The easiest way to save money on Land Rover LR4 insurance in Santa Ana is to regularly compare quotes from different companies who provide car insurance in California. Rate comparisons can be done by following these guidelines.
Step 1: Read and learn about policy coverages and the measures you can take to lower rates. Many factors that cause high rates like accidents, careless driving, and an unfavorable credit rating can be remedied by improving your driving habits or financial responsibility.
Step 2: Obtain price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only provide price estimates from one company like GEICO and State Farm, while independent agencies can provide rate quotes from many different companies.
Step 3: Compare the price quotes to your existing coverage to determine if you can save on LR4 insurance in Santa Ana. If you find a lower rate and change companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
The key thing to remember is to make sure you enter similar coverage information on every quote and and to get rate quotes from as many different insurance providers as possible. Doing this ensures a fair price comparison and a complete rate analysis.
It's hard to believe, but almost 70% of insureds in California have stayed with the same insurance company for well over three years, and roughly 40% of drivers have never quoted rates to find cheap coverage. With the average premium in the United States being $1,847, drivers can cut their rates by almost 46.5% a year, but most tend to underestimate the amount of money they would save if they swap their current policy for a cheaper one.
These discounts can lower your car insurance rates
Car insurance can cost a lot, but you might be missing out on some discounts that could help you make your next renewal payment. Many discounts should be triggered when you purchase, but occasionally some discounts must be specially asked for before you get the savings. If you are not receiving all the discounts you qualify for, you could be saving more on your car insurance.
- Full Payment Discount - By making one initial payment instead of making monthly payments you could save up to 5%.
- Air Bag Discount - Factory options such as air bags could see savings up to 30%.
- Student Discount for Driver Training - Reduce the cost of insurance for teen drivers by having them enroll in driver's education if offered at their school.
- Paper-free Discount - Many insurance companies will give you a small discount for buying your policy digitally online.
- Discounts for Multiple Vehicles - Buying a policy with several vehicles on one policy can get a discount for every vehicle.
- Policy Bundle Discount - When you have multiple policies with the same company you could get a discount of as much as 10 to 15 percent.
- Early Switch Discount - Some larger companies give discounts for switching policies before your current expiration date. It's a savings of about 10%.
- Anti-theft Discount - Cars optioned with advanced anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
- Use Seat Belts - Using a seat belt and requiring all passengers to use their safety belts may be able to save a few bucks on medical payment and PIP coverage.
- Clubs and Organizations - Participating in certain professional organizations could earn you a nice discount on car insurance.
You can save money using discounts, but most of the big mark downs will not be given to the entire policy premium. Some only apply to the price of certain insurance coverages like collision or personal injury protection. Despite the appearance that you would end up receiving a 100% discount, it doesn't quite work that way.
The diagram below visualizes the comparison of Land Rover LR4 auto insurance costs with and without discounts applied. The rates are based on a male driver, no tickets, no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, homeowner, multi-car, claim-free, and multi-policy discounts applied.
A few popular companies and some of the discounts are included below.
- GEICO offers discounts for air bags, membership and employees, seat belt use, emergency military deployment, and anti-lock brakes.
- Travelers may have discounts that include hybrid/electric vehicle, multi-car, new car, early quote, home ownership, and student away at school.
- Farm Bureau has discounts for driver training, good student, renewal discount, safe driver, youthful driver, 55 and retired, and multi-vehicle.
- Liberty Mutual offers premium reductions for new vehicle discount, safety features, teen driver discount, multi-car, and new graduate.
- American Family offers discounts including good student, mySafetyValet, multi-vehicle, early bird, bundled insurance, air bags, and good driver.
- Progressive may include discounts for good student, online signing, multi-policy, homeowner, and multi-vehicle.
Before buying, ask every insurance company which discounts they offer. Some of the discounts discussed earlier may not be available everywhere. To see a list of car insurance companies that have a full spectrum of discounts in California, click here to view.
The easiest way to compare insurance rates in your area is to know the trick auto insurance companies pay for the opportunity to give free rates quotes. All you need to do is provide details including the make and model of your vehicles, the ages of drivers, an estimate of your credit level, and if it has an anti-theft system. Your information is instantly provided to multiple companies and you get price estimates very quickly.
To start a quote now, click here and see if a lower rate is available in Santa Ana.
The companies in the list below are our best choices to provide price comparisons in Santa Ana, CA. If multiple companies are shown, we suggest you visit several of them to get the lowest price.
Insurance coverage details
The coverage information displayed below showcases a range of insurance rates for Land Rover LR4 models. Being aware of how insurance prices are formulated can be of help when making decisions on which coverage to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| LR4 | $292 | $490 | $442 | $26 | $132 | $1,382 | $115 |
| LR4 HSE | $292 | $490 | $442 | $26 | $132 | $1,382 | $115 |
| LR4 HSE Plus | $292 | $556 | $442 | $26 | $132 | $1,448 | $121 |
| LR4 LUX | $320 | $556 | $442 | $26 | $132 | $1,476 | $123 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Premium costs do not factor in specific zip code location which can change coverage rates noticeably.
Can higher deductibles save money?
One common question asked by Santa Ana drivers is where should you set your physical damage deductibles. The following insurance rates highlight the price difference between high and low insurance deductibles. The first data set uses a $100 deductible for physical damage and the second price grid uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| LR4 | $528 | $932 | $442 | $26 | $132 | $2,085 | $174 |
| LR4 HSE | $528 | $932 | $442 | $26 | $132 | $2,085 | $174 |
| LR4 HSE Plus | $528 | $1054 | $442 | $26 | $132 | $2,207 | $184 |
| LR4 LUX | $576 | $1054 | $442 | $26 | $132 | $2,255 | $188 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| LR4 | $384 | $630 | $442 | $26 | $132 | $1,614 | $135 |
| LR4 HSE | $384 | $630 | $442 | $26 | $132 | $1,614 | $135 |
| LR4 HSE Plus | $384 | $712 | $442 | $26 | $132 | $1,696 | $141 |
| LR4 LUX | $420 | $712 | $442 | $26 | $132 | $1,732 | $144 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Rates do not factor in specific location which can decrease or increase price quotes considerably.
Based on these figures, using a $100 deductible costs about $41 more each month or $492 every year across all Land Rover LR4 models than quoting the higher $500 deductible. Since you would pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you normally average at a minimum 10 months between claims, you would most likely save money if you opt for a higher deductible.
Careless driving habits raise auto insurance rates
The information below shows how traffic citations and at-fault accidents impact Land Rover LR4 insurance costs for different age groups of insureds. The data is based on a married male driver, full coverage, $1,000 deductibles, and no additional discounts are factored in.
Compare rate quotes but buy from a local neighborhood Santa Ana car insurance agent
A small number of people still like to buy from a licensed agent and that can be a great decision A good thing about comparing rates online is you can get cheap insurance rates and still choose a local agent. And buying from neighborhood agents is definitely important in Santa Ana.
For easy comparison, once you complete this quick form, your coverage information is immediately sent to agents in your area that can give you free Santa Ana auto insurance quotes for your business. It simplifies rate comparisons since you won't have to even leave your home due to the fact that quote results will go to you. You can most likely find cheaper rates and an insurance agent to talk to. If you wish to compare rates from a particular provider, you would need to visit that company's website and fill out their quote form.
When narrowing the list to find a reputable insurance agent or broker, it helps to know the two different agency structures and how they operate. Agencies in Santa Ana can be categorized as either independent agents or exclusive agents depending on their employer.
Independent Insurance Agencies or Brokers
Agents that elect to be independent are not limited to a single company so they can quote policies with multiple insurance companies and find you cheaper rates. If they quote lower rates, they simply move the coverage in-house and the insured can keep the same agent.
When shopping rates, we recommend you include price quotes from at a minimum one independent agency to get the best comparison. Most also have access to smaller companies who may have lower rates.
Listed below is a list of independent agencies in Santa Ana that may be able to give free insurance quotes.
- Ammar Insurance Agency
726 S Main St - Santa Ana, CA 92701 - (714) 547-2400 - View Map - Premier One Insurance Services
2755 N Grand Ave - Santa Ana, CA 92705 - (714) 288-6060 - View Map - California Insurance Specialists
400 N Tustin Ave # 425 - Santa Ana, CA 92705 - (714) 558-8041 - View Map
Exclusive Insurance Agencies
Agents in the exclusive channel normally can only provide a single company's rates and examples are Farmers Insurance or State Farm. They generally cannot compare rates from other companies so if the price isn't competitive there isn't much they can do. Exclusive insurance agents are well schooled on their products and sales techniques which helps overcome the inability to quote other rates. Consumers sometimes use the same agent mainly due to the brand rather than low price.
The following is a list of exclusive insurance agencies in Santa Ana willing to provide price quote information.
- Peggy Bates - State Farm® Insurance Agent
2723 N Bristol St #1 - Santa Ana, CA 92706 - (714) 543-0422 - View Map - Farmers Insurance: Wendy Munoz
2441 N Tustin Ave - Santa Ana, CA 92705 - (714) 550-1100 - View Map - Allstate Insurance: Jorge Bendeck
3929 S Bristol St Ste 201 - Santa Ana, CA 92704 - (714) 832-3900 - View Map
Selecting an insurance agency is decision based upon more than just the premium amount. Agents should be asked these questions:
- Does the agency have a current Errors and Omissions policy?
- Are they paid to recommend certain coverages?
- How would your car be valued if totaled?
- Which companies do they recommend if they are an independent agency?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
Cheap auto insurance rates are possible
As you go through the steps to switch your coverage, do not reduce coverage to reduce premium. In many cases, an accident victim reduced collision coverage only to discover later that the savings was not a smart move. The proper strategy is to buy enough coverage for the lowest price, not the least amount of coverage.
Insureds change insurance companies for many reasons like extreme rates for teen drivers, delays in paying claims, an unsatisfactory settlement offer and questionable increases in premium. It doesn't matter why you want to switch choosing a new insurance company is pretty simple and you could end up saving a buck or two.
You just read many tips how you can reduce Land Rover LR4 insurance premium rates online in Santa Ana. The key concept to understand is the more companies you get prices for, the higher the chance of saving money. Consumers may even find the best price on auto insurance is with the least-expected company.
Helpful learning opportunities
- Auto Insurance Learning Center (State Farm)
- Who Has Affordable Santa Ana Car Insurance Rates for a GMC Acadia? (FAQ)
- Who Has Affordable Santa Ana Car Insurance Rates for a Nissan Altima? (FAQ)
- What Car Insurance is Cheapest for Young Drivers in Santa Ana? (FAQ)
- Understanding Your Insurance Deductible (Insurance Information Institute)
- Tread Depth and Tire Safety (State Farm)