Smart shoppers know that insurance companies want to keep you from comparing rates. Insureds who shop around for cheaper rates will, in all likelihood, move their business because there are good odds of finding better rates. A recent study showed that drivers who regularly shopped around saved approximately $72 a month compared to people who never compared prices.
If finding budget-friendly rates on insurance in Santa Ana is your ultimate target, then having an understanding of how to get free comparison quotes and analyze insurance rates can make the process more efficient.
If you want to find the absolute lowest rates, then the best way to find cheaper car insurance rates in Santa Ana is to start comparing prices regularly from insurance carriers who sell auto insurance in California.
- Try to learn about coverages and the changes you can make to lower rates. Many risk factors that are responsible for high rates like careless driving and a poor credit rating can be amended by making lifestyle changes or driving safer.
- Obtain price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give prices from one company like GEICO or Allstate, while agents who are independent can provide rate quotes from multiple sources.
- Compare the price quotes to your existing policy to see if a cheaper price is available. If you can save some money, ensure coverage does not lapse between policies.
- Notify your current company of your intent to cancel your current policy. Submit payment and a signed application to the new company. Once received, place the new proof of insurance certificate in an accessible location in your vehicle.
The key aspect of shopping around is that you'll want to make sure you compare identical coverages on each price quote and and to get price quotes from as many companies as feasibly possible. This enables a fair price comparison and a thorough price selection.
If you have coverage now or need a new policy, you can follow these tips to save money without reducing protection. Obtaining price quotes for the best-priced auto insurance coverage in Santa Ana is quite easy. Shoppers just have to use the proper way to get comparison rates from multiple carriers.
Mazda 6 insurance discounts in Santa Ana
Insurance is neither fun to buy or cheap, but you might be missing out on some discounts that may help make it more affordable. Certain reductions will be credited when you get a quote, but some may not be applied and must be asked for before you get the savings.
- Full Payment Discount - If you pay your bill all at once instead of paying each month you could save up to 5%.
- Senior Citizen Discount - If you qualify as a senior citizen, you can possibly qualify for lower premium rates.
- Discount for New Cars - Buying a new car model is cheaper since newer vehicles are generally safer.
- Telematics Data - Insureds who allow data collection to scrutinize driving patterns by using a telematics device like Drivewise from Allstate or In-Drive from State Farm could save a few bucks if they show good driving skills.
- Active Service Discounts - Being on active deployment in the military could qualify you for better premium rates.
As is typical with insurance, most discount credits are not given to your bottom line cost. Most only cut the cost of specific coverages such as medical payments or collision. Just because it seems like adding up those discounts means a free policy, you won't be that lucky.
The chart below shows the difference between Mazda 6 insurance costs with and without policy discounts. The premiums are based on a female driver, no violations or accidents, California state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, claim-free, multi-policy, multi-car, and marriage discounts applied.
A list of companies and some of the discounts are shown below.
- State Farm discounts include good student, good driver, driver's education, multiple policy, passive restraint, and anti-theft.
- American Family may offer discounts for Steer into Savings, bundled insurance, accident-free, defensive driver, good driver, air bags, and TimeAway discount.
- GEICO has savings for daytime running lights, anti-lock brakes, federal employee, air bags, anti-theft, and multi-vehicle.
- 21st Century includes discounts for early bird, theft prevention, teen driver, good student, and air bags.
- Progressive offers discounts for homeowner, good student, multi-policy, online signing, online quote discount, and multi-vehicle.
When getting a coverage quote, ask every company to apply every possible discount. Some discounts listed above might not apply in Santa Ana.
The most recommended method to get rate comparisons for Mazda 6 insurance in Santa Ana is to take advantage of the fact most larger insurance companies have advanced systems to give rate comparisons. All you need to do is provide information including if you're married, if you have a valid license, if you lease or own, and whether you drive to work or school. Those rating factors is then submitted to multiple auto insurance providers and you will get price comparisons with very little delay.
To compare affordable Mazda 6 insurance rates now, click here and complete the quick form.
The companies shown below can provide quotes in California. If multiple providers are shown, we recommend you compare several of them to get the most affordable price.
Premium rates and analysis
The data table shown below outlines estimates of prices for Mazda 6 models. Having a good understanding how auto insurance prices are formulated can assist in making smart buying decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 6 I Sport 4-Dr Sedan | $266 | $524 | $574 | $34 | $172 | $1,570 | $131 |
| 6 I SV 4-Dr Sedan | $266 | $524 | $574 | $34 | $172 | $1,570 | $131 |
| 6 I Touring 4-Dr Sedan | $266 | $524 | $574 | $34 | $172 | $1,570 | $131 |
| 6 I Touring Plus 4-Dr Sedan | $300 | $524 | $574 | $34 | $172 | $1,604 | $134 |
| 6 I Touring Plus 4-Dr Sedan | $300 | $524 | $574 | $34 | $172 | $1,604 | $134 |
| 6 I Grand Touring 4-Dr Sedan | $300 | $618 | $574 | $34 | $172 | $1,698 | $142 |
| 6 S Touring Plus 6 Cyl 4-Dr Sedan | $300 | $618 | $574 | $34 | $172 | $1,698 | $142 |
| 6 S Touring Plus 4-Dr Sedan | $300 | $618 | $574 | $34 | $172 | $1,698 | $142 |
| 6 S Grand Touring 4-Dr Sedan | $300 | $618 | $574 | $34 | $172 | $1,698 | $142 |
| 6 S Grand Touring 6 Cyl 4-Dr Sedan | $300 | $618 | $574 | $34 | $172 | $1,698 | $142 |
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Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Table data does not factor in garaging location in Santa Ana which can increase or decrease prices considerably.
The chart below illustrates how choosing a deductible and can raise or lower Mazda 6 annual premium costs for different age groups of insureds. The premiums are based on a married male driver, comprehensive and collision coverage, and no policy discounts are applied.
Rate comparison of full coverage and liability-only
The example below visualizes the comparison of Mazda 6 premium costs with full physical damage coverage compared to only buying liability only. The price estimates are based on no violations or claims, $1,000 deductibles, drivers are not married, and no additional discounts are factored in.
Should you buy full coverage or liability only?
There is no set guideline of when to drop full coverage on your policy, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is more than 10% of the replacement cost minus the deductible, then it might be time to consider dropping full coverage.
For example, let's pretend your Mazda 6 book value is $5,000 and you have $1,000 deductibles. If your vehicle is totaled, the most you would get paid by your company is $4,000 after paying your deductible. If it's costing in excess of $400 a year for your policy with full coverage, then you may want to consider only buying liability coverage.
There are some situations where dropping physical damage coverage is not a good idea. If you still have a loan on your vehicle, you have to maintain full coverage to protect the lienholder's interest. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should keep full coverage.
Lower Your Santa Ana Insurance Premiums
Many factors are part of the calculation when you quote your car insurance policy. Most are fairly basic such as your driving history, although some other factors are less obvious like where you live and annual miles driven.
Raising coverage deductibles lowers premiums - Insurance for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, helps pay for damage to your vehicle. Some coverage claims could be colliding with a building, damage from fire, or theft. Physical damage deductibles define how much the insured will be required to pay before a claim is paid by your company. The higher the amount you're willing to pay, the lower your rates will be.
Insurance is expensive for younger drivers - Beginning drivers in California tend to get distracted easily when driving with friends so they pay higher car insurance rates. Older insureds tend to be more responsible, cause fewer claims and accidents, and get fewer tickets.
The data below uses these assumptions: single driver, full coverage with $100 deductibles, and no discounts or violations.
Is you job costing you more? - Jobs such as doctors, architects, and miners tend to pay higher rates than average due to high stress and lots of time spent away from family. Other occupations such as scientists, engineers and homemakers have lower than average premiums.
Always keep your car insurance policy in place - Driving without insurance is a misdemeanor and your next policy will cost more because you let your insurance expire. In addition to paying higher rates, the inability to provide proof of insurance could result in a revoked license or a big fine.
Insurance losses for a Mazda 6 - Auto insurance companies use past insurance losses when they file their rates in each state. Vehicles that statistically have increased claim numbers or amounts will have a higher cost to insure. The table shown below demonstrates the actual insurance loss data for Mazda 6 vehicles.
For each coverage type, the statistical loss for all vehicles, as a total average, is considered to be 100. Values that are 100 or less are indicative of better than average losses, while numbers that are greater than 100 indicate frequent claims or tendency to have larger claims.
| Specific Mazda Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Mazda 6 | 99 | 92 | 112 | 94 | 98 | 94 |
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Get rate quotes but work with a local Santa Ana insurance agency
Some people would rather talk to a local agent and there is nothing wrong with that. Most agents can help you build your policy and help submit paperwork. One of the benefits of comparing rates online is that you can find cheap car insurance quotes and still choose a local agent. Putting coverage with local insurance agents is still important in Santa Ana.
For easy comparison, once you complete this simple form, your information is submitted to agents in your area who will return price quotes to get your business. There is no need to search for any insurance agencies as quotes are delivered straight to your inbox. If you want to quote rates from a specific insurance company, you can always navigate to their website and fill out their quote form.
If you need to find a good Santa Ana insurance agent, there are two types of agencies that differ in how they can insure your vehicles. Agents in Santa Ana can be classified as either independent agents or exclusive agents. Either can sell affordable car insurance policies, but it's important to point out the difference in how they write coverage because it can impact which type of agent you select.
Independent Insurance Agents
Agents that elect to be independent do not have single company limitations so they can quote policies through many different car insurance companies and find the cheapest car insurance rates. If they find a cheaper price, your agent can switch companies without you having to go to a different agency. When comparing rate quotes, you should always check rates from several independent agencies to get the most accurate price comparison. Most also write with different regional companies which can save you money.
Featured below is a short list of independent agencies in Santa Ana who may provide comparison quotes.
- ZIBARA INSURANCE AGENCY, INC.
1700 E Garry Ave #206 - Santa Ana, CA 92705 - (949) 660-8800 - View Map - FIRST HOME INSURANCE AGENCY
1522 E 4th St - Santa Ana, CA 92701 - (714) 560-8835 - View Map - Roberti's Insurance Agency
2128 N Tustin Ave #B - Santa Ana, CA 92705 - (714) 543-2788 - View Map
Exclusive Agencies
Exclusive agencies can usually just insure with one company and some examples include AAA, Allstate, State Farm, or Farmers Insurance. Exclusive agents cannot compare rates from other companies so keep that in mind. Exclusive agents are well trained on what they offer and that allows them to sell at a higher price point. Consumers sometimes choose to use an exclusive agent primarily because of the brand name and strong financial ratings.
Below are exclusive insurance agents in Santa Ana who can help you get price quote information.
- Allstate Insurance: Ramon Valerio
117 S Harbor Blvd - Santa Ana, CA 92704 - (714) 775-5423 - View Map - Allstate Insurance: Sonia Carolina Franco
2017 N Main St - Santa Ana, CA 92706 - (714) 515-8062 - View Map - Farmers Insurance - Jose Garrido
705 W 17th St, Ste B-2 - Santa Ana, CA 92706 - (714) 558-4814 - View Map
Choosing the best insurance agent should include more criteria than just a cheap price quote. Any good agent in Santa Ana should know the answers to these questions.
- How long has their agency been in business in Santa Ana?
- Will the company cover a rental car if your car is getting fixed?
- Is the agent properly licensed in California?
- Are there any extra charges for paying monthly?
- Does the company use OEM repair parts?
Why insurance is not optional
Despite the high cost, paying for insurance is most likely required but also gives you several important benefits.
- The majority of states have mandatory liability insurance requirements which means state laws require specific minimum amounts of liability coverage if you want to drive 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 Mazda 6 with a loan, almost every bank will make it mandatory that you have insurance to guarantee loan repayment. If you do not keep the policy in force, the lender may have to buy a policy to insure your Mazda at a significantly higher premium and force you to pay for the expensive policy.
- Insurance preserves both your assets and your car. It will also cover all forms of medical expenses for yourself as well as anyone injured by you. One policy coverage, liability insurance, will also pay for a defense attorney if you are named as a defendant in an auto accident. If your Mazda gets damaged, comprehensive (other-than-collision) and collision coverage will cover the damage repairs after a deductible is paid.
The benefits of buying enough insurance are definitely more than the cost, especially for larger claims. The average driver in America is overpaying more than $750 every year so it's very important to do a rate comparison at every renewal to save money.
How to find a good California auto insurance company
Picking a good quality auto insurance company can be challenging considering how many companies there are to choose from in California. The rank data listed below can help you decide which auto insurance companies you want to consider putting your business with.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
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Data Source: Insure.com Best Car Insurance Companies
Compare but don't skimp
Insureds change insurance companies for many reasons like high prices, delays in paying claims, questionable increases in premium or even not issuing a premium refund. It doesn't matter what your reason, finding a great new company can be pretty painless.
When you buy Santa Ana auto insurance online, never reduce needed coverages to save money. In many instances, an accident victim reduced liability coverage limits only to discover later that it was a big mistake. The ultimate goal is to buy the best coverage you can find at the best price while not skimping on critical coverages.
Lower-priced auto insurance in Santa Ana is attainable both online as well as from insurance agents, so get free Santa Ana auto insurance quotes from both of them to have the best chance of lowering rates. Some companies may not offer the ability to get quotes online and these small insurance companies only sell through local independent agents.
Additional detailed information can be read by following these links:
- Steps to Take After an Auto Accident (Insurance Information Institute)
- How Much is Auto Insurance for a Hyundai Elantra in Santa Ana? (FAQ)
- Who Has Affordable Santa Ana Auto Insurance Quotes for Drivers with Bad Credit? (FAQ)
- How Much is Santa Ana Auto Insurance for Drivers Over Age 70? (FAQ)
- Who Has the Cheapest Auto Insurance for a Company Car in Santa Ana? (FAQ)
- Medical Payments Coverage (Liberty Mutual)
- Booster Seat Ratings (iihs.org)
- Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)