Affordable Quotes for BMW X5 Insurance in Santa Ana

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The recommended way to get the cheapest BMW X5 insurance is to compare prices regularly from insurers that insure vehicles in Santa Ana. You can shop around by following these steps.

  • First, spend a few minutes and learn about policy coverages and the measures you can take to prevent high rates. Many factors that result in higher rates like traffic citations and a not-so-good credit rating can be amended by making minor driving habit or lifestyle changes.
  • Second, request price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only provide price estimates from a single company like GEICO and State Farm, while independent agencies can provide rate quotes from multiple sources.
  • Third, compare the new rate quotes to your existing policy to determine if switching companies saves money. If you find a better price, verify that coverage does not lapse between policies.

The critical component of shopping around is that you use the same physical damage deductibles and liability limits on every price quote and and to get rates from as many companies as you can. Doing this enables a fair rate comparison and plenty of rates choose from.

Discount BMW X5 insuranceUnbelievably, over 70% of consumers kept their policy with the same company for a minimum of four years, and almost half have never quoted car insurance rates at all. Drivers in California could pocket about 35% a year just by shopping around, but they don't understand how simple it is to compare rates.

Compare quotes for Santa Ana BMW X5 insurance

Just keep in mind that having more price comparisons helps improve the odds of finding the best offered rates.

The following companies are ready to provide free rate quotes in Santa Ana, CA. If several companies are displayed, we suggest you visit two to three different companies to find the cheapest car insurance rates.

Verify you're receiving every discount

Insurance is not cheap nor is it fun to buy but you can get discounts to reduce the price significantly. Certain reductions will be credited when you quote, but some discounts are required to be asked about prior to receiving the credit.Save money with discounts

  • Service Members Pay Less - Having a deployed family member could be rewarded with lower prices.
  • Student Driver Training - Require your teen driver to participate in a local driver's education class as it will make them better drivers and lower rates.
  • Payment Discounts - By paying your policy upfront instead of paying each month you can actually save on your bill.
  • Drive Safe and Save - Insureds without accidents may save up to 50% more compared to accident prone drivers.
  • Renewal Discounts - Some insurance companies provide a discount for switching to them before your current coverage expires. Ten percent is about the average savings.
  • Online Discount - Some of the larger companies will provide an incentive for buying a policy and signing up digitally online.
  • Multi-line Discount - Insurance companies who offer life insurance give a discount if you purchase some life insurance too.

You should keep in mind that most discount credits are not given to the entire policy premium. Most only reduce the cost of specific coverages such as liability, collision or medical payments. So when it seems like you can get free auto insurance, you're out of luck.

The chart below shows the difference between BMW X5 car insurance costs with and without discounts applied to the premium. The rate quotes are based on a male driver, no accidents, no driving violations, California state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, marriage, homeowner, safe-driver, and claim-free discounts applied.

Larger insurance companies and a selection of discounts are included below.

  • Farmers Insurance offers premium reductions for homeowner, teen driver, mature driver, alternative fuel, youthful driver, and business and professional.
  • State Farm may include discounts for defensive driving training, safe vehicle, passive restraint, good student, and good driver.
  • Liberty Mutual may offer discounts for good student, new move discount, preferred payment discount, newly married, new graduate, new vehicle discount, and multi-policy.
  • MetLife has discounts for multi-policy, claim-free, defensive driver, good driver, and accident-free.
  • Progressive has savings for continuous coverage, multi-policy, multi-vehicle, homeowner, online quote discount, and good student.

If you want affordable BMW X5 insurance quotes, ask every prospective company to apply every possible discount. All car insurance discounts might not apply in your area. To see insurers with discount insurance rates in Santa Ana, click here.

BMW X5 insurance charts and tables

The rate table shown below outlines a range of rate quotes for BMW X5 models. Having a better idea how policy premiums are formulated can benefit drivers when making smart choices when purchasing an insurance policy.

BMW X5 Insurance Rates in Santa Ana, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
X5 3.0I AWD $412 $792 $500 $30 $150 $1,884 $157
X5 3.5D AWD $454 $912 $500 $30 $150 $2,046 $171
X5 4.8I AWD $454 $912 $500 $30 $150 $2,046 $171
X5 M AWD $538 $1152 $500 $30 $150 $2,370 $198
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Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Price estimates do not factor in Santa Ana location which can change auto insurance rates substantially.

Should you raise deductibles?

One common question asked by Santa Ana drivers is where to set your physical damage deductibles. The rates below may help to conceptualize the difference in cost when you choose different deductibles. The first data table uses a $250 deductible for physical damage and the second price table uses a $500 deductible.

BMW X5 insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
X5 3.0I AWD $430 $678 $442 $26 $132 $1,733 $144
X5 3.5D AWD $474 $780 $442 $26 $132 $1,879 $157
X5 4.8I AWD $474 $780 $442 $26 $132 $1,879 $157
X5 M AWD $562 $986 $442 $26 $132 $2,173 $181
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BMW X5 insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
X5 3.0I AWD $348 $546 $442 $26 $132 $1,494 $125
X5 3.5D AWD $384 $630 $442 $26 $132 $1,614 $135
X5 4.8I AWD $384 $630 $442 $26 $132 $1,614 $135
X5 M AWD $456 $794 $442 $26 $132 $1,850 $154
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 claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Rates do not factor in your specific Santa Ana location which can alter coverage prices noticeably.

We can derive from the above data that using a $250 deductible costs an average of $23 more each month or $276 every year than buying 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 tend to average at a minimum 11 months between claims, you would save more money if you choose a higher deductible.

Careless Santa Ana drivers pay higher rates

The diagram below shows how violations and accident claims impact BMW X5 auto insurance costs for each different age group. The information is based on a single female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are taken into consideration.

Comparison of auto insurance rates by age and gender

The information below illustrates the comparison of BMW X5 insurance prices for male and female drivers. The rates are based on a clean driving record, no at-fault accidents, comp and collision included, $500 deductibles, marital status is single, and no other discounts are factored in.

How to find a good California auto insurance company

Selecting the right car insurance company is hard considering how many choices you have in California. The company information in the next section can help you pick which providers to look at comparing rates with.

Top 10 Santa Ana Car Insurance Companies Ranked by Value

  1. USAA
  2. American Family
  3. The Hartford
  4. AAA of Southern California
  5. Titan Insurance
  6. The General
  7. AAA Insurance
  8. State Farm
  9. Mercury Insurance
  10. Nationwide

Top 10 Santa Ana Car Insurance Companies by A.M. Best Rank

  1. USAA - A++
  2. Travelers - A++
  3. State Farm - A++
  4. GEICO - A++
  5. Esurance - A+
  6. Nationwide - A+
  7. Allstate - A+
  8. Mercury Insurance - A+
  9. Progressive - A+
  10. Titan Insurance - A+

How Car Insurance Companies Calculate BMW X5 Insurance Costs

Lots of things are used when pricing auto insurance. Most are fairly basic like an MVR report, but others are more obscure such as your marital status or your vehicle rating. Part of the insurance buying process is learning the rating factors that are used to determine your insurance rates. If you know what influences your rates, this allows you to make good choices that may reward you with cheaper rates.

  • Vocation stress can make you pay more - Did you know your occupation can influence how much you pay for insurance? Careers like lawyers, airline pilots, and accountants tend to pay the highest rates because of stressful work requirements and long work days. Other professions such as actors, engineers and homemakers have the lowest average rates.
  • Low coverage deductibles cost more - Your deductibles define the amount you are willing to pay before a claim is paid by your company. Physical damage insurance, also known as collision and other-than-collision, is used to repair damage to your car. Examples of covered claims are rear-ending another vehicle, vandalism, and damage from wind. The more money the insured has to pay upfront, the lower your rates will be.
  • Cheaper insurance rates for being claim-free - Companies in California give the best rates to policyholders that do not abuse their auto insurance. If you are the type of insured that files lots of claims you can definitely plan on much higher rates or policy non-renewal. Auto insurance is meant to be used in the event of claims that you cannot pay yourself.
  • With age comes responsibility - Mature drivers tend to be more responsible, are lower risk to insure, and get fewer tickets. Beginning drivers tend to be easily distracted when driving with friends so insurance rates are higher.

    The next chart uses these variables: single driver, full coverage with $500 deductibles, and no discounts or violations.

  • Your spouse saves you money - Having a wife or husband actually saves money on your insurance bill. Marriage may mean you are more mature than a single person and insurance companies like that married drivers tend to file fewer claims.
  • High performance vehicles cost more to insure - The type of vehicle you are insuring makes a huge difference in the rate you pay. Economy passenger vehicles generally receive the lowest base rates, but your final cost has many other factors.

    The next chart uses these variables: single female driver age 20, full coverage with $1000 deductibles, and no discounts or violations. The data compares BMW X5 rates compared to other models of vehicles that have different performance risks.

  • The more you drive the more you pay - The more miles you rack up on your BMW in a year's time the more you'll pay to insure your vehicle. Many insurance companies calculate prices based upon how the vehicle is primarily used. Cars that sit idle most of the time receive better premium rates compared to those used for work or business. Ask your agent if your insurance coverage properly reflects the correct driver usage. Having an incorrect usage rating on your X5 may be wasting your money.
  • BMW X5 insurance loss statistics - Auto insurance companies use claims history in order to profitably underwrite each model. Vehicles that are shown to have higher claim frequency or loss amount will be charged more to insure.

    The next table illustrates the historical loss data for BMW X5 vehicles. For each type of coverage, the claim amount for all vehicles, regardless of manufacturer or model, is a value of 100. Values that are below 100 mean the vehicle has better than average losses, while values over 100 indicate a higher chance of having a claim or a tendency for claims to be larger.

    BMW X5 Insurance Claim Statistics
    Specific BMW Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
    BMW X5 4dr 2WD 131 110 153
    BMW X5 4dr 4WD 126 81 164 65 57 67

    Empty fields indicate not enough data collected
    Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years