areas is a positive aspect when it comes to car insurance. Fewer drivers and short commutes means reduced accidents and lower theft and vandalism rates. City drivers regularly have more traffic problems and more time behind the wheel. Higher commute times means a statistically higher chance of an accident.
Are you male or female? - Statistics show females are less aggressive when driving. That doesn't necessarily mean that females are better drivers. Men and women are in auto accidents at a similar rate, but males cause more damage. In addition to higher claims, males also get cited for more serious violations such as reckless driving. Young males generally have the highest accident percentage and therefore have the most expensive car insurance rates.
The diagram below shows the difference between GMC Sierra 2500HD insurance prices for male and female drivers. The costs are based on no tickets, no at-fault accidents, full coverage, $100 deductibles, drivers are single, and no discounts are applied.
Insurance rate breakdown
The information displayed next showcases different insurance coverage prices for GMC Sierra 2500HD models. Having knowledge of how car insurance premiums are formulated can help you make informed decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sierra 2500HD SLE Regular Cab 4WD | $430 | $810 | $442 | $26 | $132 | $1,840 | $153 |
| Sierra 2500HD SLE Regular Cab 2WD | $430 | $810 | $500 | $30 | $150 | $1,920 | $160 |
| Sierra 2500HD SLE Crew Cab 4WD | $430 | $810 | $442 | $26 | $132 | $1,840 | $153 |
| Sierra 2500HD SLE Extended Cab 4WD | $430 | $810 | $442 | $26 | $132 | $1,840 | $153 |
| Sierra 2500HD SLE Crew Cab 2WD | $430 | $932 | $500 | $30 | $150 | $2,042 | $170 |
| Sierra 2500HD SLE Extended Cab 2WD | $430 | $932 | $500 | $30 | $150 | $2,042 | $170 |
| Sierra 2500HD SLT Crew Cab 4WD | $430 | $932 | $442 | $26 | $132 | $1,962 | $164 |
| Sierra 2500HD SLT Extended Cab 4WD | $430 | $932 | $442 | $26 | $132 | $1,962 | $164 |
| Sierra 2500HD SLT Extended Cab 2WD | $430 | $932 | $500 | $30 | $150 | $2,042 | $170 |
| Sierra 2500HD SLT Crew Cab 2WD | $478 | $932 | $500 | $30 | $150 | $2,090 | $174 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Estimates do not factor in specific Santa Ana garaging location which can affect coverage rates greatly.
An analysis of deductible level
One of the more difficult decisions when buying insurance is how low should you set your deductibles. The following tables highlight the rate difference when you choose different physical damage coverage deductibles. The first rate table uses a $250 comprehensive and collision deductible and the second rate chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sierra 2500HD SLE Regular Cab 4WD | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| Sierra 2500HD SLE Regular Cab 2WD | $386 | $678 | $500 | $30 | $150 | $1,769 | $147 |
| Sierra 2500HD SLE Crew Cab 4WD | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| Sierra 2500HD SLE Extended Cab 4WD | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| Sierra 2500HD SLE Crew Cab 2WD | $386 | $780 | $500 | $30 | $150 | $1,871 | $156 |
| Sierra 2500HD SLE Extended Cab 2WD | $386 | $780 | $500 | $30 | $150 | $1,871 | $156 |
| Sierra 2500HD SLT Crew Cab 4WD | $386 | $780 | $442 | $26 | $132 | $1,791 | $149 |
| Sierra 2500HD SLT Extended Cab 4WD | $386 | $780 | $442 | $26 | $132 | $1,791 | $149 |
| Sierra 2500HD SLT Extended Cab 2WD | $386 | $780 | $500 | $30 | $150 | $1,871 | $156 |
| Sierra 2500HD SLT Crew Cab 2WD | $430 | $780 | $500 | $30 | $150 | $1,915 | $160 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sierra 2500HD SLE Regular Cab 4WD | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Sierra 2500HD SLE Regular Cab 2WD | $238 | $426 | $500 | $30 | $150 | $1,344 | $112 |
| Sierra 2500HD SLE Crew Cab 4WD | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Sierra 2500HD SLE Extended Cab 4WD | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Sierra 2500HD SLE Crew Cab 2WD | $238 | $490 | $500 | $30 | $150 | $1,408 | $117 |
| Sierra 2500HD SLE Extended Cab 2WD | $238 | $490 | $500 | $30 | $150 | $1,408 | $117 |
| Sierra 2500HD SLT Crew Cab 4WD | $238 | $490 | $442 | $26 | $132 | $1,328 | $111 |
| Sierra 2500HD SLT Extended Cab 4WD | $238 | $490 | $442 | $26 | $132 | $1,328 | $111 |
| Sierra 2500HD SLT Extended Cab 2WD | $238 | $490 | $500 | $30 | $150 | $1,408 | $117 |
| Sierra 2500HD SLT Crew Cab 2WD | $266 | $490 | $500 | $30 | $150 | $1,436 | $120 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Rate quotes do not factor in garaging location in Santa Ana which can revise insurance rates considerably.
Based on these figures, using a $250 deductible will cost you roughly $38 more each month or $456 each year than buying the higher $1,000 deductible. Since you would have to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go at a minimum 20 months between claim filings, you would save money if you elect the higher deductible. The illustration below shows how this decision is made.
| Average monthly premium for $250 deductibles: | $150 |
| Average monthly premium for $1,000 deductibles (subtract): | - $112 |
| 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 |
One big caveat is that raising deductibles to get cheaper rates means you will have to pay more of your own money if you have a claim. You will want to have a higher level of savings in the event you have to pay the higher deductible.
The diagram below demonstrates how deductibles and can increase or decrease GMC Sierra 2500HD insurance prices for different age groups. The information is based on a single male driver, comp and collision included, and no other discounts are factored in.
Comparison of full coverage and liability-only policies
The information below illustrates the comparison of GMC Sierra 2500HD insurance premiums with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The rates are based on no accidents, no driving violations, $500 deductibles, marital status is single, and no discounts are taken into consideration.
Guidelines for dropping full coverage
There is no specific rule for eliminating physical damage coverage, but there is a guideline you can use. If the yearly cost of comp and collision coverage is about 10% or more of the vehicle's replacement cost less your deductible, then it could be time to drop full coverage.
For example, let's pretend your GMC Sierra 2500HD settlement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company would pay you is $2,000 after the deductible is paid. If it's costing in excess of $200 annually for full coverage, the it may be a good time to stop paying for full coverage.
There are some conditions where only buying liability is not in your best interest. If you still have a lienholder on your title, 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 the event your current vehicle is totaled, you should keep full coverage.
Discounts mean cheaper rates for GMC Sierra 2500HD insurance in Santa Ana
Companies do not advertise all their discounts in a way that's easy to find, so the list below details some of the more common in addition to some of the lesser obvious credits available to bring down your rates. If you do not double check each discount available, you could be paying more than you need to.
- Active Military Service - Being deployed with a military unit could be rewarded with lower rates.
- Pay Now and Pay Less - By paying your entire bill at once instead of paying each month you may have a lower total premium amount.
- Homeowners Savings - Simply owning a home can earn you a little savings because owning a home is proof that your finances are in order.
- Passive Restraints and Air Bags - Cars that have air bags may get savings as much as 30%.
- Multi-Vehicle Discounts - Buying coverage for all your vehicles on one policy can reduce the rates for all insured vehicles.
- Discount for Life Insurance - Not every insurance company offers life insurance, but if they do you may earn lower premium rates if you buy some life insurance too.
- Safety Restraint Discount - Drivers who require all occupants to wear their seat belts may be able to save a few bucks off PIP or medical payments premium.
- Switch and Save Discount - A few larger companies allow discounts for switching to them before your current expiration date. You may see this discount when you get Santa Ana auto insurance quotes online.
- Low Mileage Discounts - Low mileage vehicles may enable drivers to earn better premium rates on cars that stay parked.
- Paperless Signup - Certain companies will give a small break get Santa Ana auto insurance digitally online.
You should keep in mind that some credits don't apply to the entire cost. A few only apply to individual premiums such as comp or med pay. Even though it may seem like all the discounts add up to a free policy, you won't be that lucky. Any qualifying discounts will positively reduce the premium cost.
The chart below illustrates the difference between GMC Sierra 2500HD insurance costs with and without discounts applied to the premium. The price estimates are based on a male driver, no violations or claims, California state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, marriage, safe-driver, multi-policy, and multi-car discounts applied.
A few companies that may include many of the previously listed discounts are:
If you need inexpensive Santa Ana auto insurance quotes, ask every prospective company how many discounts you can get. Some of the discounts discussed earlier might not be offered on policies in your state. To choose insurers that offer many of these discounts in Santa Ana, click here to view.
Find affordable rates by being thorough
In this article, we covered many ways to compare GMC Sierra 2500HD insurance prices in Santa Ana. It's most important to understand that the more times you quote, the better chance you'll have of finding low cost Santa Ana auto insurance quotes. You may even be surprised to find that the lowest priced auto insurance comes from a company that doesn't do a lot of advertising.
Insureds leave their current company for any number of reasons including extreme rates for teen drivers, high rates after DUI convictions, denial of a claim and high prices. Whatever your reason, choosing a new company can be easier than you think.
Affordable GMC Sierra 2500HD insurance in Santa Ana can be bought from both online companies and also from your neighborhood Santa Ana agents, and you need to comparison shop both so you have a total pricing picture. Some auto insurance companies do not provide online quoting and many times these smaller companies only sell coverage through independent insurance agencies.
Even more information can be found by following these links:
- Electronic Stability Control FAQ (iihs.org)
- Who Has the Cheapest Auto Insurance for Felons in Santa Ana? (FAQ)
- Who Has Cheap Santa Ana Auto Insurance Quotes for Drivers with Accidents? (FAQ)
- Who Has the Cheapest Car Insurance Rates for Drivers with a DUI in Santa Ana? (FAQ)
- Who Has Cheap Auto Insurance for a Toyota RAV4 in Santa Ana? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for Handicapped Drivers in Santa Ana? (FAQ)
- Who Has Affordable Santa Ana Auto Insurance for High Risk Drivers? (FAQ)
- Who Has Cheap Santa Ana Car Insurance for Uber Drivers? (FAQ)
- Understanding Rental Car Insurance (Insurance Information Institute)
- What are my Rights when Filing a Claim? (Insurance Information Institute)
- Insuring a Leased Car (Insurance Information Institute)
- Comprehensive Coverage (Liberty Mutual)