Truthfully, the best way to find the cheapest price for Toyota Camry insurance in Santa Ana is to regularly compare prices from insurance carriers who can sell car insurance in California. Drivers can shop around by completing these steps.
First, take a few minutes and learn about how companies price auto insurance and the steps you can take to lower rates. Many factors that cause rate increases like speeding tickets, accidents and a negative credit rating can be eliminated by making minor driving habit or lifestyle changes.
Second, obtain price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can provide rates from a single company like Progressive or Farmers Insurance, while independent agencies can provide prices for a wide range of companies.
Third, compare the new rate quotes to your current policy and determine if there is any savings. If you find a lower rate and change companies, ensure there is no coverage lapse between policies.
Fourth, provide notification to your current company of your intention to cancel your current policy and submit a down payment along with a signed application to your new carrier. As soon as you receive it, keep the new certificate verifying coverage with your vehicle's registration.
One important bit of advice is to try to use similar limits and deductibles on each price quote and and to get rates from all possible companies. This guarantees an apples-to-apples comparison and maximum price selection.
Remarkably, a study showed that most auto insurance policyholders in California have been with the same company for at least four years, and nearly half have never even shopped around for affordable coverage. American drivers can save roughly $859 each year by just comparing quotes, but they just don't want to shop around.
If you already have coverage or are looking for a new policy, follow these tips to reduce the price you pay and possibly find even better coverage. These tips will teach you the best way to buy inexpensive car insurance. Drivers just need to understand how to compare different rates instantly.
The companies in the list below can provide price comparisons in California. If multiple providers are shown, we recommend you compare several of them to get the cheapest price.
Detailed insurance information
The information shown below highlights different policy rates for Toyota Camry models. Learning a little about how insurance prices are determined can benefit drivers when making decisions on the best policy to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Camry LE | $326 | $672 | $464 | $28 | $138 | $1,628 | $136 |
| Camry SE | $326 | $792 | $464 | $28 | $138 | $1,748 | $146 |
| Camry XLE | $326 | $792 | $464 | $28 | $138 | $1,748 | $146 |
| Camry Hybrid | $370 | $792 | $524 | $32 | $156 | $1,874 | $156 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Rates do not factor in your specific Santa Ana location which can influence coverage rates significantly.
Auto insurance deductibles
A question often asked by Santa Ana drivers is which deductible level should you buy. The rates below can help you visualize the rate fluctuation when you buy lower versus higher coverage deductibles. The first set of rates uses a $100 physical damage deductible and the second set of prices uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Camry LE | $380 | $686 | $442 | $26 | $132 | $1,691 | $141 |
| Camry SE | $380 | $810 | $442 | $26 | $132 | $1,815 | $151 |
| Camry XLE | $380 | $810 | $442 | $26 | $132 | $1,815 | $151 |
| Camry Hybrid | $430 | $810 | $500 | $30 | $150 | $1,945 | $162 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Camry LE | $210 | $362 | $442 | $26 | $132 | $1,172 | $98 |
| Camry SE | $210 | $426 | $442 | $26 | $132 | $1,236 | $103 |
| Camry XLE | $210 | $426 | $442 | $26 | $132 | $1,236 | $103 |
| Camry Hybrid | $238 | $426 | $500 | $30 | $150 | $1,344 | $112 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Prices do not factor in Santa Ana location which can revise rates considerably.
We can estimate from the data above that using a $100 deductible will cost you roughly $47 more each month or $564 each year averaged for all Camry models than opting for the higher $1,000 deductible. Due to the fact that you would have to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you normally go more than 19 months between claims, you would probably save some money by selecting a higher deductible.
Insurance rate increases from tickets or accidents
The information below demonstrates how citations and fender-benders can increase Toyota Camry insurance premiums for each age group. The prices are based on a single female driver, full coverage, $500 deductibles, and no discounts are applied.
Car insurance is not optional
Even though Santa Ana Camry insurance rates can get expensive, car insurance is required for several reasons.
- Just about all states have minimum liability requirements which means the state requires a minimum amount of liability 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.
- If your Toyota has a lienholder, it's most likely the lender will have a requirement that you have full coverage to guarantee their interest in the vehicle. If you default on your policy, the lender may insure your Toyota at an extremely high rate and require you to fork over for the much more expensive policy.
- Car insurance protects both your assets and your Toyota. It will also cover medical bills for you, any passengers, and anyone injured in an accident. Liability insurance will also pay attorney fees in the event you are sued. If damage is caused by hail or an accident, comprehensive and/or collision insurance will pay to repair the damage.
The benefits of insuring your car are definitely more than the cost, particularly for liability claims. The average driver in America is currently overpaying as much as $850 per year so compare rate quotes once a year at a minimum to help ensure money is not being wasted.
Do you qualify for discounts on Toyota Camry insurance in Santa Ana?
Some providers don't always publicize all their discounts very clearly, so the following list contains a few of the more well known and the harder-to-find discounts that you may qualify for.
- Claim Free - Insureds with no claims or accidents have much lower rates when compared with bad drivers.
- Multi-policy Discount - If you combine your auto and home policies with the same company they may give you a discount of over 10 percent off each policy depending on the company.
- Low Mileage - Low mileage vehicles may enable drivers to earn slightly better prices than normal.
- Active Service Discounts - Being deployed in the military could trigger a small discount.
- Distant College Student Discount - Older children who live away from home at college and don't have a car may be able to be covered for less.
A little note about advertised discounts, most discounts do not apply to the whole policy. Most only reduce the cost of specific coverages such as medical payments or collision. Just because you may think having all the discounts means you get insurance for free, companies wouldn't make money that way.
The chart below shows the difference between Toyota Camry car insurance rates with and without some available policy discounts. The rate quotes are based on a female driver, no violations or claims, California state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, homeowner, multi-car, claim-free, and safe-driver discounts applied.
Car insurance companies that may offer quotes with these money-saving discounts include:
When getting free Santa Ana auto insurance quotes, it's a good idea to every company which credits you are entitled to. All car insurance discounts may not apply in every state. To locate insurance companies that have a full spectrum of discounts in Santa Ana, follow this link.
Everyone needs different insurance coverages
When it comes to choosing coverage online or from an agent for your personal vehicles, there is no cookie cutter policy. Everyone's situation is unique and a cookie cutter policy won't apply.
For instance, these questions can aid in determining if you might need professional guidance.
- Am I covered when driving a rental car?
- Will I be non-renewed for getting a DUI or other conviction?
- Do I have coverage when making deliveries for my home business?
- Do I need medical payments coverage since I have good health insurance?
- What happens if I owe more than my Toyota Camry is worth?
- When should I not file a claim?
- Does my Toyota Camry qualify for pleasure use?
- Do I have ACV or replacement cost coverage?
If it's difficult to answer those questions but a few of them apply, you might consider talking to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It's fast, free and can provide invaluable advice.
Independent versus exclusive insurance agencies
Many drivers just want to sit down with an agent. Professional insurance agents will help you protect your assets and help submit paperwork. The best thing about comparing rate quotes online is you can get cheap rate quotes and still buy from a local agent.
To help locate an agent, after submitting this form (opens in new window), the coverage information gets sent to companies in Santa Ana who will give you quotes for your insurance coverage. It simplifies rate comparisons since you won't have to leave your computer since price quotes are sent to the email address you provide. If you have a need to quote rates from a specific insurance company, just navigate to their website and fill out the quote form the provide.
Deciding on an insurer requires you to look at more than just a cheap price. Any agent in Santa Ana should be forthright in answering these questions:
- What are the financial ratings for the companies they represent?
- Will you work with the agent or an assistant?
- Are all drivers listed on the coverage quote?
- Do you need full coverage on every vehicle?
- Are they primarily personal or commercial lines agents in Santa Ana?
Choose an insurance agent wisely
If you want to buy car insurance from a reputable agency, it's helpful to know the different agency structures from which to choose. Agencies in Santa Ana are either independent (non-exclusive) or exclusive. Either one can write policy coverage, but we need to point out why they differ because it can influence your agent selection.
Exclusive Car Insurance Agents
Exclusive agents can only provide one company's prices such as Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agents cannot compare rates from other companies so they are skilled at selling on more than just price. Exclusive agencies are very knowledgeable on their company's products and that can be a competitive advantage. Some consumers prefer to use the same exclusive agent mostly because of the brand name and solid financial strength.
Below is a short list of exclusive insurance agents in Santa Ana who may provide you with price quotes.
- 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 - David Reyes - State Farm Insurance Agent
1077 W 17th St b - Santa Ana, CA 92706 - (714) 285-0155 - View Map
Independent Car Insurance Agencies
Independent agencies do not have single company limitations and that is an advantage because they can write policies through many different car insurance companies and find the cheapest car insurance rates. If they find a lower price, they simply switch companies in-house which is easy for the insured.
If you are comparing rate quotes, you will definitely want to contact several independent insurance agents in order to compare the most rates. Most also have access to small regional insurance companies which could offer lower prices.
The following is a short list of independent agents in Santa Ana who can help you get price quote information.
- Ayala's Insurance
2020 N Grand Ave #107 - Santa Ana, CA 92705 - (714) 210-5770 - View Map - Palmer Insurance and Income Tax
631 N Main St - Santa Ana, CA 92701 - (714) 835-0840 - View Map - Adriana's Insurance Services
2302 S Bristol St A - Santa Ana, CA 92704 - (714) 352-3777 - View Map
After talking to the agent and getting answers to your satisfaction to your questions and an affordable coverage quote, you may have found an insurance agent that is professional and can properly insure your vehicles.
What insurance coverages do you need?
Having a good grasp of your policy can help you determine which coverages you need for your vehicles. Insurance terms can be impossible to understand and reading a policy is terribly boring. Shown next are the usual coverages found on most insurance policies.
Medical expense coverage - Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as doctor visits, pain medications, ambulance fees and hospital visits. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible
Uninsured or underinsured coverage - This protects you and your vehicle when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle's occupants and also any damage incurred to your Toyota Camry.
Since a lot of drivers carry very low liability coverage limits (15/30/5 in California), it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.
Comprehensive protection - Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for claims like vandalism, rock chips in glass, theft and a broken windshield. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.
Collision - This covers damage to your Camry resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision insurance covers claims such as sideswiping another vehicle, sustaining damage from a pot hole, rolling your car, hitting a parking meter and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also choose a higher deductible on your Camry to save money on collision insurance.
Auto liability - Liability coverage protects you from damage that occurs to a person or their property. This insurance protects YOU from claims by other people. Liability doesn't cover your injuries or vehicle damage.
Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 15/30/5 that means you have a $15,000 limit per person for injuries, $30,000 for the entire accident, and $5,000 of coverage for damaged property.
Liability coverage pays for claims like legal defense fees, repair bills for other people's vehicles, emergency aid and court costs. How much coverage you buy is up to you, but it's cheap coverage so purchase as much as you can afford. California state minimum liability requirements are 15/30/5 but drivers should carry more liability than the minimum.
The illustration below shows why buying low liability limits may not provide you with enough coverage.
California auto insurance companies
Choosing a highly-rated car insurance company is hard considering how many different insurance companies sell coverage in California. The ranking data in the next section could help you pick which auto insurers you want to consider comparing rate quotes with.
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
Top 10 Santa Ana Car Insurance Companies Ranked by Claims Service
- AAA of Southern California
- State Farm
- Esurance
- AAA Insurance
- Progressive
- Liberty Mutual
- GEICO
- Allstate
- Titan Insurance
- The Hartford
Quote often and quote early
When you buy Santa Ana auto insurance online, never sacrifice coverage to reduce premiums. Too many times, an insured dropped uninsured motorist or liability limits and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy the best coverage you can find for the lowest price but still have enough coverage for asset protection.
You just read quite a bit of information on how to save on Toyota Camry insurance in Santa Ana. It's most important to understand that the more companies you get premium rates for, the higher the chance of saving money. Consumers may even find the lowest car insurance rates come from a lesser-known regional company. Smaller companies often have lower premium rates on specific markets than their larger competitors like Allstate or State Farm.
More tips and info about insurance is located in the articles below:
- Reducing Your Risks in a Car Crash Video (iihs.org)
- Who Has the Cheapest Auto Insurance for Felons in Santa Ana? (FAQ)
- Who Has Cheap Auto Insurance for Unemployed Drivers in Santa Ana? (FAQ)
- Who Has the Cheapest Car Insurance Rates for Drivers with a DUI in Santa Ana? (FAQ)
- How Much is Auto Insurance for a 20 Year Old Female in Santa Ana? (FAQ)
- Who Has Cheap Car Insurance Rates for Drivers Over Age 60 in Santa Ana? (FAQ)
- Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)
- Winter Driving (Insurance Information Institute)