It’s an obvious assumption that insurance companies want to keep you from comparing rates. Insureds who compare other prices will probably move their business because the odds are good of getting low-cost coverage. Surprisingly, a recent survey revealed that drivers who compared rate quotes regularly saved about $70 a month compared to other drivers who never shopped around for cheaper prices.
If finding the cheapest price on Toyota Venza insurance is your objective, then having an understanding of the best ways to shop for cheaper coverage can save time and make the process easier.
If you want to find the absolute lowest rates, then the best way to save on auto insurance rates in Sacramento is to start comparing prices yearly from companies who sell auto insurance in California. You can compare rates by following these steps.
Step 1: Get a basic knowledge of what coverages are included in your policy and the measures you can control to keep rates in check. Many rating criteria that are responsible for high rates such as traffic violations, accidents, and a substandard credit score can be improved by making minor changes to your lifestyle. This article provides additional tips to get cheaper coverage and find additional discounts.
Step 2: Obtain price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can provide rates from a single company like Progressive or Farmers Insurance, while independent agents can provide price quotes from many different companies.
Step 3: Compare the quotes to your existing coverage to see if a cheaper rate is available. If you can save money, make sure the effective date of the new policy is the same as the expiration date of the old one.
One important bit of advice is that you’ll want to make sure you compare similar coverage information on every quote and and to get quotes from as many different companies as possible. This ensures the most accurate price comparison and a better comparison of the market.
Buying the cheapest car insurance in Sacramento is much easier if you have a good place to start. If you are already insured, you should be able to find better prices using the concepts covered in this article. Although California consumers can benefit from knowing how the larger insurance companies determine prices.
The quickest method we recommend to get policy rate comparisons for Toyota Venza insurance in Sacramento utilizes the fact all the major auto insurance companies pay for the opportunity to provide you with free rate quotes. All you need to do is spend a couple of minutes providing details including which vehicles you own, what your job is, if you have an active license, and your credit rating estimate. Your rating data gets transmitted to many highly-rated insurers and you get price estimates with very little delay.
If you would like to compare rates now, click here and find out if you can get cheaper insurance in Sacramento.
The following companies are our best choices to provide free quotes in California. To find cheap auto insurance in CA, it’s a good idea that you visit as many as you can in order to find the cheapest rates.
Lower rate quotes on Toyota Venza insurance in Sacramento with these car insurance discounts
Companies do not advertise every discount they offer very clearly, so the next list breaks down some of the best known as well as the least known credits available to bring down your rates.
- ABS Braking Discount – Anti-lock brake equipped vehicles can avoid accidents so you can save 10 percent or more.
- Student Driver Training – Reduce the cost of insurance for teen drivers by having them enroll and complete driver’s education in high school.
- Onboard Data Collection – Insureds who allow data collection to monitor driving patterns by using a telematic data system such as Allstate’s Drivewise and State Farm’s In-Drive system might get better premium rates if they exhibit good driving behavior.
- Clubs and Organizations – Joining qualifying employment or professional organizations is a simple method to lower premiums on your next renewal.
- Anti-theft System – Cars optioned with advanced anti-theft systems have a lower chance of being stolen and will save you 10% or more on Venza insurance in Sacramento.
- Drive Less and Save – Driving fewer miles could qualify for lower premium rates due to less chance of an accident.
- Multi-line Discount – Larger insurance carriers have a discounted price on car insurance if you buy auto and life insurance together.
Don’t be shocked that some of the credits will not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like medical payments or collision. Despite the appearance that you could get a free car insurance policy, insurance companies wouldn’t stay in business.
The example below illustrates the difference between Toyota Venza auto insurance rates with and without some available policy discounts. The price estimates are based on a female driver, no violations or accidents, California state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, multi-policy, multi-car, safe-driver, and homeowner discounts applied.
Larger car insurance companies and a summarized list of policyholder discounts are:
- Farm Bureau offers premium reductions for youthful driver, renewal discount, good student, multi-policy, and safe driver.
- Liberty Mutual has discounts for new graduate, preferred payment discount, multi-car, multi-policy, exclusive group savings, safety features, and teen driver discount.
- State Farm offers discounts for good student, passive restraint, multiple autos, accident-free, driver’s education, student away at school, and Steer Clear safe driver discount.
- Auto-Owners Insurance may have discounts that include paid in full, safe vehicle, mature driver, anti-lock brakes, company car, teen driver, and multiple vehicles.
- GEICO offers discounts including anti-lock brakes, driver training, military active duty, multi-policy, five-year accident-free, and federal employee.
- SAFECO policyholders can earn discounts including bundle discounts, homeowner, multi-car, anti-theft, safe driver, and accident prevention training.
Before you buy a policy, ask each insurance company how you can save money. Some credits might not be offered everywhere.
Toyota Venza insurance statistics and information
The coverage information displayed below covers estimates of insurance premium costs for Toyota Venza models. Learning a little about how insurance policy rates are established is important for drivers to make smart choices when buying a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Venza 2WD 4-Dr | $420 | $930 | $534 | $32 | $160 | $2,076 | $173 |
| Venza AWD 4-Dr | $420 | $930 | $534 | $32 | $160 | $2,076 | $173 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Premium costs do not factor in Sacramento location which can lower or raise price quotes greatly.
Rate comparison for different deductibles
One frequently asked question is which comprehensive and collision deductibles to buy. The premium rates below summarize the price difference between low and high physical damage deductibles. The first set of prices uses a $100 deductible for comp and collision and the second price grid uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Venza 2WD 4-Dr | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
| Venza AWD 4-Dr | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Venza 2WD 4-Dr | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| Venza AWD 4-Dr | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Rate information does not factor in the specific area where the vehicle is garaged which can raise or lower coverage rates substantially.
Based on this data, we can arrive at the conclusion that using a $100 deductible costs about $33 more each month or $396 annually than opting for the higher $500 deductible. Since you would pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you normally average more than 12 months between claims, you would save money if you choose a higher deductible.
The information below highlights how deductible choice and can increase or decrease Toyota Venza yearly insurance costs for different ages of insureds. The premium estimates are based on a single male driver, full physical damage coverage, and no discounts are taken into consideration.
Insurance rate increases from tickets or accidents
The chart below demonstrates how traffic citations and at-fault claims drive up Toyota Venza insurance prices for each different age group. The rates are based on a single male driver, comprehensive and collision coverage, $100 deductibles, and no additional discounts are factored in.
Toyota Venza full coverage rates compared to liability only
The diagram below shows the difference between Toyota Venza insurance premiums when comparing full coverage to liability only. The price estimates are based on no accidents, no driving violations, $500 deductibles, single marital status, and no policy discounts are applied.
When to stop buying comprehensive and collision coverage
There is no clear-cut formula to delete physical damage insurance, but there is a general convention. If the annual cost of coverage is more than 10% of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.
For example, let’s assume your Toyota Venza claim settlement value is $3,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most your company will settle for is $2,000 after the policy deductible has been paid. If you are currently paying more than $200 a year for physical damage coverage, then you might consider buying liability only.
There are some cases where only buying liability is not advised. If you still owe a portion of the original loan, you have to carry full coverage to satisfy the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should keep full coverage on your policy.
Buying auto insurance from Sacramento insurance agencies
A lot of people would prefer to buy from a licensed agent and that is a personal choice. One of the benefits of comparing rates online is that you can obtain lower car insurance rates and still have an agent to talk to.
To find an agent, once you fill out this form (opens in new window), your coverage information gets sent to participating agents in Sacramento who will give you bids and help you find cheaper coverage. It makes it easy because there is no need to do any legwork since rate quotes are delivered directly to you. You’ll get the best rates and a licensed agent to talk to. If you want to get a price quote from a specific auto insurance provider, you would need to go to their quote page and give them your coverage information.
Finding a good insurer requires you to look at more than just the price. Here are some questions you should ask.
- Which members of your family are coverage by the policy?
- What insurance companies do they work with in Sacramento?
- Who are their largest clients?
- Do they have 24-hour customer assistance?
- When do they do policy reviews?
- How would your car be valued if totaled?
When looking for a reliable agent, it’s helpful to know the different types of agencies that differ in how they can insure your vehicles. Agencies in Sacramento can be described as either independent agents or exclusive agents.
Exclusive Agencies
Agents in the exclusive channel work for only one company like Allstate, State Farm and Farmers Insurance. They usually cannot provide rate quotes from other companies so they are skilled at selling on more than just price. Exclusive insurance agents are well trained in insurance sales and that enables them to sell even at higher rates. Some consumers prefer to buy insurance from these agents primarily because of the brand rather than low rates.
Listed below are exclusive agents in Sacramento who may provide you with rate quotes.
- GEICO Insurance Agent
5211 Madison Ave – Sacramento, CA 95841 – (916) 923-5050 – View Map - Trevor Fong – State Farm Insurance Agent
7485 Rush River Dr #715 – Sacramento, CA 95831 – (916) 392-1240 – View Map - Farmers Insurance: Brewer Insurance Agency
6700 Freeport Blvd #101 – Sacramento, CA 95822 – (916) 424-4357 – View Map
Independent Auto Insurance Agents
Agents that choose to be independent are not employed by one company and that allows them to write policies through many companies and find the cheapest auto insurance rates. If you are not satisfied with one company, they simply move the coverage in-house which requires no work on your part. If you are comparing rate quotes, we recommend you check rates from at least one independent agent for the best price selection. A lot of them also have access to companies that do not advertise much which could offer lower prices.
Shown below are Sacramento independent insurance agencies that are able to give price quotes.
- McGee and Thielen Insurance Brokers
3840 Rosin Ct #245 – Sacramento, CA 95834 – (800) 901-9636 – View Map - Castro Property and Commercial Insurance
155 15th St c – West Sacramento, CA 95691 – (916) 482-9600 – View Map - Eugene C Yates Insurance
Sacramento, CA 95814 – Sacramento, CA 95814 – (916) 442-8841 – View Map
Once you have positive feedback for all questions you ask as well as low cost Toyota Venza insurance quotes, it’s a good possibility that you have found a car insurance agent that can be relied on to provide auto insurance coverage.
Car insurance can get complicated
When quoting and comparing a policy for your vehicles, there really is not a “best” method to buy coverage. Your needs are unique to you.
These are some specific questions could help you determine if your situation might need professional guidance.
- Should I put collision coverage on all my vehicles?
- Which is better, split liability limits or combined limits?
- Does having multiple vehicles earn me a discount?
- Does medical payments coverage apply to all occupants?
- Is there coverage for injuries to my pets?
- What is medical payments coverage?
If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form.
Smart Consumers Can Lower Their Insurance Rates
Multiple criteria are taken into consideration when quoting car insurance. Some factors are common sense like a motor vehicle report, but other factors are less obvious like your vehicle usage and annual miles driven.
Listed below are just a few of the factors used by companies to determine prices.
- Drive lots and pay more – Driving a lot of miles annually the higher your rate. Many insurance companies calculate rates partially by how you use the vehicle. Autos left parked in the garage receive better premium rates than vehicles that are driven to work every day. Ask your agent if your insurance policy shows the proper vehicle usage. Incorrect rating for your Venza may be costing you higher rates.
- Discounts for married couples – Your spouse can get you a discount when buying insurance. It translates into being more stable financially and statistics prove drivers who are married file infrequent claims.
- Do you qualify for a multi-policy discount? – Lots of companies give a discount to policyholders who have multiple policies with them. It’s known as a multi-policy discount. Even with this discount applied, it’s in your best interest to compare other company rates to help guarantee you have the best rates.
-
Gender and insurance costs – Statistics demonstrate females are less aggressive when driving. The data does not necessarily mean that men are worse drivers. Both genders are in at-fault accidents in similar percentages, but men cause more damage. Not only that, but men also get cited for more serious violations like DUI and reckless driving.
The example below illustrates the difference between Toyota Venza car insurance costs for male and female drivers. The premiums assume a clean driving record, no at-fault accidents, full physical damage coverage, $1,000 deductibles, marital status is single, and no policy discounts are applied.
- Where you live factors in – Being located in areas with lower population can save you money when trying to find low car insurance rates. Less people living in that area means reduced accidents and lower theft and vandalism rates. Drivers in populated California areas regularly have more aggressive driving styles and higher rates of accident claims. Higher commute times can result in more accidents.
-
Youthful drivers cost more – Older drivers have been proven to be more responsible, cause fewer claims and accidents, and are safer drivers. Teenage drivers have been known to be easily distracted when behind the wheel so they pay higher insurance rates.
The chart below uses these variables: single driver, full coverage with $250 deductibles, and no discounts or violations.
-
Toyota Venza insurance claim data – Auto insurance companies factor in historical loss data to determine a rate that will be profitable for them. Vehicles that the data determines to have higher claim frequency or loss amount will have higher premium rates. The information below illustrates the collected loss data for Toyota Venza vehicles.
For each insurance policy coverage type, the statistical loss for all vehicles, regardless of make, model or trim level, is equal to 100. Values below 100 imply a favorable loss record, while values over 100 point to more frequent losses or an increased chance of larger losses than average.
Toyota Venza Insurance Claim Statistics Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Toyota Venza 4dr 2WD 93 102 86 115 110 93 Toyota Venza 4dr 4WD 94 102 97 120 94 87 BETTERAVERAGEWORSEStatistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Protect more than your vehicle
Even though it’s not necessarily cheap to insure a Toyota in Sacramento, insurance is a good idea for several reasons.
- Most states have mandatory liability insurance requirements which means it is punishable by state law to not carry a specific minimum amount of liability if you drive a vehicle. 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.
- If you took out a loan on your Venza, more than likely the lender will require you to have insurance to guarantee their interest in the vehicle. If you cancel or allow the policy to lapse, the bank will be required to insure your Toyota at a significantly higher premium and require you to fork over the higher price.
- Auto insurance preserves not only your vehicle but also your financial assets. Insurance will pay for most medical and hospital costs that are the result of an accident. As part of your policy, liability insurance also covers all legal expenses up to the policy limit if you are sued as the result of an accident. If your car is damaged in a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will pay all costs to repair after the deductible has been paid.
The benefits of having auto insurance are without a doubt worth the cost, especially when you need to use it. But the average driver in California is currently overpaying as much as $865 each year so compare quotes from several companies at every renewal to be sure current rates are still competitive.
Be persistent and save
Insureds change insurance companies for any number of reasons including delays in responding to claim requests, high rates after DUI convictions, questionable increases in premium and an unsatisfactory settlement offer. Regardless of your reason for switching companies, switching companies is easier than you think.
Lower-priced Toyota Venza insurance in Sacramento is definitely available both online and from local agencies, and you need to price shop both so you have a total pricing picture. Some insurance companies do not provide price quotes online and most of the time these small, regional companies sell through independent insurance agencies.
When searching for cheaper Sacramento auto insurance quotes, it’s not a good idea to skimp on critical coverages to save a buck or two. There are many occasions where consumers will sacrifice liability coverage limits to discover at claim time they didn’t have enough coverage. Your focus should be to buy the best coverage you can find at an affordable rate, but do not sacrifice coverage to save money.
Even more information is available in the articles below:
- Rental Reimbursement Coverage (Allstate)
- How Much are Auto Insurance Rates for Good Students in Sacramento? (FAQ)
- Who Has Cheap Sacramento Auto Insurance Rates for a Learners Permit? (FAQ)
- Smart Auto Insurance Tips (Insurance Information Institute)
- Warning systems don’t curb driver distraction (Insurance Institute for Highway Safety)
- Collision Insurance Coverage (Nationwide)