Shocking but true, most consumers kept their coverage with the same insurance company for at least four years, and just under half have never taken the time to shop around. Santa Ana drivers can save 35% each year, but they don't understand how simple it is to compare rates online.
To save the most money, the best way to quote cheaper auto insurance rates is to compare prices regularly from insurance carriers who provide auto insurance in Santa Ana.
First, try to learn a little about the different coverages in a policy and the measures you can control to prevent high rates. Many things that cause rate increases like careless driving and poor credit history can be amended by paying attention to minor details. Read the full article for instructions to get cheaper coverage and find discounts that you may qualify for.
Second, compare price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can give quotes from a single company like Progressive and State Farm, while independent agencies can quote prices from multiple companies.
Third, compare the new rates to your current policy to see if you can save by switching companies. If you find a lower rate, make sure there is no lapse in coverage.
Fourth, provide proper notification to your current company of your intention to cancel the current policy. Submit payment and a completed application to the newly selected company. As soon as you have the new policy, store the certificate verifying coverage in a readily accessible location in your vehicle.
The most important part of shopping around is to compare identical coverages on every price quote and and to get rate quotes from as many carriers as you can. Doing this enables an accurate price comparison and the most accurate and complete price analysis.
To find low cost rates, there are a couple of ways of comparing price quotes from many car insurance companies in California. The easiest way to lower the rate you pay for Acura RLX insurance involves getting comparison quotes online.
Comparison shopping rate quotes online is easy and it takes the place of having to drive around to insurance agencies in your area. Comparing Acura RLX insurance rates online can eliminate the need for a local agent unless you have a need for the personal advice that only a licensed agent can provide. If you prefer, some companies allow you to find lower rates online and have a local agent actually service the policy.
When comparing car insurance rates, know that comparing more rates from different companies provides better odds of finding better pricing. Not every company allows you to get Santa Ana RLX insurance quotes online, so it's important to compare rates from them as well.
The companies shown below can provide free rate quotes in Santa Ana, CA. If more than one company is shown, we recommend you visit several of them to get the best price comparison.
Buying the right Acura RLX insurance in California is an important decision
Even though it can be expensive, insurance is required in California but also provides important benefits.
First, almost all states have minimum mandated liability insurance limits which means the state requires a specific minimum amount of liability coverage if you don't want to risk a ticket. 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.
Second, if your car has a loan, most banks will require you to have physical damage coverage to ensure the loan is repaid in case of a total loss. If you cancel or allow the policy to lapse, the lender may have to buy a policy to insure your Acura at an extremely high rate and force you to pay for it.
Third, car insurance protects your Acura RLX and your assets. It will also pay for medical transport and hospital expenses that are the result of an accident. As part of your policy, liability insurance also covers all legal expenses up to the policy limit if anyone sues you for causing an accident. If your vehicle suffers damage from an accident or hail, collision and comprehensive (also known as other-than-collision) coverage will pay all costs to repair after the deductible has been paid.
The benefits of insuring your car more than cancel out the cost, especially for larger claims. Unknowingly, the average driver is overpaying over $820 a year so you should quote your policy with other companies at every renewal to be sure current rates are still competitive.
Auto insurance discounts help lower rates for Acura RLX insurance in Santa Ana
Not many people think insurance is cheap, but there's a good chance there are discounts that could drop your premiums quite a bit. Many discounts should be triggered at the time you complete a quote, but lesser-known reductions have to be requested specifically before being credited. If you are not receiving all the discounts possible, you could be getting lower rates.
- Driver Training Discounts - Taking time to complete a course that instructs on driving safety could possibly earn you a 5% discount and easily recoup the cost of the course.
- Military Deployment Discount - Being on active deployment in the military could be rewarded with lower premium rates.
- Data Collection Discounts - Insureds who allow data collection to spy on when and where they use their vehicle through the use of a telematics system like In-Drive from State Farm and Progressive's Snapshot could save a few bucks if they have good driving habits.
- Federal Employees - Active or former government employment can earn a discount up to 10% depending on your auto insurance provider.
- Auto/Life Discount - If the company offers life insurance, you could get a discount if you purchase life insurance.
- Sign Early and Save - A few insurance companies offer discounts for buying a policy before your current expiration date. It's a savings of about 10%.
- Good Grades Discount - Performing well in school can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
Please keep in mind that some of the credits will not apply to all coverage premiums. Most cut the price of certain insurance coverages like collision or personal injury protection. So even though it sounds like you can get free auto insurance, insurance companies wouldn't stay in business. But all discounts will lower your policy cost.
If you would like to view insurers that provide some of the discounts listed above in California, follow this link.
When do I need to have guidance from an agent?
Some people still like to have an agent's advice and that is a personal choice. The biggest benefit of comparing insurance prices online is that drivers can save money and get the lowest rates but also keep your business local. Buying from local agents is definitely important in Santa Ana.
After completing this short form, your insurance data is instantly submitted to insurance agents in Santa Ana who can give free rate quotes to get your business. You won't need to search for an agent since price quotes are sent straight to your inbox. You can find the lowest rates without having to waste a lot of time. In the event you want to quote rates from a particular provider, you just need to visit that company's website and submit a quote form there.
What type of Santa Ana car insurance agent is right for you?
If you would like to find a local agent, you should know the different types of agencies that you can choose from. Agencies in Santa Ana can be described as either independent (non-exclusive) or exclusive.
Independent insurance agents are not employed by one company so they can quote policies with multiple insurance companies and possibly get better coverage at lower prices. If prices rise, they simply move your policy to a different company and the insured can keep the same agent.
When comparing rates, you will definitely want to get quotes from several independent insurance agents for maximum quote selection.
Shown below are independent insurance agencies in Santa Ana that may be able to provide free insurance quotes.
Exclusive Insurance Agents
Agents that choose to be exclusive can usually just insure with one company such as Farmers Insurance, Allstate, or State Farm. They are unable to compare other company's rates so always compare other rates. These agents receive extensive training on their company's products which helps them sell insurance even at higher premiums.
Below is a list of exclusive insurance agents in Santa Ana that are able to give price quotes.
Farmers Insurance: Ray Cheng Insurance Agency Inc.
540 N Golden Cir Dr #315 - Santa Ana, CA 92705 - (888) 395-4847 - View Map
Finding a good car insurance agent requires you to look at more than just the bottom line cost. These are some questions you should get answers to.
- By raising physical damage deductibles, how much would you save?
- Do they make recommendations based only on price?
- If you are a high risk driver, do they have special markets for your coverage?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Is the agency involved in supporting local community causes?
Car insurance 101
Knowing the specifics of a auto insurance policy can be of help when determining which coverages you need for your vehicles. Auto insurance terms can be confusing and coverage can change by endorsement. These are the usual coverages found on most auto insurance policies.
Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when the "other guys" are uninsured or don't have enough coverage. This coverage pays for injuries sustained by your vehicle's occupants as well as your vehicle's damage.
Since many California drivers only purchase the least amount of liability that is required (which is 15/30/5), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Most of the time these limits do not exceed the liability coverage limits.
Medical costs insurance
Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like dental work, X-ray expenses, pain medications and ambulance fees. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay
Collision insurance covers damage to your RLX caused by collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision can pay for claims like driving through your garage door, scraping a guard rail, sustaining damage from a pot hole, sideswiping another vehicle and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible on your RLX to bring the cost down.
Liability car insurance
Liability insurance will cover damage that occurs to other people or property in an accident. This insurance protects YOU against claims from other people. Liability doesn't cover your injuries or vehicle damage.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 15/30/5 that means you have $15,000 bodily injury coverage, a total of $30,000 of bodily injury coverage per accident, and property damage coverage for $5,000. Occasionally you may see a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.
Liability insurance covers claims like legal defense fees, medical expenses, pain and suffering and bail bonds. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible. California requires minimum liability limits of 15/30/5 but you should think about purchasing higher limits.
The next chart demonstrates why low liability limits may not be high enough to adequately cover claims.
Comprehensive or Other Than Collision
Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.
Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, hail damage, damage from a tornado or hurricane and hitting a bird. The most a auto insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.
In this article, we covered many tips how you can get a better price on Acura RLX insurance in Santa Ana. The key concept to understand is the more providers you compare, the better your comparison will be. Drivers may even discover the biggest savings come from a small mutual company. These companies may have significantly lower car insurance rates on certain market segments as compared to the big name companies such as State Farm or Progressive.
When shopping online for insurance, it's a bad idea to sacrifice coverage to reduce premiums. In many instances, someone sacrificed comprehensive coverage or liability limits and found out when filing a claim that the savings was not a smart move. Your focus should be to buy a smart amount of coverage at the best cost.
Cost effective Acura RLX insurance can be sourced from both online companies in addition to local insurance agencies, and you should be comparing both to have the best selection. A few companies do not provide internet price quotes and many times these smaller providers sell through independent insurance agencies.
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