How to Compare Santa Ana Volvo XC70 Insurance

Shocking but true, almost 70% of drivers in California renewed their policy with the same company for four years or more, and approximately 38% of consumers have never even compared quotes to find affordable rates. With the average premium in the United States being $1,847, drivers could save approximately 47% every year just by comparing rates, but they just feel it's too hard to compare rates and save money.

Truthfully, the best way to find cheaper Volvo XC70 insurance in Santa Ana is to regularly compare quotes from different companies who can sell car insurance in California. Rate comparisons can be done by following these guidelines.

• Step 1: It will benefit you to learn about the coverage provided by your policy and the modifications you can make to prevent high rates. Many factors that cause rate increases like traffic citations, accidents, and a not-so-good credit history can be rectified by making small lifestyle or driving habit changes.
• Step 2: Compare price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only quote rates from a single company like Progressive or State Farm, while independent agencies can provide prices from multiple sources.
• Step 3: Compare the new rate quotes to your existing policy and see if there is a cheaper rate. If you can save money and change companies, verify that coverage does not lapse between policies.

A good tip to remember is to try to use the same amount of coverage on every quote request and and to get quotes from as many companies as possible. This ensures an accurate price comparison and a complete rate analysis.

Cheaper Santa Ana car insurance rates with discounts

Car insurance is expensive, but you may qualify for discounts to help bring down the price. Larger premium reductions will be automatically applied when you purchase, but lesser-known reductions have to be asked about in order for you to get them.

• Safe Driver Discounts - Accident-free drivers can get discounts for up to 45% lower rates than drivers with accident claims.
• Bundle and Save - When you combine your auto and home insurance and place coverage with the same company you may earn at least 10 to 15 percent or more.
• Sign Online - Some of the larger companies will give a small break for signing up on the web.
• Switch and Save Discount - Some larger companies provide a discount for switching companies prior to the expiration date on your current XC70 insurance policy. This can save 10% or more.
• Defensive Driver Discounts - Taking a defensive driving course can save you 5% or more if you qualify.
• Distant Student - Children who attend college more than 100 miles from Santa Ana and don't have a car may be insured at a cheaper rate.
• Theft Prevention Discount - Vehicles equipped with tracking devices and advanced anti-theft systems are stolen less frequently and will qualify for a discount on a Santa Ana car insurance quote.
• Driver's Ed - Make teen driver coverage more affordable by requiring them to participate in a local driver's education class as it can save substantially.

Consumers should know that many deductions do not apply to the whole policy. Most cut the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like it's possible to get free car insurance, companies don't profit that way. Any qualifying discounts will lower your policy cost.

The diagram below shows the comparison of Volvo XC70 car insurance rates with and without discounts applied to the policy premium. The rates are based on a male driver, no tickets, no at-fault accidents, California state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, multi-car, homeowner, claim-free, and marriage discounts applied.

A few of the larger companies and some of the discounts are detailed below.

• Progressive may have discounts that include multi-policy, online quote discount, online signing, homeowner, multi-vehicle, continuous coverage, and good student.
• The Hartford may include discounts for vehicle fuel type, driver training, good student, air bag, bundle, anti-theft, and defensive driver.
• Mercury Insurance policyholders can earn discounts including ease of repair, location of vehicle, professional/association, multi-policy, low natural disaster claims, and annual mileage.
• GEICO has savings for seat belt use, driver training, multi-vehicle, anti-theft, anti-lock brakes, and five-year accident-free.
• AAA offers premium reductions for AAA membership discount, anti-theft, pay-in-full, good student, and multi-car.
• State Farm offers discounts for driver's education, Steer Clear safe driver discount, student away at school, multiple policy, and safe vehicle.

If you need cheaper Santa Ana car insurance quotes, ask each company or agent what discounts are available to you. Some discounts listed above may not be offered in Santa Ana. To see a list of providers that provide some of the discounts listed above in Santa Ana, click here.

Ways to get Volvo XC70 insurance rate quotes in Santa Ana, California

Getting low cost Volvo XC70 car insurance pricing is actually easier than you may think. The only thing you need to do is spend a few minutes on the computer comparing free Santa Ana car insurance quotes to discover which company has affordable Volvo XC70 insurance quotes.

Doing price comparisons online is so simple that it replaces the need to drive around to insurance agents' offices. The fact that you can get quotes online eliminates the middleman unless you prefer the trained guidance that only an agent can give. Some companies do allow you to comparison shop online but have a local agent actually write the policy.

The following companies provide free rate quotes in California. If multiple companies are shown, we recommend you compare several of them in order to find the cheapest rates.

Volvo XC70 coverage analysis

The premium table displayed below outlines detailed analysis of policy rates for Volvo XC70 models. Being more informed about how car insurance prices are calculated can help drivers make informed decisions.

Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Premium amounts do not factor in vehicle location which can raise or lower prices substantially.

Analysis of deductible levels

When shopping for car insurance, a common question is how high should the physical damage deductibles be. The following insurance rates illustrate how much more you'll pay when you buy lower versus higher deductibles. The first table uses a $100 deductible for physical damage and the second rate table uses a $1,000 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Rate quotes do not factor in zip code location which can decrease or increase premium rates noticeably.

Based on the above data, using a $100 deductible would cost the average driver about $54 more each month or $648 for a full year than quoting the higher $1,000 deductible. Because you would be required to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to have more than 17 months between claim filings, you would probably be better off by selecting a higher deductible.

Volvo XC70 full coverage rates compared to liability only

The information below illustrates the comparison of Volvo XC70 insurance premiums with full coverage and liability only. Data assumes no tickets, no at-fault accidents, $500 deductibles, marital status is single, and no policy discounts are applied.

When to buy liability coverage only

There is no clear-cut rule for excluding full coverage, but there is a general guideline. If the annual cost of having full coverage is more than 10% of replacement cost minus your deductible, then it's probably a good time to buy liability coverage only.

For example, let's pretend your Volvo XC70 book value is $8,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most you would receive is $7,000 after paying your deductible. If you are paying more than $700 a year for comprehensive and collision coverage, then it might be time to buy liability only.

There are some conditions where dropping full coverage is not financially feasible. If you haven't paid off your loan, you have 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 keep full coverage.

What if I want to buy from local Santa Ana insurance agents?

Some consumers just want to talk to a local agent and doing that can be a smart decision Licensed agents can help you choose the best coverages and help in the event of a claim. One of the best bonuses of comparing insurance prices online is that you can obtain better rates but still work with a licensed agent.

Once you complete this form (opens in new window), the coverage information is transmitted to participating agents in Santa Ana that give free quotes to get your business. It makes it easy because there is no need to even leave your home as quotes are delivered directly to you. If you want to quote rates from a specific auto insurance provider, you just need to jump over to their website and fill out the quote form the provide.

Finding a good company needs to be determined by more than just a cheap price. Before buying a policy in Santa Ana, get answers to these questions.

• Are they in the agency full-time?
• Who are their largest clients?
• Does the agency have a positive business rating?
• Does the agent help file claims?
• Do they get paid more for recommending certain coverages?
• Where are claims handled?
• Are there any discounts for paying up front?

If you would like to find a local insurance agency, you need to know there are two different agency structures and how they function. Agents in Santa Ana may be either independent agents or exclusive agents. Both types of agents can insure your vehicles, but it's worth mentioning why they differ because it can influence your selection of an agent.

Exclusive Agents

Agents that elect to be exclusive normally can only provide a single company's rates such as AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agents cannot compare other company's rates so if the price isn't competitive there isn't much they can do. Exclusive insurance agents are trained well on their company's products and that enables them to sell even at higher rates.

The following is a list of exclusive insurance agents in Santa Ana who may provide you with rate quotes.

More insurance agents

Independent Auto Insurance Agents

Agents that elect to be independent do not sell for just one brand so they can quote policies with any number of different companies depending on which coverage is best. If your premiums go up, an independent agent can move your coverage and you don't have to find a new agent. When comparing rate quotes, you absolutely need to contact a few independent agents to ensure the widest selection of prices.

Below is a list of independent insurance agents in Santa Ana willing to provide price quotes.

More insurance agents

After getting answers to your satisfaction to these questions in addition to an acceptable price estimate, you have narrowed it down to an insurance agent that can be relied on to properly service your auto insurance policy. Just understand that policyholders can terminate your policy whenever you want so don't assume that you are obligated to a specific company for a certain time period.

One last note

As you restructure your insurance plan, don't be tempted to reduce coverage to reduce premium. There have been many cases where drivers have reduced liability coverage limits only to regret that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy enough coverage for the lowest cost.

Cheaper Volvo XC70 insurance in Santa Ana is definitely available on the web and from local agencies, and you should compare rates from both to get a complete price analysis. Some auto insurance companies do not offer online rate quotes and many times these small, regional companies prefer to sell through local independent agencies.

More learning opportunities

• What is Covered by GAP Insurance? (Allstate)
• Who Has the Cheapest Auto Insurance for Felons in Santa Ana? (FAQ)
• Who Has the Cheapest Auto Insurance for a Honda Civic in Santa Ana? (FAQ)
• Who Has Affordable Auto Insurance for a Ford F-150 in Santa Ana? (FAQ)
• Who Has Affordable Auto Insurance for 19 Year Olds in Santa Ana? (FAQ)
• No-Fault Auto Insurance Statistics (Insurance Information Institute)
• New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)
• Steps to Take After an Auto Accident (Insurance Information Institute)
• Protecting Teens from Drunk Driving (Insurance Information Institute)