Best Pricing for Santa Ana Auto Insurance Agencies

Comparing auto insurance rates in Santa Ana can be a lot of work since you have many choices and selecting the best Santa Ana auto insurance agent for your needs is more difficult than just picking up the phone. For the sake of this article, we’ll assume you’re looking for a great agent that can assess your needs, but you also need great rates as well.

With companies like Farmers, Allstate, and independent agents all competing for your business, it’s hard to tell which provider will provide you with the cheapest rates and the best coverage. To begin, it’s easy to use insurance quotes online to get a list of agents and thier coverage prices.

Your local neighborhood insurance agent

Professional agents can point out coverage gaps and give you someone to call. The best thing about price shopping on the web is the fact that you can find the best rates but still work with a licensed agent. And providing support for local businesses is especially important in Santa Ana.

To help locate an agent, after submitting this simple form, your insurance data is emailed to local insurance agents in Santa Ana who will return price quotes to get your business. There is no need to drive around since price quotes are sent straight to your inbox. It doesn’t get any easier! Get lower rates AND an agent nearby.

Two types of car insurance agents

When finding a good Santa Ana insurance agent, there are a couple of types of insurance agents from which to choose. Santa Ana agents are classified as either independent (non-captive) or captive.

Independent Agents

These agents are not employed by any specific company but instead can place your coverage amongst many companies depending on which coverage is best. If you are not satisfied with one company, an independent agent can move your coverage and you don’t have to find a new agent.

When comparison shopping, you should always get quotes from at a minimum one independent agency to have the most options to choose from.

Below are Santa Ana independent insurance agents that can give you comparison quotes.

Crea Insurance – 1237 S Main St – Santa Ana, CA 92707 – (714) 245-4408
Alico Insurance Svc – 1442 S Bristol St # 2e – Santa Ana, CA 92704 – (714) 444-3600

Agency Captives

Captive agents have only one company to place business with such as American Family, State Farm and Allstate. They usually cannot provide prices from multiple companies so it’s a take it or leave it situation. Captives receive extensive training on their products and sales techniques which can be an advantage.

Listed below is a list of captive insurance agents in Santa Ana willing to provide comparison quotes.

Farmers Insurance Group – 2441 N Tustin Ave # E – Santa Ana, CA 92705 – (714) 550-1100
Allstate Insurance – 301 W 2nd St – Santa Ana, CA 92701 – (714) 568-1360

To view a full list of auto insurance agents in Santa Ana, simply jump to this page.

Choosing an auto insurance agent shouldn’t rely on just the price. Any agent should have no problem answering these questions:

  • Do they receive special compensation for putting your coverage with one company over another?
  • Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
  • Is the agency involved in supporting local community causes?
  • Do the coverages you’re quoting properly cover your vehicle?
  • What will you get paid if your car is a total loss? How is that amount determined?
  • How long have they worked with personal auto insurance coverage?

After receiving answers to your satisfaction to your questions and an affordable coverage quote, you’ve probably found an insurance agent that is a good match to properly insure your vehicles.

But what about Progressive, GEICO and other online companies?

Insurance agents can be invaluable at times, but you also have the option of buying direct over the internet. A few companies like Allstate and State Farm who have local Santa Ana agents additionally provide the ability to get quotes and purchase online, and online price comparisons are easy if you prefer to buy online.

If you’re anxious about selecting your own policy coverages when buying direct, that is quite common when buying online the first time. Insurance companies all have client service departments for customer questions. You can also use live help and 24/7 access that you can use before buying.

Is it cheaper to buy online? It’s difficult to provide an answer because there are many factors which can raise or lower premium rates. It would make sense to think that a consumer who buys direct lowers rates due to not having any agent compensation. But in reality, advertising and marketing take a lot of money so there may not be significant savings.

When shopping for low rates, the only way to find out who has the best rates, online companies or local insurance agents, is comparing rate quotes from both. Lots of times people will get different prices from online quotes as compared to agent rates from exactly the same company.

More California auto insurance resources

Much more information about auto insurance in California is available on the website for the California Department of Insurance found here. Consumers can discover disciplinary actions, download brochures, and file complaints about a company.

Car insurance in Santa Ana

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One last thing

Consumers who switch companies do it for a variety of reasons including not issuing a premium refund, high prices, denial of a claim and even being labeled a high risk driver. No matter why you want to switch, finding a new company is pretty simple and you could end up saving a buck or two.

When trying to cut insurance costs, it’s not a good idea to buy less coverage just to save a little money. Too many times, an accident victim reduced physical damage coverage only to regret at claim time they didn’t purchase enough coverage. Your goal should be to get the best coverage possible for the lowest price.