This would be a quick read if we could tell you the one auto insurance company that has the best auto insurance prices in California. Unfortunately, it's not that simple as there are a whole slew of unknown elements like if you just need liability coverage, whether you are single or married, the deductible level you need, and whether or not you have had gaps between policies, that all have an effect on the price of a policy. In this article, we will cover some of these things and also should give you a good beginning to your search for cheaper coverage.
For drivers with at-fault accidents, one of the largest things that are looked at to determine the price you pay for insurance is where you keep your car in Santa Ana. Larger areas tend to pay more, whereas areas with lower vehicle theft rates and fewer weather claims have the benefit of cheaper auto insurance prices.
The table below ranks the highest-priced places in California for drivers with accidents to purchase auto insurance in. Santa Ana comes in at #16 with an annual cost of $1,483 for the average insurance policy, which is around $124 monthly.
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Prices are estimated as the specific zip code location can decrease or increase price quotes greatly.
The make and model of vehicle you are buying coverage for is a large consideration that determines the availability of the cheapest auto insurance for drivers with accidents. Vehicles with limited top-end speed, excellent safety ratings, or a low likelihood of liability claims will cost quite a bit less to insure than higher performance models.
The next list ranks coverage rates for a handful of the cheaper vehicles to buy insurance for.
|Make and Model||Estimated Cost for Full Coverage|
|Honda CR-V LX 4WD||$2,294|
|Ford Escape XLT 2WD||$2,329|
|Honda Accord LX-P 4-Dr Sedan||$2,338|
|Ford Focus SE 4-Dr Sedan||$2,575|
|Ford Edge SE AWD||$2,582|
|Chevrolet Equinox LT AWD||$2,603|
|Ford F-150 XLT Super Cab 4WD||$2,608|
|Ford Explorer XLT 2WD||$2,625|
|Dodge Grand Caravan SE||$2,630|
|Volkswagen Jetta 2.0T Station Wagon||$2,666|
|Honda Odyssey EX W/Rear Entertainment||$2,692|
|Toyota RAV4 4WD||$2,722|
|Jeep Grand Cherokee Laredo 2WD||$2,728|
|Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr||$2,737|
|Chevrolet Impala LTZ||$2,740|
|Chevrolet Malibu LT||$2,752|
|Nissan Rogue S AWD||$2,813|
|Hyundai Elantra SE 4-Dr Sedan||$2,865|
|Toyota Tacoma X-Runner 2WD||$2,893|
|Toyota Camry SE||$2,901|
|Ford Fusion SE 4-Dr Sedan||$2,895|
|GMC Sierra 2500HD SLE Extended Cab 4WD||$2,904|
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Table data assumes single male driver age 50, no speeding tickets, two at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, and multi-policy. Rate quotes do not factor in specific zip code location which can decrease or increase price quotes greatly.
Based upon the table data, you can expect vehicles like the Honda CR-V, Ford Escape, and Honda Accord should be the most affordable vehicles to insure for drivers with at-fault accidents. The cost of auto insurance will be more expensive because there is more claim risk for drivers with accidents, but in general those specific models will probably have the cheapest car insurance rates that you are likely to find.
The chart below illustrates how choosing a deductible can affect insurance costs when researching cheap insurance for drivers with accidents. The premium estimates are based on a single female driver, full physical damage coverage, and no other discounts are factored in.
A 30-year-old driver could lower their car insurance rates by $560 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $842 by changing to a $1,000 deductible. Even younger drivers, such as the 20-year-old chart data, could roll back prices up to $1,246 or even more just by choosing higher deductibles.
When choosing a higher deductible, it will now be necessary to have emergency funds available to allow you to cover the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.
How to get discounts on Santa Ana insurance rates
Insurance companies that offer cheap quotes for drivers with accidents may have discounts that could lower prices by as much as 35% or more if you are eligible. A few popular companies and their offered discounts are:
- The Hartford may include discounts for defensive driver, driver training, vehicle fuel type, anti-theft, good student, and bundle.
- American Family offers discounts including good driver, air bags, bundled insurance, mySafetyValet, Steer into Savings, and accident-free.
- Progressive discounts include online quote discount, good student, continuous coverage, homeowner, online signing, multi-policy, and multi-vehicle.
- Travelers includes discounts for save driver, student away at school, home ownership, early quote, payment discounts, and continuous insurance.
- Farmers Insurance offers premium reductions for multi-car, distant student, youthful driver, business and professional, homeowner, and good student.
- USAA policyholders can earn discounts including new vehicle, defensive driver, loyalty savings, vehicle storage, military installation, family discount, and good student.
- Liberty Mutual may offer discounts for teen driver discount, multi-car, good student, safety features, new move discount, and newly retired.
The chart below illustrates the difference between car insurance costs with and without discounts being applied to the rates. The prices are based on a female driver, no violations and two accidents, California state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows the average annual price with no discounts. The second shows the rates with anti-theft, homeowner, paperless filing, passive restraint, multiple policy, and vehicle safety discounts applied. When drivers qualify for the discounts, theamount saved on insurance for drivers with accidents is 29% or $1,289.
Shop around and save
Santa Ana, CA insurance rates are determined by lots of factors which can substantially decrease or increase the price of coverage. Turning one year older, having a teenage driver, or getting a ticket for running a stop sign can cause premium changes resulting in some rates now being cheaper than before.
In addition to those changes, auto insurance companies modify pricing as needed in order to remain profitable. Significantly higher claims may cause price increases, while better underwriting may produce cheaper Santa Ana car insurance rates.
For instance, the bar chart below analyzes the cheapest car insurance in Santa Ana, CA for a 45-year-old female driver with no accidents or violations, and a good credit rating. When comparing rates based on her personal profile, USAA quotes the best car insurance rates in Santa Ana at $1,212 each year. This is $439 less than the average premium paid by California drivers of $1,651. Wawanesa, Century National, Nationwide, and CSAA are the remaining top five cheapest Santa Ana, CA auto insurance companies.
The next chart shows rates after we give the driver from the first example a claim or two, a little lower credit rating, and a speeding citation. Since each auto insurance company uses a different method for filing rates in each state, analyzing rate quotes will most likely result in a slightly different list of affordable Santa Ana car insurance companies as shown below.
Grange now has the cheapest auto insurance in Santa Ana, CA with Mercury, Allstate, GEICO, and Allied also being competitive. This example proves why it is important to perform an extensive rate comparison when trying to get the most economical auto insurance quotes for drivers with accidents.
Rates are calculated by many different factors and can increase or decrease at any time, so the cheapest option when you last compared rates may now be an over-priced policy.
Tips to find more affordable car insurance for drivers with accidents
It's not impossible to find cheaper rates, and here are a few penny-pinching solutions that can help California drivers find low-cost coverage.
- Avoid accidents
- Increase your comprehensive and collision deductibles
- Safer vehicles generally have cheaper insurance rates
- Drop full coverage on older vehicles
- Save money by observing traffic laws and speed limits
- Good credit can help you save money
- Shop around and save
The final tip is remarkably vital, as was stressed in the prior information. Car insurance rates fluctuate constantly, so don't be tentative to buy a policy from a new company if a lower-cost policy is available. Having a favorite company is fine, but it's not a great idea if that loyalty results in overpaying potentially thousands of dollars a year. Now is a great time to compare prices to find cheaper auto insurance for drivers with accidents in Santa Ana.
The Santa Ana auto insurance agencies shown below can most likely aid you in deciding which auto insurance policy fits you best, since lots of drivers aren't clear which coverage they need and would like to have the advice of a professional agent when shopping for the best coverage for drivers with accidents. It can be time-consuming to find coverage yourself, so getting advice from a licensed California insurance agent can provide you peace of mind knowing your policy gives you suitable coverage if you ever need to use it. To find a Santa Ana insurance agency by location nearest to you, click the link at the bottom or click here to compare price quotes now.
Allstate Insurance: Pacheco and Solorzano Insurance Agency
1525 17th St d - Santa Ana, CA 92705 - (714) 542-3585
FIRST HOME INSURANCE AGENCY
1522 E 4th St - Santa Ana, CA 92701 - (714) 560-8835
Farmers Insurance - Manuel Acevedo
3500 S Bristol St #201 - Santa Ana, CA 92704 - (714) 433-2996