Would you prefer to buy the cheapest Volvo C30 insurance in Santa Ana? Car owners fed up with high insurance rates and are new to shopping for car insurance online could find buying cheap C30 insurance is harder than it needs to be.
Unimaginable but true, most car insurance policyholders have bought car insurance from the same company for at least four years, and nearly 40% of drivers have never compared car insurance rates at all. California insurance shoppers can cut their rates by almost $470 a year, but they just assume it's a time-consuming process to save money by comparing rate quotes.
It's a good idea to get comparison quotes periodically because car insurance rates change frequently. Just because you had the lowest rate on Volvo C30 insurance in Santa Ana a few years ago there is a good chance you can find better prices now. Forget anything you know (or think you know) about car insurance because I'm going to let you in on the secrets to the best methods to get good coverage on Volvo C30 insurance in Santa Ana at a lower rate.
To find more affordable prices, there are a couple of ways to compare prices from auto insurance companies in your area. The fastest way to find the lowest Volvo C30 rates is to get quotes online. Keep in mind that comparing more quotes increases your odds of finding a lower rate than you're paying now. Some smaller insurers do not give rate quotes online, so it's important to also get prices on coverage from those companies, too.
The companies in the list below are ready to provide quotes in Santa Ana, CA. If more than one company is shown, it's highly recommended you visit several of them in order to get a fair rate comparison.
Volvo C30 insurance discounts in Santa Ana
Companies don't always list all possible discounts in a way that's easy to find, so we researched both well-publicized and also the more inconspicuous savings tricks you should be using when you buy Santa Ana auto insurance online.
- Distant Student Discount - Any of your kids who are enrolled in a college that is more than 100 miles from Santa Ana and won't have access to an insured vehicle could qualify for this discount.
- Defensive Driver - Passing a course in safe driver may get you a small discount and make you a better driver.
- Auto/Home Discount - If you combine your auto and homeowners policies with one insurance company you will save approximately 10% to 15%.
- Telematics Devices - Insureds that choose to allow their insurance company to look at driving patterns remotely such as Progressive's Snapshot and State Farm's In-Drive could see a rate decrease if they have good driving habits.
- Discount for Good Grades - Maintaining excellent grades can save 20 to 25%. The good student discount can last up to age 25.
- Low Miles Discount - Low annual miles could earn lower premium rates on the low mileage vehicles.
- Membership in Organizations - Being in a professional or civic organization could qualify you for a break when shopping for car insurance.
- Passive Restraints - Vehicles with factory air bags can get savings of more than 20%.
- Accident Free - Good drivers with no accidents have much lower rates when compared to drivers who are more careless.
- Seat Belts Save more than Lives - Drivers who require all occupants to wear their seat belts could save 15% off PIP or medical payments premium.
As a footnote on discounts, many deductions do not apply to the whole policy. Most only cut specific coverage prices like comp or med pay. Even though it appears adding up those discounts means a free policy, car insurance companies aren't that generous.
The information below shows the difference between Volvo C30 auto insurance rates with and without discounts applied to the policy rates. The data is based on a female driver, no violations or accidents, California state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, homeowner, claim-free, multi-car, and safe-driver discounts applied.
A few of the larger companies and some of the premium reductions they offer are outlined below.
- Farm Bureau may offer discounts for youthful driver, safe driver, renewal discount, multi-vehicle, good student, and driver training.
- MetLife has discounts for claim-free, good driver, good student, multi-policy, defensive driver, accident-free
- Progressive includes discounts for multi-policy, multi-vehicle, homeowner, online signing, and online quote discount.
- AAA policyholders can earn discounts including pay-in-full, education and occupation, good student, multi-policy, and multi-car.
- American Family may include discounts for good student, multi-vehicle, good driver, early bird, accident-free, and bundled insurance.
- GEICO discounts include driver training, membership and employees, good student, five-year accident-free, anti-theft, anti-lock brakes, and daytime running lights.
- State Farm has savings for driver's education, Drive Safe & Save, anti-theft, accident-free, and good driver.
If you are trying to find low cost Santa Ana auto insurance quotes, ask every company how many discounts you can get. Some discounts listed above may not apply to policyholders in your area. To see insurance companies that can offer you the previously mentioned discounts in California, click here to view.
Rates and data analysis
The rate information shown next covers detailed analysis of policy rates for Volvo C30 models. Learning how rate quotes are formulated can benefit drivers when making decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| C30 T5 | $378 | $708 | $596 | $36 | $178 | $1,896 | $158 |
| C30 T5 R-Design | $428 | $834 | $596 | $36 | $178 | $2,072 | $173 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Estimates do not factor in specific location which can increase or decrease coverage rates noticeably.
An analysis of deductible level
One frequently asked question is how high or low should comp and collision deductibles be. The premium rates below can help you understand the costs and benefits when you buy lower versus higher deductibles. The first set of prices uses a $250 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 |
|---|---|---|---|---|---|---|---|
| C30 T5 | $342 | $576 | $442 | $26 | $132 | $1,543 | $129 |
| C30 T5 R-Design | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| C30 T5 | $210 | $362 | $442 | $26 | $132 | $1,172 | $98 |
| C30 T5 R-Design | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| 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 multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Premium costs do not factor in Santa Ana location which can affect rates greatly.
Using the premium rates above, we can conclude that using a $250 deductible could cost the average driver approximately $33 more each month or $396 every year than opting for the higher $1,000 deductible. Because you would be required to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you normally go more than 23 months between claim filings, you would come out ahead if you choose the higher deductible.
The chart below illustrates how your deductible choice and can impact Volvo C30 insurance costs for each age group. The rate quotes are based on a married male driver, comprehensive and collision coverage, and no other discounts are factored in.
Auto insurance prices based on gender
The chart below compares Volvo C30 annual premium costs for male and female drivers. The costs are based on no tickets, no at-fault accidents, full coverage, $1,000 deductibles, drivers are single, and no discounts are applied to the premium.
Liability only or full coverage
The chart below visualizes the comparison of Volvo C30 insurance rates with full physical damage coverage and with liability coverage only. The costs are based on a clean driving record, no at-fault accidents, $1,000 deductibles, marital status is single, and no discounts are applied to the premium.
When to stop buying physical damage coverage
There is no set guideline to exclude physical damage coverage, but there is a general guideline you can use. If the annual cost of your full coverage insurance is more than 10% of the vehicle's replacement cost less your deductible, then it may be the right time to buy liability only.
For example, let's say your Volvo C30 book value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company would pay you is $2,000 after paying your policy deductible. If you are paying in excess of $200 annually for full coverage, then it's probably a good time to buy liability coverage only.
There are a few cases where dropping physical damage coverage is not a good plan. If you still have a loan on your vehicle, you have to keep full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should not buy liability only.
Ratings for Santa Ana car insurance companies
Selecting the top auto insurance company is hard considering how many different insurance companies sell coverage in Santa Ana. The ranking data shown below can help you analyze which companies to look at comparing price quotes from.
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 Overall
- USAA
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
What Determines Volvo C30 Insurance Prices?
The best way to find cheaper auto insurance is to take a look at the rating factors that are used to determine your premiums. If you know what positively or negatively impacts your premiums, this allows you to make educated decisions that may result in lower rates. Multiple criteria are taken into consideration when you get a price on insurance. Some are pretty understandable like an MVR report, but other factors are more obscure like where you live or your vehicle rating.
The list below includes a few of the "ingredients" used by your company to calculate prices.
No insurance claims equals cheaper rates - Companies in California generally give discounts to policyholders who do not rely on their insurance for small claims. If you frequently file small claims, you can look forward to higher rates. Insurance coverage is designed for more catastrophic claims.
A coverage lapse can increase prices - Driving without insurance coverage in place is a misdemeanor and companies may charge more for letting your insurance lapse for non-payment. Not only will rates go up, failure to provide proof of insurance may earn you a license revocation or jail time.
Drive a fast car and pay more - The make and model of the vehicle you need to insure makes a significant difference in how high your rates are. The best insurance prices are usually found on small economy passenger cars, but many other things help determine your insurance rates.
The following data assumes a single female driver age 40, full coverage with $500 deductibles, and no discounts or violations. The data compares Volvo C30 car insurance rates compared to other models of vehicles that have a range of performance rating factors.
Married drivers get cheaper prices - Walking down the aisle may cut your premiums on auto insurance. Having a spouse is viewed as being more mature and responsible it has been statistically shown that married couples file fewer claims.
Your job is a factor - Occupational choices like judges, air traffic controllers, and dentists tend to pay the highest average rates in part from intense work-related stress and lengthy work days. Other jobs like professors, students and performers receive lower rates.