The easiest way to get cheaper auto insurance rates is to begin comparing prices regularly from insurance carriers who provide auto insurance in Santa Ana.
First, try to learn a little about auto insurance and the measures you can take to keep rates in check. Many rating factors that cause high rates like distracted driving and an unacceptable credit rating can be controlled by making lifestyle changes or driving safer.
Second, request price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give prices from one company like GEICO or Allstate, while agents who are independent can give you price quotes from multiple sources.
Third, compare the quotes to your existing coverage to determine if switching companies saves money. If you find a lower rate and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
Fourth, provide notification to your current company of your decision to cancel your current coverage. Submit a signed application and payment for your new coverage. As soon as you receive it, place the new proof of insurance paperwork in your vehicle.
The key thing to remember is to compare similar limits and deductibles on each price quote and and to get price quotes from all possible companies. This enables a level playing field and a complete price analysis.
Anyone knows that car insurance companies don't want policyholders to shop around. Insureds who shop around for better prices will most likely switch companies because there are good odds of finding lower rate quotes. A recent survey revealed that people who compared prices regularly saved about $3,400 over four years compared to policyholders who never shopped around.
If finding low prices for Ford F-150 insurance is why you're reading this, knowing how to get rate quotes and compare insurance can make it simple to find affordable coverage.
Car insurance statistics and figures
The table shown next highlights a range of insurance prices for Ford F-150 models. Having knowledge of how insurance policy rates are calculated is important to be able to make decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| F-150 XL Regular Cab 2WD | $330 | $456 | $596 | $36 | $178 | $1,596 | $133 |
| F-150 STX Regular Cab 2WD | $330 | $582 | $596 | $36 | $178 | $1,722 | $144 |
| F-150 XL Super Cab 2WD | $330 | $582 | $596 | $36 | $178 | $1,722 | $144 |
| F-150 XLT Regular Cab 2WD | $330 | $582 | $596 | $36 | $178 | $1,722 | $144 |
| F-150 STX Super Cab 2WD | $330 | $582 | $596 | $36 | $178 | $1,722 | $144 |
| F-150 XL Crew Cab 2WD | $378 | $582 | $596 | $36 | $178 | $1,770 | $148 |
| F-150 XLT Super Cab 2WD | $378 | $582 | $596 | $36 | $178 | $1,770 | $148 |
| F-150 STX Regular Cab 4WD | $378 | $582 | $596 | $36 | $178 | $1,770 | $148 |
| F-150 XL Regular Cab 4WD | $378 | $582 | $596 | $36 | $178 | $1,770 | $148 |
| F-150 FX2 Super Cab 2WD | $378 | $582 | $596 | $36 | $178 | $1,770 | $148 |
| F-150 XLT Crew Cab 2WD | $378 | $582 | $596 | $36 | $178 | $1,770 | $148 |
| F-150 XL Super Cab 4WD | $378 | $582 | $596 | $36 | $178 | $1,770 | $148 |
| F-150 XLT Regular Cab 4WD | $378 | $582 | $596 | $36 | $178 | $1,770 | $148 |
| F-150 XL Crew Cab 4WD | $428 | $582 | $596 | $36 | $178 | $1,820 | $152 |
| F-150 STX Super Cab 4WD | $428 | $582 | $596 | $36 | $178 | $1,820 | $152 |
| F-150 XLT Super Cab 4WD | $428 | $582 | $596 | $36 | $178 | $1,820 | $152 |
| F-150 FX2 2WD | $428 | $708 | $596 | $36 | $178 | $1,946 | $162 |
| F-150 Lariat Super Cab 2WD | $428 | $708 | $596 | $36 | $178 | $1,946 | $162 |
| F-150 Lariat Crew Cab 2WD | $428 | $708 | $596 | $36 | $178 | $1,946 | $162 |
| F-150 FX4 Super Cab 4WD | $428 | $708 | $596 | $36 | $178 | $1,946 | $162 |
| F-150 XLT Crew Cab 4WD | $428 | $708 | $596 | $36 | $178 | $1,946 | $162 |
| F-150 FX4 4WD | $428 | $708 | $596 | $36 | $178 | $1,946 | $162 |
| F-150 Lariat Crew Cab 4WD | $428 | $708 | $596 | $36 | $178 | $1,946 | $162 |
| F-150 SVT Raptor Super Cab 4WD | $428 | $708 | $596 | $36 | $178 | $1,946 | $162 |
| F-150 Lariat Super Cab 4WD | $428 | $708 | $596 | $36 | $178 | $1,946 | $162 |
| F-150 Lariat Crew Cab Platinum 2WD | $428 | $834 | $596 | $36 | $178 | $2,072 | $173 |
| F-150 Lariat Crew Cab Harley 2WD | $428 | $834 | $596 | $36 | $178 | $2,072 | $173 |
| F-150 Lariat King Ranch 2WD | $428 | $834 | $596 | $36 | $178 | $2,072 | $173 |
| F-150 Lariat King Ranch 4WD | $476 | $834 | $596 | $36 | $178 | $2,120 | $177 |
| F-150 Lariat Crew Cab Harley 4WD | $476 | $834 | $596 | $36 | $178 | $2,120 | $177 |
| F-150 Lariat Crew Cab Platinum 4WD | $476 | $834 | $596 | $36 | $178 | $2,120 | $177 |
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Data variables include single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Prices do not factor in vehicle garaging location which can lower or raise premiums significantly.
The information below highlights how deductible choice and can change Ford F-150 insurance costs for different age groups of insureds. The premiums assume a married male driver, comprehensive and collision coverage, and no other discounts are factored in.
Impact of speeding/accidents on Santa Ana car insurance rates
The chart below illustrates how violations and accident claims influence Ford F-150 insurance rates for different age groups. The costs are based on a single male driver, comp and collision included, $500 deductibles, and no discounts are applied.
Ford F-150 insurance premiums by gender and age
The illustration below visualizes the comparison of Ford F-150 premium costs for male and female drivers. The premiums assume no claims or driving citations, full coverage, $500 deductibles, single status, and no additional discounts are factored in.
Santa Ana car insurance companies
Picking the top insurance provider can be rather challenging considering how many companies are available to choose from in Santa Ana. The rank data listed below could help you pick which auto insurance companies you want to consider shopping prices with.
Top 10 Santa Ana Car Insurance Companies by A.M. Best Rank
- USAA - A++
- Travelers - A++
- State Farm - A++
- GEICO - A++
- Esurance - A+
- Nationwide - A+
- Allstate - A+
- Mercury Insurance - A+
- Progressive - A+
- Titan Insurance - A+
Top 10 Santa Ana Car Insurance Companies Ranked by Customer Satisfaction
- Titan Insurance - 95%
- USAA - 94%
- AAA of Southern California - 92%
- AAA Insurance - 91%
- Nationwide - 90%
- State Farm - 90%
- The Hartford - 89%
- GEICO - 89%
- The General - 88%
- 21st Century - 88%
Learn about car insurance coverages for a Ford F-150
Knowing the specifics of your policy can help you determine which coverages you need for your vehicles. Car insurance terms can be confusing and even agents have difficulty translating policy wording.
Liability auto insurance
This coverage can cover damage or injury you incur to other's property or people by causing an accident. It protects YOU against claims from other people. Liability doesn't cover damage to your own property or vehicle.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 15/30/5 that means you have a $15,000 limit per person for injuries, a per accident bodily injury limit of $30,000, and $5,000 of coverage for damaged property.
Liability insurance covers things such as funeral expenses, court costs and emergency aid. How much liability should you purchase? That is a decision to put some thought into, but consider buying as large an amount as possible. California requires drivers to carry at least 15/30/5 but it's recommended drivers buy more liability than the minimum.
The chart below shows why buying minimum limits may not provide you with enough coverage.
Uninsured or underinsured coverage
Your UM/UIM coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and also any damage incurred to your Ford F-150.
Because many people carry very low liability coverage limits (which is 15/30/5), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.
Collision coverage protection
This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision can pay for claims such as driving through your garage door, colliding with another moving vehicle, sideswiping another vehicle, rolling your car and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible on your F-150 to save money on collision insurance.
Comprehensive protection
Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive coverage protects against claims like vandalism, theft, hitting a bird and damage from getting keyed. The most you'll receive from a claim is the ACV or actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.
Medical expense coverage
Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like pain medications, funeral costs, doctor visits and chiropractic care. They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay
Smart consumers save more
As you restructure your insurance plan, do not skimp on coverage in order to save money. In many cases, an accident victim reduced comprehensive coverage or liability limits only to find out that their decision to reduce coverage ended up costing them more. Your aim should be to buy enough coverage at the lowest possible cost, but do not sacrifice coverage to save money.
Drivers switch companies for many reasons like an unsatisfactory settlement offer, delays in responding to claim requests, high prices or even unfair underwriting practices. Regardless of your reason for switching companies, switching companies can be pretty painless.
Cheap Ford F-150 insurance in Santa Ana is possible from both online companies and with local Santa Ana insurance agents, so get free Santa Ana car insurance quotes from both of them to get a complete price analysis. Some car insurance companies may not offer online rate quotes and usually these small insurance companies prefer to sell through independent agents.
Additional information
- Get the Right Protection (InsureUonline.org)
- What Car Insurance is Cheapest for Inexperienced Drivers in Santa Ana? (FAQ)
- Who Has Cheap Car Insurance for a Subaru Outback in Santa Ana? (FAQ)
- How Much is Auto Insurance for a Hyundai Elantra in Santa Ana? (FAQ)
- Who Has the Cheapest Auto Insurance for a Honda Accord in Santa Ana? (FAQ)
- Who Has Affordable Auto Insurance for a Ford Explorer in Santa Ana? (FAQ)
- How Much is Auto Insurance for Teenage Males in Santa Ana? (FAQ)
- Who Has Cheap Car Insurance Rates for Drivers Over Age 60 in Santa Ana? (FAQ)
- Collision Insurance Coverage (Nationwide)
- Vehicle Insurance (Wikipedia)