A study showed that a large majority of insurance policyholders renewed their policy with the same company for at least four years, and almost half have never shopped around. Most drivers in California can save hundreds of dollars each year just by getting comparison quotes, but most tend to underestimate how much they could save if they bought a different policy.
The preferred way to find the cheapest price for auto insurance rates is to compare quotes annually from insurance carriers who sell auto insurance in Santa Ana. You can compare prices by following these guidelines.
First, it will benefit you to learn about policy coverages and the things you can change to keep rates down. Many rating factors that cause high rates like speeding tickets, careless driving and poor credit history can be controlled by making small lifestyle or driving habit changes.
Second, request price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only provide price estimates from one company like GEICO and Allstate, while independent agencies can give you price quotes for a wide range of companies. Find a Santa Ana insurance agent
Third, compare the new quotes to your existing coverage to see if you can save by switching companies. If you can save money, ensure coverage does not lapse between policies.
Fourth, provide notification to your current agent or company of your intent to cancel your current car insurance policy. Submit payment along with a signed and completed policy application for your new policy. Once received, keep your new certificate verifying coverage in an easily accessible location in your vehicle.
One key aspect of rate comparisons is that you'll want to compare similar limits and deductibles on every quote request and and to look at as many auto insurance providers as possible. This helps ensure an accurate price comparison and a thorough price selection.
Buying the cheapest insurance in Santa Ana can be much easier if you know how to start. If you have a policy now, you will most likely be able to lower your rates using the tips covered below. Although California vehicle owners need to learn the way companies charge you for coverage and use it to find better rates.
The quickest way to get policy rate comparisons for Kia Sorento insurance in Santa Ana is to understand all the major auto insurance companies allow for online access to compare their rates. To begin a comparison, all you need to do is give the companies some data like any included safety features, marital status, how much you drive, and level of coverage desired. That rating information is submitted instantly to many highly-rated insurers and they respond with quotes instantly.
To get price quotes for your Kia Sorento now, click here and see if a lower rate is available in Santa Ana.
The companies shown below are our best choices to provide comparison quotes in California. If several companies are displayed, we recommend you compare several of them to find the lowest car insurance rates.
Car insurance discounts help lower rates for Kia Sorento insurance in Santa Ana
Car insurance companies don't list all available discounts very clearly, so we took the time to find a few of the more well known as well as some of the hidden car insurance savings.
- Discounts for Cautious Drivers - Drivers without accidents could pay up to 40% less than drivers with accidents.
- Low Mileage Discounts - Low mileage vehicles could be rewarded with cheaper rates.
- Driver's Education for Students - It's a good idea to have your young drivers complete a driver education course in school.
- Senior Citizens - If you qualify as a senior citizen, you can get lower premium rates.
- Seat Belts Save - Requiring all passengers to use their safety belts may be able to save a few bucks off the PIP or medical payment premium.
Keep in mind that most of the big mark downs will not be given to the overall cost of the policy. Most cut the cost of specific coverages such as comp or med pay. So when it seems like you would end up receiving a 100% discount, it's just not the way it works.
Large car insurance companies and their offered discounts are included below.
- Progressive has savings for online signing, online quote discount, multi-vehicle, multi-policy, homeowner, continuous coverage, and good student.
- Farmers Insurance may have discounts that include homeowner, distant student, business and professional, alternative fuel, and multi-car.
- Farm Bureau may include discounts for good student, renewal discount, multi-vehicle, multi-policy, youthful driver, safe driver, and 55 and retired.
- State Farm has discounts for good driver, defensive driving training, multiple policy, safe vehicle, good student, and accident-free.
- GEICO discounts include federal employee, good student, daytime running lights, five-year accident-free, and emergency military deployment.
- SAFECO may offer discounts for accident prevention training, safe driver, anti-lock brakes, teen safety rewards, multi-car, and teen safe driver.
- Liberty Mutual offers premium reductions for newly married, teen driver discount, multi-policy, good student, newly retired, new vehicle discount, and hybrid vehicle.
Before purchasing a policy, check with every prospective company which discounts can lower your rates. All car insurance discounts might not apply in your state. If you would like to see a list of providers who offer online Kia Sorento insurance quotes in California, click here.
Why do I need car insurance?
Despite the high cost of buying insurance for a Kia Sorento in Santa Ana, maintaining insurance is mandatory in California but it also protects more than you think.
First, almost all states have mandatory insurance requirements which means you are required to buy specific limits of liability protection in order to drive the car. 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.
Second, if you have a lien on your Kia Sorento, it's guaranteed your bank will require you to carry insurance to protect their interest in the vehicle. If you do not keep the policy in force, the lender may have to buy a policy to insure your Kia at a significantly higher premium and require you to pay for the much more expensive policy.
Third, car insurance protects your car and your assets. It also can pay for hospital and medical expenses for both you and anyone you injure as the result of an accident. As part of your policy, liability insurance will also pay for a defense attorney in the event you are sued. If mother nature or an accident damages your car, collision and comprehensive coverages will pay to have it repaired.
The benefits of having insurance more than offset the price you pay, particularly when you have a large claim. According to a survey of 1,000 drivers, the average driver is overpaying more than $825 a year so compare rate quotes at every policy renewal to save money.
Do I need an agent?
Some people just prefer to visit with an insurance agent and doing that can be a smart decision The best thing about comparing insurance prices online is that drivers can save money and get the best rates and still choose a local agent.
Upon completion of this quick form, the coverage information is instantly submitted to participating agents in Santa Ana that provide free Santa Ana auto insurance quotes for your insurance coverage. There is no reason to contact an agency as quotes are delivered straight to your inbox. You can most likely find cheaper rates without the usual hassles of price shopping. If you want to quote rates from a specific car insurance provider, don't hesitate to search and find their rate quote page and give them your coverage information.
Deciding on an company needs to be determined by more than just a cheap quote. These are valid questions to ask:
- Is the agent and/or agency licensed to do business in California?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Is there a 24/7 contact number?
- Which company do they place the most coverage with?
- Will the agent or a CSR service your policy?
Listed below are agents in Santa Ana willing to provide comparison quotes for Kia Sorento insurance in Santa Ana.
- Palmer Insurance and Income Tax
631 N Main St - Santa Ana, CA 92701 - (714) 835-0840 - View Map - State Farm Insurance: Luis Olmedo
600 S Grand Ave #101 - Santa Ana, CA 92705 - (714) 486-3441 - View Map - Auto Express Insurance Agency
202 S Grand Ave - Santa Ana, CA 92701 - (800) 400-3038 - View Map - ZIBARA INSURANCE AGENCY, INC.
1700 E Garry Ave #206 - Santa Ana, CA 92705 - (949) 660-8800 - View Map