It takes a little time, but the best way to find affordable quotes for auto insurance rates in Santa Ana is to begin comparing prices regularly from different companies who provide car insurance in California. Rate comparisons can be done by following these guidelines.
- Take a little time to learn about how insurance companies determine prices and the changes you can make to keep rates in check. Many things that drive up the price such as traffic tickets, fender benders, and a poor credit score can be eliminated by being financially responsible and driving safely.
- Request rate estimates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only provide price estimates from a single company like GEICO or Farmers Insurance, while agents who are independent can give you price quotes from multiple sources.
- Compare the quotes to your current policy premium to see if a cheaper rate is available in Santa Ana. If you find a lower rate, make sure coverage does not lapse between policies.
An important bit of advice to remember is to try to compare the same deductibles and limits on each price quote and and to analyze as many companies as feasibly possible. This ensures a fair rate comparison and the best price quote selection.
Everyone knows that insurance companies don't want you to look for cheaper rates. Consumers who shop around for cheaper price quotes are likely to buy a different policy because they have a good chance of finding a more affordable policy. A survey found that drivers who did price comparisons regularly saved $3,500 over four years compared to policyholders who don't make a habit of comparing rates.
If saving money on Pontiac Grand Prix insurance in Santa Ana is your goal, then understanding how to get rate quotes and compare insurance can make the process less intimidating.
Most of the larger companies give coverage prices on the web. Obtaining pricing for Pontiac Grand Prix insurance in Santa Ana doesn't take a lot of time as you just enter your required coverages as requested by the quote form. After the form is submitted, their rating system pulls credit information and your driving record and returns a price based on these factors.
Quoting online for Pontiac Grand Prix insurance in Santa Ana makes comparing rates easy, and it is imperative to compare as many rates as possible if you want to find the most affordable premium possible.
If you want to get comparison pricing now, compare rates now from the companies shown below. If you have your current policy handy, we recommend you type in the coverages identical to your current policy. This makes sure you will have rate comparison quotes for the exact same coverage.
The companies shown below are our best choices to provide price quotes in Santa Ana, CA. If multiple companies are listed, it's a good idea that you get prices from several of them in order to get a fair rate comparison.
Do you qualify for discounts?
Auto insurance is neither fun to buy or cheap, but you can get discounts to help bring down the price. A few discounts will automatically apply when you get a quote, but a few must be specially asked for before you get the savings.
- Theft Deterrent - Cars with anti-theft systems are stolen with less frequency and will save you 10% or more on Grand Prix insurance in Santa Ana.
- Early Payment Discounts - By paying your entire bill at once instead of paying each month you could save up to 5%.
- Auto/Life Discount - Select insurance carriers reward you with a discounted auto insurance rate on car insurance if you buy auto and life insurance together.
- Drive Safe and Save - Safe drivers can save up to 40% or more on their Santa Ana car insurance quote as compared to drivers with claims.
- Data Collection Discounts - People who choose to allow companies to track driving manner by installing a telematics device like Drivewise from Allstate or In-Drive from State Farm might get better premium rates if they have good driving habits.
- Bundle and Save - If you combine your homeowners and auto policies with one insurance company you will save as much as 10 to 15 percent.
- Safety Restraint Discount - Drivers who always wear seat belts and also require passengers to use their safety belts can save up to 10 percent (depending on the company) off the personal injury premium cost.
- Government Employees - Having worked for a branch of the government could cut as much as 10% off with a few auto insurance companies.
- Military Discounts - Being on active duty in the military can result in better rates.
- Early Renewal Discounts - Some larger companies provide a discount for switching companies early. You could save around 10% when you buy Santa Ana car insurance online.
It's important to note that most discounts do not apply to the entire cost. Most only cut the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates you could get a free auto insurance policy, insurance companies wouldn't stay in business.
To locate providers that provide some of the discounts listed above in California, click here.
Three main reasons to buy car insurance
Despite the high cost of buying insurance for a Pontiac Grand Prix in Santa Ana, paying for car insurance is required in California but also provides important benefits.
- The majority of states have minimum liability requirements which means you are required to carry specific limits of liability protection in order to drive the car. 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 took out a loan on your Pontiac, more than likely the lender will have a requirement that you carry insurance to guarantee their interest in the vehicle. If the policy lapses, the bank or lender will purchase a policy for your Pontiac at a more expensive rate and force you to pay the higher price.
- Insurance safeguards both your Pontiac Grand Prix and your personal assets. Insurance will also pay for medical transport and hospital expenses that are the result of an accident. Liability insurance, one of your policy coverages, will also pay attorney fees if you are sued as the result of your driving. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive coverages will pay to restore your vehicle to like-new condition.
The benefits of insuring your Grand Prix outweigh the cost, especially if you ever need it. But the average American driver overpays as much as $850 per year so compare rates once a year at a minimum to help ensure money is not being wasted.
Which car insurance company is best in Santa Ana?
Picking the top car insurance provider is hard considering how many companies provide coverage in Santa Ana. The ranking data in the lists below can help you pick which coverage providers to look at when shopping your coverage around.
Top 10 Santa Ana Car Insurance Companies Ranked by Customer Service
- AAA of Southern California
- GEICO
- State Farm
- The Hartford
- Mercury Insurance
- The General
- Progressive
- Allstate
- AAA Insurance
- American Family
Top 10 Santa Ana Car Insurance Companies Ranked by Customer Satisfaction
- Titan Insurance - 95%
- USAA - 94%
- AAA of Southern California - 92%
- AAA Insurance - 91%
- Nationwide - 90%
- State Farm - 90%
- The Hartford - 89%
- GEICO - 89%
- The General - 88%
- 21st Century - 88%
Insurance is available from your local insurance agencies
Certain consumers would prefer to buy from a licensed agent and that is OK! Most agents can make sure you are properly covered and help file insurance claims. A good thing about price shopping on the web is the fact that drivers can get better rates and still choose a local agent. And buying from local agencies is definitely important in Santa Ana.
To find an agent, once you fill out this simple form, the coverage information gets sent to local insurance agents in Santa Ana who can give free rate quotes for your business. It makes it easy because there is no need to leave your house as quotes are delivered immediately to your email address. In the event you want to get a comparison quote for a specific company, you would need to search and find their rate quote page and give them your coverage information.
Do you need an independent or exclusive car insurance agent?
If you need to find local Santa Ana agents, it's important to understand the types of agencies and how they are distinctly different. Insurance agents are considered either independent agents or exclusive agents depending on their employer. Either one can provide insurance policies, but it's a good idea to understand the differences since it can impact which type of agent you select.
Independent Insurance Agents (or Brokers)
Independent agencies are appointed with more than one company so they have the ability to put coverage with lots of companies and find the cheapest rate. To transfer your coverage to a different company, the agent simply finds a different carrier and you stay with the same agent. If you need lower rates, we recommend you include rate quotes from multiple independent agents for maximum quote selection. Most also write with small regional insurance companies which can save you money.
Featured below is a short list of independent insurance agents in Santa Ana that may be able to give free insurance quotes.
- AutoCoast Insurance Agency
912 N Harbor Blvd - Santa Ana, CA 92703 - (714) 956-3100 - View Map - Neighborhood Insurance Agency
1333 E First St - Santa Ana, CA 92701 - (714) 285-9990 - View Map - Mural Insurance Agency
1202 17th St #103 - Santa Ana, CA 92701 - (714) 541-1003 - View Map
Exclusive Agencies
Agents in the exclusive channel can only quote rates from one company and examples are AAA, Allstate, and State Farm. Exclusive agencies are unable to provide other company's prices so they are skilled at selling on more than just price. They are very knowledgeable on what they offer which helps them compete with independent agents. Some insured continue to buy from exclusive agents primarily because of the brand legacy and the convenience of having a single billing for all their coverages.
Listed below are exclusive insurance agencies in Santa Ana willing to provide comparison quotes.
- Kelly Davis - State Farm Insurance Agent
2677 N Main St #150 - Santa Ana, CA 92705 - (714) 647-6303 - View Map - Farmers Insurance - Maria Guerrero
1647 E First St a - Santa Ana, CA 92701 - (714) 285-0303 - View Map - Jose Gastelum - State Farm Insurance Agent
1780 E McFadden Ave Ste 114 - Santa Ana, CA 92705 - (714) 557-3344 - View Map
Finding a good insurance agency is decision based upon more than just the quoted price. Agents should be asked these questions:
- Can you get a list of referrals?
- Are they paid to recommend certain coverages?
- Where would glass claims be handled in Santa Ana?
- Are they involved in claim handling?
- Will the company cover a rental car if your car is getting fixed?
- Will the agent or a CSR service your policy?
Once you have reasonable responses to these questions as well as cheap Grand Prix insurance quotes, you may have found an insurance agency that meets the criteria to properly service your insurance policy. Keep in mind you can terminate your policy at any point so never feel that you are obligated to a policy for the full policy term.