Cheapest Rate Quotes for Subaru Crosstrek Insurance in Santa Ana

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Discount Subaru Crosstrek insuranceThe best way to get discount Subaru Crosstrek insurance in Santa Ana is to do a yearly price comparison from insurers who can sell car insurance in California.

  1. Try to understand the different coverages in a policy and the measures you can take to prevent expensive coverage. Many factors that cause rate increases like traffic citations and a lousy credit rating can be remedied by improving your driving habits or financial responsibility. This article gives additional ideas to get lower rates and get discounts that may be available to you.
  2. Get rate quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give rate quotes from one company like Progressive and State Farm, while independent agencies can quote prices from many different companies.
  3. Compare the new rate quotes to your existing coverage and determine if cheaper Crosstrek coverage is available in Santa Ana. If you find better rates, verify that coverage does not lapse between policies.
  4. Give notification to your current company to cancel your current car insurance policy and submit any necessary down payment along with the completed application to your new company or agent. As soon as you receive it, keep your new certificate verifying coverage with your vehicle's registration.

A crucial key to this process is that you'll want to make sure you compare identical coverage information on each quote request and and to look at as many car insurance companies as possible. Doing this ensures a level playing field and a complete selection of prices.

Unbelievably, the vast majority of insurance customers have bought insurance from the same company for more than four years, and approximately 38% of consumers have never compared rates from other carriers. Santa Ana consumers could save an average of approximately 35% each year just by getting comparison quotes, but they don't know the amount of savings they would get if they replace their high priced policy.

Locating the best rates in Santa Ana is really quite easy. If you have coverage now, you should be able to shop for the lowest rates using these techniques. Comparison shoppers only have to learn the proper way to shop for insurance from many companies at once.

Finding more affordable car insurance rates is actually easier than you may think. You just need to take a few minutes to compare rates provided by online insurance companies.

The companies shown below provide comparison quotes in Santa Ana, CA. If the list has multiple companies, we suggest you visit two to three different companies to get the best price comparison.

Save a ton by taking advantage of discounts

Companies don't always list every available discount very clearly, so the list below contains some of the more common and the harder-to-find discounts that you can inquire about if you buy Santa Ana car insurance online.Cheaper car insurance with discounts

  • Paper-free Discount - Many companies will give you a small discount for signing up over the internet.
  • Switch and Save Discount - Select companies give a discount for buying a new policy before your current coverage expires. Ten percent is about the average savings.
  • Defensive Driving Course - Participating in a driver safety class could earn you a small percentage discount if you qualify.
  • ABS Brakes - Cars with anti-lock braking systems can stop better under adverse conditions and qualify for as much as a 10% discount.
  • Smart Student Discounts - Being a good student may save you up to 25%. This discount can apply well after school through age 25.
  • Responsible Driver Discounts - Accident-free drivers can save up to 40% or more on their Santa Ana car insurance quote as compared to drivers with claims.
  • Driver Education Discount - Require your teen driver to complete a driver education course in high school.

As a footnote on discounts, most of the big mark downs will not be given to the entire cost. The majority will only reduce specific coverage prices like comprehensive or collision. So even though they make it sound like having all the discounts means you get insurance for free, you aren't that lucky.

A few of the larger companies and their possible discounts are:

  • Farmers Insurance offers discounts for mature driver, pay in full, alternative fuel, business and professional, bundle discounts, and distant student.
  • State Farm has discounts for Steer Clear safe driver discount, passive restraint, Drive Safe & Save, accident-free, and good student.
  • Liberty Mutual includes discounts for hybrid vehicle, multi-car, multi-policy, good student, newly retired, exclusive group savings, and teen driver discount.
  • MetLife discounts include accident-free, good student, claim-free, multi-policy, and defensive driver.
  • Progressive offers discounts including continuous coverage, online quote discount, multi-vehicle, online signing, and multi-policy.

Check with all companies you are considering to give you their best rates. Some discounts listed above may not be available in your area.

Informed Consumers Can Lower Their Insurance Costs

Consumers need to have an understanding of some of the things that help calculate your policy premiums. If you have a feel for what controls the rates you pay, this enables you to make decisions that could result in lower rates.

  • Safeguard your assets with liability - Liability coverage will provide protection when you are found liable for an accident. Liability provides for a legal defense which can cost thousands of dollars. Liability is cheap as compared to coverage for physical damage, so insureds should have plenty of protection for their assets.
  • Higher insurance rates for insurance lapses - Letting your insurance expire is a fast way to increase your insurance rates. Not only will you pay higher rates, getting caught without coverage may result in fines and jail time.
  • Females tend to take less risk - The statistics show that females take fewer risks when driving. However, this does not mean women are better drivers. Females and males tend to get into accidents in similar numbers, but guys get into accidents with more damage. Men also receive more major tickets such as driving while intoxicated (DWI) or driving recklessly.
  • Discounts for multiple policies - Most larger insurers give lower prices for people who buy several policies from them, otherwise known as a multi-policy discount. The discount can add up to five, ten or even twenty percent. Even if you're getting this discount you may still want to check prices from other companies to confirm you are receiving the best rates possible.

Auto insurance agents can give valuable advice

Certain consumers would rather visit with an insurance agent and doing so can bring peace of mind Good agents can answer important questions and help submit paperwork. One of the benefits of comparing insurance prices online is you can get cheap insurance rates and still have a local agent.

Insurance agents in Santa AnaTo help locate an agent, after submitting this quick form, your insurance data gets sent to local insurance agents that can give you free Santa Ana car insurance quotes to get your business. You never need to contact any insurance agencies due to the fact that quote results will go immediately to you. If you need to get a comparison quote for a specific company, don't hesitate to search and find their rate quote page and submit a quote form there.

Choosing the best insurance company needs to be determined by more than just a cheap quote. These are valid questions to ask:

  • Will they give you a referral list?
  • Are all drivers listed on the coverage quote?
  • Does the agency have a good rating with the Better Business Bureau?
  • Are you getting all the discounts the company offers?
  • Do you work with a CSR or direct with the agent?
  • What will you get paid if your car is a total loss? How is that amount determined?

When finding a reputable agency, you need to know there are two different types of agencies to choose from. Insurance policy providers are categorized either independent (non-exclusive) or exclusive. Both handle insurance, but it's good to learn the subtle differences since it can affect the selection process.

Exclusive Insurance Agencies

Agents in the exclusive channel can only provide one company's prices like Allstate, AAA, Farmers Insurance, and State Farm. They generally cannot provide prices from multiple companies so you might not find the best rates. They are well schooled on what they offer which aids in selling service over price. Some people will only buy insurance from these agents partially due to the brand name rather than low price.

Shown below is a list of exclusive insurance agencies in Santa Ana who can help you get price quote information.

View more agents

Independent Insurance Agents

Agents of this type are normally appointed by many insurers so they can write business amongst many companies and find the cheapest rate. If they find a lower price, your policy is moved internally and that require little work on your part. If you need cheaper insurance rates, we highly recommend that you get several quotes from at least one independent agent to get the best comparison. They often place coverage with smaller companies which can be an advantage.

Below is a short list of independent insurance agencies in Santa Ana willing to provide rate quotes.


  • 2302 S Bristol St A - Santa Ana, CA 92704 - (714) 352-3777 - View Map
  • Ammar Insurance Agency
    726 S Main St - Santa Ana, CA 92701 - (714) 547-2400 - View Map
  • Santa Ana Insurance
    1331 W 1st St #101 - Santa Ana, CA 92703 - (714) 953-9341 - View Map

View more agents

Don't give up on cheap rates

We just showed you a lot of information how to find cheap Subaru Crosstrek insurance in Santa Ana. The most important thing to understand is the more rate quotes you have, the better chance you'll have of finding low cost Santa Ana car insurance quotes. Drivers may even discover the best price on auto insurance is with an unexpected company.

Some insurance companies may not have online rate quotes and usually these small insurance companies provide coverage only through independent agents. Cheap Subaru Crosstrek insurance in Santa Ana can be sourced from both online companies and with local Santa Ana insurance agents, so you need to compare both to have the best chance of lowering rates.

When shopping online for auto insurance, it's not a good idea to reduce coverage to reduce premium. There are a lot of situations where drivers have reduced liability coverage limits only to find out they didn't have enough coverage. Your focus should be to purchase a proper amount of coverage at the lowest possible cost, not the least amount of coverage.

Additional auto insurance information can be read at these links: