Affordable Volkswagen Golf Insurance in Santa Ana

The preferred way to get more affordable auto insurance rates in Santa Ana is to regularly compare price quotes from providers in California. Price quotes can be compared by following these steps.

Step 1: Take a little time to learn about individual coverages and the steps you can take to keep rates low. Many risk factors that are responsible for high rates like accidents, traffic violations, and poor credit rating can be eliminated by making lifestyle changes or driving safer.

Step 2: Request price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only quote rates from a single company like Progressive and State Farm, while independent agencies can give you price quotes from multiple companies. View a list of agents

Step 3: Compare the price quotes to your current policy to see if cheaper Golf coverage is available in Santa Ana. If you find better rates and decide to switch, make sure there is no coverage gap between policies.

Step 4: Give notification to your current company of your decision to cancel your current coverage. Submit payment and a completed application to the new company. As soon as you can, keep your new proof of insurance certificate with the vehicle registration.

One tip to remember is to try to compare identical deductibles and limits on each quote and and to get quotes from as many auto insurance providers as possible. Doing this enables an accurate price comparison and a thorough selection of prices.

A recent insurance study discovered that most insurance buyers have bought insurance from the same company for at least the last four years, and just under half have never compared rates to find affordable insurance. Many consumers in Santa Ana could pocket almost $470 a year, but they don't invest the time required to do a rate comparison.

What Determines Volkswagen Golf Insurance Costs?

Many factors are taken into consideration when you quote your car insurance policy. Most are fairly basic such as your driving history, but other criteria are not as apparent such as whether you are married or how financially stable you are. Part of the insurance buying process is learning the factors that help determine your insurance rates. If you know what controls the rates you pay, this allows you to make good choices that may result in big savings.

Discounts for auto and home policies - Some companies will give better rates to customers that buy multiple policies in the form of a multi-policy discount. The amount of the discounts can be five, ten or even twenty percent. Even though this discount sounds good, it's in your best interest to comparison shop to ensure the best deal. Consumers may find lower rates by buying from different companies

Rental and towing coverage may not be needed - There are quite a few optional add-on coverages that can waste your money when buying insurance. Insurance for vanishing deductibles, towing coverage, and term life insurance may be wasting your money. These may sound like a good investment when discussing your needs, but if you have no use for them remove them and pocket the money.

An active insurance claims history can increase rates - If you file claims often, you can pretty much guarantee increased rates or even have your policy non-renewed. Companies in California award cheaper rates to drivers who do not rely on their insurance for small claims. Your car insurance is meant to be used in the event of the large, substantial claims.

Premiums are affected by your credit history - Having a bad credit history will be a significant factor in calculating your insurance rates. Insureds with very high credit ratings tend to be more responsible and file fewer claims as compared to drivers with poor credit. If your credit score can use some improvement, you could pay less to insure your Volkswagen Golf by taking the time to improve your credit score.

High comp and collision deductibles cost less - Deductibles for physical damage are how much you are willing to pay if a covered claim is submitted. Physical damage protection, also called comprehensive and collision insurance, is used to repair damage to your car. Some examples of claims that would be covered are colliding with a stationary object, collision with a deer, and damage from wind. The more expense the insured has to pay upfront, the bigger discount you will receive.

Where do you drive? - The higher the miles on your Volkswagen in a year's time the higher your rates will be. A lot of insurance companies calculate rates partially by how you use the vehicle. Cars that are left in the garage can get a lower rate compared to those used for work or business. Double check that your declarations sheet states the proper vehicle usage, because improper ratings can cost you money. An incorrectly rated Golf may be wasting your money.

Insurance loss probability for a Volkswagen Golf - Companies use historical loss data to help set a rate to offset losses. Vehicles that the data shows to have higher frequency or amount of claims will have higher premium rates.

The table below outlines the historical loss data for Volkswagen Golf vehicles. For each policy coverage type, the loss probability for all vehicles averaged together is equal to 100. Numbers that are below 100 indicate better than average losses, while percentage numbers above 100 point to more frequent losses or statistically larger losses.

Volkswagen Golf insurance rates and statistics

The rate information shown next highlights detailed analysis of insurance rates for Volkswagen Golf models. Having a better idea how premiums are calculated can be valuable when making smart choices when comparing insurance quotes.

Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Information does not factor in vehicle location which can revise price quotes substantially.

An analysis of deductible level

When comparing insurance rates, the most common question is which comprehensive and collision deductibles to buy. The premium rates below can help you understand the difference in cost between low and high comp and collision deductibles. The first table uses a $250 comprehensive and collision deductible and the second pricing table uses a $1,000 deductible.

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Price estimates do not factor in your specific Santa Ana location which can affect premiums substantially.

Based on this data, using a $250 deductible costs an average of $36 more each month or $432 each year across all Volkswagen Golf models than opting for the higher $1,000 deductible. Because you would be required to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you average at a minimum 21 months between claims, you would more than likely save some money if you elect the higher deductible. The illustration below shows a better example of how you can perform this determination yourself.

One thing to note is that increasing deductibles to lower your rates results in more money out-of-pocket when you do file a claim. You should have some money saved in order to pay the higher deductible in order to repair your vehicle.

The illustration below demonstrates how deductibles and can raise or lower Volkswagen Golf annual premium costs for each different age group. The information is based on a married female driver, comp and collision included, and no discounts are applied to the premium.

Does full coverage make sense?

The diagram below shows the difference between Volkswagen Golf yearly insurance costs with full physical damage coverage compared to only buying liability only. The costs are based on no driving violations, no at-fault accidents, $500 deductibles, drivers are not married, and no policy discounts are applied.

Deciding between full coverage and liability only

There is no definitive guideline for eliminating comp and collision coverage, but there is a general convention. If the annual cost of coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it could be time to drop full coverage.

For example, let's say your Volkswagen Golf replacement cost is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would get paid by your company is $8,000 after you pay the deductible. If you are paying over $800 annually for your policy with full coverage, then you might want to consider buying only liability coverage.

There are some cases where only buying liability is not in your best interest. If you still owe money on your vehicle, you must maintain physical damage coverage in order to keep the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should keep full coverage in place.

Insurance policy discounts for Volkswagen Golf insurance in Santa Ana

Insurance can cost an arm and a leg, but you may qualify for discounts that can dramatically reduce your bill. Some of these discounts will be visible when you complete an application, but some may not be applied and must be specifically requested before you will receive the discount.

• Accident Waiver - Not really a discount, but a few companies such as State Farm and GEICO allow you one accident before hitting you with a surcharge so long as you are claim-free for a certain period of time.
• Good Drivers - Insureds without accidents can get discounts for up to 45% lower rates than their less cautious counterparts.
• More Vehicles More Savings - Buying insurance for all your vehicles on one policy may reduce the rate for each vehicle.
• Student Discount for Driver Training - Have your child participate in a local driver's education class in high school.
• Driving Data Discount - Drivers that enable data collection to study driving patterns by using a small device installed in their vehicle like Allstate's Drivewise may get a rate reduction if they show good driving skills.
• Theft Deterrent - Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems help deter theft and earn discounts up to 10% off your Santa Ana car insurance quote.
• No Accidents - Insureds with no claims or accidents pay much less in comparison with bad drivers.
• Paper-free Discount - A few insurance companies will give a small break just for signing your application on the internet.
• Own a Home and Save - Owning your own home or condo may earn you a small savings since owning and maintaining a home is proof of financial responsibility.
• Passenger Safety Discount - Vehicles equipped with air bags or motorized seat belts may earn rate discounts of 25 to 30%.

Don't be shocked that some of the credits will not apply to the overall cost of the policy. A few only apply to individual premiums such as comp or med pay. So even though they make it sound like having all the discounts means you get insurance for free, it doesn't quite work that way.

The illustration below compares Volkswagen Golf insurance prices with and without discounts applied to the premium. The data assumes a male driver, no claims or driving violations, 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-car, safe-driver, homeowner, multi-policy, marriage, and claim-free discounts applied.

For a list of insurance companies who offer insurance discounts in California, click here.

Santa Ana auto insurance companies

Finding the highest-rated insurer is hard considering how many companies sell insurance in Santa Ana. The company information below can help you decide which car insurance providers to look at purchasing coverage from.

Top 10 Santa Ana Car Insurance Companies by A.M. Best Rank

1. USAA - A++
2. Travelers - A++
3. State Farm - A++
4. GEICO - A++
5. Esurance - A+
6. Nationwide - A+
7. Allstate - A+
8. Mercury Insurance - A+
9. Progressive - A+
10. Titan Insurance - A+

Top 10 Santa Ana Car Insurance Companies Ranked by Customer Satisfaction

1. Titan Insurance - 95%
2. USAA - 94%
3. AAA of Southern California - 92%
4. AAA Insurance - 91%
5. Nationwide - 90%
6. State Farm - 90%
7. The Hartford - 89%
8. GEICO - 89%
9. The General - 88%
10. 21st Century - 88%

The best insurance company isn't always the cheapest

Lower-priced auto insurance in Santa Ana is possible both online and also from your neighborhood Santa Ana agents, so you need to shop Santa Ana car insurance with both to have the best selection. Some companies may not have price quotes online and these small insurance companies only sell through local independent agents.

We just presented many tips how you can reduce Volkswagen Golf insurance car insurance rates online in Santa Ana. The key concept to understand is the more rate quotes you have, the better chance you'll have of finding cheaper Santa Ana car insurance quotes. Consumers could even find that the most savings is with some of the smallest insurance companies. Smaller companies may only write in your state and offer lower premium rates compared to the large companies like Progressive and GEICO.

As you prepare to switch companies, it's very important that you do not buy poor coverage just to save money. There have been many cases where drivers have reduced uninsured motorist or liability limits and learned later that they should have had better coverage. The aim is to buy enough coverage at the best possible price.

Helpful resources

• Credit and Insurance Scores (Insurance Information Institute)
• Who Has Affordable Auto Insurance for a Ford Explorer in Santa Ana? (FAQ)
• Who Has Affordable Car Insurance for 17 Year Olds in Santa Ana? (FAQ)
• Crash Avoidance Technologies FAQ (iihs.org)
• New head restraint design cuts injuries (Insurance Institute for Highway Safety)