If saving the most money is your goal, then the best way to save on Nissan Armada insurance in Santa Ana is to begin comparing prices regularly from companies who provide auto insurance in California.
Step 1: Gain an understanding of the coverage provided by your policy and the steps you can take to keep rates low. Many risk factors that drive up the price like traffic citations and your credit history can be remedied by being financially responsible and driving safely. This article provides the details to find cheap prices and find available discounts that you may qualify for.
Step 2: Quote rates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can give quotes from a single company like Progressive and State Farm, while agents who are independent can give you price quotes for many different companies.
Step 3: Compare the quotes to the premium of your current policy to determine if switching companies saves money. If you find better rates and decide to switch, make sure there is no lapse between the expiration of your current policy and the new one.
Step 4: Give proper notification to your current agent or company of your intention to cancel your current policy and submit a signed application and payment for your new policy. Be sure to put the certificate of insurance in an easily accessible location.
One bit of advice is to try to use the same level of coverage on every quote and and to get prices from as many companies as feasibly possible. Doing this ensures a level playing field and the best price quote selection.
Astonishing but true, the vast majority of insurance customers kept their coverage with the same insurance company for at least four years, and roughly 40% of drivers have never shopped around. Santa Ana insurance shoppers can save nearly $469 each year, but they assume it's a waste of time to compare rate quotes.
If you have a current auto insurance policy, you should be able to buy cheaper auto insurance using the ideas covered in this article. Quoting and buying affordable protection in Santa Ana is not as hard as you may think. But California car owners benefit from understanding how big insurance companies market insurance on the web because it can help you find the best coverage.
The quickest method we recommend to compare car insurance company rates for Nissan Armada insurance in Santa Ana is to know the trick most larger insurance companies participate in a system to compare their rates. To begin a comparison, all you need to do is provide a small amount of information like whether you have decent credit, driver details, if a SR-22 is needed, and the year, make and model of vehicles. The rating information is instantly sent to multiple companies and they return rate quotes almost instantly.
To compare affordable Nissan Armada insurance rates now, click here and find out if lower rates are available in Santa Ana.
The companies in the list below have been selected to offer free quotes in Santa Ana, CA. If the list has multiple companies, it's highly recommended you get rates from several of them to get the lowest price.
Nissan Armada insurance rate analysis
The coverage table displayed next outlines different insurance rates for Nissan Armada models. Being more informed about how car insurance prices are established can be of help when making smart choices when selecting a coverage provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Armada SE 2WD | $390 | $632 | $386 | $22 | $116 | $1,546 | $129 |
| Armada SE 4WD | $390 | $744 | $386 | $22 | $116 | $1,658 | $138 |
| Armada Titanium 2WD | $390 | $744 | $386 | $22 | $116 | $1,658 | $138 |
| Armada Titanium 4WD | $390 | $744 | $386 | $22 | $116 | $1,658 | $138 |
| Armada Platinum 2WD | $390 | $744 | $386 | $22 | $116 | $1,658 | $138 |
| Armada Platinum 4WD | $436 | $744 | $386 | $22 | $116 | $1,704 | $142 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Information does not factor in the specific area where the vehicle is garaged which can alter premium rates noticeably.
How high should deductibles be?
One of the most common car insurance questions is where to set your physical damage deductibles. The rates shown below may help you to understand the costs and benefits between low and high physical damage deductibles. The first set of rates uses a $250 deductible and the second rate table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Armada SE 2WD | $386 | $576 | $376 | $22 | $112 | $1,497 | $125 |
| Armada SE 4WD | $386 | $678 | $376 | $22 | $112 | $1,599 | $133 |
| Armada Titanium 2WD | $386 | $678 | $376 | $22 | $112 | $1,599 | $133 |
| Armada Titanium 4WD | $386 | $678 | $376 | $22 | $112 | $1,599 | $133 |
| Armada Platinum 2WD | $386 | $678 | $376 | $22 | $112 | $1,599 | $133 |
| Armada Platinum 4WD | $430 | $678 | $376 | $22 | $112 | $1,643 | $137 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Armada SE 2WD | $238 | $362 | $376 | $22 | $112 | $1,110 | $93 |
| Armada SE 4WD | $238 | $426 | $376 | $22 | $112 | $1,174 | $98 |
| Armada Titanium 2WD | $238 | $426 | $376 | $22 | $112 | $1,174 | $98 |
| Armada Titanium 4WD | $238 | $426 | $376 | $22 | $112 | $1,174 | $98 |
| Armada Platinum 2WD | $238 | $426 | $376 | $22 | $112 | $1,174 | $98 |
| Armada Platinum 4WD | $266 | $426 | $376 | $22 | $112 | $1,202 | $100 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Estimates do not factor in garaging location in Santa Ana which can modify prices significantly.
Based on these figures, using a $250 deductible will cost you about $34 more each month or $408 a year than selecting the higher $1,000 deductible. Because you would pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally go at least 22 months between claim filings, you would save more money if you choose a higher deductible.
Nissan Armada insurance premiums by gender
The diagram below illustrates the difference between Nissan Armada premium costs for male and female drivers. The information is based on a clean driving record, no at-fault accidents, full physical damage coverage, $500 deductibles, drivers are single, and no discounts are factored in.
Choosing vehicle insurance is an important decision
Even though it can be expensive, insurance is not optional due to several reasons.
- The majority of states have mandatory insurance requirements which means you are required to buy 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 your Armada has a loan, almost every bank will stipulate that you carry insurance to ensure loan repayment if the vehicle is totaled. If you do not keep the policy in force, the bank or lender will purchase a policy for your Nissan at a much higher rate and force you to reimburse them for the much more expensive policy.
- Insurance protects both your Nissan 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. As part of your policy, liability insurance will also pay for a defense attorney if someone files suit against you as the result of an accident. If you have damage to your Nissan as the result of the weather or an accident, collision and comprehensive coverages will pay to have it repaired.
The benefits of insuring your Armada greatly outweigh the cost, especially when you need to use it. According to a survey of 1,000 drivers, the average driver is overpaying over $800 each year so it's important to compare rates at every renewal to ensure rates are inline.
Nissan Armada Insurance Cost Factors
An important part of buying insurance is that you know the rating factors that aid in calculating your premiums. When you understand what influences your rates, this enables informed choices that will entitle you to lower premium levels. Lots of things are used when you get your auto insurance bill. Some are pretty understandable such as traffic violations, but other criteria are less apparent such as whether you are married and annual miles driven.
The list below includes a partial list of the pieces utilized by car insurance companies to help set your prices.
Proper usage rating affects prices - The more you drive each year the more you'll pay to insure your vehicle. Most companies charge rates determined by how the vehicle is used. Cars that are left in the garage qualify for better rates as compared to vehicles used primarily for driving to work. It's always a good idea to double check that your insurance policy is showing the right rating data. Incorrect rating for your Armada is just wasting money.
When should you file insurance claims? - If you are the type of insured that files lots of claims you can expect higher premiums or even policy non-renewal. Insurance companies in California provide most affordable rates to people who only file infrequent claims. Auto insurance is meant to be used in the event of claims that you cannot pay yourself.
Getting married reduces risk - Your spouse may save some money on your policy. Having a significant other generally demonstrates drivers are more mature and responsible and insurance companies like that married drivers tend to file fewer claims.
Consider raising comp and collision deductibles - Comp and collision deductibles define the amount you are required to spend if a claim is determined to be covered. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. Some examples of claims that would be covered are colliding with a stationary object, collision with a deer, or theft of your vehicle. The more money you're willing to pay, the better rate you will receive.
Insurance loss probability for a Nissan Armada - Car insurance companies factor in historical loss data when they calculate premium prices for each model. Vehicles that the data determines to have high amounts or severity of claims will cost more for coverage.
The data below shows the historical insurance loss data for Nissan Armada vehicles. For each coverage type, the statistical loss for all vehicles, as a total average, equals 100. Values that are under 100 represent a good loss history, while values over 100 indicate frequent claims or an increased probability of a larger loss.
| Vehicle Make and Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Nissan Armada 4dr 2WD | 94 | 104 | 93 | 106 | 87 | |
| Nissan Armada 4dr 4WD | 123 | 120 | 109 | 91 | 69 |
Empty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years
Save money by taking advantage of discounts
Auto insurance companies don't always list all discounts in an easy-to-find place, so below is a list both well-publicized and the harder-to-find credits available to bring down your rates.
- Defensive Driver Discount - Taking time to complete a course that instructs on driving safety could possibly earn you a 5% discount depending on where you live.
- Discount for Passive Restraints - Options like air bags and/or automatic seat belt systems can get savings of 25 to 30%.
- Student Discounts - Performing well in school may save as much as 25% on a Santa Ana auto insurance quote. This discount can apply until age 25.
- Discount for New Cars - Buying insurance coverage on a new vehicle can be considerably cheaper compared to insuring an older model.
- Save with More Vehicles Insured - Buying a policy with multiple cars or trucks with one company can reduce the rates for all insured vehicles.
- Government Employee Discount - Federal government employees can save as much as 8% depending on your insurance provider.
Discounts lower rates, but most of the big mark downs will not be given to all coverage premiums. Some only apply to specific coverage prices like collision or personal injury protection. Despite the fact that it seems like you can get free auto insurance, company stockholders wouldn't be very happy.
The illustration below visualizes the comparison of Nissan Armada premium costs with and without policy discounts. The information is based on a female driver, no claims or driving violations, California state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, safe-driver, multi-policy, marriage, and multi-car discounts applied.
A partial list of companies that may offer policyholders these benefits may include but are not limited to:
If you need lower rates, check with each insurance company which discounts can lower your rates. Some credits may not be offered everywhere. If you would like to choose from a list of providers that offer the discounts shown above in California, click here to view.
Car insurance agents can give valuable advice
Some people still prefer to visit with an insurance agent and that can be a great decision One of the great benefits of comparing rate quotes online is that you can find better rates but also keep your business local.
To make it easy to find an agent, after completing this short form, the coverage information is immediately sent to local insurance agents in Santa Ana that can provide free Santa Ana auto insurance quotes to get your business. It's much easier because you don't need to contact an agency due to the fact that quote results will go to you instantly. You can find better rates without a big time investment. If you want to get a comparison quote from one company in particular, you would need to search and find their rate quote page and give them your coverage information.
Finding a good company needs to be determined by more than just the price. Here are some questions you might want to ask.
- Can glass repairs be made at your home?
- Are they paid to recommend certain coverages?
- Is insurance their full-time profession?
- If your car is totaled, how to they determine the replacement cost?
- Is the agency active in community causes in Santa Ana?
- Do they offer claims assistance after hours?
- Are claims handled at the agent's location?
- Are they involved in claim handling?
If you prefer to buy car insurance from local Santa Ana agents, you should know the types of insurance agents and how they differ in how they can insure your vehicles. Agencies in Santa Ana can be described as either independent (non-exclusive) or exclusive.
Exclusive Agencies
These type of agents can only quote rates from one company like Farmers Insurance, State Farm, Allstate, and AAA. They are unable to place coverage with different providers so you might not find the best rates. Exclusive agents are well trained on their products and sales techniques which aids in selling service over price. Consumers often buy from the same agent for years partially due to the brand legacy and strong financial ratings.
Below is a list of exclusive agencies in Santa Ana that are able to give comparison quotes.
- Monica Drevon - State Farm Insurance Agent
3740 S Bristol St - Santa Ana, CA 92704 - (714) 966-2679 - View Map - Eddie Quillares Jr - State Farm Insurance Agent
415 N Broadway - Santa Ana, CA 92701 - (714) 617-7150 - View Map - State Farm Insurance: Luis Olmedo
600 S Grand Ave #101 - Santa Ana, CA 92705 - (714) 486-3441 - View Map
Independent Car Insurance Agencies
Independent agents are not employed by any specific company so they have the ability to put coverage with lots of companies enabling the ability to shop coverage around. If prices rise, they can switch companies in-house and you won't have to switch agencies. When comparing car insurance rates, we recommend you contact several independent agencies for the best price selection. Most also have access to small mutual carriers that can offer cheaper rates than bigger companies.
The following are independent agents in Santa Ana who can help you get price quotes.
- Barrett Insurance Agency
1438 S Main St - Santa Ana, CA 92707 - (714) 973-9999 - View Map - All Century Insurance
1200 W Warner Ave B - Santa Ana, CA 92707 - (714) 902-9777 - View Map - Leavitt Group - Leavitt Insurance Services of Southern California
1820 E First St #500 - Santa Ana, CA 92705 - (714) 569-2700 - View Map
California car insurance company ratings
Ending up with the top insurance company can be challenging considering how many companies sell insurance in California. The ranking information shown next could help you choose which car insurance providers to look at comparing price quotes 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+
Top 10 Santa Ana Car Insurance Companies Ranked by Value
- USAA
- American Family
- The Hartford
- AAA of Southern California
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Mercury Insurance
- Nationwide
Quote more to save more
Budget-friendly car insurance in Santa Ana is available both online as well as from insurance agents, and you should be comparing both so you have a total pricing picture. Some companies don't offer online rate quotes and most of the time these small insurance companies only sell coverage through independent insurance agencies.
We covered a lot of tips how to lower your Nissan Armada insurance premium rates in Santa Ana. It's most important to understand that the more providers you compare, the higher the chance of saving money. Drivers may even discover the best premium rates are with some of the smallest insurance companies.
As you restructure your insurance plan, it's very important that you do not sacrifice coverage to reduce premiums. There are many occasions where someone sacrificed liability limits or collision coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to purchase a proper amount of coverage at a price you can afford.
Other resources
- Neck Injury FAQ (iihs.org)
- Who Has the Cheapest Auto Insurance for Felons in Santa Ana? (FAQ)
- Who Has Affordable Santa Ana Auto Insurance for a Nissan Sentra? (FAQ)
- How to Avoid Staged Accidents (State Farm)
- Bodily Injury Coverage (Liberty Mutual)