CHEAP CAR INSURANCE IN CALIFORNIA

Cheap Santa Ana Auto Insurance

Cheap Car Insurance in Santa Ana





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Are you paying more than necessary for car insurance in Santa Ana?

Unless you have recent quotes from various companies, chances are you could be paying more than you need to for your coverage.

Put your zip code in the box above, and get started on the quotes you'll need to determine if you could be saving money on auto insurance in Santa Ana.




What Is Auto Insurance?


Insurance is a way to help pay for certain kinds of obligations and/or financial losses that come through owning or using a motor vehicle. It is technically a contract for which you pay an amount of money to obtain coverage.

The amount of money you pay is called a premium. It is paid to the insurance company that agrees to provide your automobile's coverage. In exchange for you paying the premium, the company obligates itself to pay certain amounts of money for detailed expenses and/or legal liabilities in your behalf, based on the specific terms of your insurance policy.

If you should be involved in an automobile accident, having proper and adequate insurance coverage can help you avoid a huge financial loss.




CA Minimum Car Insurance Requirements


The law in California requires that certain minimum coverage amounts of liability insurance be carried on all private passenger vehicles in the state. Liability insurance will help pay another person for damages or injury that is inflicted on them or their property in an auto accident. It does not cover damages or injury to the policyholder himself.

Required amounts of liability coverage in California are:

- $15,000 for injury/death to any 1 person

- $30,000 for injury/death to more than 1 person in an accident

- $5,000 for damage to another person's property

If you cannot afford liability insurance, you could potentially be eligible for the California Low Cost Automobile Insurance Program. You can find further information by calling 1-800-602-8861.





Do Points Affect Auto Insurance Premiums?


Moving violations like making unsafe lane changes, running red lights or stop signs, making illegal U-turns, and speeding will cause points to be added to your record. There can be serious consequences for points.

A Class C driver's license in California can be revoked or suspended if a driver has 4 or more points on their record in 12 months; or 6 points in 24 months; or 8 points in 36 months.

A minor who is under age 18 can be given a 30-day restriction for getting 2 points in
12 months.
That minor's driver's license can be suspended for getting 3 points in 12 months.


Each insurance company periodically reviews drivers' records. Any driver's premium may be increased if that driver gets a
certain number of points.






Low Cost Insurance for Qualified Persons


There is a low cost automobile insurance program in the state of California for certain individuals who qualify. It allows them to buy reduced limit, low cost liability insurance coverage. It is called the California Low Cost Automobile Insurance Program, or CLCAIP.

This is a pilot program that helps qualified persons meet the requirement of the financial responsibility laws in California. These types of policies are available in the counties of Los Angeles and San Francisco for those individuals who qualify.

These are the criteria: Vehicle Purchase Value, Driving Record (violations and accidents,) and Household Income.

The program is administered by the California Automobile Assigned Risk Plan.




Good Driver Discounts


Proposition 103 was made law in November, 1988. It grants certain consumer protections that relate to buying and maintaining vehicle insurance. One of the provisions of Prop. 103 declares a legal definition for the term "Good Driver."

A Good Driver is anybody who has had a driver's license for at least 3 years in a row, but doesn't have more than 1 point on their driving record. There are some major violations that can stay for a period of 7 years. That would include, for example, Driving Under the Influence (DUI.)

It is required for every auto insurance company, who is licensed in California, to offer Good Driver coverage. They cannot refuse coverage to anyone who qualifies as a Good Driver. Rates for a Good Driver are required to be at least 20% lower than other rates at that company.




We trust that you have benefited from the information you have found here on our site.

As a wise consumer, you should get as much information as you can about auto insurance, so you can make the best decision
concerning your coverage.

Use the resource we have provided for you here...
Enter your zip code in the box above to get the quotes you are going to need. Then you can purchase the policy that's right for you!




Auto Insurance Agents In Santa Ana:
FREEWAY INSURANCE
798 S. Harbor Blvd
Santa Ana, CA 92704
714-439-3488

HECTOR GONZALEZ
1327 N Main St
Santa Ana, CA 92701
714-486-6163

SARINYA SAKSUDHIYAKOM
3621 S Harbor Blvd
Santa Ana, CA 92704
626-292-7987

JOSE GASTELUM
2413 S Fairview St
Santa Ana, CA 92704
714-557-3344

FIRST AMERICAN
2 First American Way
Santa Ana, CA 92707
714-250-3000

AMWINS BROKERAGE
1551 N Tustin Ave
Santa Ana, CA 92705
714-541-7140

KOSMOS INSURANCE
1913 E 17th St
Santa Ana, CA 92705
714-972-0950

PERFORMANCE PLUS
638 S Harbor Blvd
Santa Ana, CA 92704
714-775-2300

EDDIE QUILLARES
415 N. Broadway
Santa Ana, CA 92701
562-787-1799

AMMAR INSURANCE
726 S. Main st
Santa Ana, CA 92701
714-648-0800

MIKE DALATI
726 S Main St
Santa Ana, CA 92701
714-547-2400

ASR INSURANCE
1111 N Brodway
Santa Ana, CA 92701
714-617-5282

EILEEN FERRUFINO
1418 N Main St
Santa Ana, CA 92701
714-225-4444

JESUS PACHECO
828 N Bristol St
Santa Ana, CA 92703
714-542-3585

UNIVERSAL INSURANCE
1208 E McFadden Ave
Santa Ana, CA 92705
714-836-4753

SOUTHERN INSURANCE
1203 E 17th St
Santa Ana, CA 92701
714-647-9647

INSURANCEFIRST
2112 N. Main Street
Santa Ana, CA 92706
714-602-4277

ROBERT SORENSEN
1535 E 17th St
Santa Ana, CA 92705
714-832-4753

SANDY HOCKING
1801 Park Court Pl
Santa Ana, CA 92701
714-973-9100

AMITY WEST
1621 E 17th St
Santa Ana, CA 92705
714-835-7556










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