How to Save on Santa Ana Chevy Spark Insurance

  1. Home
  2. >
  3. Santa Ana Auto Insurance
  4. >
  5. Chevrolet Spark

Insurance rates Chevy Spark in Santa AnaAre you doing reasearch to find lower-priced Chevy Spark insurance in Santa Ana? Tired of sacrificing to insure your Chevy every month? You are no different than the majority of other vehicle owners in California.

A recent car insurance study revealed that the vast majority of consumers renewed their policy with the same company for over three years, and nearly 40% of drivers have never compared rate quotes at all. American drivers could save an average of as much as 47% each year just by comparing rates, but they just assume it's a time-consuming process to save money by comparing rate quotes.

Steps to finding better rates for Chevy Spark insurance in Santa Ana

To save the most money, the best way to find lower priced Chevy Spark insurance is to compare prices at least once a year from companies in Santa Ana. Prices can be compared by following these steps.

Step 1: It will benefit you to learn about how car insurance works and the steps you can take to keep rates in check. Many factors that cause high rates like traffic citations, accidents, and bad credit can be amended by making small lifestyle or driving habit changes.

Step 2: Compare price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can give quotes from a single company like GEICO and Allstate, while agents who are independent can provide rate quotes for a wide range of insurance providers.

Step 3: Compare the quotes to your existing rates to see if a cheaper rate is available in Santa Ana. If you find a lower rate quote and buy the policy, make sure there is no lapse between the expiration of your current policy and the new one.

Step 4: Provide proper notification to your current company of your intent to cancel your current policy. Submit a signed application and payment to the newly selected company. Be sure to safely store the certificate of insurance in your glove compartment.

The most important part of shopping around is to use the same liability limits and deductibles on every quote and and to get price estimates from as many different insurance providers as possible. Doing this provides a level playing field and many rates to choose from.

Multiple insurers compete to insure your vehicles, and it can be difficult to compare rates to find the best rate on Chevy Spark insurance in Santa Ana.

If you have auto insurance now, you should be able to get lower rates using the ideas you're about to read. Buying the cheapest auto insurance in Santa Ana is actually not that difficult if you follow our advice. Although California drivers do need to understand the way companies market on the web because rates fluctuate considerably.

Best companies for Chevy Spark insurance

The providers in the list below have been selected to offer comparison quotes in Santa Ana, CA. If multiple providers are shown, we suggest you compare several of them to get the cheapest price.

Five Things That Determine Your Insurance Rates

Many different elements are used when quoting car insurance. Most are fairly basic like your driving record, but others are less obvious like your continuous coverage or your financial responsibility. When buying car insurance it's important to understand some of the elements that help determine the price you pay for car insurance. When you understand what positively or negatively impacts your premiums, this enables informed choices that will entitle you to big savings.

The following are just a few of the factors used by insurance companies to determine your prices.

Do you need those add-on coverages? - There are many extra bells and whistles that sound like a good idea at the time when buying car insurance. Coverage for things like rental car reimbursement, death and dismemberment, and membership fees are probably not needed. They may seem like a good idea when discussing your needs, but if you've never needed them in the past eliminate them to save money.

Cheaper rates by combining - Most larger companies apply lower prices for people that buy multiple policies, otherwise known as a multi-policy discount. Even if you already get this discount, you still need to shop around to ensure the best deal. You may still be able to find better rates by buying insurance from more than one company.

Liability coverage claims can be big - Your car insurance policy's liability coverage will protect you if ever you are determined to be liable for an accident. It will provide legal defense coverage up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so drivers should make sure they buy enough to cover all assets.

What's your car's crash test rating? - Safer cars are cheaper to insure. These vehicles result in less severe injuries and fewer serious injuries means less money paid by your insurance company which can mean better rates for you. If the Chevy Spark has at least four stars on it may be receiving lower rates.

Experienced drivers pay less - Youthful drivers in California are statistically shown to be careless and easily distracted behind the wheel so they pay higher car insurance rates. More mature drivers are more cautious drivers, statistically cause fewer accidents, and tend to be get fewer driving tickets.

Cheap Santa Ana insurance rates with discounts

Companies offering auto insurance don't list all their discounts in an easy-to-find place, so the list below details a few of the more well known as well as some of the hidden credits that may apply to you. If you aren't receiving every discount possible, you could be getting lower rates.Cheaper insurance with discounts

  • Organization Discounts - Joining specific professional or occupational memberships or organizations could earn you a nice discount on your next renewal.
  • Passive Restraints - Vehicles equipped with air bags or motorized seat belts may qualify for discounts of up to 25% or more.
  • Paperwork-free - Some of the larger companies will provide an incentive for buying your policy online.
  • Discounts for Federal Employees - Simply working for the federal government may qualify for a discount when you quote Santa Ana car insurance but check with your company.
  • Policy Bundle Discount - If you combine your home and auto policies and place coverage with the same company they may give you a discount of nearly 15% which can help you find the cheapest Chevrolet Spark insurance in Santa Ana.
  • Discounts for Safe Drivers - Insureds who avoid accidents may receive a discount up to 45% than drivers with accident claims.

Keep in mind that most of the big mark downs will not be given to the overall cost of the policy. Most only reduce the cost of specific coverages such as comprehensive or collision. So even though they make it sound like all those discounts means the company will pay you, nobody gets a free ride. Any amount of discount will bring down your policy premium.

Popular insurance companies and their offered discounts are shown below.

  • GEICO includes discounts for emergency military deployment, daytime running lights, air bags, multi-vehicle, federal employee, and anti-lock brakes.
  • Auto-Owners Insurance offers discounts including student away at school, safe vehicle, paid in full, air bags, and multi-policy.
  • American Family policyholders can earn discounts including mySafetyValet, accident-free, early bird, Steer into Savings, multi-vehicle, good student, and bundled insurance.
  • Esurance has savings for Pac-12 alumni, anti-lock brakes, online shopper, homeowner, emergency road assistance, renters, and multi-policy.
  • Progressive has discounts for continuous coverage, online quote discount, multi-policy, homeowner, good student, online signing, and multi-vehicle.
  • State Farm may include discounts for good driver, passive restraint, defensive driving training, student away at school, and safe vehicle.
  • AAA offers discounts for anti-theft, multi-policy, pay-in-full, multi-car, and AAA membership discount.

When comparing rates, check with every insurance company how many discounts you can get. Some discounts might not be offered on policies in Santa Ana.

Insurance agent or online?

Many drivers just want to get advice from a local agent and there is nothing wrong with that. A nice benefit of getting free rate quotes online is that drivers can save money and get cheap auto insurance rates but still work with a licensed agent.

To find an agent, once you fill out this simple form, the coverage information is sent to agents in your area who will give you bids for your insurance coverage. You don't have to contact any agents because quoted prices will be sent straight to your inbox. You can get cheaper auto insurance rates without having to waste a lot of time. If you wish to get a comparison quote for a specific company, you would need to navigate to their website and fill out their quote form.

Picking an insurance company should include more criteria than just a low price. Here are some questions you should ask.

  • Is working in the agency their full-time job?
  • Does the agency have a positive business rating?
  • Does the quote include credit and driving reports?
  • Who is covered by the car insurance policy?
  • Is their price quote a firm figure or are their hidden costs?

When searching for a reliable agent, you must know there are a couple different types of agents and how they can write your policy. Insurance agencies in Santa Ana can be described as either independent agents or exclusive agents depending on their employer.

Exclusive Agencies

Agents that choose to be exclusive can only write with one company and some examples include Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agents cannot provide prices from multiple companies so keep that in mind. Exclusive agents receive a lot of sales training on the products they sell which helps them sell insurance even at higher premiums.

Shown below are Santa Ana exclusive agents who may provide you with price quotes.

117 S Harbor Blvd - Santa Ana, CA 92704 - (714) 775-5423 - View Map

2961 W MacArthur Blvd #123 - Santa Ana, CA 92704 - (714) 662-3830 - View Map

3500 S Bristol St #201 - Santa Ana, CA 92704 - (714) 433-2996 - View Map

View more Santa Ana agents

Independent Insurance Agents

Agents that elect to be independent are normally appointed by many insurers so they can insure your vehicles with an assortment of companies depending on which coverage is best. To move your coverage to a new company, an independent agent can move your coverage which makes it simple for you. When comparing rates, you will want to contact several independent insurance agents to have the most options to choose from.

Below is a list of independent agents in Santa Ana that are able to give price quote information.

1522 E 4th St - Santa Ana, CA 92701 - (714) 560-8835 - View Map

Santa Ana Insurance
1331 W 1st St #101 - Santa Ana, CA 92703 - (714) 953-9341 - View Map

830 N Ross St - Santa Ana, CA 92701 - (714) 558-1034 - View Map

View more Santa Ana agents

Once you have received good responses for all questions you ask as well as cheap Spark insurance quotes, you may have found a car insurance agent that meets the requirements to adequately provide auto insurance. But keep in mind you can cancel your coverage for any reason so never feel you're contractually obligated to a policy for the entire policy term.

Situations that may require an agent's advice

When choosing your policy, there really is not a one size fits all plan. Each situation is unique.Higher deductibles save money

For example, these questions can aid in determining whether you would benefit from professional advice.

  • When should I not file a claim?
  • Is my custom stereo system covered?
  • Are split liability limits better than a combined single limit?
  • What exactly is covered by my policy?
  • Should I carry comprehensive and collision coverage?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • At what point should I drop full coverage?
  • Am I covered when driving a rental car?
  • Does coverage follow the driver or the vehicle?
  • What is glass protection for?

If you don't know the answers to these questions but one or more may apply to you, you might consider talking to an agent. To find an agent in your area, take a second and complete this form.

Car insurance savings summarized

In this article, we presented some good ideas how to save on Chevy Spark insurance in Santa Ana. The key concept to understand is the more rate quotes you have, the better likelihood of getting affordable Chevrolet Spark insurance quotes. Drivers may even discover the best auto insurance rates are with some of the smallest insurance companies.

As you go through the steps to switch your coverage, make sure you don't skimp on critical coverages to save a buck or two. There are many occasions where someone dropped full coverage to discover at claim time they didn't purchase enough coverage. The proper strategy is to buy enough coverage at the best cost, but do not sacrifice coverage to save money.

Budget-friendly car insurance in Santa Ana can be bought from both online companies as well as from insurance agents, and you need to price shop both to have the best selection. Some insurance providers may not provide internet price quotes and usually these smaller companies work with independent agents.

Steps to finding low-cost rates for Chevy Spark insurance in Santa Ana

The best way to get cheaper Chevy Spark insurance is to start comparing prices yearly from insurance carriers who can sell car insurance in Santa Ana.

First, take a few minutes and learn about what coverages are included in your policy and the changes you can make to prevent expensive coverage. Many factors that cause rate increases like at-fault accidents and a less-than-favorable credit rating can be improved by making minor driving habit or lifestyle changes.

Second, request price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give prices from a single company like GEICO or Allstate, while agents who are independent can provide prices for many different companies. View a list of agents

Third, compare the new rate quotes to your existing coverage to see if switching to a new carrier will save money. If you find better rates, make sure there is no lapse between the expiration of your current policy and the new one.

Fourth, give proper notification to your current agent or company of your intent to cancel your current coverage. Submit payment and a signed application for your new coverage. As soon as you receive it, keep your new proof of insurance paperwork with your registration paperwork.

The key thing to know about shopping around is that you use the same amount of coverage on every quote request and and to look at as many carriers as you can. Doing this enables the most accurate price comparison and a complete rate analysis.

Additional learning opportunities