To save the most money, the best way to find cheaper auto insurance rates is to annually compare prices from companies in Santa Ana. You can compare rates by completing these steps.
- Get an understanding of what coverages are included in your policy and the modifications you can make to lower rates. Many rating criteria that result in higher rates such as careless driving and a bad credit score can be improved by paying attention to minor details. Later in this article we will cover more details to help reduce premium rates and get discounts that may be overlooked.
- Obtain price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can give quotes from one company like GEICO and Allstate, while independent agencies can quote rates from multiple companies.
- Compare the new rates to your existing policy to see if switching to a new carrier will save money. If you find a better price and decide to switch, make sure there is no lapse between the expiration of your current policy and the new one.
- Notify your agent or company of your decision to cancel your current car insurance policy and submit a down payment along with a completed application for the new policy. As soon as you have the new policy, store the certificate of insurance in your vehicle's glove compartment or console.
One piece of advice is to use the same level of coverage on every quote and and to get prices from as many companies as feasibly possible. This helps ensure a fair rate comparison and a thorough price selection.
It's easy to assume that car insurance companies don't want you to compare rates. Insureds who shop around for cheaper prices are likely to switch companies because there is a great chance of finding discount prices. A recent survey found that drivers who routinely shopped around saved about $865 a year compared to those who never compared other company's rates.
If finding discount rates on Toyota Land Cruiser insurance in Santa Ana is your goal, then having a grasp of how to find and compare insurance rates can help you succeed in saving money.
Companies offering low-cost Toyota Land Cruiser rates in Santa Ana, CA
The companies shown below can provide price quotes in California. If several companies are displayed, we suggest you visit as many as you can to get the most affordable price.
Auto insurance statistics and figures
The coverage information displayed next showcases detailed analysis of insurance policy prices for Toyota Land Cruiser models. Being aware of how rates are determined can help drivers make decisions when shopping around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Land Cruiser | $590 | $882 | $578 | $34 | $174 | $2,258 | $188 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Information does not factor in garaging location in Santa Ana which can revise coverage prices significantly.
Deductible comparison
One of the most common auto insurance questions is what deductibles to buy. The rates shown below approximate the difference in cost when you buy lower versus higher coverage deductibles. The first rate table uses a $100 deductible for physical damage and the second data table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Land Cruiser | $576 | $1054 | $442 | $26 | $132 | $2,255 | $188 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Land Cruiser | $320 | $556 | $442 | $26 | $132 | $1,476 | $123 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Premium amounts do not factor in the specific area where the vehicle is garaged which can impact price quotes considerably.
Based on these figures, using a $100 deductible will cost in the ballpark of $65 more each month or $780 every year than choosing the higher $1,000 deductible. Since you would pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you usually have at least 14 months between claims, you would save money if you elect the higher deductible. The numbers below show a better example of how you can do this calculation yourself.
| Average monthly premium for $100 deductibles: | $188 |
| Average monthly premium for $1,000 deductibles (subtract): | - $123 |
| Monthly savings from raising deductible: | $65 |
| Difference between deductibles ($1,000 - $100): | $900 |
| Divide difference by monthly savings: | $900 / $65 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 14 months |
The illustration below demonstrates how deductible levels and can affect Toyota Land Cruiser annual premium costs for different age groups of insureds. Data assumes a married male driver, full coverage, and no additional discounts are factored in.
How You Can Control Toyota Land Cruiser Insurance Premiums
Part of the insurance buying process is learning a few of the rating criteria that are used to determine your insurance rates. If you know what determines premiums, this enables you to make decisions that may result in lower insurance prices. Lots of things are used in the calculation when pricing auto insurance. Some factors are common sense like your driving record, but others are more transparent such as your credit history or how safe your car is.
The factors shown below are a few of the things used by companies to determine your premiums.
Is your vehicle theft-ready? - Choosing a vehicle with an alarm system can save you a little every year. Theft prevention devices like OnStar, LoJack tracking, and tamper alarms all help prevent auto theft.
Too many claims and you'll pay more - Insurance companies in California provide better rates to policyholders who are not frequent claim filers. If you are the type of insured that files lots of claims you can expect higher rates. Auto insurance is intended for the large, substantial claims.
Save money by having high credit - Having a good credit score will be a significant factor in determining your rates. Consumers who have high credit scores tend to be better drivers and file fewer claims than drivers with lower ratings. Therefore, if your credit score can use some improvement, you could pay less to insure your Toyota Land Cruiser by repairing your credit.
More performance means higher prices - The performance level of the car you are insuring makes a substantial difference in your auto insurance rates. The cheapest insurance rates tend to be for lower performance four cylinder passenger cars, but other factors influence the final cost greatly.
The following data uses these variables: single female driver age 30, full coverage with $500 deductibles, and no discounts or violations. The chart compares Toyota Land Cruiser policy rates compared to other models of vehicles that have different performance rating factors.
Pleasure use saves money - The more miles you rack up on your Toyota every year the more you'll pay to insure your vehicle. A lot of companies charge to insure your cars based upon how you use the vehicle. Autos left parked in the garage receive better premium rates than cars that get driven a lot. It's a smart idea to ensure your policy states the correct usage for each vehicle. An incorrectly rated Land Cruiser is throwing money out the window.
Is car insurance cheaper for males or females? - Over time, data shows women tend to be less risk to insure than men. This data doesn't prove that men are worse drivers. Both sexes cause accidents at about the same rate, but men cause more damage and cost insurance companies more money. Not only that, but men also receive more costly citations like DUI and reckless driving.
The information below illustrates the comparison of Toyota Land Cruiser annual premium costs for male and female drivers. The premiums assume no tickets, no at-fault accidents, comprehensive and collision coverage, $500 deductibles, single marital status, and no discounts are factored in.
Get better rates if married - Getting married actually saves money on insurance. Having a significant other is viewed as being more financially stable and it's statistically proven that married drivers tend to file fewer claims.
Save money with higher coverage deductibles - Protection for physical damage, aka comp and collision, helps pay for damage to your vehicle. Some instances where coverage would apply are running into the backend of another car, vandalism, and damage from a fallen tree branch. Deductibles for physical damage are how much you are required to spend out-of-pocket before a claim is paid by your company. The more you pay before a claim is paid (deductible), the less your insurance will be.
Insurance loss data for Toyota Land Cruiser vehicles - Insurers analyze claim trends for every vehicle as a way to help calculate a profitable premium rate. Vehicles that historically have increased losses will be charged more to insure. The next table shows the collected loss data for Toyota Land Cruiser vehicles.
For each policy coverage type, the claim probability for all vehicles, regardless of make or model, is set at 100. Values that are 100 or less indicate better than average losses, while percentage values above 100 indicate more frequent losses or larger claims.
| Vehicle Make and Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Toyota Land Cruiser 4dr 4WD | 94 | 88 | 171 |
Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Santa Ana insurance discounts for a Toyota Land Cruiser
Properly insuring your vehicles can get expensive, but you may qualify for discounts that can drop the cost substantially. Some of these discounts will be visible when you complete an application, but some may not be applied and must be specially asked for prior to getting the savings.
- Data Collection Discounts - Drivers that enable companies to monitor driving habits through the use of a telematics system like Drivewise from Allstate or In-Drive from State Farm could save a few bucks if their driving habits are good.
- Good Student - Being a good student can save 20 to 25%. The good student discount can last up until you turn 25.
- Accident Waiver - Not a discount per se, but some insurance companies will let one accident slide without raising rates so long as you are claim-free prior to being involved in the accident.
- Seat Belt Usage - Forcing all vehicle occupants to fasten their seat belts could save 15% off the medical payments premium.
- Savings for New Vehicles - Insuring a vehicle that is new can get you a discount because newer vehicles have to meet stringent safety requirements.
- Multi-line Discount - Not all car insurance companies offer life insurance, but some may give you a lower premium rate if you buy some life insurance in addition to your auto policy.
You can save money using discounts, but most credits do not apply to the whole policy. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like all the discounts add up to a free policy, you aren't that lucky.
The example below compares Toyota Land Cruiser insurance costs with and without discounts being applied to the rates. The premiums assume a female driver, no violations or claims, 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-policy, safe-driver, homeowner, marriage, claim-free, and multi-car discounts applied.
Car insurance companies who might offer these money-saving discounts are:
Before you buy a policy, ask every prospective company which discounts you qualify for. Some of the earlier mentioned discounts may not apply to policies in every state. If you would like to choose from a list of providers with discount car insurance rates in California, click this link.
When to get advice from a local insurance agent
Many people prefer to talk to a local agent and we recommend doing that A nice benefit of comparing insurance prices online is the fact that you can find the lowest rates and still have an agent to talk to.
For easy comparison, once you complete this simple form, your insurance data is submitted to insurance agents in Santa Ana who will give competitive quotes for your coverage. It makes it easy because there is no need to leave your computer because prices are sent to you instantly. You can most likely find cheaper rates without a big time investment. If for some reason you want to get a comparison quote from one company in particular, you would need to search and find their rate quote page and fill out their quote form.
Finding the right insurer requires more thought than just a cheap price quote. You should also get answers to these questions.
- How experienced are they in personal risk management?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Can you get a list of referrals?
- Has the agent ever had any license suspensions?
- If you are a high risk driver, do they have special markets for your coverage?
- Are they involved in claim handling?
When searching for a reliable agent, there are two different agency structures and how they differ in how they quote coverages. Insurance agencies may be either exclusive or independent agents depending on their company appointments.
Exclusive Insurance Agents
Agents of this type have only one company to place business with and some examples include Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agents cannot compare other company's rates so they have no alternatives for high prices. Exclusive agents are well schooled on their company's products and that enables them to sell even at higher rates. Consumers sometimes choose to use a exclusive agent primarily because of the brand name rather than low rates.
Below is a list of exclusive agents in Santa Ana that can give you comparison quotes.
- Farmers Insurance - Jose Garrido
705 W 17th St, Ste B-2 - Santa Ana, CA 92706 - (714) 558-4814 - View Map - Farmers Insurance: Patricia Kelly
310 N Tustin Ave #A - Santa Ana, CA 92705 - (714) 541-3334 - View Map - State Farm Insurance: Luis Olmedo
600 S Grand Ave #101 - Santa Ana, CA 92705 - (714) 486-3441 - View Map
Independent Insurance Agents
Independent insurance agents often have affiliation with several companies and that is an advantage because they can write policies with multiple insurance companies and possibly get better coverage at lower prices. If they quote lower rates, your agent can just switch to a different company which requires no work on your part.
When searching for an agent, you will definitely want to get quotes from at least one independent agent so that you have a good selection of quotes to compare. Many independent agencies also insure through mutual insurance companies which may have better rates.
Below is a list of independent agents in Santa Ana that are able to give rate quotes.
- Palmer Insurance and Income Tax
631 N Main St - Santa Ana, CA 92701 - (714) 835-0840 - View Map - CRC Insurance Services Inc
1551 N Tustin Ave # 450 - Santa Ana, CA 92705 - (714) 689-0101 - View Map - California Insurance Specialists
400 N Tustin Ave # 425 - Santa Ana, CA 92705 - (714) 558-8041 - View Map
Do I just need basic coverages?
Keep in mind that when it comes to choosing the best auto insurance coverage, there really isn't a perfect coverage plan. You are unique.
For example, these questions might point out whether you will benefit from professional help.
- How can I find cheaper teen driver insurance?
- Who does medical payments coverage extend to?
- What is UM/UIM insurance?
- Will filing a claim cost me more?
- Is coverage enough to protect my assets?
- Do I need replacement cost coverage?
- Does my policy cover me when driving someone else's vehicle?
- Can I cancel at any time?
If you don't know the answers to these questions, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form.
Don't give up on cheap coverage
Consumers change insurance companies for a number of reasons such as unfair underwriting practices, not issuing a premium refund, extreme rates for teen drivers or even delays in responding to claim requests. It doesn't matter what your reason, choosing a new company is less work than it seems.
As you shop your coverage around, it's very important that you do not buy poor coverage just to save money. There are a lot of situations where an insured cut collision coverage only to discover later that their decision to reduce coverage ended up costing them more. Your objective should be to buy a smart amount of coverage for the lowest price, but do not skimp to save money.
You just learned some good ideas how you can lower your Toyota Land Cruiser insurance rates in Santa Ana. The key thing to remember is the more rate comparisons you have, the higher your chance of finding inexpensive Santa Ana car insurance quotes. Consumers could even find that the best price on auto insurance is with a smaller regional carrier.
Much more information about auto insurance in California is available below:
- Child Safety Seats (Insurance Information Institute)
- How Much is Santa Ana Auto Insurance for Good Students? (FAQ)
- Who Has Affordable Santa Ana Car Insurance Quotes for a Dodge Ram? (FAQ)
- Anti-Lock Brake FAQ (iihs.org)
- Eight Auto Insurance Myths (Insurance Information Institute)
- Distracted Driving (Insurance Information Institute)