Toyota Prius Insurance Rates in Santa Ana

Do you want low-cost Toyota Prius insurance in Santa Ana? Searching for better insurance prices for your Toyota Prius in California could be a lot of work, but you can learn these tips to save time. There are more efficient ways to compare auto insurance rates so we're going to tell you the best way to get price quotes for a Toyota and find the lowest possible price from both online companies and Santa Ana agents.

Low Cost auto insurance in Santa Ana, CA

The companies shown below provide comparison quotes in California. If several companies are displayed, we recommend you get price quotes from several of them in order to find the most competitive rates.

Toyota Prius coverage analysis

The information shown below highlights different rate quotes for Toyota Prius models. Being more informed about how insurance quotes are calculated can be of help when making informed decisions when shopping around for a new policy.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Table data does not factor in your specific Santa Ana location which can raise or lower auto insurance rates substantially.

Policy deductibles

When shopping for auto insurance, a common question is how high should your deductibles be. The data tables below may help to illustrate the costs and benefits between high and low physical damage deductibles. The first set of prices uses a $250 deductible for comprehensive and collision coverage and the second set of rates uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Rate quotes do not factor in vehicle garaging location which can influence rates substantially.

We can estimate from the data above that using a $250 deductible would cost the average driver about $18 more each month or $216 each year than requesting the higher $500 deductible. Since you would have to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you average more than 14 months between claims, you would come out ahead going with the higher deductible.

The example below illustrates how your deductible choice and can raise or lower Toyota Prius insurance premiums for each age group. The data is based on a single female driver, comp and collision included, and no additional discounts are factored in.

Cost of full coverage in Santa Ana

The chart below compares Toyota Prius yearly insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premiums assume no tickets, no at-fault accidents, $100 deductibles, drivers are not married, and no discounts are applied.

When to stop buying comprehensive and collision coverage

There is no specific rule for phasing out comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the annual cost of having full coverage is more than around 10% of the vehicle's replacement cost less your deductible, then you might want to think about dropping full coverage.

For example, let's say your Toyota Prius settlement value is $3,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would receive is $2,000 after you pay the deductible. If you are paying over $200 a year for comprehensive and collision coverage, then you might want to think about dropping full coverage.

There are some conditions where buying only liability insurance is not a good plan. If you still owe money on your vehicle, you have to keep full coverage to protect the lienholder's interest in the vehicle. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should keep full coverage.

Learn How to Lower Your Insurance Premiums

It's important that you understand some of the things that help determine the price you pay for auto insurance. If you have a feel for what determines base rates, this allows you to make good choices that can help you get lower auto insurance prices. Lots of factors are part of the calculation when quoting car insurance. Some factors are common sense such as your driving record, but other factors are less obvious such as whether you are married or how financially stable you are.

The itemized list below are some of the items used by insurance companies to determine your premiums.

Combine home and auto and save - Many companies afford lower prices to policyholders who consolidate policies with them such as combining an auto and homeowners policy. Even if you qualify for this discount already, it's still a good idea to compare Toyota Prius rates in Santa Ana to help guarantee you have the best rates. You may still be able to save even more by insuring with multiple companies.

Tickets can be expensive - Your driving record impacts premiums far more than you think. Even one ticket can boost insurance rates by as much as twenty percent. Good drivers pay lower auto insurance prices than bad drivers. Drivers with dangerous tickets like hit and run, DWI or reckless driving convictions may find that they have to to submit a SR-22 or proof of financial responsibility with their state's department of motor vehicles in order to legally drive.

The chart below illustrates how violations and accident claims can influence Toyota Prius premium costs for different insured age categories. The rate quotes are based on a single male driver, full physical damage coverage, $100 deductibles, and no discounts are applied to the premium.

Marriage is a factor - Having a wife or husband helps lower the price when buying auto insurance. Having a spouse generally demonstrates drivers are less irresponsible and statistics prove drivers who are married file infrequent claims.

Claims cost money - If you are the type of insured that files lots of claims you shouldn't be surprised to get higher premiums or even policy non-renewal. Auto insurance companies in California provide cheaper rates to drivers who do not file claims often. Your insurance policy is meant to be used in the event of claims that pose a financial burden.

Lower premiums with GPS tracking and theft deterrents - Owning a car with anti-theft technology or alarm system can help bring down rates. Theft prevention devices such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help prevent car theft and help bring rates down.

Loss probability for a Toyota Prius - Companies use claims history in order to profitably underwrite each model. Vehicles that tend to have higher frequency or amount of claims will have a higher cost to insure. The table below illustrates the historical loss data for Toyota Prius vehicles.

For each coverage category, the loss probability for all vehicles averaged together is represented as 100. Percentage numbers below 100 are indicative of better than average losses, while values that are above 100 point to more losses or tendency to have larger claims.

Don't overlook these Toyota Prius insurance discounts

Companies that sell car insurance do not advertise all their discounts in a way that's easy to find, so the following list contains some of the best known in addition to some of the lesser obvious credits that you can use to lower your rates.

• Payment Discounts - By making one initial payment as opposed to paying monthly you can avoid monthly service charges.
• College Student Discount - Kids who are enrolled in a college that is more than 100 miles from Santa Ana and do not have a car can receive lower rates.
• Defensive Driving Course - Completing a defensive driver class could save 5% or more and make you a better driver.
• Club Memberships - Affiliation with qualifying employment or professional organizations can get you a small discount on your next car insurance statement.
• One Accident Forgiven - This one is not really a discount per se, but companies like State Farm and GEICO will turn a blind eye to one accident before hitting you with a surcharge so long as you are claim-free before the accident.
• Multi-policy Discount - If you insure your home and vehicles and place coverage with the same company you could get a discount of approximately 10% to 15%.
• Senior Citizen Discount - Older drivers may receive a slight reduction on a Santa Ana auto insurance quote.
• Drive Safe and Save - Insureds who avoid accidents can save up to 40% or more on their Santa Ana auto insurance quote as compared to drivers with claims.
• Claim Free - Claim-free drivers are rewarded with significantly better rates on Santa Ana auto insurance quote when compared to frequent claim filers.
• Federal Employees - Employees or retirees of the government can earn a discount up to 10% with some car insurance companies.

Discounts lower rates, but most discounts do not apply to the overall cost of the policy. Most cut the cost of specific coverages such as comprehensive or collision. So even though they make it sound like all the discounts add up to a free policy, you're out of luck.

The illustration below illustrates the comparison of Toyota Prius insurance costs with and without policy discounts. The premium estimates are based on a male driver, no accidents, no driving violations, California state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, claim-free, multi-policy, homeowner, and multi-car discounts applied.

Some of the larger companies that may offer quotes with these discounts include:

• Farm Bureau
• State Farm
• Progressive
• Allstate
• Nationwide
• MetLife

Before you buy a policy, ask all the companies how you can save money. Some discounts listed above may not be available everywhere. If you would like to see a list of insurers that have a full spectrum of discounts in Santa Ana, click this link.

Compare rate quotes but still have a neighborhood Santa Ana auto insurance agent

Certain consumers would prefer to get advice from a local agent and that is a personal choice. Good insurance agents can help determine the best coverages and will help you if you have claims. The best thing about price shopping on the web is that you can find lower rates and still have a local agent.

For easy comparison, once you complete this short form, the coverage information is instantly submitted to local insurance agents in Santa Ana who will give you quotes for your business. You don't have to contact any agents since rate quotes are delivered straight to your inbox. If for some reason you want to get a rate quote from one company in particular, don't hesitate to navigate to their website and fill out their quote form.

Choosing the best provider needs to be determined by more than just the bottom line cost. Ask your prospective agent these questions:

• Which company do they place the most coverage with?
• When do they do a full risk review?
• Will the company cover a rental car if your car is getting fixed?
• Is there a Errors and Omissions policy in force?
• Is the agency active in community causes in Santa Ana?
• How long have they been in business?
• Are there any extra charges for paying monthly?

Compare rates from both independent and exclusive car insurance agents

When finding a reliable insurance agent, it helps to know the two different agency structures that differ in how they can insure your vehicles. Agencies in Santa Ana can be classified as either independent agents or exclusive agents depending on their employer. Both can do a good job, but it is important to understand how they differ since it may influence the kind of agent you use.

Exclusive Auto Insurance Agents

Exclusive insurance agents can only quote rates from one company and some examples include Allstate, Farmers Insurance or State Farm. These agents are not able to shop your coverage around so they are skilled at selling on more than just price. Exclusive insurance agents are highly trained on the products they sell which helps them compete with independent agents. Drivers often purchase coverage from exclusives mainly due to the brand and solid financial strength.

Listed below is a short list of exclusive insurance agents in Santa Ana who can help you get comparison quotes.

• Kelly Davis - State Farm Insurance Agent
  2677 N Main St #150 - Santa Ana, CA 92705 - (714) 647-6303 - View Map
• Farmers Insurance Agency: Blake Robbins
  3611 S Harbor Blvd #200 - Santa Ana, CA 92704 - (417) 263-1934 - View Map
• Farmers Insurance - Araceli Padilla
  2424 N Grand Ave b - Santa Ana, CA 92705 - (714) 543-4638 - View Map

View more Santa Ana agents

Independent Auto Insurance Agencies

Agents that elect to be independent are not restricted to one company and that is an advantage because they can write policies with any number of different companies enabling the ability to shop coverage around. If prices rise, they simply move your policy to a different company and you don't have to switch agencies. If you need lower rates, you definitely need to compare prices from several independent agencies to get the best comparison. Most also have access to additional companies that you may not be familiar with that many times have cheaper rates.

Listed below is a list of independent agencies in Santa Ana willing to provide price quotes.

• Barrett Insurance Agency
  1438 S Main St - Santa Ana, CA 92707 - (714) 973-9999 - View Map
• Roberti's Insurance Agency
  2128 N Tustin Ave #B - Santa Ana, CA 92705 - (714) 543-2788 - View Map
• FIRST HOME INSURANCE AGENCY
  1522 E 4th St - Santa Ana, CA 92701 - (714) 560-8835 - View Map

View more Santa Ana agents

Persistence will pay off

While you're price shopping online, make sure you don't buy poor coverage just to save money. In many instances, someone dropped liability coverage limits to discover at claim time that the small savings ended up costing them much more. Your strategy should be to get the best coverage possible at an affordable rate, but don't skip important coverages to save money.

Low-cost Toyota Prius insurance in Santa Ana is possible on the web as well as from insurance agents, so you should compare both to get a complete price analysis. There are still a few companies who may not provide online rate quotes and many times these regional insurance providers provide coverage only through independent agents.

Throughout this article, we presented many tips how you can reduce Toyota Prius insurance car insurance rates online in Santa Ana. The key concept to understand is the more rate quotes you have, the higher your chance of finding inexpensive Santa Ana auto insurance quotes. Consumers may even find the most savings is with an unexpected company.

How to find affordable quotes for Toyota Prius insurance in Santa Ana

The easiest way to find affordable Toyota Prius insurance is to compare prices annually from insurance carriers who can sell car insurance in Santa Ana. You can compare prices by completing these steps.

First, try to learn a little about the different coverages in a policy and the things you can change to keep rates down. Many risk factors that are responsible for high rates like at-fault accidents, speeding tickets, and a low credit rating can be remedied by being financially responsible and driving safely.

Second, quote rates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only quote rates from a single company like Progressive or State Farm, while independent agents can quote rates from multiple companies. View a list of agents

Third, compare the new rate quotes to the price on your current policy and see if you can save money. If you find better rates and change companies, make sure the effective date of the new policy is the same as the expiration date of the old one.

Fourth, give notification to your agent or company to cancel your existing policy and submit a down payment along with a signed application to the new company. Immediately safely store the certificate verifying coverage in a readily accessible location in your vehicle.

An important part of this process is to use the same level of coverage on every price quote and to quote with as many carriers as you can. This helps ensure a fair rate comparison and a better comparison of the market.

For more information, feel free to visit these articles:

• Automakers compete to add autobraking (Insurance Institute for Highway Safety)
• Who Has the Cheapest Santa Ana Auto Insurance for 16 Year Olds? (FAQ)
• Who Has the Cheapest Santa Ana Car Insurance for Low Income Drivers? (FAQ)
• What Auto Insurance is Cheapest for High School Students in Santa Ana? (FAQ)
• What Car Insurance is Cheapest for Young Drivers in Santa Ana? (FAQ)
• How Much are Auto Insurance Quotes for First-time Drivers in Santa Ana? (FAQ)
• Auto Insurance Learning Center (State Farm)
• Event Data Recorders FAQ (iihs.org)