Best Insurance for a Pontiac Solstice in Santa Ana

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It's an obvious statement that car insurance companies want to prevent you from shopping around. People who shop around for the cheapest price will, in all likelihood, switch companies because there are good odds of finding discount prices. Surprisingly, a recent survey revealed that consumers who regularly compared price quotes saved about $3,450 over four years compared to people who don't regularly compare prices.

If saving the most money on Pontiac Solstice insurance is your target objective, then having an understanding of how to get rate quotes and compare coverages can help you succeed in saving money.

Insurance for Pontiac SolsticeIt takes a little time, but the best way to get low-cost car insurance rates in Santa Ana is to compare prices regularly from providers that insure vehicles in California. Prices can be compared by following these guidelines.

First, read about policy coverages and the modifications you can make to prevent rate increases. Many rating factors that result in higher rates such as traffic tickets, fender benders, and a negative credit history can be eliminated by making minor driving habit or lifestyle changes.

Second, obtain price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only provide price estimates from a single company like GEICO or Farmers Insurance, while independent agents can quote rates for many different companies. View a list of agents

Third, compare the new rates to your existing coverage to determine if you can save on Solstice insurance. If you can save some money and make a switch, make sure there is no lapse in coverage.

An important part of this process is to use identical limits and deductibles on every price quote and and to get price estimates from every company you can. This guarantees a fair price comparison and a thorough price selection.

The companies shown below can provide price comparisons in California. If multiple providers are shown, it's a good idea that you visit two to three different companies to get the best price comparison.

Cheap Santa Ana auto insurance quotes with discounts

Companies offering auto insurance do not advertise every possible discount very well, so the below list has a few of the more common and also the more inconspicuous discounts that you can inquire about if you buy Santa Ana auto insurance online.Auto insurance discounts

  • Defensive Driver - Taking a course in defensive driving could earn you a small percentage discount depending on where you live.
  • Fewer Miles Equal More Savings - Driving fewer miles can earn lower prices on the low mileage vehicles.
  • Anti-lock Brake Discount - Cars and trucks with ABS braking systems or traction control are much safer to drive and the ABS can save up to 10%.
  • Paper-free Discount - Some auto insurance companies will give you a small discount simply for signing digitally online.
  • Safe Driver Discount - Insureds who avoid accidents can save up to 40% or more on their Santa Ana auto insurance quote than drivers with accidents.
  • Military Discounts - Having a deployed family member could trigger a small discount.
  • Discounts for Seat Belt Usage - Drivers who always wear seat belts and also require passengers to wear their seat belts could save 15% on the premium charged for medical payments and/or PIP.
  • Save with a New Car - Buying a new car model can cost up to 25% less since new vehicles have better safety ratings.
  • Good Students Pay Less - Maintaining excellent grades can earn a discount of 20% or more. The good student discount can last up until you turn 25.
  • Sign Early and Save - Select auto insurance companies give a discount for switching companies prior to the expiration date on your current Solstice insurance policy. You may see this discount when you get Santa Ana auto insurance quotes online.

As a sidenote, most of the big mark downs will not be given to all coverage premiums. Most only apply to the cost of specific coverages such as medical payments or collision. So even though it sounds like all the discounts add up to a free policy, insurance companies wouldn't stay in business.

A list of auto insurance companies and their offered discounts are detailed below.

  • American Family offers discounts for Steer into Savings, early bird, defensive driver, good driver, mySafetyValet, air bags, and TimeAway discount.
  • State Farm may offer discounts for good driver, anti-theft, Steer Clear safe driver discount, multiple policy, and passive restraint.
  • 21st Century includes discounts for good student, automatic seat belts, 55 and older, driver training, teen driver, and student driver.
  • Travelers may include discounts for good student, hybrid/electric vehicle, home ownership, save driver, IntelliDrive, and multi-policy.
  • GEICO has discounts for federal employee, five-year accident-free, multi-vehicle, emergency military deployment, and anti-lock brakes.

When comparing rates, check with each company or agent the best way to save money. Discounts might not be available to policyholders in Santa Ana. To see companies with the best discounts in Santa Ana, click here.

Auto insurance in California serves several purposes

Even though Santa Ana Solstice insurance rates can get expensive, maintaining insurance may be mandatory for several reasons.

  • The majority of states have mandatory insurance requirements which means the state requires a minimum amount of liability insurance coverage 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 have a loan on your Solstice, more than likely the lender will stipulate that you buy insurance to protect their interest in the vehicle. If you do not pay your insurance premiums, the bank will be required to insure your Pontiac for a lot more money and make you pay the higher price.
  • Insurance protects your car and your assets. Insurance will pay for medical transport and hospital expenses for you, your passengers, and anyone else injured in an accident. Liability coverage, the one required by state law, also covers all legal expenses up to the policy limit in the event you are sued. If you have damage to your Pontiac as the result of the weather or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay to have it repaired.

The benefits of insuring your car are without a doubt worth the cost, especially if you ever need it. Despite what companies tell you, the average driver is overpaying more than $865 each year so smart consumers compare quotes once a year at a minimum to ensure rates are competitive.

What is the best auto insurance company in Santa Ana?

Insuring your vehicle with the best car insurance provider can be challenging considering how many different companies insure vehicles in California. The rank data listed below can help you analyze which companies to look at when looking for cheaper rates.

Top Auto Insurance Companies in California
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

How much auto insurance do I need?

Keep in mind that when it comes to choosing coverage online or from an agent, there really isn't a "perfect" insurance plan. Every situation is different.Drive safe and save

For instance, these questions can aid in determining if your insurance needs may require specific advice.

  • Should I buy more coverage than the required California minimum liability coverage?
  • Is there coverage for my trailer?
  • Are my company tools covered if they get stolen?
  • What is GAP insurance?
  • What does roadside assistance cover?
  • Am I better off with higher deductibles on my Pontiac Solstice?
  • Why am I be forced to buy a membership to get insurance from some companies?

If it's difficult to answer those questions, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and you can get the answers you need.

Don't I need to have guidance from an insurance agency?

Some consumers still like to sit down with an agent and that is just fine! Professional agents are trained risk managers and give you someone to call. A nice benefit of comparing car insurance online is that you can find better rates and also buy local.

Insurance agents in Santa AnaTo find an agent, once you fill out this simple form, your insurance coverage information is transmitted to agents in your area who will return price quotes and help you find cheaper coverage. You never need to search for any insurance agencies since price quotes are sent directly to your email. If you wish to get a rate quote from a specific company, feel free to visit that company's website to submit a rate quote request.

Picking an provider requires you to look at more than just the quoted price. Here are some questions you might want to ask.

  • Do they specialize in personal lines auto insurance in Santa Ana?
  • Do they have 24-hour customer assistance?
  • Will they give you a referral list?
  • If you have an accident, will your rates go up?
  • What kind of financial rating does the company have?
  • How long has the business existed?

If you are wanting to find a local Santa Ana insurance agent, it can be helpful to understand the different types of agents and how they operate. Car insurance agents in Santa Ana are classified as either exclusive or independent (non-exclusive). Both types can properly insure your vehicles, but it's important to point out the difference in how they write coverage since it may influence your selection of an agent.

Exclusive Car Insurance Agencies

Exclusive agencies work for only one company and some examples include Allstate, Farmers Insurance or State Farm. Exclusive agents cannot provide rate quotes from other companies so they are skilled at selling on more than just price. These agents are trained well on their company's products which helps them sell insurance even at higher premiums. Consumers often choose to use a exclusive agent mostly because of high brand loyalty and the convenience of having a single billing for all their coverages.

Listed below is a list of exclusive agencies in Santa Ana that can give you rate quotes.

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Independent Agencies or Brokers

Agents that elect to be independent are not employed by any specific company so they can quote policies through many different car insurance companies enabling the ability to shop coverage around. If prices rise, they simply move the coverage in-house which is easy for the insured.

When comparing rates, we highly recommend that you get some free quotes from multiple independent agents so that you have a good selection of quotes to compare. Most have the option of insuring with companies you've never heard of that many times have cheaper rates.

The following is a short list of independent insurance agents in Santa Ana that can give you price quote information.

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