Best Insurance for a Subaru WRX in Santa Ana

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Statistics show that most auto insurance policyholders in California renewed their policy with the same company for well over three years, and 38% of customers have never compared quotes from other companies. American drivers could save almost $859 every year just by getting comparison quotes, but they don't believe the amount of money they would save if they switched to a more affordable policy.

Discount Subaru WRX insuranceIf saving the most money is your goal, then the best way to get low-cost auto insurance rates is to start doing a yearly price comparison from insurance carriers in Santa Ana.

  • Step 1: It will benefit you to learn about individual coverages and the measures you can take to drop your rates. Many rating criteria that increase rates like traffic violations and a bad credit score can be remedied by being financially responsible and driving safely.
  • Step 2: Quote rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only provide price estimates from a single company like GEICO and State Farm, while independent agencies can quote rates from multiple sources. Select a company
  • Step 3: Compare the new rate quotes to the price on your current policy to see if cheaper WRX coverage is available. If you find a lower rate and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
  • Step 4: Give notification to your current company to cancel your current policy. Submit a signed application and payment to the new company. Once the paperwork is finalized, keep the new certificate verifying proof of insurance in your vehicle.

The most important part of this process is to use identical deductibles and limits on every price quote and and to get prices from as many companies as you can. This enables a fair rate comparison and a thorough price selection.

We hope to let you in on how to effectively get price quotes. If you have car insurance now, you will most likely be able to lower your rates using the ideas covered in this article. But California drivers can benefit by having an understanding of the way insurance companies sell online and use it to find better rates.

When comparing auto insurance rates, know that comparing more prices helps you find lower pricing. Not every company provides online rate quotes, so it's important to compare price estimates from them as well.

The car insurance companies shown below have been selected to offer free quotes in California. If multiple providers are shown, we suggest you click on several of them in order to find the cheapest rates.

Why auto insurance is not optional

Even though Santa Ana WRX insurance rates can get expensive, paying for auto insurance may be required and benefits you in several ways.

  • Almost all states have minimum mandated liability insurance limits which means state laws require specific minimum amounts of liability protection if you don't want to risk a ticket. 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 have a loan on your Subaru WRX, more than likely the lender will require that you carry insurance to ensure loan repayment if the vehicle is totaled. If you default on your policy, the bank will be required to insure your Subaru at a more expensive rate and force you to pay for the expensive policy.
  • Auto insurance preserves both your Subaru WRX and your assets. Insurance will also pay for medical expenses for both you and anyone you injure as the result of an accident. Liability insurance will also pay to defend you if anyone sues you for causing an accident. If your vehicle suffers damage from an accident or hail, collision and comprehensive coverages will cover the damage repairs after a deductible is paid.

The benefits of insuring your car greatly outweigh the cost, particularly when you have a large claim. The average driver in America overpays more than $810 a year so compare quotes from several companies every year to save money.

Six Things That Affect Your Insurance Costs

It's important that you understand the different types of things that help determine the level of your policy premiums. When you know what positively or negatively determines premiums, this enables you to make decisions that could help you find lower rates.

The items below are most of the major factors used by companies to determine prices.

  • How your age affects prices - More mature drivers are viewed as being more responsible, statistically cause fewer accidents, and get fewer tickets. Drivers with little experience are statistically shown to be inattentive when driving so car insurance rates are higher.
  • Your vocation is a factor - Do you have a high-stress occupation? Careers such as military personnel, executives, and dentists generally pay higher rates than average in part from high stress levels and lots of time spent at work. On the flip side, occupations such as professors, engineers and performers have lower than average premiums.
  • Premiums increase with driving tickets - Attentive drivers get better prices than their less careful counterparts. Having just one moving violation can increase rates forty percent or more. Drivers unfortunate enough to have serious citations like reckless driving, hit and run or driving under the influence are required to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to prevent their license from being revoked.
  • Raising deductibles lowers premiums - Coverage for physical damage, termed comprehensive and collision coverage on your policy, covers your vehicle from damage. Some instances where coverage would apply are a dented fender, collision with an animal, and damage from a fallen tree branch. Comp and collision deductibles state the amount of money the insured will be required to pay if you file a covered claim. The larger the amount the insured has to pay upfront, the lower your rates will be.
  • Fast cars cost more to insure - The make and model of the car, truck or SUV you need to insure makes a big difference in the rate you pay. Economy passenger models normally have pretty low rates, but the cost you end up paying is determined by many additional factors.
  • Drive less and get lower costs - Driving a lot of miles each year the more you will pay for car insurance. Many insurance companies charge to insure your cars based on how the vehicle is used. Cars that have low annual miles receive lower rates than those that get driven frequently. Incorrect rating for your WRX may be costing you. Double check that your car insurance declarations sheet properly reflects the correct usage.

  • Loss probability for a Subaru WRX - Companies use claims history to help set a rate to offset losses. Vehicles that historically have high amounts or severity of claims will cost more for specific coverages. The information below illustrates the insurance loss data for Subaru WRX vehicles.

    For each coverage category, the claim probability for all vehicles, as a total average, is considered to be 100. Numbers under 100 imply a favorable loss record, while numbers above 100 point to more claims or tendency to have higher losses.

    Insurance Loss Ratings for Subaru WRX Vehicles
    Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
    Subaru WRX 4WD 141 82 158 94 81 84
    BETTER
    AVERAGE
    WORSE

    Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

The best insurance company isn't always the cheapest

When buying insurance coverage, you should never reduce coverage to reduce premium. In many instances, drivers have reduced liability coverage limits only to regret at claim time they didn't have enough coverage. Your aim should be to get the best coverage possible for the lowest cost, not the least amount of coverage.

In this article, we presented many tips how you can find cheap Subaru WRX insurance in Santa Ana. The key thing to remember is the more rate comparisons you have, the higher the chance of saving money. You may even find the lowest priced car insurance comes from some of the lesser-known companies. These companies may only write in your state and offer lower auto insurance rates than the large multi-state companies such as GEICO and State Farm.

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