It's an obvious statement that car insurance companies don't want you quoting rates from other companies. People who shop around for the cheapest rate will presumably switch to a new company because they stand a good chance of finding a lower-priced policy. A recent survey found that consumers who compared rates once a year saved about $865 annually as compared to drivers who didn't regularly shop around.
If finding the lowest rates on Suzuki SX4 insurance in Santa Ana is why you're reading this, then understanding the best way to shop and compare coverage rates can help simplify the process.
To save the most money, the best way to get the cheapest auto insurance rates in Santa Ana is to compare prices annually from insurance carriers that sell auto insurance in California.
Step 1: Learn about the different coverages in a policy and the measures you can take to prevent high rates. Many rating criteria that result in higher rates like traffic violations, accidents, and a less-than-favorable credit rating can be amended by improving your driving habits or financial responsibility. This article gives additional ideas to help prevent costly coverage and get bigger discounts.
Step 2: Request rate estimates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only quote rates from one company like GEICO and Allstate, while agents who are independent can quote rates from multiple companies.
Step 3: Compare the new quotes to your current policy premium to see if a cheaper price is available in Santa Ana. If you find a lower rate quote and change companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
Step 4: Tell your current agent or company of your intent to cancel your current coverage and submit a signed application and payment to the new company. Immediately keep the new proof of insurance paperwork with your registration paperwork.
An important note is to use the same amount of coverage on every quote request and and to get price estimates from as many car insurance companies as possible. This provides an accurate price comparison and the most accurate and complete price analysis.
If you have insurance now, you should be able to buy cheaper insurance using the ideas you're about to read. Locating the best rates in Santa Ana can be easy if you know a few tricks. But California car owners do need to learn how insurance companies determine what you pay because rates are impacted by many factors.
Companies offering Suzuki SX4 insurance in Santa Ana
The following companies can provide quotes in Santa Ana, CA. If multiple companies are listed, we recommend you get rate quotes from several of them to get the best price comparison.
Suzuki SX4 insurance analysis
The rate table shown below highlights different prices for Suzuki SX4 models. Being able to understand how insurance policy rates are established can help customers make informed decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| SX4 LE | $268 | $570 | $596 | $36 | $178 | $1,648 | $137 |
| SX4 2WD | $308 | $470 | $596 | $36 | $178 | $1,588 | $132 |
| SX4 Sport S | $308 | $672 | $596 | $36 | $178 | $1,790 | $149 |
| SX4 Sport SE | $308 | $672 | $596 | $36 | $178 | $1,790 | $149 |
| SX4 Technology 2WD | $308 | $570 | $596 | $36 | $178 | $1,688 | $141 |
| SX4 Sportback 2WD | $308 | $570 | $596 | $36 | $178 | $1,688 | $141 |
| SX4 AWD AWD | $308 | $570 | $596 | $36 | $178 | $1,688 | $141 |
| SX4 Sport GTS | $308 | $672 | $596 | $36 | $178 | $1,790 | $149 |
| SX4 Technology AWD | $348 | $570 | $596 | $36 | $178 | $1,728 | $144 |
| SX4 Touring AWD | $348 | $570 | $596 | $36 | $178 | $1,728 | $144 |
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Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Price estimates do not factor in the specific area where the vehicle is garaged which can decrease or increase coverage prices substantially.
Annual premiums comparing men and women
The example below visualizes the comparison of Suzuki SX4 car insurance costs for male and female drivers. The information is based on no claims, a clean driving record, comprehensive and collision coverage, $100 deductibles, drivers are not married, and no discounts are applied.
Do you need full coverage?
The example below shows the difference between Suzuki SX4 car insurance rates with full coverage compared to only the California minimum liability coverage. The data is based on no claims or driving citations, $1,000 deductibles, drivers are single, and no other discounts are factored in.
Are you wasting money on full coverage?
There is no exact formula that is best for determining when to drop full coverage, but there is a broad guideline. If the yearly cost of full coverage is more than around 10% of the settlement you would receive from your company, then it might be time to buy liability only.
For example, let's pretend your Suzuki SX4 replacement cost is $9,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most you would receive is $8,000 after paying your deductible. If premium cost is more than $800 annually for full coverage, the it may be a good time to stop paying for full coverage.
There are some situations where only buying liability is not a good idea. If you haven't satisfied your loan, you must maintain physical damage coverage to protect the lienholder's interest. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should keep full coverage in place.
Lower rate quotes with these five discounts
Auto insurance companies don't always list all available discounts very clearly, so the following list contains both well-publicized and also the lesser-known credits available to you.
- Student in College - Youth drivers who attend college more than 100 miles from Santa Ana and don't have a car could get you a discount.
- Clubs and Organizations - Being in qualifying employment or professional organizations is a good way to get lower rates when getting a Santa Ana auto insurance quote.
- Theft Deterrent - Cars and trucks equipped with tracking devices and advanced anti-theft systems help deter theft so companies will give you a small discount.
- Discounts for Federal Employees - Being employed by or retired from a federal job may reduce rates when you quote Santa Ana auto insurance but check with your company.
- Safety Course Discount - Passing a driver safety course could cut 5% off your bill if you qualify.
Just know that most discount credits are not given to all coverage premiums. Most only cut the cost of specific coverages such as collision or personal injury protection. So even though it sounds like all those discounts means the company will pay you, insurance companies wouldn't stay in business.
The information below illustrates the difference between Suzuki SX4 insurance prices with and without discounts applied to the policy premium. Data assumes a male driver, no tickets, no at-fault accidents, California state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, multi-car, homeowner, marriage, and safe-driver discounts applied.
To choose insurance companies with the best discounts in Santa Ana, follow this link.
Which policy gives me the best coverage?
When selecting your policy for your vehicles, there is no perfect coverage plan. Every situation is different and your auto insurance should unique, too. For instance, these questions could help you determine if you would benefit from an agent's advice.
- What does UM/UIM cover?
- When should my teen driver be added to my policy?
- What is an umbrella policy?
- Are split liability limits better than a combined single limit?
- Does my Suzuki SX4 need full coverage?
- Does my liability insurance cover pulling a trailer or camper?
- Should I buy only the required California minimum liability coverage?
- Is my son or daughter covered when driving my car?
If you don't know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.
Insurance agents can help
Some consumers would prefer to sit down and talk to an agent and doing that can be a smart decision One of the best bonuses of price shopping on the web is that you can find lower rates and still buy from a local agent.
To find an agent, once you fill out this form (opens in new window), your insurance coverage information is emailed to participating agents in Santa Ana who will give competitive quotes to get your business. There is no need to find an agent on your own since price quotes are sent to you directly. You can get cheaper car insurance rates and work with a local agent. If you need to get a price quote from a specific car insurance provider, just go to their quote page and fill out their quote form.
Picking an provider shouldn't rely on just a cheap quote. You should also get answers to these questions.
- How long have they been in business?
- What insurance companies do they work with in Santa Ana?
- Can you use your own choice of collision repair facility?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- How much can you save by raising your physical damage deductibles?
- Is there a 24/7 contact number?
- Do they have cheaper tiers of coverage?
Once you have received good feedback to all your questions and a low price estimate, you've probably found a company that can properly service your car insurance policy. Just be aware that you are able to cancel your policy whenever you want so don't feel you are locked into your new company for the entire policy term.
Car insurance coverages 101
Knowing the specifics of your car insurance policy can help you determine appropriate coverage for your vehicles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Listed below are the usual coverages found on the average car insurance policy.
Auto collision coverage
Collision coverage will pay to fix damage to your SX4 resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.
Collision coverage pays for claims such as colliding with a tree, backing into a parked car and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to raise the deductible on your SX4 to save money on collision insurance.
Liability insurance
This coverage protects you from damages or injuries you inflict on other people or property that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 15/30/5 that translate to $15,000 in coverage for each person's injuries, a per accident bodily injury limit of $30,000, and a limit of $5,000 paid for damaged property.
Liability coverage pays for claims like repair bills for other people's vehicles, medical expenses, medical services and pain and suffering. How much liability coverage do you need? That is your choice, but it's cheap coverage so purchase as much as you can afford. California state law requires minimum liability limits of 15/30/5 but you should consider buying better liability coverage.
The next chart shows why buying low liability limits may not be enough.
Coverage for medical expenses
Med pay and PIP coverage pay for short-term medical expenses for ambulance fees, rehabilitation expenses, EMT expenses and hospital visits. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible
Coverage for uninsured or underinsured drivers
Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don't have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Suzuki SX4.
Due to the fact that many California drivers only carry the minimum required liability limits (15/30/5), it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.
Comprehensive car insurance
Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers claims like hitting a deer, falling objects and theft. The highest amount your car insurance company will pay is the ACV or actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.
More effort can pay off
We've covered many ideas to compare Suzuki SX4 insurance rates in Santa Ana. The key thing to remember is the more you quote Santa Ana auto insurance, the better your comparison will be. You may even find the lowest rates come from a small local company. They may only write in your state and offer lower car insurance rates compared to the large companies like Allstate, GEICO and Progressive.
When searching for low cost Santa Ana auto insurance quotes, make sure you don't buy poor coverage just to save money. There have been many situations where an accident victim reduced liability coverage limits to discover at claim time that the savings was not a smart move. The proper strategy is to purchase a proper amount of coverage at the best price and still be able to protect your assets.
Budget-conscious Suzuki SX4 insurance can be bought on the web in addition to local insurance agencies, so you need to quote Santa Ana auto insurance with both in order to have the best price selection to choose from. A few companies may not offer online rate quotes and usually these smaller companies work with independent agents.
More detailed insurance information is located in the articles below:
- Teen Driver Statistics (Insurance Information Institute)
- Who Has Affordable Auto Insurance for a Ford F-150 in Santa Ana? (FAQ)
- Safe Vehicles for Teens (iihs.org)
- Self-driving cars won't replace humans (Insurance Institute for Highway Safety)
- Shopping for a Safe Car (Insurance Information Institute)
- Car Insurance for Teen Drivers with Divorced Parents (Allstate)