Best Ways to Save on Santa Ana Honda Insight Insurance

Unbelievable but true, over 70% of drivers have purchased from the same company for at least four years, and approximately 40% of consumers have never compared auto insurance rates at all. Many consumers in California could save $469 a year, but they don't want to take the time to go online and compare rates.

The best way we recommend to get discount Honda Insight insurance is to compare prices once a year from providers who can sell car insurance in Santa Ana.

• Step 1: It will benefit you to learn about the different coverages in a policy and the changes you can make to keep rates in check. Many risk factors that are responsible for high rates such as traffic violations, accidents, and poor credit history can be amended by paying attention to minor details.
• Step 2: Quote rates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can give quotes from one company like Progressive and State Farm, while independent agencies can provide prices for a wide range of companies.
• Step 3: Compare the new rates to your existing coverage and determine if there is any savings. If you find a lower rate quote and buy the policy, make sure coverage is continuous and does not lapse.
• Step 4: Notify your current company to cancel your current coverage. Submit payment along with a signed and completed policy application for your new coverage. As soon as you receive it, store the certificate verifying coverage along with the vehicle's registration papers.

One key aspect when comparing rates is to try to use the same liability limits and deductibles on each quote request and and to get prices from every insurance company. This provides a fair price comparison and the best price quote selection.

The method we recommend to get rate comparisons for Honda Insight insurance in Santa Ana is to know car insurance companies actually pay money for the chance to compare their rates. All consumers are required to do is provide the companies a bit of rating information such as your general credit rating, how much school you completed, the year, make and model of vehicles, and if your license is active. That information gets sent immediately to insurance companies and they return rate quotes quickly.

To compare multiple company lower-cost Honda Insight insurance rates now, click here and complete the form.

The auto insurance companies shown below offer comparison quotes in Santa Ana, CA. If the list has multiple companies, we recommend you visit several of them to get the lowest price.

Premium rates and analysis

The data table displayed next highlights estimates of prices for Honda Insight models. Learning as much as possible about how policy rates are formulated can assist in making informed purchases.

Table data represents married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Rates do not factor in Santa Ana location which can alter insurance rates considerably.

An analysis of deductible level

When buying insurance, a common question is how high should your deductibles be. The rates below may help to illustrate the premium difference of buying low and high physical damage coverage deductibles. The first table uses a $250 deductible for comp and collision and the second data table uses a $500 deductible.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Table data does not factor in specific garaging location which can increase or decrease coverage rates greatly.

Based on these figures, using a $250 deductible could cost the average driver approximately $17 more each month or $204 each year than opting for 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 usually have more than 15 months between claim filings, you would save money if you choose a higher deductible.

The illustration below demonstrates how deductible levels and can raise or lower Honda Insight insurance prices for different ages of insureds. The data is based on a single female driver, comp and collision included, and no discounts are taken into consideration.

Do I need special coverages?

When choosing adequate coverage, there is no best way to insure your cars. Everyone's needs are different.

These are some specific questions could help you determine whether your personal situation would benefit from professional advice.

• What is the ISO rating for a Honda Insight?
• Can my teen driver be rated on a liability-only vehicle?
• Is there coverage for my trailer?
• What is medical payments coverage?
• Am I covered when pulling a rental trailer?
• Are my company tools covered if they get stolen?
• Do I have coverage for damage caused while driving under the influence?
• Does insurance cover damages from a DUI accident?
• Can I get by with minimal medical coverage if I have good health insurance?
• If I use my vehicle for business use is it covered?

If you don't know the answers to these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you don't have a local agent, fill out this quick form. It's fast, free and can help protect your family.

Local agents and car insurance

Some consumers just prefer to sit down and talk to an agent and that is a personal choice. Agents are highly skilled in risk management and will help you if you have claims. One of the benefits of comparing insurance prices online is the fact that drivers can get cheap car insurance quotes but also keep your business local. Supporting small agencies is especially important in Santa Ana.

For easy comparison, once you complete this form (opens in new window), your insurance coverage information is immediately sent to local insurance agents in Santa Ana who will return price quotes to get your business. It simplifies rate comparisons since you won't have to find an agent on your own due to the fact that quote results will go to you directly. If you want to get a comparison quote from a specific car insurance provider, you would need to find their quoting web page to submit a rate quote request.

If you're trying to find local Santa Ana agents, it can be helpful to understand the different agency structures and how they are slightly different. Insurance agencies in Santa Ana may be either exclusive or independent (non-exclusive). Either one can insure your vehicles properly, but it's worth learning how they differ because it can factor into buying decisions.

Independent Car Insurance Agents (or Brokers)

Independent agencies are not required to write business for one company so they can insure your vehicles with an assortment of companies and potentially find a lower price. If they find a cheaper price, they simply switch companies in-house and the insured can keep the same agent.

When comparing car insurance prices, you should always get quotes from at least one independent agent to have the best price comparison.

Shown below is a short list of independent insurance agents in Santa Ana that can give you comparison quotes.

More Santa Ana agents

Exclusive Agencies

Exclusive insurance agents generally can only insure with one company like American Family, State Farm, and Allstate. These agents are unable to place coverage with different providers so if the price isn't competitive there isn't much they can do. Exclusive agents are well trained on their company's products which helps them sell insurance even at higher premiums.

Shown below is a list of exclusive insurance agents in Santa Ana that are able to give price quotes.

More Santa Ana agents

Choosing an auto insurance agent needs to be determined by more than just a cheap quote. Before buying a policy in Santa Ana, get answers to these questions.

• Did they already check your driving record and credit reports?
• How long has the business existed?
• Does the company use OEM repair parts?
• How will an accident affect your rates?
• How is replacement cost determined on your vehicle?

Which car insurance company is best in California?

Picking the highest-rated car insurance company can be a challenge considering how many companies sell coverage in California. The ranking data shown below can help you analyze which car insurance providers to look at to insure your vehicles.

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+

Top 10 Santa Ana Car Insurance Companies Ranked by Claims Service

1. AAA of Southern California
2. State Farm
3. Esurance
4. AAA Insurance
5. Progressive
6. Liberty Mutual
7. GEICO
8. Allstate
9. Titan Insurance
10. The Hartford