Shockingly, a large majority of consumers renewed their policy with the same company for over three years, and approximately 38% of consumers have never even compared quotes to find cheap rates. Many consumers in California could cut their rates by roughly 35% a year by just shopping around, but they don't invest the time required to save money by comparing rate quotes.
If you want to save money, the best way to get the cheapest auto insurance rates is to compare prices regularly from insurers in Santa Ana. Rates can be compared by completing these steps.
- Read and learn about how car insurance works and the measures you can take to lower rates. Many factors that cause high rates such as speeding tickets, careless driving and an unfavorable credit rating can be remedied by being financially responsible and driving safely. Continue reading for ideas to help reduce prices and find available discounts that you may qualify for.
- Obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can provide rates from a single company like GEICO and State Farm, while agents who are independent can quote rates for a wide range of companies.
- Compare the new rates to the premium of your current policy to determine if switching companies saves money. If you can save some money and make a switch, make sure there is no coverage gap between policies.
- Provide notification to your current agent or company of your intent to cancel your current car insurance policy and submit the completed application along with a down payment for the new coverage. As soon as you can, store the proof of insurance paperwork along with your vehicle registration.
An important note is that you use identical limits and deductibles on every quote and and to get price estimates from as many companies as feasibly possible. Doing this helps ensure a fair rate comparison and a thorough price selection.
If you have a current auto insurance policy or want to find a cheaper company, use these techniques to reduce the price you pay and still have adequate protection. Buying affordable auto insurance in Santa Ana is much easier if you have a good place to start. Comparison shoppers just need to understand the most efficient way to compare rates using one simple form.
Lowering your auto insurance rates doesn't have to be difficult. Just spend a little time getting comparison quotes from online providers.
Getting free price quotes online is quite simple, and it makes it a waste of time to physically go to different agent offices. The fact that you can get quotes online has reduced the need for local agents unless your situation requires the professional abilities of a licensed agent. Drivers can price shop online and get advice from an agent in your area.
The companies shown below offer price quotes in California. If multiple companies are listed, we suggest you visit two to three different companies to get a more complete price comparison.
Three reasons car insurance is important
Despite the high cost, car insurance is required by state law in California and it also provides benefits you may not be aware of.
- The majority of states have compulsory liability insurance requirements which means you are required to buy specific limits 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 you have a lien on your LS 460, more than likely the lender will force you to have physical damage coverage to guarantee their interest in the vehicle. If you do not pay your insurance premiums, the lender will be forced to insure your Lexus at an extremely high rate and force you to pay for it.
- Insurance protects both your vehicle and your personal assets. It will also cover medical bills for you, your passengers, and anyone else injured in an accident. Liability coverage also pays for attorney fees and expenses if you cause an accident and are sued. If you have damage to your Lexus as the result of the weather or an accident, comprehensive and collision coverage will pay all costs to repair after the deductible has been paid.
The benefits of insuring your car more than cancel out the cost, especially with large liability claims. Today the average American driver is overpaying more than $865 each year so compare rates at every renewal to ensure rates are inline.
Statistics and details
The premium table shown below showcases estimates of coverage prices for Lexus LS 460 models. Being able to understand how auto insurance prices are calculated can help guide drivers when making smart choices when selecting a coverage provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| LS 460 4-Dr Sedan | $274 | $608 | $424 | $26 | $128 | $1,460 | $122 |
| LS 460 4-Dr Sedan | $274 | $608 | $424 | $26 | $128 | $1,460 | $122 |
| LS 460 AWD 4-Dr | $274 | $608 | $424 | $26 | $128 | $1,460 | $122 |
| LS 460 L 4-Dr Sedan | $274 | $608 | $424 | $26 | $128 | $1,460 | $122 |
| LS 460 L AWD 4-Dr | $274 | $608 | $424 | $26 | $128 | $1,460 | $122 |
| Get Your Own Custom Quote Go | |||||||
Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Premium amounts do not factor in the specific area where the vehicle is garaged which can impact coverage prices considerably.
Policy deductible comparison
One common question asked by Santa Ana drivers is how high should the physical damage coverage deductibles be. The comparison tables below may aid in understanding the differences in premium rates of buying low and high physical damage coverage deductibles. The first rate comparisons uses a $100 deductible for comprehensive and collision coverage and the second rate table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| LS 460 4-Dr Sedan | $576 | $1176 | $376 | $22 | $112 | $2,287 | $191 |
| LS 460 4-Dr Sedan | $576 | $1176 | $376 | $22 | $112 | $2,287 | $191 |
| LS 460 AWD 4-Dr | $576 | $1176 | $376 | $22 | $112 | $2,287 | $191 |
| LS 460 L 4-Dr Sedan | $576 | $1176 | $376 | $22 | $112 | $2,287 | $191 |
| LS 460 L AWD 4-Dr | $576 | $1176 | $376 | $22 | $112 | $2,287 | $191 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| LS 460 4-Dr Sedan | $420 | $794 | $376 | $22 | $112 | $1,724 | $144 |
| LS 460 4-Dr Sedan | $420 | $794 | $376 | $22 | $112 | $1,724 | $144 |
| LS 460 AWD 4-Dr | $420 | $794 | $376 | $22 | $112 | $1,724 | $144 |
| LS 460 L 4-Dr Sedan | $420 | $794 | $376 | $22 | $112 | $1,724 | $144 |
| LS 460 L AWD 4-Dr | $420 | $794 | $376 | $22 | $112 | $1,724 | $144 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Price estimates do not factor in zip code location which can impact premiums substantially.
We can estimate from the data above that using a $100 deductible will cost you about $47 more each month or $564 every year than buying the higher $500 deductible. Since the policyholder would be required to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you average at a minimum 9 months between claims, you would most likely save money by selecting a higher deductible.
The information below shows how choosing a deductible and can influence Lexus LS 460 insurance prices for each different age group. The premiums assume a single female driver, full physical damage coverage, and no discounts are applied to the premium.
Get cheaper Lexus LS 460 insurance in Santa Ana with discounts
Companies offering auto insurance don't necessarily list their entire list of discounts very well, so the list below gives a summary of a few of the more common in addition to some of the lesser obvious discounts that you can inquire about if you buy Santa Ana car insurance online.
- Payment Discounts - If you pay your entire premium ahead of time as opposed to paying monthly you could save up to 5%.
- ABS and Traction Control Discounts - Vehicles that have steering control and anti-lock brakes have fewer accidents so companies give up to a 10% discount.
- Professional Organizations - Being in a civic or occupational organization in Santa Ana could trigger savings on your next car insurance statement.
- Discount for Swiching Early - A few car insurance companies give discounts for switching to them prior to your current LS 460 insurance policy expiration. Ten percent is about the average savings.
- E-sign Discounts - A few larger companies may give you up to $50 for signing up on their website.
- Multi-line Discount - Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase life insurance.
- Good Student Discount - Getting good grades can be rewarded with saving of up to 25%. You can use this discount normally up to age 25.
- Active Service Discounts - Being on active deployment in the military could qualify you for better prices.
One thing to note about discounts is that many deductions do not apply to the entire cost. Most cut specific coverage prices like liability and collision coverage. Just because you may think all those discounts means the company will pay you, companies wouldn't make money that way.
The example below shows the difference between Lexus LS 460 car insurance costs with and without discounts applied. The rate quotes are based on a female driver, no tickets, no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, safe-driver, homeowner, multi-car, and marriage discounts applied.
A list of companies and a selection of discounts are:
- Farm Bureau has savings for multi-vehicle, renewal discount, youthful driver, multi-policy, safe driver, and 55 and retired.
- State Farm offers discounts for accident-free, safe vehicle, student away at school, driver's education, and good driver.
- Progressive has discounts for online quote discount, multi-policy, good student, multi-vehicle, and continuous coverage.
- Allstate policyholders can earn discounts including 55 and retired, utility vehicle, premier discount, defensive driver, auto/life discount, and good student.
- Nationwide may include discounts for family plan, accident-free, business or organization, defensive driving, and multi-policy.
- MetLife discounts include defensive driver, accident-free, good driver, good student, claim-free, and multi-policy.
If you need the cheapest Lexus LS 460 rate quotes, ask every company which discounts you qualify for. Some credits may not apply to policies in Santa Ana. To locate insurers that offer many of these discounts in Santa Ana, click here to view.
Shop online but buy locally
Some consumers would prefer to buy from a local agent and doing that can be a smart decision Good insurance agents can help you build your policy and help file insurance claims. An additional benefit of comparing rates online is that drivers can save money and get cheaper premium rates but also keep your business local. And supporting neighborhood insurance agencies is definitely important in Santa Ana.
To find an agent, once you fill out this form (opens in new window), your insurance data is submitted to participating agents in Santa Ana who can give free rate quotes for your business. There is no reason to search for any insurance agencies due to the fact that quote results will go immediately to you. If you have a need to get a rate quote from a specific insurance company, you just need to go to their quote page and submit a quote form there.
Exclusive and independent Santa Ana auto insurance agents
When researching local Santa Ana agents, you must know there are a couple different types of agencies that differ in how they can insure your vehicles. Insurance agents in Santa Ana can be described as either independent or exclusive. Both types of agents can write policy coverage, but it's a good idea to understand the difference between them because it may have an impact on the kind of agent you use.
Independent Agents (or Brokers)
Agents of this type do not have single company limitations so they have the ability to put coverage with lots of companies and help determine which has the cheapest rates. If your agent finds better pricing, your policy is moved internally and you don't have to do anything.
When searching for an agent, we recommend you compare quotes from several independent insurance agents in order to have the best price comparison.
Shown below are Santa Ana independent insurance agents that may be able to give pricing information.
Roberti's Insurance Agency
2128 N Tustin Ave #B - Santa Ana, CA 92705 - (714) 543-2788 - View Map
Neighborhood Insurance Agency
1333 E First St - Santa Ana, CA 92701 - (714) 285-9990 - View Map
Ammar Insurance Agency
726 S Main St - Santa Ana, CA 92701 - (714) 547-2400 - View Map
Exclusive Agents
These type of agents can only place business with one company such as Allstate, Farmers Insurance, State Farm, and AAA. Exclusive agencies are unable to provide other company's prices so keep that in mind. Exclusive insurance agents are trained well in insurance sales and that allows them to sell at a higher price point.
The following are exclusive agents in Santa Ana who can help you get price quotes.
Farmers Insurance - Jose Garrido
705 W 17th St, Ste B-2 - Santa Ana, CA 92706 - (714) 558-4814 - View Map
Kelly Davis - State Farm Insurance Agent
2677 N Main St #150 - Santa Ana, CA 92705 - (714) 647-6303 - View Map
Allstate Insurance: Octavio R E Pina
1926 S Main St - Santa Ana, CA 92707 - (714) 444-3022 - View Map
Deciding on an insurance agent requires you to look at more than just the bottom line cost. The questions below may impact your decision as well.
- Do they have a Better Business Bureau rating in Santa Ana?
- Do they offer rental car reimbursement?
- Can they provide you with a list of referrals?
- Will they make sure you get an adequate claim settlement?
- How are claims handled?
- Are there any extra charges for paying monthly?
- Can you use your own choice of collision repair facility?
- Will the agent or a CSR service your policy?
Once you have good responses to all your questions as well as the cheapest Lexus LS 460 insurance in Santa Ana quotes, you have narrowed it down to a car insurance agent that will properly insure your vehicles.
A little work can save a LOT of money
When you buy Santa Ana car insurance online, you should never skimp on critical coverages to save a buck or two. Too many times, someone dropped physical damage coverage only to regret at claim time they didn't have enough coverage. Your objective should be to find the BEST coverage at a price you can afford, but do not skimp to save money.
Budget-conscious Lexus LS 460 insurance can be bought both online and from local agencies, so you should compare both to get a complete price analysis. Some car insurance companies do not offer the ability to get a quote online and many times these smaller companies only sell through independent agencies.
Additional detailed information is available at these sites:
- Smart Auto Insurance Tips (Insurance Information Institute)
- Who Has the Cheapest Auto Insurance for a Kia Forte in Santa Ana? (FAQ)
- Collision Insurance Coverage (Nationwide)
- Can I Drive Legally without Insurance? (Insurance Information Institute)
- Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)