Really, the only way to get discount auto insurance rates in Irvine is to start doing a yearly price comparison from providers who sell insurance in California. You can compare prices by completing these steps.
- Learn about how insurance works and the changes you can make to keep rates down. Many rating criteria that cause high rates such as speeding tickets, accidents and an imperfect credit rating can be improved by making minor changes in your lifestyle. Keep reading for more information to help find cheaper rates and find available discounts that you may qualify for.
- Request price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give rate quotes from a single company like GEICO or State Farm, while independent agents can provide price quotes from multiple companies. View rates
- Compare the new rates to the premium of your current policy to see if a cheaper rate is available. If you can save money and buy the policy, make sure there is no lapse in coverage.
An essential thing to point out is to use identical coverages on every price quote and and to get rates from all possible companies. This enables an accurate price comparison and the best price selection.
Inconceivable but true, a large majority of auto insurance policyholders have stayed with the same insurance company for well over three years, and approximately 40% of consumers have never shopped around. Many consumers in California could save roughly 35% each year, but they assume it’s a waste of time to save money by comparing rate quotes.
If you are insured now, you will be able to save money using the ideas presented in this article. We hope to tell you how to effectively get price quotes and also pocket some savings But California car owners can benefit from knowing the way companies determine how much to charge.
Keep in mind that quoting more helps increase your odds of locating the best price.
The following companies have been selected to offer quotes in Irvine, CA. If multiple companies are listed, we suggest you visit two to three different companies to get the best price comparison.
Data for Cadillac SRX insurance
The coverage table displayed below covers detailed analysis of rate quotes for Cadillac SRX models. Understanding more about how car insurance prices are determined is important for making decisions when shopping around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| SRX 2WD | $186 | $362 | $424 | $26 | $126 | $1,124 | $94 |
| SRX Luxury 2WD | $186 | $418 | $424 | $26 | $126 | $1,180 | $98 |
| SRX Luxury AWD | $186 | $418 | $424 | $26 | $126 | $1,180 | $98 |
| SRX Performance 2WD | $206 | $418 | $424 | $26 | $126 | $1,200 | $100 |
| SRX Performance AWD | $206 | $418 | $424 | $26 | $126 | $1,200 | $100 |
| SRX Premium 2WD | $206 | $418 | $424 | $26 | $126 | $1,200 | $100 |
| SRX Premium AWD | $206 | $418 | $424 | $26 | $126 | $1,200 | $100 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Information does not factor in vehicle garaging location which can change prices significantly.
The illustration below shows how choosing a deductible and can raise or lower Cadillac SRX insurance costs for each different age category. The rate quotes are based on a single male driver, full coverage, and no other discounts are factored in.
Tickets and at-fault accidents raise rates
The diagram below shows how speeding tickets and fender-benders can drive up Cadillac SRX yearly insurance costs for different categories of driver ages. The rate quotes are based on a married female driver, full coverage, $500 deductibles, and no discounts are applied to the premium.
Rate comparison of full coverage and liability-only
The diagram below visualizes the comparison of Cadillac SRX car insurance rates with full coverage compared to only the California minimum liability coverage. The premium estimates are based on no accidents or driving violations, $1,000 deductibles, drivers are not married, and no discounts are taken into consideration.
Are you wasting money on full coverage?
There is no definitive rule of when to eliminate comprehensive and collision coverage on your policy, but there is a general school of thought. If the annual cost of coverage is 10% or more of the replacement cost minus the deductible, then you may need to consider dropping full coverage.
For example, let’s say your Cadillac SRX replacement cost is $5,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, you would only receive $4,000 after the policy deductible has been paid. If premiums are more than $400 a year for physical damage coverage, then you may want to consider only buying liability coverage.
There are some situations where removing full coverage is not a good idea. If you haven’t paid off your loan, you are required to maintain full coverage in order to keep the loan. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should keep full coverage in place.
What insurance coverages do I need?
When quoting and comparing a policy, there really is not a “perfect” insurance plan. Everyone’s situation is unique so this has to be addressed.
Here are some questions about coverages that may help highlight whether your personal situation might need professional guidance.
- Do I have coverage when using my vehicle for my home business?
- How high should my medical payments coverage be?
- Should I have a commercial auto policy?
- Do I need special endorsements for business use of my vehicle?
- Should I buy only the required California minimum liability coverage?
- Is pet coverage available?
- Are my friends covered when driving my car?
- Does having multiple vehicles earn me a discount?
If you can’t answer these questions but a few of them apply, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies.
Local Irvine insurance agencies and auto insurance
Many people still like to buy from a licensed agent and doing so can bring peace of mind An additional benefit of getting online price quotes is that you can obtain cheap auto insurance quotes and still have a local agent. Buying from and supporting neighborhood insurance agencies is important especially in Irvine.
Once you complete this short form, the coverage information is immediately sent to participating agents in Irvine that provide free Irvine auto insurance quotes to get your business. You won’t even need to find an agent on your own since price quotes are sent directly to you. It’s the lowest rates AND a local agent. If you want to compare prices from one company in particular, feel free to navigate to their website to submit a rate quote request.
When finding a local agent, you must know there are a couple different agency structures and how they can quote your rates. Auto insurance agents can either be independent (non-exclusive) or exclusive.
Independent Insurance Agents
Agents in the independent channel are not employed by one company so as a result can place your coverage through many different auto insurance companies and potentially find a lower price. If your premiums go up, they simply move your policy to a different company and the insured can keep the same agent. If you are comparing rate quotes, you need to get several quotes from a few independent agents to ensure the widest selection of prices. Many write coverage with smaller mutual companies which may provide better rates.
Shown below is a small list of independent agents in Irvine that can give you rate quotes.
- AIS | Auto Insurance Specialists | Irvine
16969 Von Karman Ave #100 – Irvine, CA 92606 – (949) 660-7061 – View Map - Wells Fargo Insurance Services: Harper James
2030 Main St #700 – Irvine, CA 92614 – (949) 358-6100 – View Map - Church and Casualty Insurance
3440 Irvine Ave # 150 – Newport Beach, CA 92660 – (949) 852-8558 – View Map
Exclusive Auto Insurance Agents
Agents that elect to be exclusive can only provide one company’s prices and some examples include Allstate, Farmers Insurance, State Farm, and AAA. They are unable to compare other company’s rates so you need to shop around if the rates are high. These agents are highly trained on their products and sales techniques which helps offset the inability to provide other markets. A lot of people use the same exclusive agent primarily because of loyalty to the company instead of buying on price only.
Shown below are exclusive insurance agents in Irvine willing to provide comparison quotes.
- Ray Vermeulen – State Farm Insurance Agent
2151 Michelson Dr #242 – Irvine, CA 92612 – (949) 752-6335 – View Map - Sharon Leung – State Farm Insurance Agent
18004 Sky Park Cir #250 – Irvine, CA 92614 – (949) 252-0900 – View Map - Mike McCain – State Farm Insurance Agent
1442 Irvine Blvd #204 – Tustin, CA 92780 – (714) 734-8300 – View Map
Picking an auto insurance agent shouldn’t rely on just the bottom line cost. Get answers to these questions too.
- Do they have cheaper tiers of coverage?
- What insurance companies do they recommend if they are an independent agent?
- Does the agency have a positive business rating?
- Does the agent have a valid license to sell insurance in California?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Is vehicle damage repaired with OEM or aftermarket parts?
Upon getting positive responses to any questions you may have and a low price estimate, you’ve probably found an insurance agent that can be trusted to properly service your auto insurance policy.
Irvine auto insurance companies
Buying coverage from the best car insurance provider can be a challenge considering how many choices drivers have in Irvine. The company rank data in the next section can help you analyze which providers to look at when comparing rate quotes.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies