Having to pay for overpriced auto insurance in Santa Ana can overdraw your budget and put the squeeze on your family's finances. Comparing rate quotes is a smart way to reduce premiums and put more money in your pocket.
Everyone knows that insurance companies don't want you to look for a cheaper policy. Consumers who compare other rates will, in all likelihood, move their business because there is a high probability of finding a policy with more affordable rates. A recent survey revealed that drivers who routinely compared rates saved approximately $3,500 over four years compared to people who never shopped around for cheaper prices.
If finding the lowest price on car insurance in Santa Ana is why you're reading this, then learning about how to quote and compare coverages can save time and money.
How to save money on Kia Amanti insurance in Santa Ana
If you want to save money, the best way to get budget car insurance rates in Santa Ana is to regularly compare quotes from companies who provide auto insurance in California. This can be done by completing these steps.
First, take a little time to learn about what is in your policy and the measures you can take to lower rates. Many factors that cause high rates such as traffic tickets, fender benders, and a not-so-good credit rating can be eliminated by making small lifestyle or driving habit changes. This article gives more details to help keep prices low and find overlooked discounts.
Second, compare rates from direct, independent, and exclusive agents. Direct and exclusive agents can only give prices from a single company like GEICO or Farmers Insurance, while independent agents can provide price quotes for a wide range of insurance providers.
Third, compare the new rate quotes to the price on your current policy to see if you can save by switching companies. If you can save money, ensure there is no coverage lapse between policies.
One key aspect when comparing rates is to make sure you enter the same amount of coverage on each quote and and to get prices from as many companies as you can. Doing this ensures an apples-to-apples comparison and a better comparison of the market.
Since you have so many different company options, it's difficult to choose the right company.
Consumers need to do price comparisons on a regular basis because auto insurance prices go up and down regularly. If you had the best deal on Kia Amanti insurance in Santa Ana a couple years back you will most likely find a better rate quote today. Forget anything you know (or think you know) about auto insurance because it's time to teach you the fastest way to save on auto insurance.
Finding the cheapest insurance coverage in Santa Ana is quite easy. Essentially anyone who shops around for insurance should be able to find better rates. But California car owners must know how insurance companies sell insurance online and use this information to your advantage.
The cheapest Santa Ana Kia Amanti insurance quotes
When shopping for cheaper Santa Ana auto insurance quotes, there are a couple of ways to compare rate quotes from local Santa Ana insurance companies. The recommended way to compare insurance prices is to jump online and get quotes.
Getting free price quotes online is quite simple, and it makes it obsolete to drive to and from local Santa Ana insurance agencies. Comparing Kia Amanti insurance rates online has reduced the need for local agents unless you want the professional assistance that only an agent can give. Although, it is possible comparison shop your insurance online but buy from a local insurance agent.
When comparing insurance rates, know that obtaining a wide range of quotes will increase your chances of finding a lower rate.
The following companies can provide quotes in California. If the list has multiple companies, we recommend you visit several of them in order to find the cheapest rates.
Informed Decisions Result in Lower Insurance Premiums
An important part of buying insurance is that you know the rating factors that aid in calculating the price you pay for auto insurance. If you understand what influences your rates, this empowers consumers to make smart changes that will entitle you to lower premium levels.
Teenagers are high risk - Older drivers tend to be more responsible, are lower risk to insure, and usually have better credit. Inexperience drivers are statistically shown to be more careless when driving with friends so they pay higher auto insurance rates.
Choose high safety ratings and save - Cars with five star safety ratings can get you lower premiums. Safer cars protect occupants better and fewer serious injuries translates into savings for insurance companies and lower rates for you. If your Kia is rated at a minimum an "acceptable" rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
Accidents hurt - Even a single ticket can boost insurance rates substantially. Drivers who don't get tickets tend to pay less for car insurance than their less careful counterparts. Drivers with careless violations like hit and run, DWI or reckless driving convictions may find they need to file a proof of financial responsibility form (SR-22) with their state's licensing department in order to prevent their license from being revoked.
Performance affects rates - The performance level of the car you are trying to find cheaper insurance for makes a huge difference in your premium level. Lower performance four cylinder passenger cars usually are quite affordable to insure, but many other things help determine your insurance rates.
Poor credit history equals high rates - Having a good credit score can be an important factor in calculating your premium rate. People with very good credit scores tend to be better drivers and file fewer claims than drivers with worse credit. If your credit score is low, you could potentially save money when insuring your Kia Amanti by taking the time to improve your credit score.
Insurance rates in urban areas - Being located in areas with lower population is a positive aspect when shopping for auto insurance. Fewer drivers and short commutes translates into fewer accident claims and also fewer theft and vandalism claims. Residents of big cities regularly have more road rage incidents and more severe claims. Higher commute times statistically corresponds to a higher accident and claim rate.
Car and home together may be cheaper - Some companies will award a discount to insureds that have more than one policy, otherwise known as a multi-policy discount. The discount can be ten or even fifteen percent. Even if you already get this discount, it's still a good idea to check prices from other companies to verify if the discount is saving money. Consumers may find a better deal by buying auto insurance from a different company.
Males pay higher rates - The statistics show women are more cautious behind the wheel. The data does not necessarily mean that men are WORSE drivers than women. Females and males are in at-fault accidents in similar numbers, but the males tend to have more serious accidents. Not only are claims higher, but men have more aggressive citations like reckless driving and DUI. Male drivers age 16 to 19 are most likely to cause an accident so it costs more to insure them.
Car insurance is not optional in California
Even though it can be expensive, insurance may be required and benefits you in several ways.
- Most states have minimum mandated liability insurance limits which means you are required to buy specific minimum amounts of liability protection in order to drive the car legally. 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 bought your Kia with a loan, it's guaranteed your bank will force you to have insurance to guarantee loan repayment. If you default on your policy, the lender may have to buy a policy to insure your Kia at an extremely high rate and force you to reimburse them the higher price.
- Car insurance preserves both your Kia and your personal assets. It also can pay for all forms of medical expenses for you, any passengers, and anyone injured in an accident. Liability insurance, one of your policy coverages, will also pay for a defense attorney if anyone sues you for causing an accident. If your Kia gets damaged, comprehensive and/or collision insurance will pay to repair the damage minus the deductible amount.
The benefits of carrying adequate insurance are without a doubt worth the cost, especially with large liability claims. An average driver in America is currently overpaying as much as $865 each year so compare rates at every renewal to ensure rates are inline.
Santa Ana auto insurance companies
Selecting the highest-rated insurer is hard considering how many companies are available to choose from in Santa Ana. The company information listed below could help you select which providers you want to consider shopping your coverage 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