The words "bargain" and "auto insurance" really don't belong together, specifically when comparison shopping for the cheapest car insurance for government employees. Let's learn about a few of the things that help determine car insurance rates, and come up with some ways to lower the price of the next policy you buy.
For state and federal workers, one of the largest considerations that aid in calculating auto insurance rates is where you live. Areas with a lot of weather claims or more people will most likely have higher rates, whereas areas with less congestion have the luxury of cheap car insurance rates.
The information below ranks the most costly cities in California for government employees to buy auto insurance in. Santa Ana ranks #15 with a yearly cost of $1,483 for the average insurance policy, which is approximately $124 each month.
|Rank||City||Premium Per Year|
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Annual rates are estimated as specific Santa Ana garaging address can alter rates greatly.
The type of vehicle to be insured is one of the largest factors when comparison shopping for the best cheap auto insurance for government employees. Vehicles with lower acceleration and performance, modern passenger safety features, or a low likelihood of having liability claims will cost quite a bit less to insure than high performance models. The information below illustrates insurance costs for a number of the cheapest vehicles to insure.
|Make and Model||Estimated Cost for Full Coverage|
|Honda CR-V EX-L 2WD||$980|
|Honda Accord LX-P 4-Dr Sedan||$1,051|
|Ford Escape XLT 2WD||$1,079|
|Ford Fusion S 4-Dr Sedan||$1,134|
|Toyota Tacoma 4WD||$1,174|
|Ford Explorer Eddie Bauer 2WD||$1,180|
|Toyota Camry XLE||$1,194|
|Jeep Grand Cherokee Limited 2WD||$1,214|
|Volkswagen Jetta 2.0T 4-Dr Sedan||$1,221|
|Nissan Altima 3.5 SR 4-Dr Sedan||$1,214|
|Honda Odyssey Touring||$1,222|
|Jeep Wrangler Sahara 4WD 2-Dr||$1,218|
|Toyota RAV4 4WD||$1,243|
|Chevrolet Malibu LS||$1,252|
|Honda Civic DX 4-Dr Sedan||$1,249|
|Ford F-150 FX2 2WD||$1,267|
|Dodge Grand Caravan Hero||$1,278|
|Chevrolet Equinox LT AWD||$1,287|
|Chevrolet Silverado LT Crew Cab 2WD||$1,296|
|Hyundai Sonata Limited 4-Dr Sedan||$1,305|
|Ford Focus SEL 4-Dr Sedan||$1,309|
|Hyundai Elantra GLS 4-Dr Sedan||$1,311|
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Price data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Price estimates do not factor in specific zip code location which can increase or decrease premiums significantly.
Based upon these rates, we can presume that vehicles like the Honda CR-V, Honda Accord, Toyota Prius, Ford Escape, and Ford Fusion will be the cheaper vehicles to insure for state and federal workers.
Trying to buy cost effective insurance is confusing at best, and figuring out which insurers offer the cheapest auto insurance rates for government employees will require a bit more work. Every auto insurer uses a different method for setting prices, so to begin we'll rank the auto insurance companies with the overall best prices in Santa Ana.
It's important to understand that Santa Ana auto insurance rates are impacted by many things that control the cost of coverage. Price variation is why consumers need to shop around to get cheap auto insurance rates for government employees. Rates are influenced by many factors and can change substantially, so the most economical option the last time you shopped your coverage around may now be one of the more expensive options.
Lowest Insurance Price Quotes in California
|Rank||Company||Cost Per Year|
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USAA has some of the lowest car insurance rates in Santa Ana at around $1,109 per year. Wawanesa, CSAA, Century National, and Nationwide also make the cut as some of the more affordable Santa Ana, CA car insurance companies.
In the above rates, if you are currently insured with Century National and switched to USAA, you might achieve annual savings of upwards of $105. Customers with Nationwide may save as much as $117 a year, and 21st Century customers might lower prices by up to $257 a year.
To find the cheapest rates for your vehicle, click here to start your custom quote or click through to the companies below.
These policy rates are averages for all drivers and vehicles in California and are not factoring in a vehicle location for government employees. So the company that is best suited for you may not even be in the top 24 companies in the list above. That point stresses why you need to get rate quotes from many companies using your own specific driver information and vehicle.
California auto insurance company ratings
Finding the highest-rated company can be rather challenging considering how many different companies insure vehicles in California. The company rank data in the next section could help you decide which providers you want to consider when trying find the best insurance for government employees.
These rankings are only made up of the companies with a significant amount of written premium nationwide, so smaller companies that only insure vehicles in California are not included in this list. To compare rates from these and other companies in California, simply click here.
Top 10 Major Auto Insurers in Santa Ana Ranked by Claims Service
- AAA of Southern California
- State Farm
- AAA Insurance
- Liberty Mutual
- Titan Insurance
- The Hartford
Top 10 Major Auto Insurers in Santa Ana Ranked by A.M. Best Rating
- USAA - A++
- Travelers - A++
- State Farm - A++
- GEICO - A++
- Esurance - A+
- Nationwide - A+
- Allstate - A+
- Mercury Insurance - A+
- Progressive - A+
- Titan Insurance - A+
Get discounts on Santa Ana car insurance rates
Insurance companies that offer coverage for government employees could also offer price discounts that could reduce prices by 35% or more if you can meet the requirements. The best auto insurance companies and a selection of discounts include:
- GEICO has savings for daytime running lights, emergency military deployment, anti-theft, anti-lock brakes, multi-policy, and membership and employees.
- Travelers has discounts for payment discounts, multi-policy, continuous insurance, IntelliDrive, and multi-car.
- Farm Bureau discounts include renewal discount, safe driver, youthful driver, 55 and retired, and multi-policy.
- Liberty Mutual may include discounts for new move discount, exclusive group savings, safety features, multi-car, and teen driver discount.
- American Family offers premium reductions for multi-vehicle, defensive driver, Steer into Savings, bundled insurance, and early bird.
- Progressive policyholders can earn discounts including online signing, online quote discount, good student, homeowner, multi-vehicle, multi-policy, and continuous coverage.
The chart below compares annual premium costs with and without discounts applied to the premium. The prices are based on a male driver, a clean driving record, no claims, California state minimum liability limits, full coverage, and $100 deductibles.
The first bar for each age group shows the price with no discounts. The second shows the rates with accident-free, multiple vehicle, marriage, passive restraint, anti-theft, and multiple policy discounts applied. When discounts are applied, the average amount saved each year on auto insurance for government employees is 28% or $698.
Your low-price policy may be costing you money
California auto insurance rates are calculated based on many things which can significantly increase or decrease the policy premium. Simply improving your credit, becoming a homeowner, or having an accident may cause policy rate changes that can now make some companies more affordable than competitors.
And not only may your rating factors change, but car insurance companies file new rates as needed in order to offset underwriting gains or losses. Heavier than normal losses can result in higher priced premiums, while lower claims can produce cheaper Santa Ana car insurance rates.
As an example, the bar chart below shows which companies have the cheapest car insurance in Santa Ana, CA for a 30-year-old male driver with no violations or accidents, and great credit. If we compare prices based on his personal profile, USAA has the most affordable car insurance rates in Santa Ana at $1,237 each year. This is $414 less than the average policy premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are also included in the best Santa Ana, CA auto insurance companies.
The example below compares rates after we give the driver from the above example an at-fault accident, slightly worse credit, and a speeding citation. Since each company has their own formula for filing rates in each state, comparing rates may result in a substantially altered list of the cheapest Santa Ana car insurance companies as shown below.
Grange now has the best price on car insurance in Santa Ana with Progressive, Allstate, Mercury, and GEICO also having competitive pricing. This illustrates why Santa Ana drivers need to take the time to shop around to get the lowest auto insurance quotes for government employees.
Insurance rates are made up of many risk factors and can change substantially, so the best option when you last compared rates may now be an over-priced policy.
How to find low-cost auto insurance for government employees
It is possible to find better rates, and here are a few money-saving ideas that can help you get low-cost auto insurance.
- At-fault accidents can raise rates significantly
- Try paying for small claims out-of-pocket
- Improve your credit rating
- Raise comprehensive and collision coverage deductibles
- Buying car and homeowners insurance together can save money
- Violations like speeding or DUI increase rates
- Comparison shop at least once a year
The last item on the list is particularly crucial, as was stressed in the prior information. Prices charged by companies in Santa Ana fluctuate considerably, so don't be hesitant to switch to a new company if you find a cheaper price. Sticking with a specific company is fine, but we do not recommend it if your bullheadedness ends up costing you lots of money. Take a couple minutes and shop around and find cheaper insurance for government employees.
If you have coverage questions and would like to have a little guidance when trying to find the best insurance rates for government employees, the agents below are willing to help you make a decision which coverages and limits you need. To find an agent close to where you live, click the button after the list.
- Farmers Insurance - Rodolfo Guzman
1740 W Edinger Ave - Santa Ana, CA 92704 - (714) 556-5942
- Farmers Insurance - Manuel Acevedo
3500 S Bristol St #201 - Santa Ana, CA 92704 - (714) 433-2996
- Farmers Insurance - Samuel Friar
2961 W MacArthur Blvd #123 - Santa Ana, CA 92704 - (714) 662-3830
- First American Property and Casualty Insurance Group
4 First American Way - Santa Ana, CA 92701 - (714) 560-7850
- SureCo Insurance Agency
201 Sandpointe Ave Suite 600 - Santa Ana, CA 92707 - (866) 845-9815