It's an obvious assumption that auto insurance companies don't want policyholders to shop around. Insureds who compare rates once a year will presumably buy a new policy because they have a good chance of finding a cheaper policy. Surprisingly, a recent survey revealed that drivers who shopped around every year saved $72 a month compared to policyholders who didn't regularly shop around.
If saving the most money on Mitsubishi Lancer insurance in Santa Ana is why you're reading this, then having an understanding of how to get price quotes and compare insurance can help make the process easier and more efficient.
If saving the most money is your goal, then the best way to find affordable Mitsubishi Lancer insurance is to compare quotes annually from different companies that insure vehicles in Santa Ana.
- First, gain an understanding of car insurance and the measures you can control to drop your rates. Many factors that result in higher rates such as at-fault accidents, careless driving, and a poor credit rating can be amended by making small lifestyle or driving habit changes. This article provides instructions to get lower rates and find additional discounts.
- Second, compare rates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can provide rates from a single company like GEICO and Allstate, while independent agents can quote prices from many different companies.
- Third, compare the new rate quotes to your current policy premium and see if you can save money. If you can save money and make a switch, make sure coverage is continuous and does not lapse.
- Fourth, give notification to your current company of your intention to cancel your current auto insurance policy. Submit any necessary down payment along with the completed application to the new insurer. Make sure you put the proof of insurance paperwork in your vehicle.
The most important part of shopping around is that you'll want to make sure you compare identical limits and deductibles on each price quote and and to get price quotes from as many companies as feasibly possible. This provides a fair price comparison and many rates to choose from.
Companies offering Mitsubishi Lancer insurance in Santa Ana
The companies shown below are ready to provide quotes in Santa Ana, CA. If several companies are displayed, it's a good idea that you get prices from several of them in order to get a fair rate comparison.
Mitsubishi Lancer coverage statistics
The premium information below highlights a range of insurance policy prices for Mitsubishi Lancer models. Being able to understand how insurance quotes are figured can be valuable when making informed coverage decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Lancer DE | $272 | $426 | $578 | $34 | $174 | $1,484 | $124 |
| Lancer ES | $272 | $426 | $578 | $34 | $174 | $1,484 | $124 |
| Lancer GTS | $302 | $490 | $578 | $34 | $174 | $1,578 | $132 |
| Lancer Sportback GTS | $302 | $490 | $578 | $34 | $174 | $1,578 | $132 |
| Lancer RALLIART | $334 | $556 | $578 | $34 | $174 | $1,676 | $140 |
| Lancer Sportback Ralliart | $334 | $556 | $578 | $34 | $174 | $1,676 | $140 |
| Get Your Own Custom Quote Go | |||||||
Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Price information does not factor in specific zip code location which can influence auto insurance rates substantially.
Physical damage deductibles
One of the more difficult decisions when buying insurance is what deductibles to buy. The following tables lay out the costs and benefits when you choose different insurance deductibles. The first set of prices uses a $250 deductible and the second rate chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Lancer DE | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| Lancer ES | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| Lancer GTS | $430 | $780 | $442 | $26 | $132 | $1,835 | $153 |
| Lancer Sportback GTS | $430 | $780 | $442 | $26 | $132 | $1,835 | $153 |
| Lancer RALLIART | $474 | $882 | $442 | $26 | $132 | $1,981 | $165 |
| Lancer Sportback Ralliart | $474 | $882 | $442 | $26 | $132 | $1,981 | $165 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Lancer DE | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Lancer ES | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Lancer GTS | $266 | $490 | $442 | $26 | $132 | $1,356 | $113 |
| Lancer Sportback GTS | $266 | $490 | $442 | $26 | $132 | $1,356 | $113 |
| Lancer RALLIART | $292 | $556 | $442 | $26 | $132 | $1,448 | $121 |
| Lancer Sportback Ralliart | $292 | $556 | $442 | $26 | $132 | $1,448 | $121 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Information does not factor in the specific area where the vehicle is garaged which can influence insurance rates significantly.
Based on this data, using a $250 deductible will cost in the ballpark of $40 more each month or $480 for a full year across all Mitsubishi Lancer models than requesting the higher $1,000 deductible. Because you would pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to go more than 19 months between claim filings, you would come out ahead if you elect the higher deductible.
Annual premiums comparing men and women in Santa Ana
The information below illustrates the difference between Mitsubishi Lancer annual premium costs for male and female drivers. The premiums are based on no accidents, no driving violations, comp and collision included, $1,000 deductibles, drivers are single, and no discounts are taken into consideration.
Lower rates by qualifying for discounts
Car insurance companies don't necessarily list all their discounts very well, so the list below contains a few of the more common and also the lesser-known credits that you can use to lower your rates. If you aren't receiving every discount possible, it's possible you qualify for a lower rate.
- Safety Course Discount - Passing a course in defensive driving may get you a small discount and make you a better driver.
- Bundled Policy Discount - If you have multiple policies and insure them with the same company they may give you a discount of at least 10% off all policies.
- Seat Belt Usage - Drivers who require all occupants to use a seat belt may be able to save a few bucks on the premium charged for medical payments and/or PIP.
- Online Discount - A few larger online companies provide a small discount get Santa Ana auto insurance on your computer.
- Discount for Swiching Early - Select companies give a discount for switching policies before your current Lancer insurance policy expires. Ten percent is about the average savings.
- One Accident Forgiven - This one isn't a discount, but companies like State Farm and Allstate will turn a blind eye to one accident before they charge you more for coverage so long as you haven't had any claims prior to being involved in the accident.
- ABS Brakes - Cars with ABS and/or traction control are much safer to drive and therefore earn up to a 10% discount.
- Theft Deterrent Discount - Cars, trucks, and SUVs equipped with anti-theft or alarm systems have a lower chance of being stolen and qualify for as much as a 10% discount.
Don't be shocked that many deductions do not apply to all coverage premiums. Most only cut specific coverage prices like comp or med pay. Even though the math looks like adding up those discounts means a free policy, you won't be that lucky.
The chart below visualizes the comparison of Mitsubishi Lancer premium costs with and without some available policy discounts. The prices are based on a female driver, no accidents, no driving violations, 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 safe-driver, multi-policy, claim-free, multi-car, homeowner, and marriage discounts applied.
A list of companies and the discounts they provide are included below.
- State Farm offers premium reductions for accident-free, passive restraint, student away at school, safe vehicle, and multiple policy.
- GEICO offers discounts for multi-policy, military active duty, emergency military deployment, anti-lock brakes, and multi-vehicle.
- SAFECO may have discounts that include multi-car, homeowner, teen safe driver, anti-lock brakes, and accident prevention training.
- Farmers Insurance discounts include electronic funds transfer, good student, multi-car, early shopping, switch companies, and distant student.
- AAA offers discounts including good student, anti-theft, multi-car, AAA membership discount, multi-policy, pay-in-full, and good driver.
- USAA has savings for multi-vehicle, good student, new vehicle, military installation, family discount, multi-policy, and vehicle storage.
It's a good idea to ask each company how you can save money. Some of the discounts discussed earlier may not apply in Santa Ana.
When to get professional advice
Keep in mind that when it comes to choosing a policy for your personal vehicles, there really is no perfect coverage plan. Each situation is unique and a cookie cutter policy won't apply. These are some specific questions could help you determine whether or not you may require specific advice.
- Is my vehicle covered by my employer's policy when using it for work?
- What is motorclub and do I need it?
- Is my son or daughter covered when driving my car?
- Which companies will insure high-risk drivers?
- How can I get the company to pay a claim?
- How much can I save by bundling my policies?
If you don't know the answers to these questions, you might consider talking to an insurance agent. If you don't have a local agent, take a second and complete this form or go to this page to view a list of companies.
Insurance agencies near you
Certain consumers still like to buy from a licensed agent and we recommend doing that The biggest benefit of comparing auto insurance online is the fact that drivers can get cheap rate quotes and also buy local.
After completing this form (opens in new window), the quote information gets sent to local insurance agents in Santa Ana who want to provide quotes for your auto insurance coverage. You won't need to drive around because prices are sent to you. You can get cheaper auto insurance rates without requiring a lot of work. If you wish to get a comparison quote from a specific insurance company, you would need to navigate to their website and complete a quote there.
Finding a good provider requires more thought than just a cheap quote. The answers to these questions are important, too.
- Is their price quote a firm figure or are their hidden costs?
- Are they properly licensed to sell insurance in California?
- Do they review policy coverages at every renewal?
- If independent agents, which companies do they recommend?
- Does the company have a local claim office in Santa Ana?
- If your car is in the repair shop, do you have coverage for a rental car?
Two types of car insurance agents
If you want to use a reliable insurance agency, you must know there are a couple different types of agencies and how they can quote your rates. Agents in Santa Ana can either be exclusive or independent agents depending on their company appointments.
Exclusive Auto Insurance Agents
Agents in the exclusive channel generally can only insure with one company such as Allstate, AAA, Farmers Insurance, and State Farm. These agents are not able to compare other company's rates so always compare other rates. Exclusive agencies are well trained on what they offer which can be an advantage. Some people will only buy insurance from these agents mainly due to high brand loyalty and solid financial strength.
Below is a list of exclusive insurance agencies in Santa Ana willing to provide price quotes.
- Farmers Insurance - Rosa Evaristo
2901 W Warner Ave - Santa Ana, CA 92704 - (714) 966-1461 - View Map - State Farm Insurance: Luis Olmedo
600 S Grand Ave #101 - Santa Ana, CA 92705 - (714) 486-3441 - View Map - Allstate Insurance: Ramon Valerio
117 S Harbor Blvd - Santa Ana, CA 92704 - (714) 775-5423 - View Map
Independent Auto Insurance Agencies
Agents in the independent channel do not write with just one company and that is an advantage because they can write policies with multiple insurance companies and find the cheapest auto insurance rates. If they quote lower rates, an independent agent can move your coverage which is easy for the insured. When shopping rates, we highly recommend that you include multiple independent agents so that you can do a thorough price comparison. Most have the option of insuring with companies you've never heard of which can be an advantage.
Below are Santa Ana independent agents that are able to give comparison quotes.
- Ayala's Insurance
2020 N Grand Ave #107 - Santa Ana, CA 92705 - (714) 210-5770 - View Map - Sureguard Insurance Agency Inc
555 Park Center Dr #118 - Santa Ana, CA 92705 - (714) 464-8010 - View Map - Everett Callahan Insurance Agency, Inc
1913 17th St - Santa Ana, CA 92705 - (714) 246-8976 - View Map
California car insurance company ratings
Ending up with the highest-rated insurance provider is hard considering how many companies provide coverage in Santa Ana. The ranking data listed below could help you decide which car insurance companies to look at buying from.
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
Persistence is the key to cheap rates
You just learned a lot of ways to shop for Mitsubishi Lancer insurance online. The most important thing to understand is the more quotes you get, the better your chances of lowering your prices. Consumers may even find the lowest priced auto insurance comes from a smaller regional carrier. Some small companies often have lower prices on specific markets as compared to the big name companies such as Allstate or State Farm.
When getting Santa Ana auto insurance quotes online, never reduce coverage to reduce premium. There have been many cases where someone dropped full coverage only to discover later that it was a big mistake. Your objective should be to purchase a proper amount of coverage at the lowest possible cost while not skimping on critical coverages.
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