Everyone knows that auto insurance companies don't want you to look for cheaper rates. Insureds who shop around annually will probably buy a different policy because there are good odds of finding a policy with better rates. Remarkably, a study showed that consumers who did price comparisons regularly saved an average of $3,500 over four years compared to policyholders who never compared prices.
If finding the most affordable auto insurance in Santa Ana is your ultimate target, then learning about how to quote and compare insurance can save time and money.
If you want to save the most money, the best way to find better pricing on car insurance rates is to make a habit of comparing prices annually from different companies who sell auto insurance in Santa Ana.
First, read and learn about what coverages are included in your policy and the factors you can control to prevent rate increases. Many things that increase rates such as careless driving and an imperfect credit score can be amended by making minor driving habit or lifestyle changes.
Second, quote rates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give prices from one company like GEICO and Allstate, while independent agents can provide price quotes from multiple insurance companies. View prices
Third, compare the new rates to your existing rates to see if cheaper Elantra coverage is available in Santa Ana. If you can save money, make sure coverage is continuous and does not lapse.
Fourth, provide proper notification to your current company of your decision to cancel your current auto insurance policy and submit a signed application and payment for your new policy. Once received, keep your new certificate verifying proof of insurance in an accessible location in your vehicle.
One key aspect of rate comparisons is to make sure you enter the same coverage limits and deductibles on every price quote and and to get rate quotes from every company you can. This helps ensure an accurate price comparison and a better comparison of the market.
Finding the cheapest coverage in Santa Ana is really not that difficult. If you currently have car insurance, you will most likely be able to cut your premiums using the techniques covered below. But California vehicle owners can benefit by having an understanding of how insurance companies calculate your car insurance rates and take advantage of how the system works.
It's important to know that comparing more rates from different companies will improve the odds of getting the best rates. Not every company does Santa Ana Elantra insurance quotes online, so you should also compare rates from them as well.
The companies in the list below can provide comparison quotes in Santa Ana, CA. If the list has multiple companies, we suggest you click on several of them to get the cheapest price.
Why you need to buy insurance
Despite the potentially high cost of Hyundai Elantra insurance, paying for insurance is not optional due to several reasons.
- Most states have mandatory insurance requirements which means you are required to carry a specific minimum amount of liability insurance if you drive a vehicle. 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 Hyundai, most banks will stipulate that you have physical damage coverage to guarantee payment of the loan. If you do not keep the policy in force, the bank or lender will purchase a policy for your Hyundai at a significantly higher premium and make you pay a much higher amount than you were paying before.
- Insurance protects both your Hyundai and your personal assets. It will also cover medical transport and hospital expenses that are the result of an accident. Liability insurance, one of your policy coverages, also pays expenses related to your legal defense if you are sued as the result of your driving. If your car is damaged in a storm or accident, your policy will pay all costs to repair after the deductible has been paid.
The benefits of carrying adequate insurance are definitely more than the cost, particularly if you ever have a claim. The average driver in California is overpaying over $830 a year so compare rates each time the policy renews to save money.
Coverage analysis
The coverage table displayed next showcases a range of insurance costs for Hyundai Elantra models. Having a good grasp of how rates are formulated can benefit drivers when making informed decisions when comparing rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Elantra GLS Touring Station Wagon | $340 | $472 | $492 | $30 | $148 | $1,482 | $124 |
| Elantra Blue 4-Dr Sedan | $340 | $678 | $578 | $34 | $174 | $1,804 | $150 |
| Elantra GLS 4-Dr Sedan | $390 | $678 | $578 | $34 | $174 | $1,854 | $155 |
| Elantra SE 4-Dr Sedan | $390 | $678 | $578 | $34 | $174 | $1,854 | $155 |
| Elantra SE Touring Station Wagon | $390 | $576 | $492 | $30 | $148 | $1,636 | $136 |
| Get Your Own Custom Quote Go | |||||||
Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Premium costs do not factor in garaging location in Santa Ana which can raise or lower premiums considerably.
Can higher deductibles save money?
One of the most common auto insurance questions is how high should the physical damage coverage deductibles be. The figures shown below can help you understand the premium difference when you buy lower versus higher insurance deductibles. The first rate estimation uses a $100 deductible for comprehensive and collision coverage and the second rate chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Elantra GLS Touring Station Wagon | $332 | $564 | $376 | $22 | $112 | $1,431 | $119 |
| Elantra Blue 4-Dr Sedan | $332 | $810 | $442 | $26 | $132 | $1,767 | $147 |
| Elantra GLS 4-Dr Sedan | $380 | $810 | $442 | $26 | $132 | $1,815 | $151 |
| Elantra SE 4-Dr Sedan | $380 | $810 | $442 | $26 | $132 | $1,815 | $151 |
| Elantra SE Touring Station Wagon | $380 | $686 | $376 | $22 | $112 | $1,601 | $133 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Elantra GLS Touring Station Wagon | $242 | $382 | $376 | $22 | $112 | $1,134 | $95 |
| Elantra Blue 4-Dr Sedan | $242 | $546 | $442 | $26 | $132 | $1,388 | $116 |
| Elantra GLS 4-Dr Sedan | $278 | $546 | $442 | $26 | $132 | $1,424 | $119 |
| Elantra SE 4-Dr Sedan | $278 | $546 | $442 | $26 | $132 | $1,424 | $119 |
| Elantra SE Touring Station Wagon | $278 | $464 | $376 | $22 | $112 | $1,252 | $104 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Prices do not factor in the specific area where the vehicle is garaged which can alter premiums noticeably.
We can derive from the above data that using a $100 deductible will cost you about $29 more each month or $348 every year averaged for all Elantra models than choosing the higher $500 deductible. Since you would pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you tend to have at a minimum 14 months between claims, you would most likely save money if you opt for a higher deductible. The table below shows how you can make this decision for your own policy.
| Average monthly premium for $100 deductibles: | $140 |
| Average monthly premium for $500 deductibles (subtract): | - $111 |
| Monthly savings from raising deductible: | $29 |
| Difference between deductibles ($500 - $100): | $400 |
| Divide difference by monthly savings: | $400 / $29 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 14 months |
The illustration below illustrates how your choice of deductibles and can raise or lower Hyundai Elantra annual premium costs for different ages of insureds. The data is based on a single female driver, full physical damage coverage, and no discounts are taken into consideration.
Cheap Hyundai Elantra insurance rates in Santa Ana
Not many people think insurance is cheap, but discounts can save money and there are some available to help bring down the price. Many discounts should be triggered at the time of purchase, but some discounts are required to be asked for prior to receiving the credit.
- Home Ownership Discount - Owning a home in Santa Ana can save a few bucks due to the fact that maintaining a home shows financial diligence.
- Service Members Pay Less - Being on active duty in the military may lower your rates slightly.
- Telematics Data - Insureds who allow companies to scrutinize their driving habits through the use of a telematics system such as Progressive's Snapshot could possibly reduce rates if they are good drivers.
- Seat Belts Save - Drivers who require all vehicle occupants to buckle up can save a little on the medical payments or PIP coverage costs.
- Driver Safety - Completing a defensive driving class could possibly earn you a 5% discount if your company offers it.
- Discounts for Federal Employees - Being employed by or retired from a federal job may reduce rates when you quote Santa Ana auto insurance with a few car insurance companies.
Discounts save money, but please remember that most discounts do not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like liability and collision coverage. Just because you may think you can get free auto insurance, it doesn't quite work that way.
The example below shows the comparison of Hyundai Elantra insurance premiums with and without discounts applied to the rates. The costs are based on a female driver, no claims, a clean driving record, California state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, multi-policy, homeowner, claim-free, and safe-driver discounts applied.
The best car insurance companies and some of the discounts are detailed below.
- GEICO includes discounts for five-year accident-free, federal employee, good student, anti-lock brakes, and multi-vehicle.
- Auto-Owners Insurance offers premium reductions for good student, anti-lock brakes, mature driver, paid in full, air bags, safe driver, and anti-theft.
- American Family discounts include early bird, bundled insurance, Steer into Savings, air bags, defensive driver, and good driver.
- Esurance may offer discounts for renters, multi-car, homeowner, multi-policy, and anti-lock brakes.
- Progressive may include discounts for good student, multi-vehicle, continuous coverage, online signing, and homeowner.
- State Farm offers discounts for Drive Safe & Save, multiple autos, accident-free, passive restraint, good student, and good driver.
- AAA may have discounts that include anti-theft, pay-in-full, AAA membership discount, good student, and multi-policy.
When comparing rates, check with each company which discounts they offer. Some discounts listed above might not be offered in your area.
Auto insurance quotes from local Santa Ana insurance agents
A lot of people would prefer to buy from a licensed agent and doing so can bring peace of mind A good thing about comparing rate quotes online is that you can find cheaper prices and still have an agent to talk to.
To make it easy to find an agent, after completing this short form, your insurance data is submitted to participating agents in Santa Ana who will give competitive quotes for your coverage. You don't have to visit any agencies since rate quotes are delivered directly to you. You can get cheaper auto insurance rates and work with a local agent. If for some reason you want to quote rates from a particular provider, you would need to go to their quote page and fill out the quote form the provide.
Choosing an provider shouldn't rely on just a cheap quote. You should also get answers to these questions.
- How would your car be valued if totaled?
- Do they offer claims assistance after hours?
- Are they giving you every discount you deserve?
- Is their price quote a firm figure or are their hidden costs?
- Can they provide you with a list of referrals?
- Can glass repairs be made at your home?
- Where are claims handled?
Not all car insurance agents are the same
When finding a local insurance agency, you must know there are a couple types of insurance agents and how they work. Santa Ana agents are considered either independent or exclusive.
Exclusive Agencies
Agents that elect to be exclusive work for only one company such as State Farm, Allstate, or Farmers Insurance. These agents are unable to give you multiple price quotes so you might not find the best rates. They are trained well on their company's products which can be an advantage. Some people will only choose to use a exclusive agent mostly because of high brand loyalty rather than having low rates.
The following are Santa Ana exclusive insurance agencies who may provide you with price quote information.
- Aidee Lopez - State Farm Insurance Agent
3750 W McFadden Ave e - Santa Ana, CA 92704 - (714) 775-3090 - View Map - Eddie Quillares Jr - State Farm Insurance Agent
415 N Broadway - Santa Ana, CA 92701 - (714) 617-7150 - View Map - Farmers Insurance - Araceli Padilla
2424 N Grand Ave b - Santa Ana, CA 92705 - (714) 543-4638 - View Map
Independent Agents
These type of agents are not employed by one company and that is an advantage because they can write policies through lots of different companies and find the cheapest auto insurance rates. To move your coverage to a new company, your agent can switch companies without you having to go to a different agency. When comparing rates, you should always include price quotes from several independent agencies in order to have the best price comparison. They often place coverage with lesser-known insurance companies which may provide better rates.
Listed below is a list of independent insurance agencies in Santa Ana willing to provide price quote information.
- Auto Express Insurance Agency
202 S Grand Ave - Santa Ana, CA 92701 - (800) 400-3038 - View Map - Everett Callahan Insurance Agency, Inc
1913 17th St - Santa Ana, CA 92705 - (714) 246-8976 - View Map - Mary Juarez Insurance
1227 W 1st St c - Santa Ana, CA 92703 - (714) 542-5914 - View Map
If you receive positive feedback to these questions and a low price estimate, it's a good possibility that you have found an insurance agency that meets your needs to insure your vehicles.
The lowest rates come from being thorough
We just presented a lot of ways to shop for Hyundai Elantra insurance online. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. Drivers may even discover the best price on insurance is with a company that doesn't do a lot of advertising.
As you restructure your insurance plan, you should never buy poor coverage just to save money. In many instances, an insured dropped full coverage only to regret that the savings was not a smart move. The aim is to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.
Consumers who switch companies do it for a variety of reasons including delays in responding to claim requests, extreme rates for teen drivers, unfair underwriting practices or policy cancellation. No matter why you want to switch, finding a new company is pretty simple and you could end up saving a buck or two.
Additional learning opportunities
- Think You're a Safe Driver? (State Farm)
- What is the Cheapest Auto Insurance in Santa Ana, CA? (FAQ)
- Who Has Cheap Santa Ana Auto Insurance Rates for Drivers Requiring a SR22? (FAQ)
- Who Has the Cheapest Auto Insurance for a Honda Civic in Santa Ana? (FAQ)
- What Auto Insurance is Cheapest for 4x4 Vehicles in Santa Ana? (FAQ)
- What Auto Insurance is Cheapest for High School Students in Santa Ana? (FAQ)
- Who Has Affordable Auto Insurance for a Ford Explorer in Santa Ana? (FAQ)
- Steps to Take After an Auto Accident (Insurance Information Institute)
- Prepare your Teens for Safe Driving (InsureUonline.org)
- Avoiding Deer Collisions (Insurance Information Institute)