No one looks forward to buying car insurance, particularly when their premiums are too high.
There are many auto insurance companies to buy insurance from, and although it’s a good thing to have a selection, it makes it harder to find the lowest rates.
Choosing the best insurance company for you in Santa Ana is quite easy. Just about everyone who shops for car insurance will most likely be able to lower their premiums. Nevertheless, California consumers do need to understand the way insurance companies sell online and use this information to your advantage.
The are a couple different ways of comparing rates and find the best price. The simplest method to find the lowest rates consists of shopping online. This can be accomplished in a couple of different ways.
The fastest way to compare a lot of rates at once is an all-inclusive rate comparison (click to open form in new window). This type of form prevents you from having to do repetitive form entry to each individual car insurance company. One quote request compares rates instantly.
A different way to analyze rates is spending the time to visit each company’s website to complete a price quote. For instance, let’s say you want to compare Nationwide, Esurance and GEICO. To get each rate you have to visit each site and enter your information, which is why the first method is more popular.
For a list of links to insurance companies in Santa Ana, click here.
The least efficient way to compare rates is driving to insurance agents’ offices. The internet has reduced the need for local agents unless you want the professional guidance of a licensed agent. Drivers can obtain prices from the web but buy from a local insurance agent and you’ll learn how to do that later.
It doesn’t matter which method you choose, just be sure to compare apples-to-apples coverage limits and deductibles with each company. If you have different deductibles you will not be able to decipher which rate is best in Santa Ana. Just a small difference in insurance coverages may result in large price differences. And when comparison shopping, quoting more will enable you to find better pricing.
State Farm, Allstate and GEICO constantly bombard you with ads on TV and radio. All the companies make the same claim about savings if you switch your policy. How do they all say the same thing? This is how they do it.
Insurance companies can use profiling for the right customer that earns them a profit. For example, a preferred risk might be profiled as between 30 and 50, owns a home, and drives newer vehicles. Any driver that hits that “sweet spot” is entitled to the best price and is almost guaranteed to cut their rates substantially.
Potential insureds who are not a match for the “perfect” profile will be charged a higher premium and this can result in business going elsewhere. Company advertisements say “customers who switch” not “people who quote” save that much money. That’s why companies can advertise the way they do. That is why drivers should quote coverage with many companies. It is impossible to predict which car insurance company will have the lowest rates.
An important part of buying insurance is that you know the factors that help determine your car insurance rates. Understanding what controls the rates you pay empowers consumers to make smart changes that can help you get much lower annual insurance costs.
Car insurance companies don’t always list every discount very well, so the following is a list of some of the best known as well as the least known savings tricks you should be using.
It’s important to understand that many deductions do not apply to the entire policy premium. Some only apply to the price of certain insurance coverages like liability and collision coverage. So even though it sounds like it’s possible to get free car insurance, it just doesn’t work that way.
To see a list of insurers who offer car insurance discounts in Santa Ana, click this link.
Some people just want to buy from a local agent. The best thing about getting online price quotes is the fact that you can find lower rates and still choose a local agent.
For easy comparison, once you complete this short form, your information is transmitted to local insurance agents who will give you bids for your insurance coverage. You never need to leave your computer because quoted prices will be sent to your email. How cool is that?! You’ll get the best rates and work with a local agent.
Deciding on an insurer shouldn’t rely on just the price. Some important questions to ask are:
When researching local Santa Ana agents, you must know there are a couple types of agencies that you can select. Agencies in Santa Ana are classified as either independent or captive.
Captive agents write business for a single company like Farmers Insurance, American Family, State Farm and Allstate. They generally cannot place coverage with different providers so they are skilled at selling on more than just price. They receive extensive training on their products and sales techniques which helps them sell insurance even at higher premiums.
Below is a short list of captive insurance agencies in Santa Ana who can help you get comparison quotes.
Allstate Insurance – 828 N Bristol St # 201 – Santa Ana, CA 92703 – (714) 542-3585
Farmers Insurance Group – 2134 N Tustin Ave – Santa Ana, CA 92705 – (714) 285-1234
Independent insurance agents are not employed by any specific company but instead can place your coverage with lots of companies and potentially find a lower price. If you are not satisfied with one company, the agent simply finds a different carrier without you having to go to a different agency. When searching for an agent, it’s recommended you get quotes from several independent insurance agents for the best price selection.
The following are independent agencies in Santa Ana willing to provide price quote information.
Felix Insurance – 1333 E 1st St – Santa Ana, CA 92701 – (714) 285-9990
Chriside Insurance and Travel – 940 N Harbor Blvd – Santa Ana, CA 92703 – (714) 210-1900
To view a full list of insurance agents in Santa Ana, visit this site.
After receiving answers to your satisfaction to your questions in addition to an acceptable price estimate, chances are good that you have found an insurance agency that can service your policy.
In this article, we presented many tips how you can lower your car insurance rates. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. You may even discover the best prices are with some of the smallest insurance companies. These companies often have lower prices on specific markets than their larger competitors like Allstate, GEICO and Progressive.
While you’re price shopping online, don’t be tempted to skimp on critical coverages to save a buck or two. There are a lot of situations where someone dropped full coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your goal should be to find the BEST coverage for the lowest price, not the least amount of coverage.
More detailed California car insurance information can be found at the California Department of Insurance website. California drivers can read enforcement actions against agents and companies, download brochures, and read industry bulletins.