Sad but true, over 70% of drivers kept their coverage with the same car insurance company for well over three years, and approximately 38% of consumers have never compared rates with other companies. With the average premium in California being $1,390, drivers could save themselves up to $500 a year by just comparing quotes, but they don't want to take the time to compare rates.
Really, the only way to get the cheapest Chevy SS insurance in Santa Ana is to start comparing rates regularly from insurance carriers that sell auto insurance in California.
- Step 1: Take a few minutes and learn about individual coverages and the steps you can take to lower rates. Many rating factors that cause high rates like accidents, careless driving, and a not-so-good credit score can be remedied by being financially responsible and driving safely. Later in this article we will cover tips to help find cheaper rates and find overlooked discounts.
- Step 2: Compare price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give prices from one company like GEICO or Allstate, while agents who are independent can quote prices for a wide range of insurance providers.
- Step 3: Compare the price quotes to your existing rates to see if cheaper SS coverage is available. If you find a better price and switch companies, ensure coverage does not lapse between policies.
- Step 4: Give proper notification to your current agent or company of your intent to cancel your current auto insurance policy and submit a signed application and payment to the newly selected company. As soon as coverage is bound, place your new certificate verifying proof of insurance in a readily accessible location in your vehicle.
One tip to remember is to try to compare identical deductibles and limits on every price quote and to quote with as many car insurance companies as possible. Doing this enables a fair rate comparison and the best price selection.
If you are insured now or are looking for a new policy, you can use this information to reduce premiums without reducing coverage. Finding the cheapest auto insurance coverage in Santa Ana can be much easier if you know how to start. Consumers only have to learn how to find the lowest price from multiple carriers.
Verify you're receiving every discount
Car insurance is expensive, but you may qualify for discounts to cut the cost considerably. Most are applied when you get a quote, but a few must be inquired about before being credited.
- College Student Discount - Youth drivers who are enrolled in a college that is more than 100 miles from Santa Ana and do not take a car to college may be insured at a cheaper rate.
- Low Mileage Discounts - Driving less may enable drivers to earn better car insurance rates on cars that stay parked.
- Multi-policy Discount - If you combine your auto and home policies and insure them both with the same insurance company they may give you a discount of over 10 percent off each policy depending on the company.
- Government Employees - Active or former government employment could provide a small rate reduction with certain companies.
- Use Seat Belts - Requiring all passengers to wear their seat belts may be able to save a few bucks on the premium charged for medical payments and/or PIP.
- Driver Training Discounts - Participating in a defensive driving course could save 5% or more and easily recoup the cost of the course.
As a sidenote, most credits do not apply to all coverage premiums. Most only cut specific coverage prices like medical payments or collision. Even though it appears having all the discounts means you get insurance for free, nobody gets a free ride.
Car insurance companies that may include some of the discounts shown above include:
When quoting, ask every company to apply every possible discount. Some of the earlier mentioned discounts may not apply to policies in your area.
The best way to compare policy rates for Chevy SS insurance in Santa Ana is to realize all the major auto insurance companies provide online access to give you rate quotes. The only thing you need to do is provide the companies a bit of rating information like if it has an anti-theft system, the ages of drivers, what your job is, and how much school you completed. That rating information is then sent to multiple car insurance providers and you will get price comparisons within a short period of time.
To compare lower-cost Chevy SS insurance rates now, click here and find out if you can get cheaper insurance in Santa Ana.
The providers in the list below provide comparison quotes in Santa Ana, CA. If multiple providers are shown, we recommend you visit several of them to get the best price comparison.
Lower Insurance Rates with These Tips
Multiple criteria are used when you quote your car insurance policy. A few of the factors are predictable like your driving record, but other factors are not quite as obvious like where you live or your financial responsibility.
The factors shown below are most of the major factors car insurance companies consider when setting prices.
Your address can push rates up or down - Having an address in less populated areas may provide you with better prices when trying to find low car insurance rates. Urban drivers tend to have more aggressive driving styles and higher rates of accident claims. Less people living in that area means reduced accidents and also fewer theft and vandalism claims.
Better drivers pay lower prices - Having a single moving violation can increase the cost of insurance forty percent or more. Careful drivers receive lower rates compared to drivers with tickets. Drivers with careless citations like reckless driving or DUI may find they need to file a proof of financial responsibility form (SR-22) with their state's licensing department in order to drive a vehicle legally.
Does insurance coverage cost more for males? - Statistics have proven that men are more aggressive behind the wheel. That doesn't necessarily mean that men are WORSE drivers than women. Females and males are in fender benders in similar percentages, but the males cause more damage. In addition to higher claims, males also have more aggressive citations such as DWI and reckless driving. Males from age 16 to 21 tend to get in the most accidents and therefore are the most expensive to insure.
Better prices on vehicles with better crash test results - Safer cars can get you lower premiums. Safer cars reduce injuries and lower rates of occupant injuries means your insurance company pays less which can mean better rates for you.
No policy claims equals lower prices - Insurance companies in California generally give discounts to drivers who only file infrequent claims. If you are the type of insured that files lots of claims you can pretty much guarantee much higher rates or policy non-renewal. Your insurance policy is meant to be used in the event of claims that pose a financial burden.
Chevy SS insurance loss probability - Insurers factor in historical loss data when they set coverage costs for each model. Models that tend to have a trend towards higher claims will have a higher cost to insure. The table below demonstrates the compiled insurance loss statistics for Chevy SS vehicles.
For each insurance policy coverage type, the claim probability for all vehicles, regardless of manufacturer or model, is set at 100. Numbers that are below 100 imply a favorable loss record, while values over 100 point to more frequent losses or an increased probability of a larger loss.
| Vehicle Make and Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Chevrolet SS | 142 | 75 | 137 |
Empty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Shop online but buy locally
Some consumers still prefer to buy from a local agent and that can be a smart move Agents are very good at helping people manage risk and will help you if you have claims. One of the benefits of comparing insurance prices online is that you can find lower rates but also keep your business local.
To find an agent, once you fill out this form (opens in new window), the coverage information gets sent to local insurance agents in Santa Ana who will return price quotes to get your business. You never need to drive around since price quotes are sent immediately to your email address. If you want to get a rate quote from a specific insurance company, you just need to search and find their rate quote page and fill out the quote form the provide.
Selecting an company is decision based upon more than just the bottom line cost. Ask your prospective agent these questions:
- Where are claims handled?
- Which family members are covered?
- If they are an independent agency in Santa Ana, which companies do they recommend?
- What is their Better Business Bureau rating?
- How much will you save each year by using a higher deductible?
Auto insurance does more than just repair your car
Despite the fact that auto insurance is not cheap in Santa Ana, maintaining insurance is mandatory in California but it also protects more than you think.
- Just about all states have mandatory insurance requirements which means state laws require a specific minimum amount of liability protection in order to get the vehicle licensed. 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 SS has a lienholder, more than likely the lender will force you to have comprehensive coverage to ensure the loan is repaid in case of a total loss. If you let the policy lapse, the bank will be required to insure your Chevy at a much higher premium rate and require you to pay the higher premium.
- Insurance protects your car and your assets. It will also reimburse you for medical bills incurred in an accident. Liability insurance also pays expenses related to your legal defense if you cause an accident and are sued. If you receive damage to your vehicle caused by a storm or accident, comprehensive and collision coverage will pay to repair the damage.
The benefits of having insurance are definitely more than the cost, particularly if you ever have a claim. According to a recent study, the average American driver is currently overpaying as much as $830 a year so you should quote your policy with other companies every year to make sure the price is not too high.
Car insurance companies ranked
Selecting a high-quality auto insurance provider can be challenging considering how many different companies sell coverage in California. The ranking information shown next could help you decide which auto insurers you want to consider to insure your vehicles.
Top 10 Santa Ana Car Insurance Companies Overall
- USAA
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
Top 10 Santa Ana Car Insurance Companies by A.M. Best Rank
- USAA - A++
- Travelers - A++
- State Farm - A++
- GEICO - A++
- Esurance - A+
- Nationwide - A+
- Allstate - A+
- Mercury Insurance - A+
- Progressive - A+
- Titan Insurance - A+
Quote often and quote early
We just showed you a lot of information how to lower your Chevy SS insurance prices in Santa Ana. The key concept to understand is the more companies you get rates for, the higher the chance of saving money. Drivers may even discover the biggest savings come from a smaller regional carrier. Smaller companies may often insure only within specific states and give better rates compared to the large companies like State Farm, GEICO and Nationwide.
When shopping online for auto insurance, make sure you don't buy lower coverage limits just to save a few bucks. Too many times, consumers will sacrifice uninsured motorist or liability limits to discover at claim time that it was a big mistake. Your objective should be to find the BEST coverage at the best possible price and still be able to protect your assets.
More detailed auto insurance information can be found in the articles below:
- Side Impact Crash Tests (iihs.org)
- Who Has Affordable Santa Ana Auto Insurance for Lyft Drivers? (FAQ)
- Who Has Cheap Santa Ana Car Insurance Quotes for College Students? (FAQ)
- Vehicle Size and Weight FAQ (iihs.org)
- Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)