Save Money on Chevy Trax Insurance in Santa Ana

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It's an obvious assumption that auto insurance companies don't want their policyholders to compare prices. Insureds who compare rates once a year will, in all likelihood, buy a new policy because there is a great chance of finding coverage at a cheaper rate. A recent survey discovered that consumers who make a habit of shopping around saved over $70 a month compared to drivers who never compared prices.

If finding budget-friendly car insurance is your objective, then knowing how to shop for insurance can make the process more efficient.

Insurance rates Chevy Trax in Santa AnaThe most effective way to find discount Chevy Trax insurance in Santa Ana is to start comparing prices regularly from insurers in California.

  • Step 1: Spend some time learning about individual coverages and the things you can change to keep rates low. Many rating criteria that cause high rates such as accidents, careless driving, and a lousy credit rating can be controlled by making minor changes in your lifestyle. Keep reading for additional tips to help reduce premium rates and find hidden discounts.
  • Step 2: Get rate quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only quote rates from a single company like GEICO and Allstate, while independent agents can provide prices from multiple sources. View insurance agents
  • Step 3: Compare the new quotes to the price on your current policy to see if you can save by switching companies. If you can save some money and make a switch, ensure coverage does not lapse between policies.

The most important part of this process is to try to compare identical coverage information on each price quote and and to get prices from as many different insurance providers as possible. Doing this enables an apples-to-apples comparison and maximum price selection.

The cheapest Santa Ana Chevy Trax insurance price quotes

The are a couple different ways to compare rate quotes from many available insurance companies in California. The recommended way to comparison shop consists of obtaining rate quotes online.

Comparing rates online is fast and free, and it takes the place of having to spend time driving to local Santa Ana insurance agencies. Quoting Chevy Trax insurance online has reduced the need for local agents unless you prefer the peace of mind of a local agency. Although, it is possible comparison shop your insurance online and get advice from an agent in your area. Just keep in mind that comparing more rates from different companies provides better odds of finding the best offered rates. Not every company provides online Santa Ana Trax insurance quotes, so it's important to also get quotes from them, too.

The companies shown below are our best choices to provide quotes in California. If more than one company is shown, it's highly recommended you click on several of them to find the lowest car insurance rates.

Discounts can help lower premiums on Chevy Trax insurance in Santa Ana

Companies don't necessarily list their entire list of discounts very well, so the list below gives a summary of some of the best known and the harder-to-find discounts you could be receiving when you buy Santa Ana auto insurance online. If you do not check that you are getting every discount you deserve, you're paying more than you need to.Cheaper insurance with discounts

  • Driver Education Discount - Require your teen driver to successfully take a driver's education course as it can save substantially.
  • Good Student Discount - Getting good grades may save as much as 25% on a Santa Ana auto insurance quote. You can use this discount normally well after school through age 25.
  • Distant Student - Kids who are attending college and do not have a car may be able to be covered for less.
  • No Accidents - Drivers who don't have accidents get the best insurance rates as compared to drivers who are more careless.
  • Waiver for an Accident - Not really a discount, but a few companies such as Liberty Mutual, Allstate and State Farm will forgive one accident without the usual rate increase if you have no claims for a specific time period.

We need to note that most discounts do not apply to the entire policy premium. A few only apply to the price of certain insurance coverages like collision or personal injury protection. So even though it sounds like you could get a free insurance policy, you won't be that lucky. But any discount will help reduce your premiums.

Companies and a summarized list of policyholder discounts are detailed below.

  • GEICO may offer discounts for anti-theft, military active duty, membership and employees, driver training, air bags, seat belt use, and multi-policy.
  • Travelers may include discounts for home ownership, new car, continuous insurance, early quote, driver training, multi-car, and multi-policy.
  • Nationwide offers discounts for multi-policy, accident-free, defensive driving, family plan, anti-theft, good student, and Farm Bureau membership.
  • Farmers Insurance may have discounts that include bundle discounts, good student, mature driver, pay in full, and homeowner.
  • Esurance discounts include anti-theft, Switch & Save, good driver, anti-lock brakes, good student, multi-car, and DriveSense.
  • State Farm offers discounts including passive restraint, driver's education, accident-free, safe vehicle, multiple policy, and multiple autos.
  • Progressive policyholders can earn discounts including multi-policy, online signing, multi-vehicle, good student, homeowner, continuous coverage, and online quote discount.
  • Mercury Insurance has discounts for ease of repair, type of vehicle, anti-theft, good driver, good student, annual mileage, and low natural disaster claims.

When getting a coverage quote, ask each company or agent which credits you are entitled to. Some discounts might not be offered in every state. To choose insurers with discount rates in California, click this link.

Chevy Trax Insurance Rates Can Be Reduced

Many things are taken into consideration when quoting car insurance. A few of the factors are predictable like an MVR report, but others are not as apparent such as your credit history or how safe your car is. It's important that you understand some of the elements that help determine your policy premiums. If you have a feel for what positively or negatively impacts your premiums, this enables you to make decisions that may reward you with much lower annual insurance costs.

  • Where do you drive? - The more miles you rack up on your Chevy annually the higher your rate. Many insurance companies charge rates based upon how much you drive. Vehicles that have low annual miles can get a lower rate than vehicles that have high annual mileage. It's always a good idea to double check that your auto insurance policy is showing the correct usage for each vehicle. Having an incorrect usage rating on your Trax can cost quite a bit.
  • Drive a safer car and pay less - Vehicles with high crash test scores can get you lower premiums. The safest vehicles help reduce the chance of injuries in an accident and fewer injuries means your insurance company pays less and more competitive rates for policyholders.
  • Allowing your auto insurance to lapse raises auto insurance rates - Not maintaining insurance can get you a ticket and your next policy will cost more because you let your insurance expire. In addition to paying higher rates, being ticketed for driving with no insurance might get you a steep fine or even jail time.
  • Consolidate policies to earn discounts - Lots of companies apply better rates to customers that have more than one policy in the form of a multi-policy discount. Even with this discount, it's still a good idea to comparison shop to confirm you are receiving the best rates possible.
  • Raising deductibles lowers rates - Comp and collision deductibles state the amount of money you are willing to pay if a claim is determined to be covered. Insurance for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some examples of covered claims are colliding with a stationary object, damage caused by hail, and damage caused by road hazards. The more damage repair cost you pay before a claim is paid (deductible), the better rate you will receive.
  • Gender and car insurance prices - Over the last 50 years, statistics have shown women are more cautious behind the wheel. This data doesn't prove that men are WORSE drivers than women. They both cause auto accidents at a similar rate, but the males tend to have higher claims. Not only that, but men also receive more costly citations like driving under the influence (DUI). Young males generally have the highest accident percentage so they pay the highest premiums.
  • Insurance losses for a Chevy Trax - Auto insurance companies use past loss statistics for each vehicle to determine a price that will be profitable for them. Vehicles that the statistics show to have higher prevalence or dollar amount of losses will cost more to insure.

    The table below illustrates the historical loss data for Chevy Trax vehicles. For each type of coverage, the loss probability for all vehicles averaged together is equal to 100. Percentages below 100 are indicative of better than average losses, while numbers above 100 indicate frequent claims or statistically larger losses.

    Auto Insurance Loss Data for Chevrolet Trax Models
    Vehicle Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
    Chevrolet Trax 4dr 2WD 79
    Chevrolet Trax 4dr 4WD 81

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

Do I need an agent?

Some people still like to sit down and talk to an agent. One of the best bonuses of comparing rate quotes online is the fact that you can find lower prices but still work with a licensed agent.

Find insurance agent in Santa AnaUpon completion of this form (opens in new window), the quote information gets sent to companies in Santa Ana that can give you free Santa Ana auto insurance quotes for your coverage. It makes it easy because there is no need to find an agent on your own because prices are sent to you instantly. You can most likely find cheaper rates without requiring a lot of work. If you want to quote rates from a specific auto insurance provider, don't hesitate to visit that company's website to submit a rate quote request.

Choosing the best provider is decision based upon more than just the price. Agents should be asked these questions:

  • Is the agent properly licensed in California?
  • How often do they review policy coverages?
  • What discounts might you be missing?
  • How long has the business existed?
  • Do you work with a CSR or direct with the agent?

If you want to use a reputable insurance agent or broker, there are a couple of types of agencies that you can choose from. Santa Ana agents are categorized either independent agents or exclusive agents depending on their employer.

Exclusive Agencies

These agents can only provide one company's prices like American Family, State Farm, and AAA. They generally cannot place coverage with different providers so they have no alternatives for high prices. Exclusive insurance agents receive extensive training on their company's products which helps offset the inability to provide other markets.

Shown below are exclusive agencies in Santa Ana who can help you get price quote information.

1780 E McFadden Ave Ste 114 - Santa Ana, CA 92705 - (714) 557-3344 - View Map

2441 N Tustin Ave - Santa Ana, CA 92705 - (714) 550-1100 - View Map

Aidee Lopez - State Farm Insurance Agent
3750 W McFadden Ave e - Santa Ana, CA 92704 - (714) 775-3090 - View Map

More Santa Ana agents

Independent Auto Insurance Agencies

Agents that choose to be independent are not limited to a single company so they can quote policies amongst many companies and find you cheaper rates. To move your coverage to a new company, your agent can just switch to a different company without you having to go to a different agency.

When searching for an agent, we recommend you get rate quotes from a few independent agents to maximize your price options.

Shown below is a short list of independent agencies in Santa Ana that are able to give rate quotes.

202 S Grand Ave - Santa Ana, CA 92701 - (800) 400-3038 - View Map

Mural Insurance Agency
1202 17th St #103 - Santa Ana, CA 92701 - (714) 541-1003 - View Map

555 Park Center Dr #118 - Santa Ana, CA 92705 - (714) 464-8010 - View Map

More Santa Ana agents

How to know if you need help

When quoting and choosing your policy, there really is not a "best" method to buy coverage. Everyone's needs are different.Safe vehicles cost less to insure

For example, these questions could help you determine if you will benefit from professional help.

  • Is motorclub coverage worth it?
  • Are split liability limits better than a combined single limit?
  • How can I get high-risk coverage after a DUI?
  • What is UM/UIM insurance?
  • Does liability extend to a camper or trailer?
  • How much liability coverage do I need in California?
  • Do I need to call my car insurance company before buying a new car?
  • Does my policy cover my teen driver if they drive my company car?
  • When would I need rental car insurance?
  • Do I have any recourse if my insurance company denies a claim?

If you don't know the answers to these questions, then you may want to think about talking to an insurance agent. If you don't have a local agent, take a second and complete this form.

Cheaper auto insurance is a realistic goal

Insureds change insurance companies for any number of reasons including being labeled a high risk driver, an unsatisfactory settlement offer, extreme rates for teen drivers or even lack of trust in their agent. It doesn't matter why you want to switch choosing a new insurance company can be easier than you think.

We covered quite a bit of information on how to reduce Chevy Trax insurance prices online in Santa Ana. The key thing to remember is the more price quotes you have, the higher your chance of finding cheaper Santa Ana auto insurance quotes. You may even find the biggest savings come from the smaller companies.

Cost effective Chevy Trax insurance can be bought online and also from your neighborhood Santa Ana agents, so you need to shop Santa Ana auto insurance with both to have the best chance of lowering rates. There are still a few companies who do not provide online price quotes and most of the time these smaller companies only sell coverage through local independent agencies.

More detailed auto insurance information is available at these sites: