It's hard to miss the captivating commercials from car insurance companies like Farmers, Liberty Mutual, and Progressive that make claims of big savings, so drivers just need to pick the one with the catchiest commercial, right?
That is not the case, however, as there are a lot of unknowns like if you have a tendency to get into accidents, if full coverage is needed, and the miles you drive each year, that all help calculate your car insurance rates. We will touch on the best ways to compare rates and hopefully give you enough understanding to have a good start in finding the cheapest car insurance in Santa Ana.
The vehicle you are buying coverage for is one of the biggest factors when comparing quotes for affordable insurance for veterans. Vehicles with more horsepower, a lack of modern safety features, or a track record of large liability claims will cost substantially more to insure than more economical and safe models.
The table below features insurance premiums for a selection of the most affordable automobiles to buy insurance for.
|Vehicle||Estimated Cost for Full Coverage|
|Honda CR-V LX 4WD||$944|
|Honda Accord LX-P 4-Dr Sedan||$951|
|Ford Explorer XLT 4WD||$1,058|
|Dodge Grand Caravan CV||$1,067|
|Hyundai Elantra GLS Touring Station Wagon||$1,066|
|Ford Escape XLS 4WD||$1,074|
|Honda Odyssey EX W/Rear Entertainment||$1,095|
|Volkswagen Jetta SE 2.5 Station Wagon||$1,108|
|Nissan Altima 2.5 4-Dr Sedan||$1,117|
|Chevrolet Silverado LS Regular Cab 2WD||$1,122|
|Honda Civic LX 4-Dr Sedan||$1,156|
|Chevrolet Impala LS||$1,198|
|Toyota Corolla XRS||$1,200|
|Toyota Camry LE||$1,222|
|Ford Edge SEL AWD||$1,233|
|Toyota RAV4 Limited 4WD||$1,261|
|Jeep Grand Cherokee Laredo 4WD||$1,270|
|GMC Sierra Denali Crew Cab 4WD||$1,279|
|Toyota Tacoma Double Cab 4WD||$1,288|
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Table data represents 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, claim-free, homeowner, safe-driver, and multi-vehicle. Premium costs do not factor in zip code location which can influence coverage prices significantly.
Looking at the numbers, you can expect makes and models like the Honda CR-V, Honda Accord, Ford Explorer, and Dodge Grand Caravan will definitely be some of the most budget-friendly vehicles to insure for veterans.
One of the more important things that help determine the annual cost of car insurance is your zip code in Santa Ana. Areas with high crime rates or more dense population tend to have more expensive car insurance rates, whereas more rural areas have the enjoyment of a little cheaper coverage.
The following table sorts the highest-priced places in California for veterans to buy an auto insurance policy in. Santa Ana is listed at #17 with the annual price of $1,439 for the average policy, which is around $120 per month.
|Rank||City||Premium Per Year|
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Rate information is estimated as the specific geographic location can affect premiums considerably.
Buying reasonably-priced car insurance is challenging, and determining which insurers offer the lowest-priced car insurance rates for veterans requires even more perseverance. Each insurance company uses a slightly different approach for setting rates, so we need to take a look at the car insurance companies with the overall best prices in California.
It's a good idea to be aware that Santa Ana car insurance rates are determined by lots of factors that may substantially change the policy price. This price variability is why it is crucial to take the time to shop around when trying to find affordable auto insurance rates for veterans. Rates are determined by many things and can change without notice, so the most affordable company six months ago may now be one of the higher cost companies.
Find the Cheapest Car Insurance for Vets
USAA generally has some of the most affordable car insurance rates in Santa Ana at around $1,121 a year. Wawanesa, CSAA, Nationwide, and Century National also qualify as some of the more affordable Santa Ana, CA insurance companies.
As the example above demonstrates, if you currently buy coverage from Nationwide and switched to USAA, you could realize an annual premium reduction of roughly $92. Insureds with Century National could save as much as $105 a year, and 21st Century customers might see rate reductions of $258 a year.
These policy prices are averaged across all drivers and vehicles and and are not figured with a vehicle location for veterans. So the insurer that can offer you the lowest price may not even be in the list above. That point stresses why you need to get rate quotes using your own driver data and vehicle information.
Best car insurance in California
Ending up with a good quality auto insurance company can be difficult considering how many different companies there are to choose from in California. The company information in the lists below could help you choose which car insurance companies to look at when comparing auto insurance rates for veterans.
These ratings only include companies with a nationwide focus, so companies that have a smaller presence will not be included in the list. To get rate quotes from these top insurers and more, simply click here.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
|AAA of Southern California||91||94||97||92%||A+||94.1|
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Data Source: Insure.com Best Car Insurance Companies
Bad driving habits will cost you more
The common sense way to score affordable car insurance premiums for veterans is to drive carefully and avoid accidents and traffic violations. The diagram below illustrates how traffic citations and at-fault accidents drive up premium costs for each different age category. The premium estimates are based on a single female driver, comp and collision included, $1,000 deductibles, and no discounts are factored in.
In the chart above, the average cost of a car insurance policy in Santa Ana per year with no accidents or violations is $2,386. Get written up for one speeding ticket and the average cost rises to $2,709, an increase of $323 each year. Then throw in two accidents along with the one speeding ticket and the 12-month cost of car insurance for veterans goes up to an average of $5,733. That's an increase of $3,346, or $279 per month, just for being a careless driver!
The diagram below shows how choosing a deductible can influence annual premium costs when researching cheap insurance for veterans. The information is based on a married male driver, comp and collision included, and no other discounts are factored in.
As shown above, a 30-year-old driver could lower their policy premium by $342 a year by switching from a $100 deductible up to a $500 deductible, or save $516 by selecting a $1,000 deductible. Youthful drivers, such as the Age 20 example, could roll back prices $1,026 each year by using higher deductibles when buying full coverage. When using a larger deductible, it will be necessary to have spare funds to enable you to pay the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.
The auto insurance agents in Santa Ana shown below can probably help you determine which car insurance company is the best fit, as some drivers aren't sure which coverage they need and prefer to have some professional guidance when comparing insurance rates for veterans. It's not always simple to find the cheapest auto insurance company, so agents can give peace of mind knowing your policy gives you decent coverage if you have a claim. To locate a Santa Ana auto insurance agent nearest to you, click the link after the list.
Jose Gastelum - State Farm Insurance Agent
1780 E McFadden Ave Ste 114 - Santa Ana, CA 92705 - (714) 557-3344
David Reyes - State Farm Insurance Agent
1077 W 17th St b - Santa Ana, CA 92706 - (714) 285-0155
Farmers Insurance Agency: Blake Robbins
3611 S Harbor Blvd #200 - Santa Ana, CA 92704 - (417) 263-1934
Peggy Bates - State Farm® Insurance Agent
2723 N Bristol St #1 - Santa Ana, CA 92706 - (714) 543-0422