If your goal is the lowest price, then the best way to find cheaper car insurance rates in Santa Ana is to regularly compare prices from providers that sell auto insurance in California.
- Get a basic knowledge of how auto insurance works and the things you can change to keep rates low. Many factors that are responsible for high rates such as accidents, traffic tickets, and an unacceptable credit score can be amended by improving your driving habits or financial responsibility. This article gives more ideas to prevent expensive rate increases and get additional discounts.
- Request price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can provide rates from a single company like GEICO or State Farm, while agents who are independent can provide price quotes for a wide range of insurance providers. Click to view companies
- Compare the new rates to your current policy to see if a cheaper rate is available in Santa Ana. If you can save some money, ensure there is no coverage lapse between policies.
The most important part of this process is to make sure you enter identical coverage information on each quote and and to get price quotes from as many companies as possible. Doing this provides an accurate price comparison and many rates to choose from.
It goes without saying that car insurance companies don't want you to look for cheaper rates. People who get comparison quotes once a year are highly likely to buy a new policy because there is a good chance of finding better rates. A recent survey revealed that people who compared rate quotes regularly saved over $3,450 over four years as compared to drivers who never shopped around for better prices.
If finding the cheapest price on car insurance in Santa Ana is why you're here, then having a grasp of the best way to quote and compare insurance premiums can make it easier for you to save money.
When looking for affordable Saturn VUE insurance quotes, there are a couple ways to get quotes from many available auto insurance companies in California. The recommended way to compare Saturn VUE insurance prices is to get quotes online.
Comparing free rates online is easy and it, makes it a waste of time to go to and from local insurance agencies. Comparing Saturn VUE insurance rate quotes online eliminates the need for an insurance agent unless you're the type of person who wants the professional assistance of a local agency. If you prefer, some companies allow you to price shop your coverage online but purchase the actual policy in an agency. When comparing auto insurance rates, know that more quotes gives you a better chance of getting better pricing. Not every company allows you to get online rate quotes, so you need to compare quotes from those companies as well.
The auto insurance companies shown below provide quotes in California. If several companies are displayed, we suggest you visit as many as you can to get a more complete price comparison.
Protect your Saturn vehicle and other assets
Despite the high cost of buying insurance for a Saturn VUE in Santa Ana, buying car insurance may be required and benefits you in several ways.
First, the majority of states have mandatory liability insurance requirements which means you are required to buy a specific level of liability insurance if you want to drive 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.
Second, if your vehicle has a lienholder, most lenders will require that you have physical damage coverage to protect their interest in the vehicle. If you let the policy lapse, the bank may insure your Saturn at a much higher rate and force you to reimburse them for it.
Third, car insurance preserves both your assets and your Saturn. Insurance will pay for medical expenses for not only you but also any passengers injured in an accident. Liability insurance will also pay to defend you in the event you are sued. If damage is caused by hail or an accident, collision and comprehensive coverages will pay to have it repaired.
The benefits of insuring your car outweigh the cost, particularly if you ever have a claim. But the average driver in California is wasting up to $869 every year so compare rate quotes each time the policy renews to save money.
Auto insurance statistics and figures
The coverage information below showcases different rate quotes for Saturn VUE models. Being more informed about how rate quotes are formulated helps drivers make decisions on which coverage to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Vue XE 2WD | $294 | $464 | $500 | $30 | $150 | $1,438 | $120 |
| Vue XR 2WD | $294 | $564 | $500 | $30 | $150 | $1,538 | $128 |
| Vue XR-L 2WD | $332 | $564 | $500 | $30 | $150 | $1,576 | $131 |
| Vue XR AWD | $332 | $564 | $500 | $30 | $150 | $1,576 | $131 |
| Vue XR-L AWD | $332 | $664 | $500 | $30 | $150 | $1,676 | $140 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Table data does not factor in specific Santa Ana garaging location which can impact coverage prices significantly.
Should you buy full coverage?
The example below compares Saturn VUE car insurance rates when comparing full coverage to state minimum liability only. The premiums are based on a clean driving record, no at-fault accidents, $100 deductibles, drivers are not married, and no other discounts are factored in.
Should you buy full coverage or liability only?
There is no exact formula of when to exclude comprehensive and collision coverage on your policy, but there is a general convention. If the annual cost of coverage is more than about 10% of replacement cost minus your deductible, then you may want to consider only buying liability coverage.
For example, let's say your Saturn VUE replacement cost is $9,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most you would receive is $8,000 after the deductible is paid. If it's costing in excess of $800 a year for physical damage coverage, then you might want to consider buying only liability coverage.
There are some circumstances where eliminating full coverage is not a good idea. If you still owe a portion of the original loan, you are required to maintain full coverage to protect the lienholder's interest in the vehicle. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should not drop full coverage.
Get cheaper rates on Saturn VUE insurance in Santa Ana with these discounts
Insuring your fleet can be pricey, but there could be available discounts that can drop the cost substantially. Some of these discounts will be visible when you quote, but some need to be specifically requested before you will receive the discount.
- Government Employee Discount - Simply working for the federal government could provide a small rate reduction with select insurance companies.
- No Charge for an Accident - Not a discount per se, but some insurance companies will turn a blind eye to one accident without getting socked with a rate hike as long as you don't have any claims for a specific time period.
- Seat Belt Usage - Buckling up and requiring all passengers to buckle their seat belts can save a little off the personal injury premium cost.
- Santa Ana Homeowners Discount - Being a homeowner can get you a discount because it shows financial diligence.
- Discounts for Good Drivers - Accident-free drivers can pay as much as 50% less than less cautious drivers.
- Senior Discount - If you're over the age of 55, you can get a slight reduction on a Santa Ana car insurance quote.
You can save money using discounts, but many deductions do not apply to the overall cost of the policy. A few only apply to specific coverage prices like comp or med pay. So even though they make it sound like you would end up receiving a 100% discount, companies don't profit that way.
The diagram below shows the difference between Saturn VUE annual premium costs with and without discounts applied to the policy premium. The premium estimates are based on a female 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 claim-free, safe-driver, multi-policy, multi-car, marriage, and homeowner discounts applied.
A list of companies and a selection of discounts include:
- Mercury Insurance offers discounts for accident-free, good driver, multi-policy, multi-car, anti-theft, and annual mileage.
- Farmers Insurance offers premium reductions for mature driver, distant student, multi-car, homeowner, and pay in full.
- Farm Bureau has discounts for multi-policy, driver training, safe driver, youthful driver, multi-vehicle, and renewal discount.
- State Farm may have discounts that include good student, multiple policy, defensive driving training, driver's education, student away at school, safe vehicle, and accident-free.
- Allstate policyholders can earn discounts including EZ pay plan discount, senior citizen, 55 and retired, early signing, and good payer.
- GEICO has savings for anti-lock brakes, multi-policy, military active duty, seat belt use, and daytime running lights.
Before you buy a policy, ask each insurance company which discounts you qualify for. Some discounts listed above might not be available to policyholders in your state. If you would like to view providers with discount auto insurance rates in Santa Ana, click this link.
Your situation helps dictate your coverage
Always remember that when buying adequate coverage, there isn't really a single plan that fits everyone. Everyone's situation is unique so this has to be addressed.
For instance, these questions could help you determine if your situation would benefit from professional advice.
- Does my insurance cover damage caused when ticketed for reckless driving?
- Am I covered when driving in Canada or Mexico?
- Are my company tools covered if they get stolen?
- Can I get a multi-policy discount?
- Am I covered when using my vehicle for business?
- What is GAP insurance?
- Is there coverage for injuries to my pets?
If you don't know the answers to these questions but a few of them apply then you might want to talk to a licensed insurance agent. If you don't have a local agent, fill out this quick form or you can go here for a list of companies in your area.