Save Money on GMC Sierra Insurance in Santa Ana

If saving money is your primary concern, then the best way to get budget auto insurance rates is to compare prices at least once a year from different companies who provide auto insurance in Santa Ana.

First, take a little time to learn about auto insurance and the modifications you can make to prevent high rates. Many policy risk factors that are responsible for high rates such as speeding and an imperfect credit history can be eliminated by making minor changes to your lifestyle. Later in this article we will cover additional ideas to help keep rates affordable and find discounts that you may qualify for.

Second, request price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give rate quotes from one company like Progressive or State Farm, while agents who are independent can quote rates for a wide range of companies.

Third, compare the new quotes to the premium of your current policy and see if you can save money. If you find a better price and switch companies, make sure there is no coverage gap between policies.

Fourth, provide notification to your current agent or company of your decision to cancel your existing policy. Submit payment and a completed application to the new company. As soon as you can, place your new certificate verifying coverage above your visor, in the console, or in the glove compartment.

The most important part of shopping around is to try to compare the same liability limits and deductibles on each price quote and and to get rates from as many companies as feasibly possible. Doing this helps ensure an apples-to-apples comparison and a better comparison of the market.

It's safe to conclude that car insurance companies don't want you quoting rates from other companies. Consumers who shop around are very likely to buy a different policy because they have a good chance of finding coverage at a more affordable price. Remarkably, a study showed that drivers who did price comparisons regularly saved on average $3,400 over four years compared to drivers who didn't regularly shop around.

If saving the most money on car insurance is the reason you're reading this, then having a grasp of how to get price quotes and compare cheaper coverage can help make the process easier.

The intent of this article is to familiarize you with how to compare rates easily and also pocket some savings If you currently have a car insurance policy, you will definitely be able to save money using these techniques. But California consumers do need to learn the way companies market insurance on the web and use it to your advantage.

Informed Drivers Can Save Money

Part of the auto insurance buying process is learning the rating factors that are used to determine the level of your policy premiums. When consumers understand what positively or negatively impacts your premiums, this empowers consumers to make smart changes that could result in lower premium levels. Lots of things are used when you quote your car insurance policy. Most are fairly basic such as traffic violations, but some are not quite as obvious like where you live or how safe your car is.

The itemized list below are some of the factors companies use to determine premiums.

• Gals pay lower costs - Over the last 30 years, statistics show that men are more aggressive behind the wheel. The data does not necessarily mean that women are BETTER drivers than men. Males and females are in auto accidents in similar percentages, but males get into accidents with more damage. They also get ticketed for serious violations like DUI and reckless driving.

  The illustration below illustrates the comparison of GMC Sierra insurance costs for male and female drivers. The premiums are based on no tickets, no at-fault accidents, comp and collision included, $500 deductibles, single status, and no discounts are applied to the premium.
• Vehicles with better crash test results lower rates - Vehicles with good safety scores can get you lower premiums. The safest vehicles protect occupants better and lower rates of occupant injuries means lower claim amounts and thus lower rates.
• Drive fewer miles and save - Driving a lot of miles annually the higher your rate. Almost all companies rate vehicles based upon how the vehicle is primarily used. Cars that are left in the garage get more affordable rates than vehicles that have high annual mileage. It's a good idea to make sure your policy correctly shows the correct usage for each vehicle. Incorrect rating for your Sierra can result in significantly higher rates.
• Extra policy coverages can add up - Policies have add-on coverages that sound like a good idea at the time if you don't pay attention. Add-on coverages like replacement cost coverage, death and dismemberment, and extra equipment coverage may be costing you every month. These coverages may sound good initially, but if you have no use for them get rid of them and save.

• Insurance loss data for a GMC Sierra - Companies use past insurance losses when setting rates for each model. Vehicles that have high amounts or severity of claims will be charged more to insure.

  The data below shows the historical insurance loss data for GMC Sierra vehicles. For each insurance policy coverage type, the claim amount for all vehicles averaged together is set at 100. Values that are below 100 indicate a favorable loss history, while percentages above 100 indicate more frequent losses or an increased chance of a larger loss.

  GMC Sierra Insurance Claim Statistics

  Specific GMC Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  GMC Sierra 1500 2WD	89	122	106
  GMC Sierra 1500 4WD	97	86	79
  GMC Sierra 1500 Crew Cab 2WD	87	99	132	69	69	89
  GMC Sierra 1500 Crew Cab 4WD	89	102	114	52	51	73
  GMC Sierra 1500 Ext Cab 2WD	98	109	96	70
  GMC Sierra 1500 Ext Cab 4WD	78	85	89	65	56	94
  GMC Sierra 2500 4WD	70		56
  GMC Sierra 2500 Crew Cab 2WD	63		101
  GMC Sierra 2500 Crew Cab 4WD	91	118	105	43	50	90
  GMC Sierra 2500 Ext Cab 4WD	67	108	85	40
  GMC Sierra 3500 Crew Cab 4WD	85	128	121	35

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Rates and statistics

The rate table displayed next highlights estimates of insurance premium costs for GMC Sierra models. Learning as much as possible about how auto insurance prices are formulated can aid in making smart choices when purchasing an insurance policy.

Cost estimates assume married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Rate quotes do not factor in the specific area where the vehicle is garaged which can raise or lower prices greatly.

Deductible comparison

When shopping for insurance, a common question is which deductibles should you choose. The comparisons below approximate the costs and benefits of buying low and high deductibles. The first rate comparisons uses a $250 deductible for comp and collision and the second data table uses a $500 deductible.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Price estimates do not factor in your specific Santa Ana location which can revise insurance rates noticeably.

We can derive from the above data that using a $250 deductible would cost the average driver about $19 more each month or $228 a year than selecting the higher $500 deductible. Since you would have to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you usually have more than 13 months between claim filings, you would save more money if you opt for a higher deductible. Here's how you can come to your own conclusion.

One big caveat is that a higher deductible level means you will have to pay more of your own money when you have to file a claim. You should have some savings in the event you need to pay the deductible to have repairs made.

The information below shows how different deductible levels and can impact GMC Sierra premium costs for different age categories. The rates are based on a married male driver, comprehensive and collision coverage, and no additional discounts are factored in.

Get cheap GMC Sierra insurance in Santa Ana with discounts

Some insurance providers don't always list every discount they offer very well, so the below list has a few of the more common and also the more inconspicuous discounts that may be available. If you aren't receiving every discount available, it's possible you qualify for a lower rate.

• Safety Restraint Discount - Drivers who require all occupants to buckle their seat belts could cut 10% or more on medical payment and PIP coverage.
• Military Discounts - Being on active duty in the military could mean lower prices.
• Save with More Vehicles Insured - Buying coverage for multiple cars or trucks on one policy could earn a price break for each car.
• Auto/Home Discount - If you can combine your auto and homeowners policy with the same company you may save at least 10 to 15 percent or more.
• Student Discounts - This discount could provide a savings of up to 20% or more. Many companies even apply the discount to college students well after school through age 25.
• Early Payment Discounts - If you pay your entire premium ahead of time instead of paying each month you may reduce your total bill.
• Low Mileage - Driving fewer miles may enable drivers to earn cheaper rates.
• Distant College Student Discount - Youth drivers who live away from home at college and do not have access to a covered vehicle can receive lower rates.
• Accident Free - Claim-free drivers can save substantially when compared with policyholders that have many claims.

It's important to understand that some of the credits will not apply to the whole policy. Most only cut the price of certain insurance coverages like comprehensive or collision. Just because you may think you would end up receiving a 100% discount, companies don't profit that way.

The diagram below visualizes the comparison of GMC Sierra annual premium costs with and without discounts applied to the policy premium. The rate quotes are based on a male driver, no claims or driving citations, California state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, multi-policy, safe-driver, homeowner, and claim-free discounts applied.

Some of the insurance companies that may offer these benefits include:

• Progressive
• AAA
• Farmers Insurance
• GEICO
• Esurance
• SAFECO
• State Farm

If you are trying to find low cost Santa Ana auto insurance quotes, ask each insurance company which discounts you may be entitled to. Some discounts may not be available in every state. For a list of companies with significant discounts in Santa Ana, click this link.

Affordable auto insurance premiums are out there

We just showed you many ways to reduce GMC Sierra insurance rates online in Santa Ana. The key thing to remember is the more rate quotes you have, the better likelihood of getting cheaper Santa Ana auto insurance quotes. You may even be surprised to find that the best rates are with the smaller companies. Some small companies can often provide lower car insurance rates in certain areas compared to the large companies like State Farm, GEICO and Nationwide.

A few companies may not have the ability to get quotes online and these smaller companies prefer to sell through independent insurance agencies. Budget-conscious GMC Sierra insurance is definitely available from both online companies as well as from insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from.

As you restructure your insurance plan, do not reduce needed coverages to save money. Too many times, someone dropped physical damage coverage only to regret at claim time that the few dollars in savings costed them thousands. Your focus should be to purchase plenty of coverage at the lowest possible cost, but do not sacrifice coverage to save money.

To read more, link through to these articles:

• Air Bags: Potential Dangers to Your Children (Insurance Information Institute)
• What Auto Insurance is Cheapest for a Chevrolet Equinox in Santa Ana? (FAQ)
• Who Has Cheap Santa Ana Auto Insurance for 18 Year Olds? (FAQ)
• Who Has Affordable Santa Ana Auto Insurance for Lyft Drivers? (FAQ)
• What Car Insurance is Cheapest for Inexperienced Drivers in Santa Ana? (FAQ)
• Who Has Cheap Santa Ana Auto Insurance Rates for Drivers Requiring a SR22? (FAQ)
• Senior Drivers (Insurance Information Institute)
• Driving in Bad Weather (Insurance Information Institute)