Remarkably, a study showed that the vast majority of consumers have stayed with the same insurance company for a minimum of four years, and nearly 40% of drivers have never compared rates from other carriers. Consumers in California can save roughly $470 each year, but they think it's difficult to compare rates.
The most effective way to find more affordable Chevy Captiva Sport insurance is to compare prices once a year from insurance carriers who provide car insurance in Santa Ana. Rates can be compared by following these guidelines.
- Step 1: Take a little time to learn about individual coverages and the factors you can control to lower rates. Many rating criteria that result in higher prices such as speeding and a not-so-good credit rating can be improved by making small lifestyle or driving habit changes. Later in this article we will cover more information to prevent expensive rate increases and find overlooked discounts.
- Step 2: Compare price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give rate quotes from one company like GEICO or State Farm, while agents who are independent can quote rates from multiple companies.
- Step 3: Compare the new rate quotes to your current policy premium to determine if you can save on Captiva Sport insurance. If you find a better price, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Step 4: Provide written notification to your current company to cancel your existing policy and submit the application along with any required down payment for your new policy. When you receive it, safely store the certificate of insurance in your vehicle.
The most important part of shopping around is that you'll want to make sure you compare identical limits and deductibles on every price quote and and to get price quotes from as many different insurance providers as possible. Doing this provides a fair price comparison and a complete selection of prices.
Smart Buyers Can Reduce Insurance Rates
Lots of factors are part of the equation when quoting car insurance. Some factors are common sense like an MVR report, but others are less apparent such as whether you are married or your financial responsibility.
Extra policy coverages that aren't used - Policies have add-on coverages that can add up on your Captiva Sport policy. Insurance for things like personal injury protection, accidental death, and motor club memberships are probably not needed. These may sound like a good investment initially, but if they're wasting money get rid of them and save.
Credit rating impacts premium premiums - Having a bad credit score can be a huge factor in calculating your insurance rates. Consumers who have good credit tend to be more responsible and file fewer claims than those with bad credit. So if your credit rating can use some improvement, you could save money insuring your Chevrolet Captiva Sport by improving your rating.
Job impacts prices - Careers like fire fighters, social workers, and financial analysts usually pay higher premium rates due to high stress levels and lots of time spent away from family. Other jobs such as farmers, engineers and performers have lower than average premiums.
How's your driving record? - Having a clean driving record has a big impact on rates. Attentive drivers pay lower auto insurance prices as compared to careless drivers. Only having one chargeable violation can increase rates by as much as twenty percent. Drivers with dangerous violations such as DWI, reckless driving or hit and run convictions may find that they have to to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to drive a vehicle legally.
Insurance losses for a Chevy Captiva Sport - Companies study historical loss data when setting premium rates. Models that the statistics show to have higher frequency or amount of claims will be charged more to insure. The data below shows the compiled insurance loss statistics for Chevy Captiva Sport vehicles.
For each coverage category, the statistical loss for all vehicles, without regard to make or model, is represented as 100. Numbers under 100 suggest losses that are better than average, while values that are above 100 indicate more frequent claims or statistically larger claims.
| Vehicle Make and Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Chevrolet Captiva Sport 4dr 2WD | 89 | 95 | 88 | 123 | 115 | 105 |
Statistics from IIHS.org for 2013-2015 Model Years
Santa Ana insurance discounts for a Chevy Captiva Sport
Insuring your vehicles can cost a lot, but companies offer discounts that could help you make your next renewal payment. Some discounts will apply at the time of purchase, but lesser-known reductions have to be inquired about before being credited.
- Payment Method - If you pay your bill all at once instead of monthly or quarterly installments you can actually save on your bill.
- More Vehicles More Savings - Buying insurance for several vehicles with one company can reduce rates for all insured vehicles.
- Student Discount for Driver Training - Reduce the cost of insurance for teen drivers by having them successfully complete driver's ed class in school or through a local driver safety program.
- Claim-Free Discount - Drivers with accident-free driving histories are rewarded with significantly better rates on Santa Ana car insurance quote as opposed to accident-prone drivers.
- Clubs and Organizations - Affiliation with qualifying clubs or civic groups is a simple method to lower premiums on your bill.
- Senior Citizen Discount - Mature drivers may receive a discount up to 10%.
- New Car Discount - Insuring a vehicle that is new can cost up to 25% less because newer vehicles are generally safer.
- Bundle and Save - When you have multiple policies with one insurance company you could save at least 10 to 15 percent or more.
- Defensive Driving Course - Completing a course in defensive driver could save 5% or more if you qualify.
- Theft Deterrent - Anti-theft and alarm system equipped vehicles help deter theft and qualify for as much as a 10% discount.
You can save money using discounts, but some credits don't apply to the entire cost. Most only apply to specific coverage prices like comp or med pay. If you do the math and it seems like you would end up receiving a 100% discount, you're out of luck.
To find insurance companies with significant discounts in California, follow this link.
Get the best coverage at the best price
When searching for the cheapest Chevrolet Captiva Sport rate quotes, it's not a good idea to buy lower coverage limits just to save a few bucks. In too many instances, someone sacrificed liability limits or collision coverage and found out when filing a claim that the small savings ended up costing them much more. The ultimate goal is to purchase plenty of coverage for the lowest price.
We've covered some good ideas how you can reduce Chevy Captiva Sport insurance rates online in Santa Ana. The most important thing to understand is the more price quotes you have, the better likelihood of getting cheaper Santa Ana car insurance quotes. You may even find the best price on insurance is with some of the lesser-known companies. Regional companies may only write in your state and offer lower car insurance rates than their larger competitors like Progressive and GEICO.
Additional insurance information is available below:
- Neck Injury FAQ (iihs.org)
- Who Has the Cheapest Auto Insurance Quotes for Hybrid Vehicles in Santa Ana? (FAQ)
- Who Has Affordable Santa Ana Auto Insurance Rates for a Jeep Grand Cherokee? (FAQ)
- How Much is Santa Ana Car Insurance for College Graduates? (FAQ)
- Bodily Injury Coverage (Liberty Mutual)
- Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)