How to Compare Santa Ana Mazda 2 Insurance

Wish you could get out of an under-performing, overpriced car insurance policy? Trust us, there are many people just like you.

Everyone knows that insurance companies don't want you shop around. Drivers who compare rates annually are very likely to switch car insurance companies because there is a high probability of finding coverage at a cheaper rate. A recent car insurance study discovered that people who compared rate quotes regularly saved on average $3,450 over four years compared to other drivers who never shopped around.

If finding low prices for insurance is the reason you're reading this, then learning about how to quote and compare insurance can make the process more efficient.

How to find the cheapest rates for Mazda 2 insurance in Santa Ana

It takes a few minutes, but the best way to get discount car insurance rates in Santa Ana is to compare prices regularly from insurers in California.

• Step 1: Spend a few minutes and learn about the different coverages in a policy and the steps you can take to drop your rates. Many policy risk factors that are responsible for high rates such as at-fault accidents, speeding tickets, and an unacceptable credit history can be eliminated by being financially responsible and driving safely.
• Step 2: Request price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give prices from a single company like Progressive and State Farm, while independent agencies can provide rate quotes for many different companies. Compare rates now
• Step 3: Compare the price quotes to your existing rates to determine if switching companies saves money. If you find a lower rate and change companies, make sure there is no lapse between the expiration of your current policy and the new one.

A good tip to remember is to use the same amount of coverage on every price quote and and to get price estimates from as many companies as you can. Doing this guarantees a level playing field and a complete selection of prices.

Drivers have multiple insurance companies to pick from, and although it's a good thing to have a selection, more options can take longer to adequately compare rates for Mazda 2 insurance in Santa Ana.

The most recommended method to compare car insurance rates for Mazda 2 insurance in Santa Ana is to realize all the major auto insurance companies participate in a system to compare rate quotes. The only thing you need to do is take a few minutes to give details including whether you are married, your credit rating estimate, which vehicles you own, and whether your vehicle is owned or leased. Your information is automatically sent to multiple companies and you will receive price estimates very quickly.

To start a quote now, click here then complete the form.

The auto insurance companies shown below provide free rate quotes in Santa Ana, CA. If multiple providers are shown, we suggest you get prices from several of them in order to get a fair rate comparison.

Here's why auto insurance is not optional

Even though it's not necessarily cheap to insure a Mazda in Santa Ana, maintaining insurance is mandatory in California but it also protects more than you think.

• Just about all states have minimum liability requirements which means state laws require a minimum amount of liability protection if you don't want to risk a ticket. 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 2, almost every bank will make it a condition of the loan that you have insurance to guarantee their interest in the vehicle. If you do not keep the policy in force, the bank may buy a policy for your Mazda at an extremely high rate and make you pay the higher price.
• Auto insurance preserves both your car and your personal assets. It will also provide coverage for medical transport and hospital expenses for both you and anyone you injure as the result of an accident. Liability insurance, one of your policy coverages, also pays expenses related to your legal defense if you are named as a defendant in an auto accident. If damage is caused by hail or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay to restore your vehicle to like-new condition.

The benefits of buying auto insurance definitely exceed the price paid, especially with large liability claims. The average driver in California is overpaying over $820 a year so compare rate quotes each time the policy renews to be sure current rates are still competitive.

Five Things That Impact Your Insurance Costs

Many different elements are taken into consideration when you get a price on insurance. Some are pretty understandable like an MVR report, but other factors are less obvious like where you live or how safe your car is.

• Always keep your insurance in force - Having an insurance coverage lapse will be a sure-fire way to increase your rates. And not only will your rates increase, the inability to provide proof of insurance can result in a license revocation or jail time. You may then be required to prove you have insurance by filing a SR-22 with the California department of motor vehicles.
• Insurance companies don't like frequent claims - Car insurance companies in California generally give most affordable rates to people who are claim-free. If you frequently file small claims, you can expect increased rates or even have your policy non-renewed. Your insurance policy is designed for larger claims.
• Teenagers vs. older drivers - Youthful drivers in California have been known to be inattentive when behind the wheel so they pay higher insurance rates. Older, more experienced drivers are more responsible, file fewer claims, and receive fewer citations.
• Certain jobs raise prices - Jobs like real estate brokers, airline pilots, and emergency personnel generally pay higher average rates in part from high stress levels and extremely grueling work hours. On the other hand, careers such as scientists, historians and the unemployed have lower than average premiums.
• Credit rating impacts premium premiums - Your credit score is a large factor in calculating your insurance rates. If your credit is low, you may save money insuring your Mazda 2 by improving your credit score. Drivers with very good credit scores tend to be better risks to insure as compared to drivers with lower ratings.

Get discounts to get affordable Santa Ana insurance rates

Some providers don't necessarily list all their discounts very clearly, so we researched a few of the more well known and also the lesser-known discounts you could be receiving when you buy Santa Ana car insurance online.

• Cautious Drivers - Drivers who avoid accidents can save up to 40% or more on their Santa Ana car insurance quote than less cautious drivers.
• Multi-car Discount - Buying a policy with several vehicles with the same insurance company can get a discount on all vehicles.
• Seat Belt Discounts - Drivers who require all vehicle occupants to use their safety belts could save 15% on the medical payments or PIP coverage costs.
• Home Ownership Discount - Simply owning a home can help you save on insurance because maintaining a house is proof that your finances are in order.
• Pay Upfront and Save - If paying your policy premium upfront rather than paying monthly you may reduce your total bill.
• Claim Free - Drivers with accident-free driving histories have much lower rates when compared to bad drivers.
• Senior Discount - Seniors can get a small decrease in premiums.
• College Student - Any of your kids who are enrolled in a college that is more than 100 miles from Santa Ana and do not have access to a covered vehicle may be insured at a cheaper rate.
• Discount for New Cars - Buying coverage on a new vehicle can cost up to 25% less since new model year vehicles have better safety ratings.

Remember that most discount credits are not given to the overall cost of the policy. Most only reduce the price of certain insurance coverages like comprehensive or collision. Just because it seems like you could get a free insurance policy, you aren't that lucky. Any qualifying discounts will help reduce your policy cost.

Larger insurance companies and a summarized list of policyholder discounts include:

• GEICO may have discounts that include federal employee, anti-lock brakes, emergency military deployment, five-year accident-free, anti-theft, and daytime running lights.
• Mercury Insurance has savings for location of vehicle, annual mileage, age of vehicle, ease of repair, good driver, type of vehicle, and anti-theft.
• Farmers Insurance may offer discounts for business and professional, homeowner, pay in full, electronic funds transfer, and youthful driver.
• Auto-Owners Insurance offers premium reductions for mature driver, student away at school, anti-theft, good student, and group or association.
• Liberty Mutual offers discounts for hybrid vehicle, newly married, multi-car, good student, and teen driver discount.
• SAFECO has discounts for anti-theft, teen safety rewards, drive less, teen safe driver, and multi-car.
• Progressive policyholders can earn discounts including continuous coverage, multi-policy, online quote discount, multi-vehicle, online signing, and homeowner.
• USAA offers discounts including vehicle storage, good student, military installation, family discount, multi-vehicle, annual mileage, and multi-policy.

When comparing rates, check with every company which discounts they offer. Some of the discounts discussed earlier might not be offered on policies in your state. If you would like to view insurance companies with discount rates in California, click here.

Don't assume everyone needs the same car insurance coverage

Keep in mind that when it comes to choosing coverage for your vehicles, there really isn't a one size fits all plan. Your needs are unique to you.

Here are some questions about coverages that might help in determining whether you may require specific advice.

• Do I have coverage when making deliveries for my home business?
• Do I have coverage if I rent a car in Mexico?
• Is my teen driver covered when they drive my company car?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Is my son or daughter covered when driving my car?
• Is extra glass coverage worth it?
• Do all my vehicles need collision coverage?
• Will I lose any money if I cancel my policy before it expires?
• How much cheaper are high deductibles?
• Do I have newly-acquired coverage?

If you're not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It's fast, doesn't cost anything and can help protect your family.

Insurance quotes from local Santa Ana insurance agents

Some people would rather talk to an insurance agent and often times that is recommended Professional agents can help you build your policy and give you someone to call. A nice benefit of comparing rates online is the fact that you can find cheap insurance rates but still work with a licensed agent. And providing support for neighborhood agents is still important in Santa Ana.

Upon completion of this quick form, your information is immediately sent to agents in your area that give free quotes and help you find cheaper coverage. You won't need to drive around as quotes are delivered to your email. If for some reason you want to get a comparison quote from one company in particular, just search and find their rate quote page and give them your coverage information.

Choose the right car insurance agent

If you want to use a reliable agent, you should know the different types of agencies that you can select. Agents in Santa Ana are considered either exclusive agents or independent agents. Both can sell insurance policies, but it's a good idea to understand the difference in the companies they write for because it may have an impact on the type of agent you choose.

Independent Agents (or Brokers)

Agents in the independent channel are appointed with more than one company so as a result can place your coverage with an assortment of companies and get the cheapest rates. If premiums increase, your agent can switch companies which is easy for the insured.

If you need lower rates, you need to compare quotes from multiple independent agents to maximize your price options.

The following is a short list of independent insurance agents in Santa Ana that may be able to give price quote information.

More insurance agents

Exclusive Agents

Agents in the exclusive channel are contracted to one company like Allstate, Farmers Insurance, State Farm, and AAA. Exclusive agents are unable to place coverage with different providers so they have no alternatives for high prices. Exclusive agencies are usually well trained on their company's products which helps them sell insurance even at higher premiums.

Below are exclusive insurance agencies in Santa Ana that can give you comparison quotes.

More insurance agents

Finding the right car insurance agent is decision based upon more than just the quoted price. You should also get answers to these questions.

• Is every driver in your family covered?
• How are claims handled?
• Are they full-time agents?
• Will one accident increase rates?
• Did they already check your driving record and credit reports?
• Can you get a list of referrals?
• Do they prorate repair cost based on vehicle mileage?

After receiving positive responses to any questions you may have and a low price estimate, it's possible that you found an insurance agency that is professional and can provide insurance coverage.

Cover all your bases

Lower-priced insurance in Santa Ana can be bought online and from local agencies, so you should be comparing quotes from both to have the best chance of lowering rates. Some companies don't offer internet price quotes and usually these small, regional companies only sell coverage through independent agents.

Drivers switch companies for any number of reasons including denial of a claim, extreme rates for teen drivers, delays in responding to claim requests or being labeled a high risk driver. Regardless of your reason for switching companies, choosing a new insurance company is easier than you think.

You just read some good ideas how to find lower-cost Mazda 2 insurance in Santa Ana. It's most important to understand that the more price quotes you have, the better chance you'll have of finding cheaper Santa Ana car insurance quotes. You may even be surprised to find that the most savings is with a smaller regional carrier.

Steps to quoting cheaper Mazda 2 insurance in Santa Ana

If you want to save the most money, the best way to get more affordable auto insurance rates is to compare quotes annually from insurers who sell insurance in Santa Ana. Rate comparisons can be done by following these steps.

1. Try to understand policy coverages and the factors you can control to lower rates. Many rating factors that drive up the price such as traffic citations, accidents, and an imperfect credit score can be eliminated by being financially responsible and driving safely.
2. Obtain price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can provide rates from one company like Progressive and State Farm, while agents who are independent can provide price quotes from multiple sources. View insurance agents
3. Compare the new rate quotes to the price on your current policy to see if you can save by switching companies. If you can save some money, make sure there is no lapse in coverage.
4. Provide notification to your current agent or company to cancel your existing policy. Submit a down payment and signed policy application for your new policy. As soon as you can, put the proof of insurance certificate along with your vehicle registration.

One important bit of advice is that you'll want to compare the same level of coverage on each quote and and to get prices from as many different insurance providers as possible. Doing this guarantees a fair rate comparison and the best price selection.

Additional detailed information is located at these sites:

• Insurance Losses by Make and Model (iihs.org)
• Who Has Cheap Santa Ana Car Insurance Rates for Postal Workers? (FAQ)
• Who Has Affordable Auto Insurance Quotes for a Toyota Highlander in Santa Ana? (FAQ)
• How Much are Santa Ana Car Insurance Quotes for a Ford Escape? (FAQ)
• Auto Insurance for Teen Drivers (Insurance Information Institute)
• Learn About Car Insurance (GEICO)