Anyone knows that insurance companies don't want you to look for cheaper rates. Drivers who do rate comparisons are very likely to switch companies because the odds are good of finding a more affordable policy. Remarkably, a study showed that people who routinely compared rates saved over $865 annually compared to those who never shopped around for better prices.
If saving the most money on Porsche 911 insurance in Santa Ana is the reason for your visit, then having some knowledge of the best way to quote and compare insurance can help simplify the process.
The preferred way to get cheaper auto insurance rates is to make a habit of comparing prices annually from providers that insure vehicles in Santa Ana. Prices can be compared by completing these steps.
- Step 1: Gain an understanding of policy coverages and the measures you can take to prevent high rates. Many factors that are responsible for high rates like high-risk driving behaviors and a less-than-favorable credit history can be improved by making minor driving habit or lifestyle changes.
- Step 2: Compare prices from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can give quotes from a single company like GEICO or State Farm, while independent agencies can quote rates for a wide range of companies.
- Step 3: Compare the quotes to the price on your current policy and see if you can save money. If you find a lower rate quote and change companies, make sure coverage is continuous and does not lapse.
- Step 4: Provide notification to your current agent or company of your decision to cancel your existing policy. Submit payment along with a signed and completed policy application to the new insurer. Don't forget to store the proof of insurance certificate in your vehicle's glove compartment or console.
The critical component of shopping around is to use similar coverage information on each price quote and and to get price estimates from as many companies as feasibly possible. Doing this enables the most accurate price comparison and many rates to choose from.
Reducing your insurance rates can be surprisingly simple. You just have to take the time comparing rates to see which company has inexpensive Santa Ana car insurance quotes.
It's so easy to compare rates online that it makes it a waste of time to drive to insurance agents' offices. Comparing online rate quotes has made agencies unnecessary unless you prefer the professional abilities that can only be provided by a licensed insurance agent. You can, however, comparison shop online and still use a local agent.
The providers in the list below can provide free rate quotes in Santa Ana, CA. If several companies are displayed, we recommend you compare several of them to get the most competitive price.
Auto insurance quotes and discounts
Some providers don't always advertise all their discounts in a way that's easy to find, so the list below contains both well-publicized and the harder-to-find ways to save on auto insurance.
- Good Drivers - Insureds who avoid accidents can get discounts for up to 45% lower rates as compared to drivers with claims.
- Multi-car Discount - Purchasing coverage when you have multiple cars or trucks with the same auto insurance company can reduce the rates for all insured vehicles.
- Driving Data Discount - People who choose to allow data collection to monitor driving manner by using a telematic data system such as State Farm's In-Drive might see lower rates if they show good driving skills.
- Lower Rates for Military - Having a family member in the military could qualify you for better auto insurance rates.
- College Student - College-age children who live away from home at college and do not take a car to college can be insured at a reduced rate.
- Save with a New Car - Adding a new car to your policy is cheaper because newer models have to meet stringent safety requirements.
- Claim-Free Discount - Good drivers with no accidents are rewarded with significantly better rates on Santa Ana car insurance quote as compared to frequent claim filers.
- Pay Now and Pay Less - If paying your policy premium upfront rather than spreading payments over time you can avoid monthly service charges.
- Life Insurance - Companies who offer life insurance give a discount if you purchase life insurance.
Please keep in mind that some credits don't apply to your bottom line cost. A few only apply to the cost of specific coverages such as liability and collision coverage. Even though the math looks like you can get free auto insurance, that's just not realistic.
The information below visualizes the comparison of Porsche 911 insurance prices with and without discounts being applied to the rates. The data assumes a female driver, no claims, a clean driving record, California state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, safe-driver, marriage, multi-policy, and homeowner discounts applied.
Companies that have these money-saving discounts include:
When getting free Santa Ana car insurance quotes, it's a good idea to each company or agent which discounts you qualify for. Some of the discounts discussed earlier may not be offered in every state. If you would like to choose from a list of insurers with the best discounts in California, click here to view.
Insurance coverage details
The rate information displayed below outlines detailed analysis of insurance prices for Porsche 911 models. Having a better idea how policy rates are formulated can aid in making decisions on which coverage to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 911 Carrera 2 2-Dr Coupe | $274 | $670 | $500 | $30 | $150 | $1,624 | $135 |
| 911 Carrera 4 2-Dr Coupe | $298 | $670 | $500 | $30 | $150 | $1,648 | $137 |
| 911 Carrera 2 Cabriolet 2-Dr Convertible | $298 | $670 | $424 | $26 | $128 | $1,546 | $129 |
| 911 Carrera 2 S 2-Dr Coupe | $298 | $670 | $500 | $30 | $150 | $1,648 | $137 |
| 911 Carrera 4 Cabriolet 2-Dr Convertible | $298 | $670 | $424 | $26 | $128 | $1,546 | $129 |
| 911 Carrera 4S 2-Dr Coupe | $298 | $734 | $500 | $30 | $150 | $1,712 | $143 |
| 911 Carrera Targa 2-Dr Coupe | $298 | $734 | $500 | $30 | $150 | $1,712 | $143 |
| 911 Carrera 2 S 2-Dr Convertible | $298 | $734 | $424 | $26 | $128 | $1,610 | $134 |
| 911 Carrera 4S Cabriolet 2-Dr Convertible | $322 | $670 | $424 | $26 | $128 | $1,570 | $131 |
| 911 Carrera Targa S 2-Dr Coupe | $322 | $734 | $500 | $30 | $150 | $1,736 | $145 |
| 911 GT3 2-Dr Coupe | $322 | $798 | $500 | $30 | $150 | $1,800 | $150 |
| 911 GT3 RS 2-Dr Coupe | $368 | $860 | $500 | $30 | $150 | $1,908 | $159 |
| 911 Turbo 2-Dr Coupe | $368 | $860 | $500 | $30 | $150 | $1,908 | $159 |
| 911 Turbo 2-Dr Convertible | $368 | $924 | $424 | $26 | $128 | $1,870 | $156 |
| Get Your Own Custom Quote Go | |||||||
Prices based on single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Rate information does not factor in garaging location in Santa Ana which can raise or lower rates considerably.
Physical damage deductibles
The hardest decision when buying coverage is how high should the deductibles for physical damage be. The rates below show the cost difference between low and high policy deductibles. The first pricing table uses a $250 deductible for comp and collision and the second pricing table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 911 Carrera 2 2-Dr Coupe | $518 | $1088 | $442 | $26 | $132 | $2,231 | $186 |
| 911 Carrera 4 2-Dr Coupe | $562 | $1088 | $442 | $26 | $132 | $2,275 | $190 |
| 911 Carrera 2 Cabriolet 2-Dr Convertible | $562 | $1088 | $376 | $22 | $112 | $2,185 | $182 |
| 911 Carrera 2 S 2-Dr Coupe | $562 | $1088 | $442 | $26 | $132 | $2,275 | $190 |
| 911 Carrera 4 Cabriolet 2-Dr Convertible | $562 | $1088 | $376 | $22 | $112 | $2,185 | $182 |
| 911 Carrera 4S 2-Dr Coupe | $562 | $1190 | $442 | $26 | $132 | $2,377 | $198 |
| 911 Carrera Targa 2-Dr Coupe | $562 | $1190 | $442 | $26 | $132 | $2,377 | $198 |
| 911 Carrera 2 S 2-Dr Convertible | $562 | $1190 | $376 | $22 | $112 | $2,287 | $191 |
| 911 Carrera 4S Cabriolet 2-Dr Convertible | $606 | $1088 | $376 | $22 | $112 | $2,229 | $186 |
| 911 Carrera Targa S 2-Dr Coupe | $606 | $1190 | $442 | $26 | $132 | $2,421 | $202 |
| 911 GT3 2-Dr Coupe | $606 | $1294 | $442 | $26 | $132 | $2,525 | $210 |
| 911 GT3 RS 2-Dr Coupe | $692 | $1396 | $442 | $26 | $132 | $2,713 | $226 |
| 911 Turbo 2-Dr Coupe | $692 | $1396 | $442 | $26 | $132 | $2,713 | $226 |
| 911 Turbo 2-Dr Convertible | $692 | $1498 | $376 | $22 | $112 | $2,725 | $227 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 911 Carrera 2 2-Dr Coupe | $420 | $878 | $442 | $26 | $132 | $1,898 | $158 |
| 911 Carrera 4 2-Dr Coupe | $456 | $878 | $442 | $26 | $132 | $1,934 | $161 |
| 911 Carrera 2 Cabriolet 2-Dr Convertible | $456 | $878 | $376 | $22 | $112 | $1,844 | $154 |
| 911 Carrera 2 S 2-Dr Coupe | $456 | $878 | $442 | $26 | $132 | $1,934 | $161 |
| 911 Carrera 4 Cabriolet 2-Dr Convertible | $456 | $878 | $376 | $22 | $112 | $1,844 | $154 |
| 911 Carrera 4S 2-Dr Coupe | $456 | $960 | $442 | $26 | $132 | $2,016 | $168 |
| 911 Carrera Targa 2-Dr Coupe | $456 | $960 | $442 | $26 | $132 | $2,016 | $168 |
| 911 Carrera 2 S 2-Dr Convertible | $456 | $960 | $376 | $22 | $112 | $1,926 | $161 |
| 911 Carrera 4S Cabriolet 2-Dr Convertible | $492 | $878 | $376 | $22 | $112 | $1,880 | $157 |
| 911 Carrera Targa S 2-Dr Coupe | $492 | $960 | $442 | $26 | $132 | $2,052 | $171 |
| 911 GT3 2-Dr Coupe | $492 | $1042 | $442 | $26 | $132 | $2,134 | $178 |
| 911 GT3 RS 2-Dr Coupe | $564 | $1126 | $442 | $26 | $132 | $2,290 | $191 |
| 911 Turbo 2-Dr Coupe | $564 | $1126 | $442 | $26 | $132 | $2,290 | $191 |
| 911 Turbo 2-Dr Convertible | $564 | $1208 | $376 | $22 | $112 | $2,282 | $190 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Price information does not factor in specific garaging location which can decrease or increase premiums noticeably.
Based on this data, using a $250 deductible will cost in the ballpark of $31 more each month or $372 for a full year than requesting the higher $500 deductible. Due to the fact that you would have to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you have at least 8 months between claim filings, you would save more money by going with a higher deductible.
Should you buy full coverage?
The example below shows the difference between Porsche 911 annual premium costs with and without physical damage coverage. Data assumes no claims or driving citations, $500 deductibles, single marital status, and no discounts are factored in.
Should you be buying full coverage?
There is no clear-cut formula of when to phase out full coverage on your policy, but there is a general guideline you can use. If the annual cost of your full coverage insurance is 10% or more of the replacement cost of your vehicle minus the policy deductible, then it might be time to consider dropping full coverage.
For example, let's assume your Porsche 911 settlement value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $6,000 after you pay the deductible. If you are paying in excess of $600 a year to have full coverage, then it's probably a good time to buy liability coverage only.
There are some scenarios where buying only liability insurance is not in your best interest. If you still owe money on your vehicle, you have to carry full coverage as part of the loan conditions. Also, if you can't afford to buy a different vehicle in the event your current vehicle is totaled, you should not remove full coverage.
Santa Ana Insurance Costs are Influenced by These Factors
Many factors are part of the calculation when you get a price on insurance. Most are fairly basic like an MVR report, but other factors are less apparent like your vehicle usage and annual miles driven. It's important that you understand the factors that aid in calculating your auto insurance rates. When you know what positively or negatively influences your rates, this enables informed choices that will entitle you to much lower annual insurance costs.
Companies want multiple policies - Some insurance companies provide a discount for people who have multiple policies with them such as combining an auto and homeowners policy. This can amount to ten percent or more. Even if you're getting this discount you still need to comparison shop to help ensure you have the lowest rates. It's possible to still save money by splitting coverages up.
Get hitched and pay less - Getting married may cut your premiums when buying auto insurance. Marriage means you're more responsible and it's statistically proven that married drivers get in fewer accidents.
Mature drivers pay less - Older people are proven to be safer behind the wheel, are lower risk to insure, and receive fewer citations. Young drivers are statistically shown to get distracted easily with other occupants in the car so auto insurance rates are higher.
The chart below uses these assumptions: single driver, full coverage with $250 deductibles, and no discounts or violations.
An active insurance claims history can cost you - Auto insurance companies in California provide lower rates to policyholders who file claims infrequently. If you are the type of insured that files lots of claims you can expect higher premiums or even policy non-renewal. Your car insurance is intended to be relied upon for major claims that would cause financial hardship.
Loss probability for a Porsche 911 - Insurance companies factor in historical loss data to calculate a rate that will offset losses. Models that the data shows to have increased claim numbers or amounts will have a higher cost to insure. The data below shows the historical loss data for Porsche 911 vehicles.
For each insurance policy coverage type, the loss probability for all vehicles, without regard to make or model, is a value of 100. Numbers below 100 indicate better than average losses, while values over 100 indicate more frequent losses or statistically larger claims.
| Vehicle Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Porsche 911 Carrera 2dr | 191 | 47 | 173 | 24 | ||
| Porsche 911 Carrera Convertible | 197 | 51 | 224 | 36 | ||
| Porsche 911 Turbo 2dr 4WD | 349 | 367 |
Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Comparing quotes from local Santa Ana insurance agencies
Some consumers still like to sit down with an agent and doing that can be a smart decision Good insurance agents are highly skilled in risk management and give you someone to call. One of the great benefits of getting online price quotes is that you can obtain cheaper premium rates but still work with a licensed agent.
Upon completion of this short form, your information is instantly submitted to local insurance agents who will give you quotes and help you find cheaper coverage. It's much easier because you don't need to contact any agents because prices are sent to your email. If for some reason you want to get a price quote for a specific company, you would need to visit that company's website and submit a quote form there.
Finding the right insurer requires more thought than just a cheap quote. Agents should be asked these questions:
- Does the agent have professional designations like CIC, CPCU or AIC?
- Do they offer accident forgiveness?
- Which company do they place the most coverage with?
- Do they regularly work with personal auto policies in Santa Ana?
- Can they give you a list of client referrals?
- Who is covered by the car insurance policy?
- Where would glass claims be handled in Santa Ana?
When narrowing the list to find a reliable insurance agent, it's helpful to know the types of agencies and how they function. Insurance agencies in Santa Ana are categorized either independent agents or exclusive agents. Both types can do a good job, but it's good to learn how they differ because it can factor into which agent you choose.
Exclusive Agencies
Agents that elect to be exclusive have only one company to place business with and examples are American Family, State Farm, and AAA. They usually cannot place coverage with different providers so it's a take it or leave it situation. Exclusive insurance agents are usually quite knowledgeable on their company's products which helps them sell on service rather than price.
Shown below is a short list of exclusive insurance agents in Santa Ana who may provide you with price quote information.
Farmers Insurance - Rosa Evaristo
2901 W Warner Ave - Santa Ana, CA 92704 - (714) 966-1461 - View Map
Farmers Insurance: Sandy Hocking-Cline
1801 Park Ct Pl - Santa Ana, CA 92701 - (714) 973-9100 - View Map
Allstate Insurance: Ramon Valerio
117 S Harbor Blvd - Santa Ana, CA 92704 - (714) 775-5423 - View Map
Independent Agents
Independent insurance agents are not locked into one company and that allows them to write policies through many companies and get the cheapest rates. If they quote lower rates, your agent can switch companies and you don't have to find a new agent. If you need lower rates, it's a good idea to compare prices from several independent agencies to have the most options to choose from.
The following is a list of independent agencies in Santa Ana who can help you get price quote information.
Quality Plus Insurance Agency
1450 N Tustin Ave # 221 - Santa Ana, CA 92705 - (714) 245-1200 - View Map
SureCo Insurance Agency
201 Sandpointe Ave Suite 600 - Santa Ana, CA 92707 - (866) 845-9815 - View Map
Sureguard Insurance Agency Inc
555 Park Center Dr #118 - Santa Ana, CA 92705 - (714) 464-8010 - View Map
Ratings for California auto insurance companies
Picking the highest-rated car insurance company can be challenging considering how many different insurance companies sell coverage in Santa Ana. The rank data displayed below could help you select which auto insurers you want to consider purchasing coverage from.
Top 10 Santa Ana Car Insurance Companies Ranked by Customer Service
- AAA of Southern California
- GEICO
- State Farm
- The Hartford
- Mercury Insurance
- The General
- Progressive
- Allstate
- AAA Insurance
- American Family
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%
What is YOUR best insurance company?
The cheapest Porsche 911 insurance in Santa Ana is available from both online companies as well as from independent agents in Santa Ana, so you should be comparing quotes from both to have the best selection. A few companies may not have online quoting and most of the time these regional carriers sell through independent insurance agencies.
In this article, we presented many tips how you can compare Porsche 911 insurance premium rates in Santa Ana. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even find the lowest premium rates come from a company that doesn't do a lot of advertising. These companies may cover specific market segments cheaper than the large multi-state companies such as Allstate or State Farm.
To learn more, take a look at these articles:
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)
- What Auto Insurance is Cheapest for a Chevrolet Equinox in Santa Ana? (FAQ)
- Who Has Affordable Santa Ana Car Insurance Rates for a GMC Acadia? (FAQ)
- How Much is Santa Ana Auto Insurance for Drivers Over Age 70? (FAQ)
- Distracted Driving (Insurance Information Institute)
- Vehicle Insurance (Wikipedia)