Would you like to buy more competitive insurance rates in Santa Ana, CA? Finding low-cost insurance for a car in California can turn out to be a lot of work, but you can follow these tips to save time. There is a right way and a wrong way to shop for insurance and we'll show you the best way to compare rates for a and obtain the best price possible.

These discounts can slash insurance rates

Car insurance companies don't always advertise every possible discount in a way that's easy to find, so we researched a few of the more well known in addition to some of the lesser obvious credits available to lower your premiums when you buy Santa Ana car insurance online. If they aren't giving you every credit you deserve, you are not getting the best rate possible.Insurance discounts

Policy discounts save money, but many deductions do not apply to the entire cost. Some only apply to the price of certain insurance coverages like medical payments or collision. Just because it seems like it's possible to get free car insurance, it just doesn't work that way. But all discounts should definitely cut your overall bill.

Auto insurance companies who might offer many of the previously listed discounts include:

Before purchasing a policy, check with each company to apply every possible discount. Some discounts may not apply to policies in Santa Ana. To choose insurers with discount rates in Santa Ana, click here.

The companies in the list below have been selected to offer quotes in California. If multiple companies are listed, we recommend you visit as many as you can in order to get a fair rate comparison.

Insurance Rates for Popular Vehicles in Santa Ana
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Malibu Hybrid $1,166 $583 $97
Chevrolet Silverado LS Crew Cab 4WD $1,102 $551 $92
Dodge Ram Crew Cab TRX 2WD $1,904 $952 $159
Ford Escape XLS 2WD $982 $491 $82
Ford F-150 Lariat Crew Cab Platinum 2WD $1,710 $855 $143
Ford Focus SE 4-Dr Sedan $1,364 $682 $114
GMC Sierra SLT Extended Cab 4WD $1,324 $662 $110
Honda Accord LX-P 4-Dr Sedan $1,280 $640 $107
Honda CR-V EX-L 2WD $906 $453 $76
Honda Civic SI 2-Dr Coupe $1,350 $675 $113
Hyundai Elantra GLS 4-Dr Sedan $1,230 $615 $103
Nissan Altima 2.5 S 2-Dr Coupe $1,486 $743 $124
Toyota Camry XLE $1,552 $776 $129
Toyota Corolla S $1,230 $615 $103
Toyota RAV4 Limited 4WD $1,172 $586 $98
Volkswagen Jetta 2.0T 4-Dr Sedan $1,626 $813 $136
Get Your Own Custom Quote Go

Prices based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Rate quotes do not factor in zip code location which can increase or decrease coverage prices considerably.

Males versus Females

The diagram below compares auto insurance costs for male and female drivers in Santa Ana. The data is based on no claims or violations, full physical damage coverage, $100 deductibles, drivers are not married, and no discounts are applied on a Ford Fusion SEL AWD.

Ford Fusion rates are for example purposes only. To get rate quotes for your specific vehicle, click here.

When to get professional advice

Always keep in mind that when comparing insurance from an agent or online, there really isn't a one size fits all plan. Everyone's situation is unique and your policy should reflect that.Higher deductibles save money These are some specific questions might help in determining whether or not you would benefit from professional advice.

If you're not sure about those questions but a few of them apply then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It's fast, doesn't cost anything and can help protect your family.

Auto insurance agents near you

A lot of people just want to sit down and talk to an agent and that is recommended in a lot of cases Most agents can answer important questions and will help you if you have claims. The biggest benefit of comparing insurance prices online is that drivers can save money and get lower rates and also buy local.

After filling out this short form, your insurance data is immediately sent to participating agents in Santa Ana who will give competitive quotes for your coverage. You don't have to drive around since rate quotes are delivered directly to you. If you want to get a price quote from a particular provider, you just need to go to their quote page and complete a quote there.

Finding a good insurer needs to be determined by more than just the price. Any agent in Santa Ana should be willing to answer these questions.

When narrowing the list to find a good Santa Ana insurance agent, there are a couple of different types of agents that you can choose from. Insurance agents in Santa Ana are considered either independent agents or exclusive agents. Both types can sell and service insurance coverage, but it's important to point out how they differ since it may influence your selection of an agent.

Exclusive Agents

These agents can only place business with one company and examples are American Family, State Farm, and AAA. They generally cannot compare rates from other companies so they are skilled at selling on more than just price. Exclusive insurance agents are well trained on their company's products and that allows them to sell at a higher price point. Drivers often choose to use a exclusive agent partially due to the brand and the convenience of having a single billing for all their coverages.

The following are exclusive insurance agents in Santa Ana that are able to give rate quotes.

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Independent Agents

Agents that elect to be independent can quote rates with many companies so as a result can place your coverage with lots of companies enabling the ability to shop coverage around. If they quote lower rates, the business is moved internally and you don't have to switch agencies.

If you are comparing rate quotes, we recommend you get quotes from independent agents to get the best comparison. Most also have access to companies you've never heard of that may provide cheaper insurance rates.

Shown below is a short list of independent insurance agents in Santa Ana willing to provide price quotes.

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Cheaper car insurance premiums are out there

We just showed you many ways to find cheaper coverage online. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding affordable Santa Ana car insurance quotes. Consumers could even find that the best price on car insurance is with a small mutual company. Some small companies can often insure niche markets at a lower cost as compared to the big name companies such as Progressive or GEICO.

Cheap car insurance in Santa Ana is possible on the web as well as from independent agents in Santa Ana, so you should be comparing quotes from both to get a complete price analysis. Some companies may not offer rate quotes online and most of the time these small insurance companies work with independent insurance agents.

As you quote Santa Ana car insurance, make sure you don't buy poor coverage just to save money. There have been many situations where an insured dropped physical damage coverage and discovered at claim time that it was a big error on their part. The goal is to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.

More tips and info about car insurance is available by following these links: