Did you make the mistake of buying an overpriced insurance policy? Don't feel bad because there are many Santa Ana consumers feeling the pinch from expensive insurance.
It's a known fact that car insurance companies don't want you to look for cheaper rates. Consumers who compare rates at least once a year are highly likely to switch insurance companies because there is a great chance of finding a cheaper policy. A recent insurance study revealed that people who faithfully checked for cheaper rates saved an average of $3,500 over four years compared to drivers who never shopped around.
If saving the most money on Infiniti QX56 insurance in Santa Ana is why you're here, knowing how to choose a company and compare cheaper coverage can help you succeed in saving money. Many car insurance companies compete to insure your vehicles, so it can be very hard to choose a insurer to find the best rates possible on Infiniti QX56 insurance in Santa Ana.
If you have a policy now or are looking for a new policy, use these tips to get lower rates without reducing protection. Finding the cheapest auto insurance coverage in Santa Ana can be much easier if you know how to start. Comparison shoppers just need to learn how to shop from multiple carriers.
The quickest way to compare rates for Infiniti QX56 insurance in Santa Ana takes advantage of the fact car insurance companies allow for online access to provide you with free rate quotes. All you need to do is provide a small amount of information like how much education you have, if you have an active license, if the vehicle is leased, and types of safety features. The data is instantly sent to multiple top-rated companies and they return cost estimate very quickly.
If you would like to start a quote now, click here and find out if lower rates are available in Santa Ana.
The companies in the list below provide price quotes in Santa Ana, CA. If multiple companies are shown, we suggest you compare several of them to find the lowest car insurance rates.
These six discounts can lower your auto insurance quotes
Auto insurance is neither fun to buy or cheap, but you might be missing out on some discounts that may help make it more affordable. A few discounts will be applied when you quote, but occasionally some discounts must be inquired about before they will apply.
- ABS Braking Discount - Cars, trucks, and SUVs equipped with ABS or steering control can stop better under adverse conditions so you can save 10 percent or more.
- Passenger Safety Discount - Vehicles equipped with air bags or automatic seat belts may qualify for discounts of more than 20%.
- Professional Organizations - Joining qualifying employment or professional organizations can get you a small discount on your next auto insurance statement.
- Save over 55 - Drivers that qualify as senior citizens may receive lower premium rates.
- Accident Waiver - This one is not really a discount per se, but some insurance companies allow you one accident without raising rates if your claims history is clear for a particular time prior to the accident.
- Anti-theft System - Anti-theft and alarm system equipped vehicles help deter theft and earn discounts up to 10% off your Santa Ana car insurance quote.
As a disclaimer on discounts, some of the credits will not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like collision or personal injury protection. So when it seems like adding up those discounts means a free policy, nobody gets a free ride.
The chart below compares Infiniti QX56 insurance rates with and without discounts. The premiums assume a male driver, no claims or violations, California state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, homeowner, multi-car, safe-driver, and claim-free discounts applied.
Companies that may offer policyholders these discounts include:
Before you buy a policy, ask every insurance company which discounts can lower your rates. Some discounts listed above might not be offered on policies in Santa Ana. To see auto insurance companies that can offer you the previously mentioned discounts in Santa Ana, click this link.
Data for Infiniti QX56 insurance
The premium table displayed next outlines different insurance coverage prices for Infiniti QX56 models. Having a better idea how auto insurance premiums are determined can help you make decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| QX56 2WD 4-Dr | $468 | $1072 | $534 | $32 | $160 | $2,266 | $189 |
| QX56 AWD 4-Dr | $468 | $1072 | $534 | $32 | $160 | $2,266 | $189 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Price estimates do not factor in specific location which can impact premiums significantly.
The information below demonstrates how deductible levels and can increase or decrease Infiniti QX56 annual premium costs for each different age category. The price estimates are based on a married male driver, full coverage, and no discounts are taken into consideration.
Impact of speeding/accidents on Santa Ana auto insurance rates
The information below shows how speeding tickets and accident claims can impact Infiniti QX56 car insurance costs for different age groups of insureds. The premiums assume a single male driver, comprehensive and collision coverage, $100 deductibles, and no additional discounts are factored in.
Auto insurance rates based on gender
The information below illustrates the difference between Infiniti QX56 annual premium costs for male and female drivers. The data assumes no driving violations, no at-fault accidents, full physical damage coverage, $100 deductibles, drivers are single, and no discounts are applied.
Infiniti QX56 liability-only versus full coverage
The diagram below illustrates the difference between Infiniti QX56 annual premium costs with full coverage compared to only the California minimum liability coverage. The rate quotes are based on a clean driving record, no claims, $250 deductibles, single marital status, and no policy discounts are applied.
Are you wasting money on full coverage?
There is no written rule of when to drop comprehensive and collision coverage on your policy, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is more than around 10% of replacement cost minus your deductible, then you might want to consider buying only liability coverage.
For example, let's say your Infiniti QX56 replacement value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would get paid by your company is $3,000 after paying your deductible. If premium cost is more than $300 a year to have full coverage, then it may be the right time to buy liability only.
There are some circumstances where only buying liability is not in your best interest. If you still owe money on your vehicle, you have to carry full coverage to protect the lienholder's interest. Also, if you can't afford to buy a different vehicle in case of an accident, you should not buy liability only.
Car insurance is available from your local insurance agencies
A small number of people still prefer to visit with an insurance agent and that is a smart decision Professional agents can answer important questions and will help you if you have claims. A nice benefit of getting free rate quotes online is the fact that you can find cheaper prices and still have an agent to talk to.
Once you complete this quick form, the coverage information is emailed to local insurance agents who will give competitive quotes and help you find cheaper coverage. You won't even need to find an agent on your own due to the fact that quote results will go to the email address you provide. If you have a need to compare prices from a specific insurance company, you can always jump over to their website and fill out the quote form the provide.
Picking the best insurance company should depend on more than just the premium amount. The answers to these questions are important, too.
- What insurance companies do they work with in Santa Ana?
- Will the quote change when the policy is issued?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Are claims handled at the agent's location?
- How much training do they have in personal risk management?
- What kind of financial rating does the company have?
How to choose the best auto insurance agent in Santa Ana
If you prefer to buy car insurance from a reliable insurance agent, there are two different types of agents to choose from. Agents in Santa Ana are classified as either independent agents or exclusive agents depending on their employer. Both types can sell car insurance policies, but it's worth mentioning the difference between them since it can affect the type of agent you choose.
Exclusive Agencies
Agents of this type normally can only provide a single company's rates like State Farm, Allstate, or Farmers Insurance. These agents are not able to give you multiple price quotes so they really need to provide good service. These agents are well schooled on their company's products which helps them compete with independent agents.
Listed below are Santa Ana exclusive agencies willing to provide comparison quotes.
Allstate Insurance: Ramon Valerio
117 S Harbor Blvd - Santa Ana, CA 92704 - (714) 775-5423 - View Map
Farmers Insurance - Manuel Acevedo
3500 S Bristol St #201 - Santa Ana, CA 92704 - (714) 433-2996 - View Map
Kelly Davis - State Farm Insurance Agent
2677 N Main St #150 - Santa Ana, CA 92705 - (714) 647-6303 - View Map
Independent Car Insurance Agents
Independent agencies often have affiliation with several companies so they can quote policies with multiple insurance companies and find the cheapest rate. To transfer your coverage to a different company, they simply move your policy to a different company which is easy for the insured.
When searching for an agent, you will definitely want to include price quotes from independent agents in order to compare the most rates.
The following are Santa Ana independent agents who can help you get comparison quotes.
Nuway Insurance Agency Inc.
410 N Bristol St - Santa Ana, CA 92703 - (714) 953-2117 - View Map
FIRST HOME INSURANCE AGENCY
1522 E 4th St - Santa Ana, CA 92701 - (714) 560-8835 - View Map
Velece Insurance
830 N Ross St - Santa Ana, CA 92701 - (714) 558-1034 - View Map
Car insurance just makes sense
Despite the high cost, buying car insurance is most likely required but also gives you several important benefits.
- Most states have compulsory liability insurance requirements which means you are required to carry a specific level of liability protection 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 Infiniti, it's guaranteed your bank will make it mandatory that you buy insurance to guarantee loan repayment. If you let the policy lapse, the bank or lender will purchase a policy for your Infiniti for a much higher rate and force you to pay much more than you were paying before.
- Car insurance protects both your assets and your Infiniti. It will also pay for medical bills that are the result of an accident. Liability insurance also pays expenses related to your legal defense in the event you are sued. If damage is caused by hail or an accident, collision and comprehensive coverages will cover the repair costs.
The benefits of having insurance greatly outweigh the cost, especially for larger claims. According to a 2015 survey, the average American driver overpays as much as $855 a year so it's very important to do a rate comparison at every policy renewal to save money.
Auto insurance 101
Having a good grasp of your auto insurance policy aids in choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring. Below you'll find the normal coverages found on most auto insurance policies.
Collision protection
Collision insurance covers damage to your QX56 from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.
Collision can pay for claims such as crashing into a ditch, rolling your car, scraping a guard rail, colliding with a tree and backing into a parked car. This coverage can be expensive, so you might think about dropping it from vehicles that are older. It's also possible to bump up the deductible on your QX56 to save money on collision insurance.
Medical expense insurance
Med pay and PIP coverage provide coverage for immediate expenses for things like nursing services, dental work, surgery, prosthetic devices and pain medications. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers you and your occupants as well as getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay
Protection from uninsured/underinsured drivers
This gives you protection when the "other guys" either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle's occupants as well as your vehicle's damage.
Because many people only purchase the least amount of liability that is required (15/30/5), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.
Comprehensive (Other than Collision)
This coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive can pay for claims like fire damage, hitting a deer and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it's not worth much more than your deductible consider dropping full coverage.
Liability car insurance
This coverage protects you from injuries or damage you cause to people or other property that is your fault. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 15/30/5 that means you have a limit of $15,000 per injured person, a per accident bodily injury limit of $30,000, and property damage coverage for $5,000.
Liability can pay for things like funeral expenses, medical expenses and loss of income. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible. California state minimum liability requirements are 15/30/5 but you should think about purchasing more liability than the minimum.
The illustration below shows why buying the state minimum limits may not be enough coverage.
Santa Ana car insurance companies
Insuring your vehicle with a high-quality auto insurance provider is difficult considering how many different insurance companies sell coverage in Santa Ana. The ranking information in the next section could help you decide which car insurance companies to look at comparing rates from.
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+
Cheap auto insurance is out there
In this article, we presented some good ideas how to lower your Infiniti QX56 insurance rates in Santa Ana. It's most important to understand that the more rate quotes you have, the more likely it is that you will get a better rate. Consumers may even find the best price on auto insurance is with a smaller regional carrier. Smaller companies often have lower car insurance rates on specific markets than the large multi-state companies such as Allstate, GEICO and Progressive.
Budget-friendly auto insurance in Santa Ana is available online as well as from insurance agents, so get free Santa Ana car insurance quotes from both of them in order to have the best price selection to choose from. Some insurance providers don't offer online price quotes and most of the time these small, regional companies only sell coverage through local independent agencies.
When buying insurance coverage, it's very important that you do not sacrifice coverage to reduce premiums. There are many occasions where someone dropped physical damage coverage to discover at claim time that the small savings ended up costing them much more. The ultimate goal is to buy enough coverage at the best possible price, but do not skimp to save money.
Steps to finding affordable Infiniti QX56 insurance in Santa Ana
If your goal is the lowest price, then the best way to save on Infiniti QX56 insurance is to regularly compare price quotes from insurers who provide car insurance in Santa Ana.
Step 1: Try to understand how auto insurance works and the measures you can control to prevent rate increases. Many things that are responsible for high rates like at-fault accidents, speeding tickets, and poor credit can be remedied by being financially responsible and driving safely.
Step 2: Obtain price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give rate quotes from a single company like Progressive or Allstate, while agents who are independent can give you price quotes for a wide range of insurance providers.
Step 3: Compare the new rates to the price on your current policy and see if there is a cheaper rate in Santa Ana. If you find a lower rate quote, make sure there is no coverage gap between policies.
Step 4: Give notification to your current company to cancel your current auto insurance policy. Submit a completed policy application and payment to your new agent or company. Once the application is submitted, put the certificate verifying proof of insurance in a readily accessible location in your vehicle.
One important bit of advice is to compare identical deductibles and limits on each quote and and to get price estimates from every company you can. Doing this enables a level playing field and the best price selection.
Other learning opportunities
- Prepare your Teens for Safe Driving (InsureUonline.org)
- Who Has the Cheapest Auto Insurance for a Kia Forte in Santa Ana? (FAQ)
- What Auto Insurance is Cheapest for Drivers with a Bad Driving Record in Santa Ana? (FAQ)
- Tread Depth and Tire Safety (State Farm)
- How Much Auto Coverage do I Need? (Insurance Information Institute)