Do you need a better way to compare lower-priced Pontiac GTO insurance in Santa Ana? When shopping for more affordable insurance, are you overwhelmed by the crazy number of auto insurance providers available to you? You have such a large number of options that it can really be a chore to lower your rates for Pontiac GTO insurance in Santa Ana. Everyone knows Santa Ana is an excellent city in which to live, but getting gouged by high auto insurance rates makes it very hard to pay for enough auto insurance coverage.
How to save money on Pontiac GTO insurance in Santa Ana
The easiest way to get budget car insurance rates is to make a habit of comparing prices annually from providers who sell insurance in Santa Ana.
- First, it will benefit you to learn about how companies set rates and the modifications you can make to prevent rate increases. Many factors that increase rates such as accidents, traffic violations, and a not-so-good credit history can be improved by making small lifestyle or driving habit changes. Continue reading for more ideas to prevent expensive rate increases and find additional discounts.
- Second, quote rates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only provide price estimates from one company like GEICO or State Farm, while agents who are independent can quote prices from many different companies.
- Third, compare the new rates to your existing policy to see if a cheaper rate is available in Santa Ana. If you find a lower rate and switch companies, make sure there is no coverage gap between policies.
- Fourth, tell your current company to cancel your current car insurance policy and submit a completed application and payment to the newly selected company. Be sure to keep the new proof of insurance certificate with your vehicle's registration.
A key point to remember is to try to compare identical coverages on every quote and and to get price estimates from as many companies as feasibly possible. Doing this enables a level playing field and a thorough selection of prices.
Surprisingly, a recent survey revealed that most drivers have stayed with the same insurance company for at least four years, and virtually 40% of consumers have never even compared quotes to find cheap rates. Drivers in Santa Ana could save nearly 35% each year just by shopping around, but they don't know how much savings they would realize if they switched.
When comparing auto insurance rates, know that comparing a wide range of rates gives you a better chance of getting a better price.
The providers in the list below have been selected to offer free rate quotes in Santa Ana, CA. If multiple companies are shown, we recommend you visit as many as you can in order to get a fair rate comparison.
Insurance does more than just repair your car
Despite the fact that insurance is not cheap in Santa Ana, insurance may be required and benefits you in several ways.
- Almost all states have compulsory liability insurance requirements which means you are required to buy specific limits of liability insurance in order to get the vehicle licensed. 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.
- If you bought your GTO with a loan, more than likely the lender will make it mandatory that you carry insurance to protect their interest in the vehicle. If you do not pay your insurance premiums, the bank may buy a policy for your Pontiac for a much higher rate and make you pay much more than you were paying before.
- Insurance protects both your Pontiac GTO and your assets. It will also cover many types of medical costs incurred in an accident. Liability coverage also covers all legal expenses up to the policy limit if someone files suit against you as the result of an accident. If your Pontiac gets damaged, your insurance policy will cover the damage repairs after a deductible is paid.
The benefits of having insurance definitely exceed the price paid, especially when you need to use it. But the average American driver overpays more than $850 per year so you should quote and compare rates at every policy renewal to be sure current rates are still competitive.
What auto insurance coverages do you need?
Understanding the coverages of your auto insurance policy helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.
Comprehensive (Other than Collision) - Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive coverage protects against claims like hail damage, theft and damage from a tornado or hurricane. The maximum amount a auto insurance company will pay at claim time is the actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.
Medical expense insurance - Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like funeral costs, dental work and X-ray expenses. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage
Liability auto insurance - This can cover injuries or damage you cause to a person or their property that is your fault. It protects YOU from claims by other people. Liability doesn't cover damage sustained by your vehicle in an accident.
Liability coverage has three 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 a $15,000 limit per person for injuries, a per accident bodily injury limit of $30,000, and property damage coverage for $5,000. Occasionally you may see a combined limit that pays claims from the same limit with no separate limits for injury or property damage.
Liability can pay for claims such as repair costs for stationary objects, emergency aid and bail bonds. The amount of liability coverage you purchase is up to you, 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 think about purchasing better liability coverage.
The chart below demonstrates why buying the state minimum limits may not be high enough to adequately cover claims.
Protection from uninsured/underinsured drivers - This protects you and your vehicle's occupants from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and damage to your Pontiac GTO.
Due to the fact that many California drivers only purchase the least amount of liability that is required (California limits are 15/30/5), it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Normally these limits are identical to your policy's liability coverage.
Collision coverage - This coverage will pay to fix damage to your GTO from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things such as damaging your car on a curb, hitting a parking meter, hitting a mailbox and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible on your GTO in order to get cheaper collision rates.
How to find a good Santa Ana auto insurance company
Selecting a good quality insurance company is difficult considering how many choices drivers have in California. The ranking information shown below may help you pick which insurers you want to consider when shopping your coverage around.
Top 10 Santa Ana Car Insurance Companies by A.M. Best Rank
- USAA - A++
- Travelers - A++
- State Farm - A++
- GEICO - A++
- Esurance - A+
- Nationwide - A+
- Allstate - A+
- Mercury Insurance - A+
- Progressive - A+
- Titan Insurance - A+
Top 10 Santa Ana Car Insurance Companies Ranked by Claims Service
- AAA of Southern California
- State Farm
- Esurance
- AAA Insurance
- Progressive
- Liberty Mutual
- GEICO
- Allstate
- Titan Insurance
- The Hartford