The best way to find low-cost prices for Mercedes-Benz SLS AMG insurance in Santa Ana is to compare prices at least once a year from insurers who provide auto insurance in California. Price quotes can be compared by following these guidelines.
- Step 1: Gain an understanding of what coverages are included in your policy and the measures you can control to keep rates low. Many things that increase rates such as speeding and bad credit can be amended by paying attention to minor details.
- Step 2: Get rate quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only give prices from a single company like GEICO and Allstate, while independent agents can provide rate quotes for a wide range of insurance providers. Select a company
- Step 3: Compare the price quotes to the premium of your current policy to see if a cheaper rate is available. If you can save some money, make sure coverage is continuous and does not lapse.
A good piece of advice is to use identical limits and deductibles on each quote request and and to analyze as many companies as possible. This provides a level playing field and a complete price analysis.
Unbelievable but true according to a study the vast majority of car insurance customers have been with the same company for well over three years, and nearly half have never compared rates from other carriers. Many consumers in Santa Ana can save up to $500 each year by just comparing quotes, but they just don't want to do a rate comparison.
The best way to compare rate quotes for Mercedes-Benz SLS AMG insurance in Santa Ana is to understand most insurance companies actually pay money for the chance to compare rate quotes. To start a quote, the only thing you need to do is provide a small amount of information such as driver ages, how you use your vehicles, if you have a valid license, and if a SR-22 is required. The data is sent automatically to insurance companies and they provide comparison quotes almost instantly.
If you would like to compare rates now, click here and find out if lower rates are available in Santa Ana.
The companies in the list below are our best choices to provide free quotes in Santa Ana, CA. If multiple providers are shown, we suggest you visit several of them in order to find the lowest rates.
Auto insurance discounts help lower rates for Mercedes-Benz SLS AMG insurance in Santa Ana
Companies do not list every possible discount in an easy-to-find place, so the list below gives a summary of some of the more common in addition to some of the lesser obvious credits available to bring down your rates.
- Discount for Life Insurance - Select auto insurance companies reward you with a lower price if you buy a life policy as well.
- Driver Training Discounts - Taking a course in defensive driving could earn you a small percentage discount and easily pay for the cost of the class.
- Anti-lock Brake System - Cars and trucks equipped with ABS or steering control can avoid accidents so you can save 10 percent or more.
- Student Driver Training - It's a good idea to have your young drivers successfully take a driver's education course if offered at their school.
- Student in College - Children who attend college more than 100 miles from Santa Ana and leave their car at home could get you a discount.
- Multiple Vehicles - Having multiple cars on one policy can reduce rates for all insured vehicles.
- Discount for Home Ownership - Owning a house in Santa Ana can earn you a little savings due to the fact that maintaining a home demonstrates responsibility.
While discounts sound great, it's important to understand that some of the credits will not apply to the overall cost of the policy. Most cut the cost of specific coverages such as liability, collision or medical payments. Even though it may seem like adding up those discounts means a free policy, that's just not realistic.
Some of the larger companies that may offer many of the previously listed discounts include:
Check with all companies you are considering which discounts they offer. Some of the discounts discussed earlier may not be offered in Santa Ana. To locate insurers who offer discounts in California, click this link.
Independent and exclusive insurance agencies
Some people still prefer to visit with an insurance agent and often times that is recommended The biggest benefit of price shopping on the web is that you can find lower rates and still buy from a local agent.
Once you complete this simple form, your information is emailed to participating agents in Santa Ana that can provide free Santa Ana auto insurance quotes for your coverage. You won't need to contact an agency since price quotes are sent to your email. It's the lowest rates and an insurance agent to talk to. If you want to compare rates from a specific insurance provider, you would need to go to their quote page to submit a rate quote request.
Finding the right insurer shouldn't rely on just a cheap price. These are some questions your agent should answer.
- How will an accident affect your rates?
- Where would glass claims be handled in Santa Ana?
- Is vehicle damage repaired with OEM or aftermarket parts?
- How long has their agency been in business in Santa Ana?
- When do they do policy reviews?
- Can they provide you with a list of referrals?
- Does the agent recommend any additional coverage?
- Do they have cheaper tiers of coverage?
Everyone needs different car insurance coverages
Keep in mind that when it comes to choosing proper insurance coverage for your vehicles, there really isn't a best way to insure your cars. Everyone's situation is a little different so this has to be addressed.
For example, these questions may help you determine if your situation could use an agent's help.
- What is glass protection for?
- Do I need replacement cost coverage?
- What is no-fault insurance?
- Do I have coverage if I rent a car in Mexico?
- What does medical payments cover?
- Do I pay less for low miles?
- Should I buy full coverage?
- Will filing a claim cost me more?
If you're not sure about those questions but a few of them apply, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.
Car insurance policy coverages for a Mercedes-Benz SLS AMG
Having a good grasp of your car insurance policy aids in choosing the best coverages and proper limits and deductibles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Below you'll find typical coverages offered by car insurance companies.
Coverage for collisions
Collision coverage covers damage to your SLS AMG from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.
Collision coverage protects against things such as rolling your car, colliding with another moving vehicle, sustaining damage from a pot hole, driving through your garage door and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It's also possible to bump up the deductible on your SLS AMG to bring the cost down.
Medical expense insurance
Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like surgery, rehabilitation expenses, nursing services, X-ray expenses and EMT expenses. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage
Liability
This coverage will cover damages or injuries you inflict on a person or their property. It protects YOU from legal claims by others. Liability doesn't cover damage sustained by your vehicle in an accident.
Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 15/30/5 that translate to a $15,000 limit per person for injuries, a total of $30,000 of bodily injury coverage per accident, and property damage coverage for $5,000.
Liability coverage pays for claims such as repair bills for other people's vehicles, loss of income, legal defense fees, medical expenses and medical services. How much liability coverage do you need? That is your choice, but you should buy higher limits if possible. California requires minimum liability limits of 15/30/5 but it's recommended drivers buy better liability coverage.
The chart below shows why buying the state minimum limits may not be enough coverage.
Comprehensive (Other than Collision)
Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive coverage pays for things like falling objects, hail damage and damage from a tornado or hurricane. The highest amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.
Protection from uninsured/underinsured drivers
Your UM/UIM coverage provides protection when other motorists are uninsured or don't have enough coverage. Covered claims include injuries sustained by your vehicle's occupants as well as damage to your Mercedes-Benz SLS AMG.
Because many people carry very low liability coverage limits (California limits are 15/30/5), it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.
One last note
There are still a few companies who don't offer the ability to get quotes online and most of the time these smaller companies prefer to sell through independent insurance agents. Cheaper insurance in Santa Ana is available from both online companies and from local agencies, so you should compare both to have the best selection.
Throughout this article, we presented a lot of tips how to find cheap Mercedes-Benz SLS AMG insurance in Santa Ana. The key concept to understand is the more price quotes you have, the higher the chance of saving money. You may even be surprised to find that the best rates are with a company that doesn't do a lot of advertising. These smaller insurers may have significantly lower car insurance rates on certain market segments compared to the large companies like GEICO and State Farm.
Much more information about insurance in California is available on the following sites:
- Auto Crash Statistics (Insurance Information Institute)
- What is the Cheapest Auto Insurance in Santa Ana, CA? (FAQ)
- Who Has Affordable Santa Ana Auto Insurance for High Risk Drivers? (FAQ)
- Who Has Affordable Auto Insurance for 19 Year Olds in Santa Ana? (FAQ)
- Automakers compete to add autobraking (Insurance Institute for Highway Safety)
- Teen Driving Statistics (iihs.org)
- Think You're a Safe Driver? (State Farm)