Want more affordable Dodge Avenger insurance in Santa Ana? Comparison shopping for low cost Dodge Avenger insurance in Santa Ana can be nearly impossible for drivers who are new to online insurance quotes. With such a large number of online companies available, it can easily be a real challenge to find better prices on Dodge Avenger insurance.
Steps to finding low-cost Dodge Avenger insurance in Santa Ana
It takes a few minutes, but the best way to find low-cost Dodge Avenger insurance is to begin comparing prices regularly from insurers who provide auto insurance in Santa Ana. Rates can be compared by completing these steps.
- First, take a little time to learn about car insurance and the things you can control to prevent expensive coverage. Many rating factors that result in higher rates such as careless driving and a less-than-favorable credit history can be improved by paying attention to minor details.
- Second, obtain price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only provide price estimates from a single company like GEICO and Allstate, while agents who are independent can give you price quotes for a wide range of companies.
- Third, compare the new rates to the price on your current policy and see if you can save money. If you can save some money, make sure coverage is continuous and does not lapse.
The most important part of shopping around is that you'll want to make sure you compare the same physical damage deductibles and liability limits on each quote request and and to get quotes from as many companies as possible. Doing this ensures a level playing field and a better comparison of the market.
It's safe to assume that insurance companies want to keep your business as long as possible. Drivers who compare other rates will probably switch companies because the odds are good of finding a cheaper policy. A recent car insurance study discovered that consumers who routinely compared quotes saved over $860 a year compared to policyholders who never shopped for cheaper rates.
If finding the lowest price for car insurance is why you're reading this, then knowing how to choose a company and compare insurance rates can help you succeed in saving money.
Consumers need to take a look at other company's rates yearly because prices change regularly. Even if you think you had the best quotes on Dodge Avenger insurance in Santa Ana on your last policy there is a good chance you can find better rates now. Block out anything you think you know about car insurance because I'm going to teach you the proper way to reduce your cost while increasing coverage.
Buying the cheapest insurance in Santa Ana seems hard but is not really that difficult. If you have a policy now, you should be able to save money using the following tips. Although California car owners need to have an understanding of the methods companies use to price online insurance.
Best companies for competitive Dodge Avenger insurance in California
The following companies are our best choices to provide free quotes in Santa Ana, CA. If the list has multiple companies, we recommend you visit two to three different companies in order to get a fair rate comparison.
Detailed insurance information
The premium table below outlines estimates of prices for Dodge Avenger models. Being more informed about how insurance policy premiums are determined can be valuable when making smart policy decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avenger Express | $164 | $362 | $480 | $28 | $144 | $1,178 | $98 |
| Avenger R/T | $164 | $362 | $480 | $28 | $144 | $1,178 | $98 |
| Avenger SXT | $164 | $362 | $480 | $28 | $144 | $1,178 | $98 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Information does not factor in garaging location in Santa Ana which can affect coverage prices considerably.
Should you raise deductibles?
One of the more difficult decisions when buying auto insurance is which deductibles should you choose. The figures shown below can help you visualize the costs and benefits when you buy lower versus higher coverage deductibles. The first data table uses a $250 deductible for comp and collision and the second rate table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avenger Express | $342 | $678 | $500 | $30 | $150 | $1,725 | $144 |
| Avenger R/T | $342 | $678 | $500 | $30 | $150 | $1,725 | $144 |
| Avenger SXT | $342 | $678 | $500 | $30 | $150 | $1,725 | $144 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avenger Express | $210 | $426 | $500 | $30 | $150 | $1,316 | $110 |
| Avenger R/T | $210 | $426 | $500 | $30 | $150 | $1,316 | $110 |
| Avenger SXT | $210 | $426 | $500 | $30 | $150 | $1,316 | $110 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Price estimates do not factor in specific zip code location which can decrease or increase prices significantly.
We can estimate from the data above that using a $250 deductible costs approximately $34 more each month or $408 annually across all Dodge Avenger models than quoting the higher $1,000 deductible. Since you would pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go at a minimum 22 months between claim filings, you would save more money if you choose the higher deductible. The illustration below shows the way you can do this calculation yourself.
| Average monthly premium for $250 deductibles: | $144 |
| Average monthly premium for $1,000 deductibles (subtract): | - $110 |
| Monthly savings from raising deductible: | $34 |
| Difference between deductibles ($1,000 - $250): | $750 |
| Divide difference by monthly savings: | $750 / $34 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 22 months |
An important thing to remember is that raising deductibles results in more money out-of-pocket when you have a comprehensive or collision claim. You must have some available funds in the event you need to pay the deductible for vehicle repair.
Companies offer lots of discounts on Dodge Avenger insurance in Santa Ana
Insuring your fleet can be pricey, but there may be some discounts that you may not even be aware of. Certain discounts will be applied when you get a quote, but once in a while a discount must be manually applied before being credited.
- Anti-lock Brake System - Cars that have anti-lock braking systems have fewer accidents so companies give up to a 10% discount.
- Claim-Free Discount - Claim-free drivers have much lower rates when compared with bad drivers.
- Senior Citizens - If you qualify as a senior citizen, you can get lower premium rates.
- Distant Student - Older children who are attending college and do not have a car could qualify for this discount.
- Low Mileage - Fewer annual miles on your Dodge could earn cheaper rates.
- Policy Bundle Discount - If you can bundle your auto and home insurance with the same insurance company you will save up to 20% and get you affordable Dodge Avenger insurance rates in Santa Ana.
- Federal Government Employee - Active or retired federal employment could provide a small rate reduction with select insurance companies.
- Safety Restraint Discount - Drivers who always wear seat belts and also require passengers to buckle up before driving can save a little off the medical payments premium.
- Driver Safety - Passing a defensive driver course could possibly earn you a 5% discount if your company offers it.
- No Charge for an Accident - Not really a discount, but some companies like Progressive and Allstate will forgive one accident without getting socked with a rate hike if you are claim-free for a particular time prior to the accident.
A quick disclaimer, most discounts do not apply to the entire cost. Most only cut individual premiums such as comprehensive or collision. So when the math indicates it's possible to get free car insurance, you won't be that lucky.
The diagram below shows the comparison of Dodge Avenger insurance premiums with and without discounts being applied to the rates. The data is based on a male driver, a clean driving record, no claims, California state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, claim-free, safe-driver, multi-policy, and multi-car discounts applied.
A list of auto insurance companies and some of the discounts are:
- Progressive may have discounts that include good student, online signing, continuous coverage, online quote discount, homeowner, and multi-vehicle.
- MetLife has savings for claim-free, good driver, defensive driver, multi-policy, good student, and accident-free.
- Mercury Insurance may offer discounts for professional/association, annual mileage, age of vehicle, accident-free, ease of repair, type of vehicle, and multi-policy.
- Nationwide discounts include defensive driving, family plan, anti-theft, easy pay, multi-policy, and accident-free.
- GEICO policyholders can earn discounts including federal employee, anti-lock brakes, multi-vehicle, seat belt use, and anti-theft.
- AAA offers discounts for AAA membership discount, good student, pay-in-full, multi-policy, good driver, and anti-theft.
If you need lower rates, check with every prospective company to give you their best rates. Some discounts listed above may not apply everywhere. If you would like to view companies with discount auto insurance rates in Santa Ana, click here to view.
Five factors that affect insurance premiums
Multiple criteria are taken into consideration when premium rates are determined. Most are fairly basic like your driving record, but some are not as apparent such as your credit history or your vehicle rating.
The following are most of the major factors used by companies to determine premiums.
- Rate your vehicle for proper use - The more miles you rack up on your Dodge in a year's time the more you'll pay to insure your vehicle. Most companies apply a rate determined by how the vehicle is used. Vehicles that have low annual miles receive better premium rates than vehicles that have high annual mileage. It's a good idea to make sure your vehicle rating shows the correct driver usage, because it can save money. Having the wrong rating on your Avenger is throwing money out the window.
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Better drivers pay better rates - Being a careful driver has a lot to do with how much you pay for insurance. Drivers with clean records receive lower rates as compared to careless drivers. Even one moving violation could increase your next policy renewal forty percent or more. Drivers who get severe violations such as reckless driving or DUI might be required by their state to prove financial responsibility with their state DMV in order to prevent a license revocation.
The diagram below highlights how traffic violations and at-fault collisions can increase Dodge Avenger auto insurance rates for each different age group. The prices are based on a married female driver, full coverage, $500 deductibles, and no discounts are applied.
- Eliminate unneeded incidental coverages - There are many extra bells and whistles that you can get tricked into buying but may not be useful. Coverages like rental car reimbursement, towing coverage, and term life insurance are examples of these. These may sound like a good investment initially, but if you've never needed them in the past get rid of them and save.
- Liability coverage - A critical coverage on your policy, liability insurance kicks in when you are determined to be liable for damages caused by your negligence. Your policy's liability insurance provides legal defense which can be incredibly expensive. Liability insurance is quite affordable compared to comp and collision, so do not skimp.
- How many coverages with the same company - Many insurers will give better rates to clients who carry more than one policy such as combining an auto and homeowners policy. The amount of the discounts can be ten percent or more. Even with this discount, consumers should still get quotes from other companies to confirm you are receiving the best rates possible.
Insurance is available from local agents
Some consumers would prefer to talk to a local agent and doing so can bring peace of mind The best thing about getting free rate quotes online is you can get cheap insurance rates and still buy from a local agent.
By using this simple form, your information gets sent to agents in your area that can give you free Santa Ana auto insurance quotes for your business. It's much easier because you don't need to find an agent on your own as quotes are delivered immediately to your email address. You can find lower rates without having to waste a lot of time. In the event you want to compare prices for a specific company, just find their quoting web page and complete a quote there.
Selecting an company should depend on more than just a cheap quote. These are some questions your agent should answer.
- Which members of your family are coverage by the policy?
- Which insurance company do they prefer to write with?
- Is their price quote a firm figure or are their hidden costs?
- If your car is totaled, how to they determine the replacement cost?
- Will the agent help in case of a claim?
- If they are an independent agency in Santa Ana, which companies do they recommend?
If you would like to find a local Santa Ana insurance agency, it's important to understand the different agency structures and how they operate. Agents are classified as either exclusive agents or independent agents.
Exclusive Insurance Agents
Agents that elect to be exclusive can only provide one company's prices such as Farmers Insurance, American Family, State Farm and Allstate. Exclusive agents cannot provide prices from multiple companies so always compare other rates. They are very knowledgeable on their company's products which helps them sell on service rather than price. Consumers often purchase coverage from exclusives partially due to the brand name rather than having the cheapest rates.
The following is a list of exclusive agents in Santa Ana willing to provide comparison quotes.
- Peggy Bates - State Farm® Insurance Agent
2723 N Bristol St #1 - Santa Ana, CA 92706 - (714) 543-0422 - View Map - Allstate Insurance: Jorge Bendeck
3929 S Bristol St Ste 201 - Santa Ana, CA 92704 - (714) 832-3900 - View Map - State Farm Insurance: Luis Olmedo
600 S Grand Ave #101 - Santa Ana, CA 92705 - (714) 486-3441 - View Map
Independent Agencies or Brokers
Agents in the independent channel are not required to write business for one company and that enables them to quote your coverage with a variety of different insurance companies and possibly get better coverage at lower prices. To move your coverage to a new company, they simply move the coverage in-house which requires no work on your part. When comparison shopping, you absolutely need to include rate quotes from multiple independent agents to get the most accurate price comparison. Most independent agents also contract with mutual insurance companies which can be an advantage.
Below are independent insurance agents in Santa Ana that can give you price quote information.
- Santa Ana Insurance
1331 W 1st St #101 - Santa Ana, CA 92703 - (714) 953-9341 - View Map - First American Property and Casualty Insurance Group
4 First American Way - Santa Ana, CA 92701 - (714) 560-7850 - View Map - Insurance Partners Inc
2107 N Broadway #108 - Santa Ana, CA 92706 - (714) 285-4800 - View Map
Which auto insurance company is best in Santa Ana?
Selecting the right company can be rather challenging considering how many different companies insure vehicles in California. The company rank data in the lists below could help you decide which providers you want to consider comparing rates with.
Top 10 Santa Ana Car Insurance Companies Ranked by Customer Satisfaction
- Titan Insurance - 95%
- USAA - 94%
- AAA of Southern California - 92%
- AAA Insurance - 91%
- Nationwide - 90%
- State Farm - 90%
- The Hartford - 89%
- GEICO - 89%
- The General - 88%
- 21st Century - 88%
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
Compare. Compare. Compare.
You just learned many ideas to compare Dodge Avenger insurance car insurance rates in Santa Ana. The key concept to understand is the more companies you get premium rates for, the higher the chance of saving money. Consumers could even find that the biggest savings come from a small local company.
When trying to cut insurance costs, make sure you don't buy lower coverage limits just to save a few bucks. There are many occasions where drivers have reduced physical damage coverage only to regret at claim time that the few dollars in savings costed them thousands. Your goal is to find the BEST coverage at a price you can afford, but don't skip important coverages to save money.
Some insurance providers may not have the ability to get quotes online and these smaller providers only sell coverage through local independent agencies. Affordable Dodge Avenger insurance in Santa Ana is possible on the web as well as from independent agents in Santa Ana, and you should compare price quotes from both to get a complete price analysis.
Steps to finding cheaper Dodge Avenger insurance in Santa Ana
If you want to save money, the best way to find lower priced auto insurance rates is to compare quotes annually from providers in Santa Ana. You can compare prices by following these guidelines.
- Gain an understanding of what is in your policy and the changes you can make to keep rates in check. Many rating factors that result in higher prices such as distracted driving and an unacceptable credit score can be amended by making small lifestyle or driving habit changes.
- Obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only quote rates from one company like GEICO or State Farm, while independent agencies can provide rate quotes from multiple companies. Click to view companies
- Compare the new rates to your existing rates and see if you can save money. If you find a lower rate, ensure there is no coverage lapse between policies.
- Provide adequate notice to your current company to cancel the current policy. Submit the signed application along with the required initial payment to your new company or agent. Be sure to store the proof of insurance certificate in your vehicle's glove compartment or console.
An essential thing to point out is to compare similar deductibles and liability limits on each quote request and and to get quotes from as many auto insurance providers as possible. This enables an apples-to-apples comparison and a complete rate analysis.
More information is available at the links below
- Your Car has been Stolen: Now What? (Allstate)
- Who Has Affordable Santa Ana Car Insurance Rates for Real Estate Agents? (FAQ)
- How Much is Car Insurance for a Chevrolet Silverado in Santa Ana? (FAQ)
- Shopping for a Safe Car (Insurance Information Institute)
- State Laws for Cellphones and Texting (iihs.org)