Cheap Kia Borrego Insurance in Santa Ana

If you want to save money, the best way to find affordable car insurance rates in Santa Ana is to start comparing rates regularly from insurance carriers that insure vehicles in California. Price quotes can be compared by following these guidelines.

First, it will benefit you to learn about individual coverages and the things you can control to keep rates in check. Many policy risk factors that are responsible for high rates such as traffic citations and bad credit can be rectified by making minor changes to your lifestyle.

Second, compare rates from direct, independent, and exclusive agents. Exclusive and direct companies can only give rate quotes from a single company like GEICO or Farmers Insurance, while independent agencies can quote prices for a wide range of companies. Select a company

Third, compare the price quotes to your existing coverage to determine if switching companies saves money. If you find a better price, make sure the effective date of the new policy is the same as the expiration date of the old one.

Fourth, notify your agent or company of your intention to cancel your current car insurance policy and submit payment and a completed application for the new coverage. Don't forget to keep the new certificate verifying coverage in your glove compartment.

An essential thing to point out is that you use identical coverage information on each quote and and to compare as many carriers as you can. Doing this enables a fair price comparison and maximum price selection.

It's an obvious assumption that auto insurance companies don't want you comparing rates. People who shop around for the cheapest rate are highly likely to buy a different policy because there is a high probability of finding a policy with more affordable rates. Remarkably, a study showed that consumers who compared prices regularly saved over $72 a month compared to those who never shopped for cheaper rates.

If finding discount rates on Kia Borrego insurance in Santa Ana is your ultimate objective, then having a good understanding the best ways to shop for cheaper coverage can make the process more efficient.

The providers in the list below are ready to provide comparison quotes in California. If several companies are displayed, we recommend you get prices from several of them in order to find the cheapest rates.

Discounts can help save money on Kia Borrego insurance in Santa Ana

Car insurance companies don't always publicize the entire discount list very clearly, so below is a list a few of the more common and the harder-to-find discounts that you can inquire about if you buy Santa Ana auto insurance online.

• More Vehicles More Savings - Buying coverage for primary and secondary vehicles on one policy can get a discount for every vehicle.
• Driver's Education for Students - Reduce the cost of insurance for teen drivers by having them complete a driver education course as it will make them better drivers and lower rates.
• Discount for Life Insurance - Insurance carriers who offer life insurance give lower auto insurance rates if you buy life insurance from them.
• Auto/Home Discount - If you insure your home and vehicles with the same company you could get a discount of over 10 percent off each policy depending on the company.
• 55 and Retired - Drivers over the age of 55 may qualify for a discount up to 10%.
• Accident-Free Discounts - Claim-free drivers are rewarded with significantly better rates on Santa Ana auto insurance quote in comparison with frequent claim filers.
• Defensive Driving Course - Taking a course in driver safety could cut 5% off your bill if your company offers it.
• Resident Student - Any of your kids who are enrolled in a college that is more than 100 miles from Santa Ana and don't have a car may qualify for this discount.
• Low Miles Discount - Low annual miles can earn cheaper rates.
• Cautious Drivers - Drivers who don't get into accidents can save as much as half off their rates compared to rates paid by drivers with frequent claims.

A little note about advertised discounts, most of the big mark downs will not be given to the entire policy premium. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. Just because you may think adding up those discounts means a free policy, companies wouldn't make money that way.

Some of the larger companies that may offer quotes with most of the discounts above possibly include:

• Farm Bureau
• State Farm
• Progressive
• Allstate
• Nationwide
• MetLife

Check with every prospective company which discounts you may be entitled to. Some of the discounts discussed earlier might not apply everywhere. To see insurance companies that offer multiple discounts in Santa Ana, follow this link.

Neighborhood insurance agents

Many drivers still prefer to talk to a local agent and that is a personal choice. Good agents can help you choose the best coverages and will help you if you have claims. One of the great benefits of comparing insurance prices online is the fact that drivers can get lower car insurance rates and also buy local. And supporting local agencies is still important in Santa Ana.

To make it easy to find an agent, after completing this short form, the coverage information is submitted to local insurance agents in Santa Ana that provide free Santa Ana auto insurance quotes and help you find cheaper coverage. It's much easier because you don't need to search for any insurance agencies as quotes are delivered immediately to your email address. If you wish to compare prices from a particular provider, you just need to navigate to their website and fill out the quote form the provide.

If you prefer to buy insurance from a reliable agent, there are two types of agencies and how they can service your needs differently. Agencies in Santa Ana can be categorized as either exclusive agents or independent agents. Either can write policy coverage, but it's worth mentioning the subtle differences because it can impact the type of agent you choose.

Independent Insurance Agents (or Brokers)

These agents are not restricted to one company so they can write business with an assortment of companies and find you the best rates. To transfer your coverage to a different company, your policy is moved internally and the insured can keep the same agent.

When comparison shopping, we highly recommend that you compare prices from several independent insurance agents in order to compare the most rates.

Below are Santa Ana independent agencies who can help you get price quotes.

View more Santa Ana agents

Exclusive Insurance Agencies

These type of agents can only provide pricing for a single company like State Farm, Allstate, or Farmers Insurance. Exclusive agents are unable to provide other company's prices so you need to shop around if the rates are high. Exclusive insurance agents are well schooled on sales techniques which helps them compete with independent agents.

Shown below is a short list of exclusive insurance agents in Santa Ana that are able to give price quote information.

View more Santa Ana agents

Finding a good insurance agency should depend on more than just a cheap quote. Here are some questions you might want to ask.

• Is the agent and/or agency licensed to do business in California?
• Is insurance their full-time profession?
• If you are a high risk driver, do they have special markets for your coverage?
• Do they regularly work with personal auto policies in Santa Ana?
• Are aftermarket or OEM parts used to repair vehicles?
• Are claims handled at the agent's location?
• How often do they review coverages?

You Can Change Your Insurance Premiums

Many different elements are used in the calculation when you get a price on insurance. Some factors are common sense such as your driving record, but some are not as apparent like your vehicle usage and annual miles driven.

Youthful driver insurance prices - Youthful drivers in California are known to be easily distracted when at the wheel of a vehicle so insurance rates are higher. Older drivers are viewed as being more responsible, statistically cause fewer accidents, and receive fewer citations.

Liability protection risk factors - Your insurance policy's liability coverage will provide protection in the event that you are ruled to be at fault for damages from an accident. Liability provides legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so drivers should buy more than the minimum limits required by law.

Tough occupation may mean higher rates - Careers such as doctors, executives, and emergency personnel usually pay higher premium rates attributed to stressful work requirements and lots of time spent at work. Conversely, occupations like professors, historians and the unemployed generally pay rates lower than average.

Your address can push rates up or down - Living in less populated areas of the country can save you money when shopping for auto insurance. Drivers who live in large cities have to deal with congested traffic and longer commute times. Fewer drivers and short commutes translates into fewer accident claims in addition to fewer liability claims.

Save by driving vehicles with better crash test results - Cars with high safety ratings are cheaper to insure. Safe vehicles reduce injuries and any reduction in injury severity translates directly to fewer claims which can result in lower premiums. If your Kia has at least four stars on Safercar.gov or an "acceptable" rating on iihs.org it is probably cheaper to insure.

Married drivers pay less - Walking down the aisle actually saves money when shopping for insurance. Marriage may mean you are more financially stable and it's statistically proven that married drivers get in fewer accidents.

Save money with theft deterrents - Choosing to buy a car with a theft deterrent system can help lower your rates. Anti-theft features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help prevent vehicle theft.

Car insurance is not optional

Even though it can be expensive, insurance may be required and benefits you in several ways.

First, almost all states have minimum liability requirements which means you are required to carry a specific level of liability 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.

Second, if your vehicle has a lienholder, it's guaranteed your bank will require that you have comprehensive coverage to ensure they get paid if you total the vehicle. If you let the policy lapse, the lender may have to buy a policy to insure your Kia at a much higher rate and force you to reimburse them a much higher amount than you were paying before.

Third, insurance protects not only your Kia but also your assets. It also can pay for most medical and hospital costs 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 you are sued as the result of an accident. If mother nature or an accident damages your car, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage.

The benefits of buying car insurance greatly outweigh the cost, particularly for liability claims. In a recent study of 1,000 drivers, the average customer is overpaying over $855 a year so you should quote rates each time the policy renews to ensure rates are inline.

Don't give up on affordable rates

When shopping online for auto insurance, do not buy lower coverage limits just to save a few bucks. Too many times, someone sacrificed liability coverage limits and found out when filing a claim they didn't have enough coverage. The goal is to find the BEST coverage at the best cost while still protecting your assets.

Throughout this article, we presented many ways to find cheap Kia Borrego insurance in Santa Ana. It's most important to understand that the more you quote Santa Ana auto insurance, the better likelihood of getting the cheapest Kia Borrego rate quotes. Consumers may even find the biggest savings come from some of the lesser-known companies. These companies often have lower car insurance rates on specific markets compared to the large companies like Allstate and Progressive.

Much more information about auto insurance in California is located on the following sites:

• Insurance Losses by Make and Model (iihs.org)
• How Much is Santa Ana Auto Insurance for Good Students? (FAQ)
• Shopping for a Safe Car (Insurance Information Institute)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Institute)
• Auto Insurance Facts and Statistics (Insurance Information Institute)
• Vehicle Safety Ratings (iihs.org)