Anyone knows that auto insurance companies don't want you to compare rates. Insureds who compare other rates are likely to switch car insurance companies because they have good chances of finding a lower-priced policy. A recent survey discovered that drivers who regularly shopped around saved on average $865 annually compared to drivers who never shopped around for better prices.
If finding the cheapest rates on Chevy Cobalt insurance is your ultimate objective, learning how to shop and compare coverages can make shopping around easier.
It takes a little time, but the best way to find lower priced Chevy Cobalt insurance is to compare prices once a year from insurance carriers who sell insurance in Santa Ana. You can shop around by following these steps.
- It will benefit you to learn about what is in your policy and the steps you can take to keep rates down. Many factors that drive up the price like accidents, traffic tickets, and a lousy credit rating can be rectified by paying attention to minor details. This article gives information to prevent rate hikes and get additional discounts that may be available.
- Request rate estimates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can give quotes from one company like Progressive or Farmers Insurance, while agents who are independent can provide rate quotes from many different companies. View a list of agents
- Compare the new rates to the premium of your current policy to see if cheaper Cobalt coverage is available in Santa Ana. If you find a lower rate and decide to switch, make sure coverage does not lapse between policies.
One thing to remember is to compare the same liability limits and deductibles on each price quote and and to get rate quotes from all possible companies. Doing this provides a fair rate comparison and maximum price selection.
Locating the most cost-effective car insurance policy in Santa Ana is actually very simple if you learn how to start. Just about every driver who shops around for car insurance most likely will buy a cheaper policy. Although California drivers do need to learn how companies set your policy premium and use this information to your advantage.
All the larger car insurance companies like Progressive, Allstate and GEICO make it easy to get insurance quotes on their websites. Doing online quotes for Chevy Cobalt insurance in Santa Ana is quite easy as you just enter the amount of coverage you want as requested by the quote form. Behind the scenes, the company's rating system orders reports for credit and driving violations and quotes a price based on the data you entered. The ability to get online quotes for Chevy Cobalt insurance in Santa Ana makes it simple to compare prices and it is imperative to have as many quotes as possible if you are searching for a better rate.
To save time and get comparison pricing now, compare rates from the companies below. If you currently have coverage, we recommend you replicate your coverages as close as possible to your current policy. This makes sure you will get a fair comparison for similar insurance coverage.
The providers in the list below offer free rate quotes in California. If more than one company is shown, we suggest you visit two to three different companies to get a more complete price comparison.
Lower rate quotes by earning discounts
Companies that sell car insurance don't necessarily list the complete list of policy discounts very clearly, so we researched both well-publicized and the more hidden credits available to lower your premiums when you buy Santa Ana car insurance online.
- Save with a New Car - Insuring a vehicle that is new is cheaper since new vehicles have better safety ratings.
- Online Discount - Certain larger companies will discount your bill up to fifty bucks simply for signing over the internet.
- Claim Free - Drivers who don't have accidents can save substantially when compared with drivers who are more careless.
- Waiver for an Accident - This isn't a discount exactly, but some insurance companies will allow you to have one accident before your rates go up with the catch being you have to be claim-free for a certain period of time.
- Drivers Education - Reduce the cost of insurance for teen drivers by having them successfully take a driver's education course as it can save substantially.
- Active Military Service - Being deployed with a military unit can result in better auto insurance rates.
As is typical with insurance, some credits don't apply to the entire cost. Most cut the cost of specific coverages such as liability and collision coverage. So when the math indicates it's possible to get free car insurance, you aren't that lucky. Any qualifying discounts will bring down your policy cost.
The chart below shows the difference between Chevy Cobalt insurance rates with and without some available policy discounts. The rate quotes are based on a male driver, no driving violations, no at-fault accidents, California state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, claim-free, multi-policy, marriage, and safe-driver discounts applied.
A partial list of companies that may offer many of the previously listed discounts include:
When quoting, ask each company or agent which discounts you qualify for. Some discounts might not apply in Santa Ana. If you would like to see a list of providers with significant discounts in California, follow this link.
Coverage information
The coverage table shown below highlights different insurance prices for Chevy Cobalt models. Learning as much as possible about how car insurance premiums are determined can be valuable when making smart buying decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cobalt LS 4-Dr Sedan | $204 | $524 | $674 | $40 | $202 | $1,644 | $137 |
| Cobalt XFE 4-Dr Sedan | $204 | $524 | $674 | $40 | $202 | $1,644 | $137 |
| Cobalt LS 2-Dr Coupe | $234 | $524 | $746 | $44 | $224 | $1,772 | $148 |
| Cobalt XFE 2-Dr Coupe | $234 | $524 | $746 | $44 | $224 | $1,772 | $148 |
| Cobalt LT 4-Dr Sedan | $234 | $524 | $674 | $40 | $202 | $1,674 | $140 |
| Cobalt LT 2-Dr Coupe | $264 | $524 | $746 | $44 | $224 | $1,802 | $150 |
| Cobalt SS Turbo 2-Dr Coupe | $294 | $684 | $746 | $44 | $224 | $1,992 | $166 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Rates do not factor in the specific area where the vehicle is garaged which can affect premium rates significantly.
Comparison of policy deductibles
One of the most common car insurance questions is how high should your deductibles be. The figures shown below may help to conceptualize the price difference between low and high policy deductibles. The first set of rates uses a $100 deductible for comp and collision and the second data table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cobalt LS 4-Dr Sedan | $332 | $810 | $500 | $30 | $150 | $1,847 | $154 |
| Cobalt XFE 4-Dr Sedan | $332 | $810 | $500 | $30 | $150 | $1,847 | $154 |
| Cobalt LS 2-Dr Coupe | $380 | $810 | $552 | $32 | $166 | $1,965 | $164 |
| Cobalt XFE 2-Dr Coupe | $380 | $810 | $552 | $32 | $166 | $1,965 | $164 |
| Cobalt LT 4-Dr Sedan | $380 | $810 | $500 | $30 | $150 | $1,895 | $158 |
| Cobalt LT 2-Dr Coupe | $430 | $810 | $552 | $32 | $166 | $2,015 | $168 |
| Cobalt SS Turbo 2-Dr Coupe | $478 | $1054 | $552 | $32 | $166 | $2,307 | $192 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cobalt LS 4-Dr Sedan | $184 | $426 | $500 | $30 | $150 | $1,290 | $108 |
| Cobalt XFE 4-Dr Sedan | $184 | $426 | $500 | $30 | $150 | $1,290 | $108 |
| Cobalt LS 2-Dr Coupe | $210 | $426 | $552 | $32 | $166 | $1,386 | $116 |
| Cobalt XFE 2-Dr Coupe | $210 | $426 | $552 | $32 | $166 | $1,386 | $116 |
| Cobalt LT 4-Dr Sedan | $210 | $426 | $500 | $30 | $150 | $1,316 | $110 |
| Cobalt LT 2-Dr Coupe | $238 | $426 | $552 | $32 | $166 | $1,414 | $118 |
| Cobalt SS Turbo 2-Dr Coupe | $266 | $556 | $552 | $32 | $166 | $1,572 | $131 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Price information does not factor in garaging location in Santa Ana which can influence price quotes noticeably.
Based on the figures above, using a $100 deductible will cost in the ballpark of $50 more each month or $600 for a full year than requesting the higher $1,000 deductible. Because you would be required to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you go more than 18 months between claim filings, you would save money if you choose the higher deductible. The numbers below show a better example of how you can make this decision for your own policy.
| Average monthly premium for $100 deductibles: | $165 |
| Average monthly premium for $1,000 deductibles (subtract): | - $115 |
| Monthly savings from raising deductible: | $50 |
| Difference between deductibles ($1,000 - $100): | $900 |
| Divide difference by monthly savings: | $900 / $50 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 18 months |
One important note is that raising deductibles to get cheaper rates results in having to pay to pay more out-of-pocket when you have a comprehensive or collision claim. You need to have some extra savings in the event you need to pay more for the deductible.
The illustration below shows how different deductible levels and can raise or lower Chevy Cobalt yearly insurance costs for each age group. The premiums are based on a married male driver, full physical damage coverage, and no additional discounts are factored in.
Careless driving habits raise Santa Ana car insurance rates
The chart below highlights how speeding tickets and accidents can influence Chevy Cobalt yearly insurance costs for different age groups. The price estimates are based on a married female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied.
Local agents and car insurance
Certain consumers would prefer to talk to an insurance agent and that is recommended in a lot of cases The best thing about comparing rate quotes online is the fact that you can find cheaper rates and still have an agent to talk to.
Upon completion of this form (opens in new window), the coverage information is transmitted to agents in your area that give free quotes for your car insurance coverage. It's much easier because you don't need to find an agent on your own due to the fact that quote results will go to you instantly. You can get cheaper car insurance rates without a big time investment. If you have a need to quote rates from a specific car insurance provider, you can always search and find their rate quote page and fill out their quote form.
Choosing the best provider needs to be determined by more than just a cheap price quote. Ask your prospective agent these questions:
- Does the company allow you to choose your own collision repair facility?
- Can glass claims be handled at your home?
- Can they give you a list of client referrals?
- How much can you save by raising your physical damage deductibles?
- Are they paid to recommend certain coverages?
Pick the best car insurance agent in Santa Ana for you
When narrowing the list to find a local insurance agency, it can be helpful to understand the different types of agents and how they are distinctly different. Agents can be classified as either exclusive or independent agents depending on their company appointments.
Exclusive Agencies
These type of agents write business for a single company such as Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agents cannot provide other company's prices so it's a take it or leave it situation. Exclusive agencies are well schooled on their company's products which aids in selling service over price.
The following is a list of exclusive insurance agencies in Santa Ana who may provide you with comparison quotes.
Aidee Lopez - State Farm Insurance Agent
3750 W McFadden Ave e - Santa Ana, CA 92704 - (714) 775-3090 - View Map
Farmers Insurance - Rodolfo Guzman
1740 W Edinger Ave - Santa Ana, CA 92704 - (714) 556-5942 - View Map
Farmers Insurance - Maria Guerrero
1647 E First St a - Santa Ana, CA 92701 - (714) 285-0303 - View Map
Independent Agents (or Brokers)
These type of agents can quote rates with many companies and that enables them to quote your coverage through lots of different companies and get you the best rates possible. If you are not satisfied with one company, they simply move your policy to a different company and you can keep the same agent. When searching for an agent, you should always check rates from a few independent agents so that you have a good selection of quotes to compare.
Shown below are Santa Ana independent agencies that can give you comparison quotes.
Santa Ana Insurance
1331 W 1st St #101 - Santa Ana, CA 92703 - (714) 953-9341 - View Map
California Insurance Specialists
400 N Tustin Ave # 425 - Santa Ana, CA 92705 - (714) 558-8041 - View Map
First American Property and Casualty Insurance Group
4 First American Way - Santa Ana, CA 92701 - (714) 560-7850 - View Map
How do Insurance Providers Determine Chevy Cobalt Insurance Rates?
Many things are considered when pricing auto insurance. Some factors are common sense such as your driving record, but other criteria are less obvious like where you live and annual miles driven.
The itemized list below are some of the most common factors used by insurance companies to determine your premiums.
Vehicle risk affects prices - The make and model of the car or truck you are insuring makes a huge difference in your car insurance bill. Small economy passenger cars usually are quite affordable to insure, but there are many factors that impact the final cost.
The following chart uses these assumptions: married female driver age 20, full coverage with $500 deductibles, and no discounts or violations. The chart compares Chevrolet Cobalt insurance premiums compared to other vehicles that have different risk factors.
Do you really need roadside assistance? - There are a ton of add-on coverages that can add up if you don't pay attention. Insurance for things like rental car reimbursement, towing, and additional equipment coverage are some examples. You may think they are a good idea when discussing your needs, but if you don't need them get rid of them and save.
Choose high safety ratings and save - Vehicles that have high safety ratings can get you lower premiums. These vehicles protect occupants better and any reduction in injury severity translates into fewer and smaller insurance claims and cheaper rates on your policy. If the Chevy Cobalt has at least an "acceptable" rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
Where you live factors in - Choosing to live in a rural area can save you money when buying insurance. Lower population means reduced accidents and lower theft and vandalism rates. Drivers who live in large California cities regularly have traffic congestion and higher rates of accident claims. More time behind the wheel means a statistically higher chance of an accident.
Married people drive safer - Having a wife or husband helps lower the price when shopping for insurance. Marriage may mean you are more responsible and it's statistically proven that married drivers tend to file fewer claims.
What are your comp and collision deductibles? - Your deductibles define how much you are willing to pay out-of-pocket in the event of a claim. Insurance for physical damage to your car, also called 'full coverage', is used to repair damage to your car. Some coverage claims are collision with another vehicle, fire damage, or theft of your vehicle. The larger the amount you pay before a claim is paid (deductible), the bigger discount you will receive.
Why you need Chevy Cobalt insurance in California
Even though Santa Ana Cobalt insurance rates can get expensive, maintaining insurance may be mandatory for several reasons.
- Most states have minimum mandated liability insurance limits which means you are required to carry a minimum amount of liability 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 your Cobalt has a lienholder, most lenders will make it mandatory that you have insurance to guarantee payment of the loan. If coverage lapses or is canceled, the bank will be required to insure your Chevy for a lot more money and force you to pay for the expensive policy.
- Insurance safeguards both your vehicle and your assets. It will also reimburse you for medical transport and hospital expenses for yourself as well as anyone injured by you. As part of your policy, liability insurance will also pay to defend you if you are sued as the result of an accident. If your Chevy gets damaged, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage minus the deductible amount.
The benefits of insuring your Cobalt greatly outweigh the cost, especially if you ever need it. According to a survey of 1,000 drivers, the average driver overpays more than $825 a year so smart consumers compare quotes every year to ensure rates are inline.
Cover all your bases
As you prepare to switch companies, never reduce coverage to reduce premium. Too many times, someone sacrificed liability coverage limits only to discover later that the savings was not a smart move. Your goal should be to find the BEST coverage at the best possible price and still be able to protect your assets.
There are still a few companies who may not offer the ability to get quotes online and usually these regional carriers sell through independent insurance agents. Cheap Chevy Cobalt insurance in Santa Ana can be found on the web as well as from insurance agents, and you should compare price quotes from both in order to have the best chance of saving money.
More information is located at these links:
- Credit Impacts Car Insurance Rates (State Farm)
- Who Has the Cheapest Santa Ana Auto Insurance for 16 Year Olds? (FAQ)
- Who Has the Cheapest Auto Insurance for a Kia Forte in Santa Ana? (FAQ)
- How Much are Car Insurance Rates for Good Drivers in Santa Ana? (FAQ)
- Coverage Information (Progressive Insurance)
- Older Driver Statistics (Insurance Information Institute)
- Neck Injury FAQ (iihs.org)