Do you want to learn how to find more competitive insurance rates in Sacramento, CA? Locating the cheapest insurance for a car in California can normally be a painful process, but you can follow a few tricks to save time.

There is a right way and a wrong way to buy insurance so you're going to learn the proper way to price shop coverage for a new or used and get the cheapest rates.

Smart consumers take time to price shop coverage before your policy renews because insurance prices are adjusted regularly by insurance companies. Despite the fact that you may have had the lowest rate on insurance on your last policy other companies may now be cheaper. Block out anything you think you know about insurance because we're going to show you the fastest way to lower your annual insurance bill.

If you're already insured or just want cheaper rates, you can use these tips to save money while maintaining coverages. Quoting and buying the lowest cost insurance policy in Sacramento is not as difficult as people think. Consumers only need to know the quickest way to compare prices online.

Finding more affordable Sacramento car insurance rates is not rocket science. The only requirement is to invest a little time to compare rate quotes from different insurance companies.

The companies in the list below are ready to provide price comparisons in Sacramento, CA. To find cheap car insurance in CA, we suggest you get prices from several of them to find the most competitive car insurance rates.

Insurance Rates for Popular Vehicles in Sacramento
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LS Regular Cab 2WD $1,348 $674 $112
Dodge Ram Crew Cab TRX 4WD $1,220 $610 $102
Ford Edge Limited 2WD $1,716 $858 $143
Ford Escape XLS 2WD $1,322 $661 $110
Ford F-150 XL Regular Cab 2WD $1,596 $798 $133
Ford Focus SES 4-Dr Sedan $1,750 $875 $146
Honda Accord EX-L 2-Dr Coupe $1,344 $672 $112
Honda CR-V EX-L 2WD $1,360 $680 $113
Honda Civic SI 4-Dr Sedan $1,450 $725 $121
Hyundai Elantra SE Touring Station Wagon $1,228 $614 $102
Jeep Wrangler Unlimited Sahara 4WD 4-Dr $1,786 $893 $149
Mazda 3 I Touring 4-Dr Sedan $1,664 $832 $139
Nissan Altima 3.5 SR 2-Dr Coupe $1,452 $726 $121
Toyota Camry XLE $1,280 $640 $107
Toyota Corolla XRS $1,324 $662 $110
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Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Premium costs do not factor in Sacramento location which can revise rates greatly.

Higher deductibles save money

When buying car insurance, a common question is how high or low should comp and collision deductibles be. The following tables can help you understand the differences in premium rates of buying low and high deductibles. The first rate quote example uses a $100 deductible for physical damage and the second set of prices uses a $1,000 deductible.

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

Ford Focus insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $332 $686 $442 $26 $132 $1,643 $137
Focus SE 4-Dr Sedan $332 $686 $442 $26 $132 $1,643 $137
Focus SEL 4-Dr Sedan $332 $810 $442 $26 $132 $1,767 $147
Focus SES 4-Dr Sedan $332 $810 $442 $26 $132 $1,767 $147
Focus SE 2-Dr Coupe $380 $810 $500 $30 $150 $1,895 $158
Focus SES 2-Dr Coupe $380 $810 $500 $30 $150 $1,895 $158
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Ford Focus insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $184 $362 $442 $26 $132 $1,146 $96
Focus SE 4-Dr Sedan $184 $362 $442 $26 $132 $1,146 $96
Focus SEL 4-Dr Sedan $184 $426 $442 $26 $132 $1,210 $101
Focus SES 4-Dr Sedan $184 $426 $442 $26 $132 $1,210 $101
Focus SE 2-Dr Coupe $210 $426 $500 $30 $150 $1,316 $110
Focus SES 2-Dr Coupe $210 $426 $500 $30 $150 $1,316 $110
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Table data does not factor in vehicle location which can affect premiums noticeably.

Using the premium rates above, we can conclude that using a $100 deductible could cost the average driver approximately $45 more each month or $540 annually than buying the higher $1,000 deductible. Since you would have to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you usually have at least 20 months between claim filings, you would probably be better off by selecting a higher deductible.

Comparison of car insurance rates by gender and age

The example below illustrates the difference between insurance prices for male and female drivers in Sacramento. The rates are based on no claims or driving violations, full coverage, $500 deductibles, marital status is single, and no discounts are applied on a Ford Fusion Sport.

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

Ten discounts for cheaper auto insurance quotes

Some insurance providers don't always list all possible discounts in a way that's easy to find, so the next list breaks down some of the best known and also the more inconspicuous discounts you could be receiving when you buy Sacramento auto insurance online. If you aren't receiving every discount you qualify for, you are just wasting money.Discount auto insurance

Discounts save money, but please remember that most discount credits are not given to the entire cost. Most only apply to the cost of specific coverages such as liability and collision coverage. Just because you may think it's possible to get free car insurance, it doesn't quite work that way.

Some of the larger companies who might offer most of the discounts above possibly include:

If you are trying to find inexpensive Sacramento auto insurance quotes, ask each insurance company which discounts can lower your rates. Savings might not be offered on policies in Sacramento. If you would like to view providers that offer multiple discounts in Sacramento, click here to view.

Are car insurance agents obsolete?

Many drivers prefer to have an agent's advice and that is recommended in a lot of cases Insurance agents are trained risk managers and help you file claims. One of the great benefits of getting free rate quotes online is the fact that you can find the lowest rates and still buy from a local agent. And buying from local agents is definitely important in Sacramento.

Sacramento insurance agentsTo help locate an agent, after submitting this form (opens in new window), the coverage information gets sent to local insurance agents in Sacramento who will return price quotes for your coverage. You won't need to find an agent due to the fact that quote results will go to you. If you need to get a comparison quote for a specific company, you would need to find their quoting web page and complete a quote there.

Is an exclusive or independent auto insurance agent right for you?

If you are wanting to find local Sacramento agents, it's important to understand the types of agencies that you can select. Agents in Sacramento may be either independent (non-exclusive) or exclusive. Either can sell car insurance policies, but it is a good idea to know why they differ since it can impact your agent selection.

Independent Car Insurance Agencies

Independent insurance agents do not write with just one company and that gives them the ability to insure with an assortment of companies and find you cheaper rates. If your agent finds better pricing, your agent can just switch to a different company and you don't have to do anything.

When comparing car insurance prices, we highly recommend that you get insurance quotes from at a minimum one independent agency to get the best comparison. Most also write with mutual insurance companies which may have better rates.

Shown below are Sacramento independent insurance agents that can possibly get you price quote information.

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Exclusive Insurance Agencies

Agents of this type can only provide one company's prices such as Farmers Insurance, State Farm, Allstate, and AAA. These agents are unable to provide rate quotes from other companies so they have to upsell other benefits. Exclusive agents are trained well on their company's products and that allows them to sell at a higher price point. A lot of people choose to use an exclusive agent mainly due to loyalty to the company and the convenience of having all coverages with one company.

Shown below are Sacramento exclusive insurance agents that are able to give comparison quotes.

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Picking the best car insurance agent requires more thought than just the price. These are valid questions to ask:

Your situation helps dictate your coverage

When quoting and choosing proper insurance coverage for your vehicles, there really is no best way to insure your cars. Every insured's situation is different.Safe vehicles cost less to insure

For example, these questions might help in determining if your situation will benefit from professional help.

If it's difficult to answer those questions, you may need to chat with a licensed insurance agent. If you don't have a local agent, complete this form. It's fast, free and can help protect your family.

Insurance protects more than just your car

Even though rates can get expensive, insuring your vehicle is mandatory in California but it also protects more than you think.

First, the majority of states have minimum liability requirements which means the state requires a specific level of liability protection if you don't want to risk a ticket. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if you have a loan on your vehicle, it's most likely the lender will require that you have insurance to ensure they get paid if you total the vehicle. If you let the policy lapse, the bank or lender will purchase a policy for your vehicle at an extremely high rate and require you to reimburse them for it.

Third, insurance safeguards both your assets and your vehicle. Insurance will pay for hospital and medical expenses for not only you but also any passengers injured in an accident. One of the most valuable coverages, liability insurance, also pays expenses related to your legal defense if someone files suit against you as the result of an accident. If your vehicle gets damaged, comprehensive (other-than-collision) and collision coverage will pay to have it repaired.

The benefits of insuring your car definitely exceed the price paid, especially when you need to use it. According to a 2015 survey, the average American driver is overpaying more than $700 annually so compare quotes from several companies at every renewal to help ensure money is not being wasted.

What insurance coverages do you need?

Understanding the coverages of your policy can help you determine which coverages you need at the best deductibles and correct limits. Insurance terms can be ambiguous and nobody wants to actually read their policy.

Comprehensive insurance

Comprehensive insurance covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like vandalism, hitting a bird and rock chips in glass. The highest amount you'll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

Comprehensive Claims by Vehicle Model
Lowest Claim Frequency Highest Claim Frequency
Smart ForTwo Bentley Continental GT
Nissan Leaf Audi S7
Ford F-350 Bentley Continental GTC
Nissan Xterra Maserati Granturismo
Infiniti QX50 Maserati Quattroporte
Chevy Silverado 2500 Mercedes-Benz S Class

Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses such as funeral costs, nursing services, EMT expenses, pain medications and X-ray expenses. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as being hit by a car walking across the street. Personal Injury Protection is not available in all states and may carry a deductible

Medical Payment Insurance Claims by Vehicle Make and Model
Lowest Claim Frequency Highest Claim Frequency
Ford Expedition Mitsubishi Mirage
Tesla Model S Chrysler 200
Ford F-250 SuperCrew Kia Forte
Audi A4 Allroad Nissan Versa
Ford F-350 SuperCrew Nissan Sentra
Chevrolet Silverado 2500 Mitsubishi Lancer

Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and damage to your vehicle.

Since many California drivers have only the minimum liability required by law (which is 15/30/5), their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Usually the UM/UIM limits do not exceed the liability coverage limits.

Collision coverage

Collision coverage covers damage to your vehicle resulting from a collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims like sustaining damage from a pot hole, rolling your car, crashing into a building and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to choose a higher deductible to bring the cost down.

Lowest and Highest Collision Insurance Claims by Manufacturer Model
Lowest Claim Frequency Highest Claim Frequency
Nissan Xterra Bently Continental GT
GMC Canyon BMW 6 Series
Mini Cooper Nissan GT-R
Chevrolet Colorado Ferrari 458
Smart ForTwo Maserati Granturismo
Jeep Wrangler Bentley Continental Flying Spur

Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Liability auto insurance

This protects you from injuries or damage you cause to a person or their property that is your fault. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 15/30/5 that means you have $15,000 in coverage for each person's injuries, $30,000 for the entire accident, and a limit of $5,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims like medical expenses, loss of income, attorney fees, repair costs for stationary objects and structural damage. The amount of liability coverage you purchase is a personal decision, but buy higher limits if possible. California state minimum liability requirements are 15/30/5 but you should consider buying more liability than the minimum.

Manufacturer Models with the Lowest and Highest Bodily Injury Liability Claims
Lowest Claim Frequency Highest Claim Frequency
Subaru Outback Chevrolet Cruze
Volvo XC60 Mitsubishi Mirage
Subaru Forester Chevrolet Sonic
Audi A6 Chevrolet Impala
Fiat 500 Dodge Charger
Mercedes-Benz SL Class Mitsubishi Lancer

Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Don't give up on cheap coverage

People leave their current company for many reasons like poor customer service, denial of a claim, questionable increases in premium or even high prices. No matter why you want to switch, finding a new company can be less work than you think.

When shopping online for auto insurance, it's very important that you do not buy lower coverage limits just to save a few bucks. In many instances, an insured dropped full coverage to discover at claim time that the small savings ended up costing them much more. The proper strategy is to buy the best coverage you can find for the lowest price, but do not sacrifice coverage to save money.

Throughout this article, we presented many tips how you can save on auto insurance in Sacramento. It's most important to understand that the more you quote Sacramento auto insurance, the better your comparison will be. You may even discover the lowest prices come from some of the smallest insurance companies.

Additional detailed information is located in these articles: