What Auto Insurance is Cheapest for Real Estate Agents in Sacramento?

The words “bargain” and “auto insurance” really shouldn’t be used in the same sentence, specifically when trying to find the lowest insurance prices for real estate agents. Because it’s so expensive, let’s introduce you to some things the can have a considerable influence on car insurance premiums, and see how we can help you take a little off the next policy you buy.

For realtors, one of the big considerations that are looked at to determine the price you pay for insurance is where you keep your vehicle in Sacramento. Cities with larger populations or higher claim trends will most likely have higher rates, whereas more rural areas have the benefit of cheaper car insurance.

The next table ranks the most expensive cities in California for real estate agents to purchase a policy in. Sacramento is listed at #5 with the yearly price of $1,703 for car insurance, which is approximately $142 each month.

How much is car insurance in Sacramento?
Rank City Premium Per Year
1 Los Angeles $2,168
2 Glendale $2,058
3 Oakland $1,738
4 San Francisco $1,711
5 Sacramento $1,703
6 San Bernardino $1,596
7 Santa Clarita $1,580
8 Long Beach $1,562
9 Riverside $1,542
10 Stockton $1,541
11 Fontana $1,535
12 Garden Grove $1,508
13 Moreno Valley $1,506
14 Modesto $1,502
15 Santa Ana $1,497
16 Fresno $1,472
17 Anaheim $1,444
18 San Jose $1,423
19 Irvine $1,384
20 Bakersfield $1,381
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Rate information is comparative as the specific Sacramento residence address can raise or lower auto insurance rates greatly.

The car, truck, or SUV you are seeking coverage for is probably the biggest factor that determines if you can find low-cost insurance for real estate agents. Vehicles with higher performance, poor safety features, or an increased likelihood of liability claims will cost much more to insure than more modest models.

The next table estimates insurance rates for some of the most economical vehicles to insure.

Cheapest Vehicles to Insure in Sacramento, CA
Vehicle Insured Estimated Cost for Full Coverage
Honda CR-V EX 4WD $1,211
Honda Odyssey LX $1,302
Toyota Prius $1,312
Ford Escape XLS 2WD $1,357
Ford Focus S 4-Dr Sedan $1,376
Toyota RAV4 Limited 2WD $1,404
Chevrolet Impala LTZ $1,475
Jeep Grand Cherokee Limited 2WD $1,502
Chevrolet Equinox LTZ AWD $1,508
Honda Civic Hybrid 4-Dr Sedan $1,502
GMC Sierra 2500HD SLT Extended Cab 4WD $1,577
Chevrolet Silverado Crew Cab Hybrid 2WD $1,584
GMC Sierra Denali Crew Cab 2WD $1,604
Nissan Altima 2.5 4-Dr Sedan $1,606
Jeep Wrangler Unlimited Sport 2WD 4-Dr $1,633
Toyota Tacoma Double Cab 4WD $1,636
Ford Edge Limited AWD $1,690
Chevrolet Malibu Hybrid $1,717
Volkswagen Jetta S 4-Dr Sedan $1,726
Chevrolet Silverado 2500HD LT Crew Cab 4WD $1,720
Nissan Rogue S 2WD $1,725
Dodge Ram 2500 Mega Cab Laramie 4WD $1,735
Ford Explorer Limited 4WD $1,752
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Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Premium costs do not factor in garaging location in Sacramento, CA which can change rates substantially.

Based upon the rates shown, models like the Honda CR-V, Honda Odyssey, Toyota Prius, and Ford Escape will definitely be a few of the more affordable vehicles to insure for realtors.

Finding reasonably-priced insurance is hard enough, and finding out which companies offer the best insurance rates for real estate agents involves even more perseverance. Each insurance company has a proprietary method to establish rates, so first we will examine the most budget-friendly insurance companies in Sacramento.

Best Insurance Companies for Realtors

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California auto insurance company rankings
Rank Company Cost Per Year
1 USAA $1,143
2 Century National $1,178
3 Wawanesa $1,192
4 Nationwide $1,213
5 CSAA $1,222
6 21st Century $1,338
7 Grange $1,477
8 Progressive $1,512
9 Mercury $1,533
10 Allstate $1,559
11 GEICO $1,575
12 Allied $1,603
13 MetLife $1,606
14 The Hartford $1,623
15 State Farm $1,682
16 Unitrin $1,733
17 Esurance $1,756
18 Bristol West $1,777
19 Travelers $1,860
20 Farmers $2,006
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USAA normally has some of the lowest car insurance rates in Sacramento at around $1,143 each year. Century National, Wawanesa, Nationwide, and CSAA are also some of the best Sacramento, CA insurance companies.

In the above example, if you are currently insured with Nationwide and switched to Century National, you could realize an annual premium reduction of about $35. Customers with CSAA may save as much as $44 a year, and 21st Century policyholders might reduce prices by as much as $160 a year.

Bear in mind that those rates are averaged across all types of insureds and vehicles and do not factor in a vehicle location for real estate agents. So the auto insurance company that is best for you may not even be in the list above. That affirms the importance of why you need to quote rates from as many companies as possible using your own driver and vehicle profiles.

Selecting the right insurer can be difficult considering how many choices drivers have in Sacramento. The company information displayed below can help you decide which providers you want to consider purchasing coverage from.

The rankings below include the largest companies in America, so companies with more of a regional focus are not factored into these rankings. To check prices from these top-rated insurers and more, click this link.

Top 10 Large Car Insurance Companies in Sacramento Ranked by Customer Satisfaction

  1. Titan Insurance – 95%
  2. USAA – 94%
  3. AAA of Southern California – 92%
  4. AAA Insurance – 91%
  5. Nationwide – 90%
  6. State Farm – 90%
  7. The Hartford – 89%
  8. GEICO – 89%
  9. The General – 88%
  10. 21st Century – 88%

The chart below shows how choosing a deductible can raise or lower annual premium costs when quoting cheap insurance for real estate agents. The information is based on a married male driver, comp and collision included, and no additional discounts are factored in.

In the chart above, a 40-year-old driver could save $370 a year by increasing from a $100 deductible up to a $500 deductible, or save $556 by choosing a $1,000 deductible. Youthful drivers, such as the Age 20 example, can save up to $1,230 every year just by using higher deductibles. When insureds make the decision to increase the deductibles on their policy, it is a good idea to have enough spare savings to enable you to pay the extra out-of-pocket expense, which is the one shortcoming of high deductibles.

Careless driving habits raise insurance rates

In a perfect world, the best way to snag low insurance prices for realtors is to drive carefully and avoid accidents and violations. The diagram below demonstrates how speeding tickets and at-fault claims drive up insurance costs for different age groups of insureds. The information is based on a married male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are taken into consideration.

The data in the chart shows the average cost of auto insurance in Sacramento per year with no accidents and a clean driving record is $2,882. Add in one speeding ticket and the average cost hikes up to $3,312, an increase of $430 each year. Now add one accident along with the one speeding ticket and the 12-month cost of insurance for real estate agents increases to an average of $4,540. That’s an increase of $1,658, or $138 per month, just for not maintaining a clean driving record!

The importance of shopping around

Sacramento, CA insurance rates are based on many factors which can substantially change the cost of a policy. Getting older, moving to a new city, or getting a couple of tickets may generate price changes that can now make some companies cheaper in comparison to the competition.

Not only may your situation change, but companies amend pricing every year as an adjustment for underwriting gains or losses. Heavier than normal losses can cause higher prices, while a profitable period can cause cheaper Sacramento car insurance rates.

As an example, the data below analyzes the cheapest car insurance in Sacramento, CA for a 30-year-old female driver with no prior claims, no tickets, and a high credit rating. If we estimate prices based on her personal risk profile, USAA may offer the lowest car insurance rates in Sacramento at $1,371 each year. This is $280 less than the average price paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide also make the list of the cheapest Sacramento, CA auto insurance companies.

Now let’s give the driver from the first set of rates a claim, a lower credit score, and a speeding citation. Due to the fact that every insurance company has a proprietary method for filing rates in each state, comparing insurance quotes will most likely result in a different ranking of companies as shown below.

Grange now has the cheapest price in Sacramento, CA with Progressive, GEICO, Mercury, and Allied also having competitive pricing. This illustrates why it is crucial to compare lots of rates when trying to find the cheapest auto insurance quotes for real estate agents.

Car insurance prices can be altered by many factors and can increase or decrease at any time, so the most affordable company the last time you checked may now be wasting a lot of money.