It's easy to assume that auto insurance companies don't want you to compare rates. Insureds who compare other rates are likely to move their business because there are good odds of finding a lower-priced policy. A recent survey found that people who compared rates annually saved approximately $3,500 over four years compared to drivers who never shopped around.
If finding the cheapest rates on auto insurance is your goal, then understanding the best ways to shop for insurance rates can make it easier to find better rates.
If your goal is the lowest price, then the best way to save money on Toyota Yaris insurance in Santa Ana is to make a habit of comparing prices annually from providers who can sell car insurance in California. Drivers can shop around by following these steps.
- First, get a basic knowledge of how insurance companies determine prices and the steps you can take to keep rates in check. Many risk factors that cause rate increases such as at-fault accidents, careless driving, and your credit history can be amended by being financially responsible and driving safely. Continue reading for additional tips to lower rates and get additional discounts.
- Second, quote rates from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from one company like GEICO and Allstate, while agents who are independent can quote rates for a wide range of insurance providers.
- Third, compare the new quotes to your current policy premium to determine if you can save on Yaris insurance in Santa Ana. If you can save some money and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Fourth, provide proper notification to your current company of your decision to cancel your current coverage. Submit payment and a completed application to your new carrier. Immediately upon receiving it, place your new certificate of insurance in an easily accessible location in your vehicle.
An important part of this process is to use identical deductibles and limits on each quote request and and to get price estimates from as many different insurance providers as possible. This provides the most accurate price comparison and the best rate selection.
If you have a policy now or just want to reduce your rates, use these tips to find better prices and still get good coverage. Finding quotes for more affordable coverage in Santa Ana is simple if you know the tricks. Smart buyers just need to use the tricks to compare different rates over the internet.
How to buy Santa Ana Toyota Yaris insurance online
The companies in the list below are our best choices to provide free quotes in California. If multiple companies are shown, it's a good idea that you get rate quotes from several of them to find the most affordable car insurance rates.
Do you qualify for discounts on Toyota Yaris insurance in Santa Ana?
Insurance can be prohibitively expensive, but there may be some discounts to cut the cost considerably. A few discounts will automatically apply when you quote, but a few need to be asked for before you will receive the discount.
- E-sign Discounts - Some of the larger companies will give a small break get Santa Ana car insurance on the internet.
- Policy Bundle Discount - If you can combine your auto and homeowners policy with the same company you may earn nearly 15% which can help you find affordable Toyota Yaris insurance rates in Santa Ana.
- Early Signing - Some larger companies reward drivers for switching to them before your current Yaris insurance policy expires. It could save around 10% when you buy Santa Ana car insurance online.
- Theft Deterrent - Vehicles that have factory anti-theft systems can help prevent theft and will save you 10% or more on Yaris insurance in Santa Ana.
- Federal Government Employee - Simply working for the federal government may qualify for a discount when you quote Santa Ana car insurance depending on your auto insurance provider.
- Passive Restraints and Air Bags - Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts as much as 30%.
- Senior Citizen Rates - Older drivers may qualify for lower premium rates.
- College Student Discount - Youth drivers who live away from home to go to college and don't have a car may be able to be covered for less.
Consumers should know that some of the credits will not apply to all coverage premiums. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Even though it appears you would end up receiving a 100% discount, companies don't profit that way.
The information below shows the comparison of Toyota Yaris yearly insurance costs with and without discounts applied to the policy premium. The premiums assume a male driver, no violations or accidents, California state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, safe-driver, homeowner, marriage, and multi-policy discounts applied.
Car insurance companies who might offer some of the above discounts are:
Before you buy a policy, ask each insurance company how many discounts you can get. Some discounts listed above might not be available to policyholders everywhere. To locate insurance companies with discount rates in Santa Ana, follow this link.
Facts and figures for Toyota Yaris insurance
The table displayed below showcases estimates of insurance policy prices for Toyota Yaris models. Having a better idea how insurance prices are established is important for drivers to make smart choices when comparing insurance quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Yaris 2-Dr Hatchback | $256 | $564 | $524 | $32 | $156 | $1,532 | $128 |
| Yaris 4-Dr Hatchback | $256 | $564 | $464 | $28 | $138 | $1,450 | $121 |
| Yaris 4-Dr Sedan | $256 | $564 | $464 | $28 | $138 | $1,450 | $121 |
| Yaris S 2-Dr Hatchback | $294 | $564 | $524 | $32 | $156 | $1,570 | $131 |
| Yaris S 4-Dr Hatchback | $294 | $564 | $464 | $28 | $138 | $1,488 | $124 |
| Yaris S 4-Dr Sedan | $294 | $564 | $464 | $28 | $138 | $1,488 | $124 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Prices do not factor in specific location which can affect price quotes substantially.
Rate comparison for different deductibles
The hardest decision when buying coverage is which comprehensive and collision deductibles to buy. The following insurance rates may help to conceptualize the difference in cost between low and high policy deductibles. The first data set uses a $250 comprehensive and collision deductible and the second set of rates uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Yaris 2-Dr Hatchback | $298 | $576 | $500 | $30 | $150 | $1,579 | $132 |
| Yaris 4-Dr Hatchback | $298 | $576 | $442 | $26 | $132 | $1,499 | $125 |
| Yaris 4-Dr Sedan | $298 | $576 | $442 | $26 | $132 | $1,499 | $125 |
| Yaris S 2-Dr Hatchback | $342 | $576 | $500 | $30 | $150 | $1,623 | $135 |
| Yaris S 4-Dr Hatchback | $342 | $576 | $442 | $26 | $132 | $1,543 | $129 |
| Yaris S 4-Dr Sedan | $342 | $576 | $442 | $26 | $132 | $1,543 | $129 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Yaris 2-Dr Hatchback | $184 | $362 | $500 | $30 | $150 | $1,226 | $102 |
| Yaris 4-Dr Hatchback | $184 | $362 | $442 | $26 | $132 | $1,146 | $96 |
| Yaris 4-Dr Sedan | $184 | $362 | $442 | $26 | $132 | $1,146 | $96 |
| Yaris S 2-Dr Hatchback | $210 | $362 | $500 | $30 | $150 | $1,252 | $104 |
| Yaris S 4-Dr Hatchback | $210 | $362 | $442 | $26 | $132 | $1,172 | $98 |
| Yaris S 4-Dr Sedan | $210 | $362 | $442 | $26 | $132 | $1,172 | $98 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Premium amounts do not factor in specific location which can decrease or increase premium rates considerably.
Based on this data, we can arrive at the conclusion that using a $250 deductible will cost you roughly $30 more each month or $360 every year than quoting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you go more than 25 months between claims, you would probably save some money by selecting a higher deductible. Here's an example of how you can do this calculation yourself.
| Average monthly premium for $250 deductibles: | $129 |
| Average monthly premium for $1,000 deductibles (subtract): | - $99 |
| Monthly savings from raising deductible: | $30 |
| Difference between deductibles ($1,000 - $250): | $750 |
| Divide difference by monthly savings: | $750 / $30 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 25 months |
The example below shows how choosing a deductible and can change Toyota Yaris insurance costs for different age groups. The prices are based on a single male driver, full coverage, and no discounts are factored in.
Toyota Yaris liability rates compared to full coverage
The chart below visualizes the comparison of Toyota Yaris insurance costs with and without physical damage coverage. The rates are based on no claims or driving violations, $250 deductibles, drivers are single, and no other discounts are factored in.
Are you wasting money paying for full coverage?
There is no definitive guideline to drop physical damage insurance, but there is a general guideline you can use. If the annual cost of coverage is more than around 10% of the vehicle's replacement cost less your deductible, then it might be time to buy liability only.
For example, let's say your Toyota Yaris claim settlement value is $9,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $8,000 after you pay the deductible. If you are paying more than $800 annually to have full coverage, then you might consider buying liability only.
There are some circumstances where eliminating full coverage is not advised. If you haven't paid off your loan, you have to keep full coverage to protect the lienholder's interest in the vehicle. Also, if you can't afford to buy a different vehicle if your current one is damaged, you should not buy liability only.
Choices You Make Can Impact Your Insurance Prices
Part of the car insurance buying process is learning some of the elements that help calculate the level of your policy premiums. When you know what positively or negatively determines base rates, this allows you to make educated decisions that could help you find lower car insurance prices.
Small claims can cost you - Insurance companies in California give lower rates to insureds who only file infrequent claims. If you file a lot of claims you can definitely plan on either policy cancellation or increased premiums. Insurance coverage is meant to be used in the event of the bigger claims that can't be paid out-of-pocket.
Pay more for higher performance vehicles - The performance of the car, truck or SUV you need insurance for makes a huge difference in how high your rates are. Lower cost passenger vehicles generally receive the lowest base rates, but there are many factors that impact the final cost.
The data below assumes a married male driver age 30, full coverage with $250 deductibles, and no discounts or violations. It shows Toyota Yaris rates compared to other models of vehicles that have different risk factors.
Your location is a factor - Choosing to live in small towns and rural areas has it's advantages when it comes to car insurance. City drivers have traffic congestion and much longer commute distances. Fewer drivers translates into fewer accidents and also fewer theft and vandalism claims.
Insure car and home with the same company - Most companies provide lower prices to insureds who have multiple policies with them in the form of a multi-policy discount. Discounts can amount to ten percent or more. If you currently are using one company, drivers will still want to check prices from other companies to verify if the discount is saving money.
Deter theft and pay less - Owning a car with advanced anti-theft systems can earn a premium discount. Systems that thwart thieves like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system can help prevent car theft and help bring rates down.
Insurance loss data for Toyota Yaris vehicles - Insurers analyze claim trends for every vehicle in order to profitably underwrite each model. Vehicles that the data determines to have a trend towards higher claim severity or frequency will have a higher premium rate. The table below shows the compiled insurance loss statistics for Toyota Yaris vehicles.
For each type of coverage, the claim probability for all vehicles, regardless of make, model or trim level, equals 100. Numbers below 100 indicate a favorable loss history, while values over 100 indicate higher probability of having a loss or statistically larger losses.
| Make and Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Toyota Yaris | 94 | 88 | 92 |
Empty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Independent and exclusive auto insurance agents
Some people still prefer to go talk to an agent and that is a personal choice. Professional insurance agents are trained to spot inefficiencies and help in the event of a claim. A good thing about price shopping on the web is that you can find cheap insurance quotes and still choose a local agent. Supporting local agencies is still important in Santa Ana.
To make it easy to find an agent, after completing this form (opens in new window), the quote information is emailed to local insurance agents in Santa Ana that give free quotes and help you find cheaper coverage. It makes it easy because there is no need to search for any insurance agencies since rate quotes are delivered directly to your email. If you need to get a rate quote from a particular provider, you would need to find their quoting web page to submit a rate quote request.
If you are wanting to find a reputable insurance agent or broker, there are two different types of agencies and how they are slightly different. Insurance policy providers can be described as either exclusive or independent agents depending on their company appointments. Both can provide insurance policies, but it's important to know how they differ since it can affect which type of agent you select.
Independent Insurance Agencies or Brokers
Independent agencies are not locked into one company and that allows them to write policies with an assortment of companies and possibly get better coverage at lower prices. If they find a lower price, the agent simply finds a different carrier and you can keep the same agent.
When searching for an agent, we recommend you contact independent agents so that you have a good selection of quotes to compare. They also have the ability to place coverage with less well-known companies that may have much lower rates than larger companies.
Shown below is a partial list of independent insurance agents in Santa Ana that may be able to give free rate quotes.
- Premier One Insurance Services
2755 N Grand Ave - Santa Ana, CA 92705 - (714) 288-6060 - View Map - SureCo Insurance Agency
201 Sandpointe Ave Suite 600 - Santa Ana, CA 92707 - (866) 845-9815 - View Map - Nano Insurance Services
423 E First St - Santa Ana, CA 92701 - (714) 564-0398 - View Map
Exclusive Insurance Agents
These type of agents can only write with one company and examples are State Farm, Allstate and AAA. Exclusive agents cannot provide prices from multiple companies so if the price isn't competitive there isn't much they can do. Exclusive agencies are well schooled on their company's products which helps overcome the inability to quote other rates. Consumers often choose to use an exclusive agent partially due to the brand legacy and the convenience of having all coverages with one company.
Below is a short list of exclusive insurance agents in Santa Ana who can help you get comparison quotes.
- Eddie Quillares Jr - State Farm Insurance Agent
415 N Broadway - Santa Ana, CA 92701 - (714) 617-7150 - View Map - Farmers Insurance - Daniel Canzone
2323 N Tustin Ave, Ste E-F - Santa Ana, CA 92705 - (714) 203-6033 - View Map - Farmers Insurance - Samuel Friar
2961 W MacArthur Blvd #123 - Santa Ana, CA 92704 - (714) 662-3830 - View Map
Finding the right insurance agency should include more criteria than just a cheap quote. These are some questions your agent should answer.
- Can they help ensure a fair claim settlement?
- Does the company allow you to choose your own collision repair facility?
- Is assistance available after office hours?
- What insurance companies do they work with in Santa Ana?
- How long has their agency been open in Santa Ana?
- How many years of experience in personal auto insurance do they have?
In conclusion
Drivers leave their current company for many reasons like being labeled a high risk driver, policy cancellation, delays in paying claims and even policy non-renewal. It doesn't matter what your reason, switching car insurance companies is not as hard as you think.
You just read quite a bit of information on how to reduce Toyota Yaris insurance prices online in Santa Ana. The key concept to understand is the more companies you get rates for, the higher your chance of finding low cost Santa Ana car insurance quotes. Consumers may even find the lowest prices come from a lesser-known regional company.
Some companies may not offer the ability to get a quote online and most of the time these small, regional companies work with independent agencies. Cost effective Toyota Yaris insurance is possible online as well as from insurance agents, so you need to compare both to have the best chance of lowering rates.
Additional information can be found at these links:
- Hybrid vehicles cost insurers more (Insurance Institute for Highway Safety)
- What Auto Insurance is Cheapest for Seniors in Santa Ana? (FAQ)
- Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)
- Auto Insurance Facts and Statistics (Insurance Information Institute)
- Your Car has been Stolen: Now What? (Allstate)