Do you want to learn how to find the cheapest Cadillac SRX insurance in Santa Ana? Consumers who are new to the process of comparing prices online will discover sourcing low cost Cadillac SRX insurance can be quite difficult.
How to save money on Cadillac SRX insurance in Santa Ana
The best way to get discount Cadillac SRX insurance is to start comparing prices yearly from insurance carriers who can sell car insurance in Santa Ana. Prices can be compared by completing these steps.
- Step 1: Try to understand how insurance companies determine prices and the measures you can control to keep rates down. Many policy risk factors that result in higher rates such as careless driving and a not-so-good credit rating can be improved by making minor changes in your lifestyle. This article gives ideas to help prevent expensive coverage and find additional discounts.
- Step 2: Compare prices from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only provide price estimates from one company like Progressive and State Farm, while independent agents can quote rates for many different companies.
- Step 3: Compare the new quotes to the premium of your current policy to see if a cheaper rate is available. If you can save money and buy the policy, ensure there is no coverage lapse between policies.
One thing to point out is to use similar coverage information on every quote request and and to get prices from every company you can. Doing this enables an accurate price comparison and the best price selection.
Amazingly, over 70% of consumers kept their policy with the same company for at least the last four years, and virtually 40% of consumers have never compared rate quotes at all. Consumers in Santa Ana could save nearly $470 every year just by getting comparison quotes, but they just don't understand how much they could save if they switched to a more affordable policy.
Buying affordable auto insurance in Santa Ana can be much easier if you know how to start. Essentially each driver who comparison shops for auto insurance will probably find a lower price. Although California vehicle owners do need to know the methods companies use to market insurance on the web and use it to your advantage.
Most larger insurance companies make it easy to get pricing online. The process is very simple as you just enter your personal and coverage information on the page. After you submit the form the company's rating system will order credit information and your driving record and provides a quote based on these factors.
Getting online rate quotes for Cadillac SRX insurance in Santa Ana helps simplify price comparisons, and it's necessary to compare as many rates as possible if you are searching for a lower rate.
To save time and get comparison pricing now, compare rate quotes from the providers shown below. If you currently have coverage, we recommend you input the coverages identical to your current policy. This helps ensure you will receive a price comparison based on similar coverages.
The following companies provide free rate quotes in Santa Ana, CA. If several companies are displayed, it's a good idea that you visit as many as you can to find the most affordable auto insurance rates.
Three reasons insurance is important
Despite the high insurance cost for a Cadillac SRX in Santa Ana, insuring your vehicle is required by state law in California and it also provides benefits you may not be aware of.
- Most states have minimum mandated liability insurance limits which means it is punishable by state law to not carry a specific minimum amount of liability insurance in order to drive the car legally. 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 SRX, it's guaranteed your bank will stipulate that you have insurance to guarantee payment of the loan. If you let the policy lapse, the bank may insure your Cadillac at an extremely high rate and force you to pay for it.
- Insurance protects both your assets and your Cadillac SRX. It will also pay for medical transport and hospital expenses for yourself as well as anyone injured by you. Liability insurance, one of your policy coverages, also covers all legal expenses up to the policy limit if you cause an accident and are sued. If mother nature or an accident damages your car, your policy will pay to have it repaired.
The benefits of having insurance definitely exceed the price paid, especially for larger claims. According to a 2015 survey, the average American driver overpays more than $820 a year so shop around every year to make sure the price is not too high.
Insurance coverage details
The premium table shown below highlights estimates of insurance premium costs for Cadillac SRX models. Having a good grasp of how insurance premiums are formulated can assist in making decisions when shopping around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| SRX 2WD | $204 | $440 | $500 | $30 | $150 | $1,324 | $110 |
| SRX Luxury 2WD | $204 | $506 | $500 | $30 | $150 | $1,390 | $116 |
| SRX Luxury AWD | $204 | $506 | $500 | $30 | $150 | $1,390 | $116 |
| SRX Performance 2WD | $228 | $506 | $500 | $30 | $150 | $1,414 | $118 |
| SRX Performance AWD | $228 | $506 | $500 | $30 | $150 | $1,414 | $118 |
| SRX Premium 2WD | $228 | $506 | $500 | $30 | $150 | $1,414 | $118 |
| SRX Premium AWD | $228 | $506 | $500 | $30 | $150 | $1,414 | $118 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Rate information does not factor in vehicle location which can affect rates significantly.
Physical damage deductible comparison
One of the more difficult decisions when buying auto insurance is how high or low should comp and collision deductibles be. The following insurance rates approximate the difference in cost of buying low and high coverage deductibles. The first set of prices uses a $250 deductible and the second data table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| SRX 2WD | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| SRX Luxury 2WD | $386 | $780 | $442 | $26 | $132 | $1,791 | $149 |
| SRX Luxury AWD | $386 | $780 | $442 | $26 | $132 | $1,791 | $149 |
| SRX Performance 2WD | $430 | $780 | $442 | $26 | $132 | $1,835 | $153 |
| SRX Performance AWD | $430 | $780 | $442 | $26 | $132 | $1,835 | $153 |
| SRX Premium 2WD | $430 | $780 | $442 | $26 | $132 | $1,835 | $153 |
| SRX Premium AWD | $430 | $780 | $442 | $26 | $132 | $1,835 | $153 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| SRX 2WD | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| SRX Luxury 2WD | $314 | $630 | $442 | $26 | $132 | $1,544 | $129 |
| SRX Luxury AWD | $314 | $630 | $442 | $26 | $132 | $1,544 | $129 |
| SRX Performance 2WD | $348 | $630 | $442 | $26 | $132 | $1,578 | $132 |
| SRX Performance AWD | $348 | $630 | $442 | $26 | $132 | $1,578 | $132 |
| SRX Premium 2WD | $348 | $630 | $442 | $26 | $132 | $1,578 | $132 |
| SRX Premium AWD | $348 | $630 | $442 | $26 | $132 | $1,578 | $132 |
| Get Your Own Custom Quote Go | |||||||
Prices above 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. Price information does not factor in garaging location in Santa Ana which can impact insurance rates greatly.
Based on the above data, using a $250 deductible would cost the average driver about $20 more each month or $240 a year across all Cadillac SRX models than selecting the higher $500 deductible. Due to the fact that you would have to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you normally go at least 13 months between claim filings, you would probably be better off if you choose the higher deductible.
How to calculate deductible break even point
| Average monthly premium for $250 deductibles: | $150 |
| Average monthly premium for $500 deductibles (subtract): | - $130 |
| Monthly savings from raising deductible: | $20 |
| Difference between deductibles ($500 - $250): | $250 |
| Divide difference by monthly savings: | $250 / $20 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 13 months |
One thing to note is that raising deductibles to save money means you will have to pay more of your own money if you have a claim. You will want to have some savings in the bank in the event you have to pay the deductible to have repairs made.
The chart below demonstrates how deductibles and can change Cadillac SRX premium costs for different ages of insureds. Data assumes a single male driver, comp and collision included, and no discounts are factored in.
Affordable rates with discounts
Companies don't always list their entire list of discounts in a way that's easy to find, so we break down some of the more common as well as some of the hidden discounts that you may qualify for. If you do not double check each discount you qualify for, you are just wasting money.
- Good Student - Performing well in school can save 20 to 25%. You can use this discount normally up until you turn 25.
- Defensive Driver Discounts - Passing a safe driver course could possibly earn you a 5% discount depending on where you live.
- Air Bag Discount - Vehicles equipped with air bags or automatic seat belts may earn rate discounts of up to 25% or more.
- Drive Safe and Save - Insureds without accidents can save as much as half off their rates compared to accident prone drivers.
- More Vehicles More Savings - Purchasing coverage when you have several vehicles with the same car insurance company can get a discount for every vehicle.
- Renewal Discounts - Some car insurance companies give discounts for buying a policy before your current expiration date. It's a savings of about 10%.
- Low Mileage Discounts - Low annual miles can earn cheaper car insurance rates.
- Online Discount - A handful of companies may give you up to $50 for buying a policy and signing up on your computer.
- Seat Belts Save more than Lives - Requiring all passengers to fasten their seat belts may be able to save a few bucks on the medical payments or PIP coverage costs.
- Military Deployment Discount - Being on active deployment in the military may qualify for rate reductions.
One thing to note about discounts is that some credits don't apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as comp or med pay. Just because you may think all the discounts add up to a free policy, it just doesn't work that way.
The diagram below compares Cadillac SRX insurance costs with and without discounts applied to the rates. The rates are based on a male driver, no claims or driving citations, California state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, multi-car, marriage, homeowner, and claim-free discounts applied.
Popular car insurance companies and some of the discounts are detailed below.
- GEICO includes discounts for multi-policy, anti-theft, military active duty, good student, and driver training.
- Travelers has savings for multi-car, early quote, hybrid/electric vehicle, driver training, save driver, and multi-policy.
- Farm Bureau offers discounts for 55 and retired, driver training, youthful driver, good student, and renewal discount.
- Liberty Mutual offers discounts including exclusive group savings, good student, safety features, teen driver discount, and preferred payment discount.
- American Family policyholders can earn discounts including air bags, Steer into Savings, defensive driver, good driver, and accident-free.
- Progressive may offer discounts for multi-vehicle, online quote discount, multi-policy, continuous coverage, homeowner, good student, and online signing.
When getting a coverage quote, ask every insurance company which credits you are entitled to. Discounts may not be offered in Santa Ana. To see insurance companies that offer many of these discounts in California, click here.
Getting quotes from local Santa Ana insurance agents
Certain consumers just want to visit with an insurance agent and often times that is recommended One of the best bonuses of comparing insurance online is that you can find lower car insurance rates and still have a local agent.
By using this simple form, the quote information gets sent to participating agents in Santa Ana who can give free rate quotes for your coverage. It simplifies rate comparisons since you won't have to visit any agencies as quotes are delivered immediately to you. You can find the lowest rates and an insurance agent to talk to. If you need to quote rates from one company in particular, just search and find their rate quote page and give them your coverage information.
Finding the right company should include more criteria than just a cheap price quote. Here are some questions to ask:
- Will your rates increase after a single accident?
- Does the agent have professional designations like CIC, CPCU or AIC?
- How much can you save by raising your physical damage deductibles?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Do they specialize in personal lines coverage in Santa Ana?
Best car insurance agent in Santa Ana
If you prefer to buy insurance from a good insurance agency, it can be helpful to understand the different agency structures and how they are slightly different. Insurance agents in Santa Ana are either exclusive agents or independent agents.
Exclusive Agents
Exclusive insurance agents can only place business with one company such as State Farm, Allstate, and Farm Bureau. These agents are unable to provide other company's prices so keep that in mind. Exclusive agencies are usually quite knowledgeable on the products they sell which helps them sell insurance even at higher premiums. Consumers often buy from the same agent for years partially due to loyalty to the company and strong financial ratings.
Shown below are Santa Ana exclusive insurance agencies who can help you get rate quotes.
- Aidee Lopez - State Farm Insurance Agent
3750 W McFadden Ave e - Santa Ana, CA 92704 - (714) 775-3090 - View Map - Farmers Insurance - Maria Guerrero
1647 E First St a - Santa Ana, CA 92701 - (714) 285-0303 - View Map - Farmers Insurance - Araceli Padilla
2424 N Grand Ave b - Santa Ana, CA 92705 - (714) 543-4638 - View Map
Independent Insurance Agencies
Independent agencies do not have single company limitations so they have the ability to put coverage with multiple insurance companies and possibly get better coverage at lower prices. If premiums increase, an independent agent can move your coverage and the insured can keep the same agent. If you are comparing insurance prices, we highly recommend that you get rate quotes from several independent insurance agents for maximum quote selection. Many independent agencies also insure through mutual insurance companies which can be an advantage.
Shown below are Santa Ana independent agents who can help you get price quote information.
- Quality Plus Insurance Agency
1450 N Tustin Ave # 221 - Santa Ana, CA 92705 - (714) 245-1200 - View Map - Auto Express Insurance Agency
202 S Grand Ave - Santa Ana, CA 92701 - (800) 400-3038 - View Map - Adriana's Insurance Services
2302 S Bristol St A - Santa Ana, CA 92704 - (714) 352-3777 - View Map
California car insurance companies
Picking a highly-rated auto insurance company is difficult considering how many companies provide coverage in California. The company information displayed below could help you choose which insurers to look at putting your business with.
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
Get the best coverage at the most affordable price
Consumers switch companies for a number of reasons such as delays in paying claims, questionable increases in premium, being labeled a high risk driver or not issuing a premium refund. It doesn't matter what your reason, finding the right car insurance provider can be pretty painless.
In this article, we presented a lot of tips how to find lower-cost Cadillac SRX insurance in Santa Ana. The most important thing to understand is the more times you quote, the higher the chance of saving money. Consumers could even find that the biggest savings come from a company that doesn't do a lot of advertising.
More affordable car insurance in Santa Ana can be sourced online as well as from independent agents in Santa Ana, so get free Santa Ana car insurance quotes from both of them to have the best chance of lowering rates. Some companies don't offer online quoting and most of the time these smaller companies only sell through local independent agents.
How to find lower priced Cadillac SRX insurance in Santa Ana
If saving money is your primary concern, then the best way to find discount Cadillac SRX insurance is to compare prices annually from insurers that sell auto insurance in Santa Ana.
Step 1: Try to learn a little about how companies set rates and the steps you can take to prevent expensive coverage. Many risk factors that cause rate increases such as traffic violations, accidents, and a negative credit score can be remedied by making minor driving habit or lifestyle changes.
Step 2: Compare rates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give rate quotes from a single company like GEICO or Allstate, while agents who are independent can provide price quotes for a wide range of companies.
Step 3: Compare the new rates to your current policy to determine if you can save on SRX insurance. If you find better rates, make sure coverage does not lapse between policies.
Step 4: Tell your current agent or company of your intent to cancel your current car insurance policy. Submit a down payment along with a signed application for the new policy. When you receive it, keep your new proof of insurance certificate along with the vehicle's registration papers.
An essential thing to point out is to make sure you're comparing similar deductibles and liability limits on every price quote and to quote with as many carriers as you can. This ensures an accurate price comparison and a complete selection of prices.
To learn more, take a look at these articles:
- State Car Insurance Guides (GEICO)
- Who Has Affordable Santa Ana Auto Insurance for Lyft Drivers? (FAQ)
- Who Has Affordable Auto Insurance for Drivers Under 21 in Santa Ana? (FAQ)
- Who Has Cheap Auto Insurance for Unemployed Drivers in Santa Ana? (FAQ)
- How Much are Car Insurance Quotes with Multiple Speeding Tickets in Santa Ana? (FAQ)
- Who Has Cheap Santa Ana Auto Insurance Quotes for a Nissan Versa? (FAQ)
- Anti-Lock Brake FAQ (iihs.org)
- Choosing a Car for Your Teen (State Farm)
- Get the Right Protection (InsureUonline.org)