Are you tired of sacrificing other expenses to pay your auto insurance bill each month? You have the same problem as many other California drivers.
Statistics show that most auto insurance customers have remained with the same auto insurance company for at least four years, and about 40% of consumers have never shopped around. Drivers in California could save $470 every year by just shopping around, but most just don’t grasp the large savings they would see if they switched.
Steps to quoting cheaper Nissan Juke insurance in Sacramento
It takes a little time, but the best way to find affordable quotes for Nissan Juke insurance is to compare quotes annually from different companies that insure vehicles in Sacramento.
- Step 1: Spend a few minutes and learn about coverages and the steps you can take to keep rates low. Many factors that result in higher prices like multiple speeding tickets and an unacceptable credit score can be controlled by paying attention to minor details. Continue reading for more ideas to prevent expensive rate increases and find hidden discounts.
- Step 2: Request rate estimates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can give quotes from a single company like GEICO or Farmers Insurance, while agents who are independent can quote prices for many different companies.
- Step 3: Compare the quotes to your current policy to see if a cheaper price is available in Sacramento. If you find better rates, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Step 4: Provide notification to your current agent or company to cancel your existing policy. Submit a completed policy application and payment to the new company. Make sure you keep the new certificate verifying proof of insurance in your vehicle.
An important part of this process is to try to compare similar limits and deductibles on every quote and and to analyze as many different insurance providers as possible. This helps ensure an apples-to-apples comparison and a complete price analysis.
Due to the increasing number of insurance providers from which to choose, it can be impossible to choose the most affordable insurance company.
We hope to help educate you on how auto insurance companies operate and how you can save the most money. If you already have coverage, you will surely be able to lower your rates using the following tips. But California consumers must learn how insurance companies market insurance on the web.
Many insurance companies allow consumers to get coverage price quotes directly from their websites. This process is possible for anyone as you simply enter your coverage information into the quote form. After you submit the form their rating system obtains reports for credit and driving violations and provides a quote based on these and other factors. Being able to quote online for Nissan Juke insurance in Sacramento simplifies rate comparisons, and it’s very important to have as many quotes as possible in order to get the cheapest possible prices on auto insurance.
To save time and find out what other companies charge, compare rates from the companies below. If you have coverage now, it’s recommended that you enter the coverages as close as possible to your current policy. Doing this guarantees you will have comparison quotes based on the exact same insurance coverage.
The companies shown below provide price quotes in Sacramento, CA. If you want to find cheap car insurance in Sacramento, we suggest you compare several of them to find the lowest car insurance rates.
Slash your auto insurance rates with discounts
Companies offering auto insurance don’t always publicize all available discounts very clearly, so the below list has some of the more common and also the more inconspicuous auto insurance savings.
- Discounts for Government Workers – Active or retired federal employment may qualify for a discount when you quote Sacramento auto insurance depending on your company.
- Life Insurance Discount – Not every insurance company offers life insurance, but if they do you may earn lower rates if you buy some life insurance too.
- Drivers Education – Teen drivers should successfully take a driver’s education course as it will make them better drivers and lower rates.
- Good Student – This discount can get you a discount of up to 25%. Most companies allow this discount until age 25.
- Discount for New Cars – Insuring a vehicle that is new can cost up to 25% less compared to insuring an older model.
- Switch and Save Discount – Select auto insurance companies give a discount for renewing your policy before your current expiration date. This can save 10% or more.
- First Accident Forgiveness – This one isn’t a discount, but some insurance companies permit an accident before your rates go up so long as you are claim-free before the accident.
- Paperless Signup – A handful of companies may give you up to $50 shop Sacramento auto insurance over the internet.
- Clubs and Organizations – Being a member of specific professional or occupational memberships or organizations could trigger savings when getting a Sacramento auto insurance quote.
- Safety Restraint Discount – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 15% on medical payment and PIP coverage.
You should keep in mind that most discount credits are not given to the entire policy premium. Some only reduce specific coverage prices like comprehensive or collision. Despite the appearance that having all the discounts means you get insurance for free, companies don’t profit that way. Any amount of discount will definitely reduce the amount you have to pay.
Companies and a selection of discounts are included below.
- GEICO policyholders can earn discounts including seat belt use, defensive driver, federal employee, multi-vehicle, membership and employees, anti-theft, and daytime running lights.
- Travelers offers premium reductions for early quote, driver training, student away at school, home ownership, new car, and hybrid/electric vehicle.
- Farm Bureau may offer discounts for renewal discount, 55 and retired, multi-policy, safe driver, youthful driver, and good student.
- Liberty Mutual includes discounts for good student, preferred payment discount, new graduate, safety features, new move discount, hybrid vehicle, and exclusive group savings.
- American Family has savings for bundled insurance, mySafetyValet, air bags, TimeAway discount, and multi-vehicle.
- Progressive may include discounts for multi-vehicle, continuous coverage, online quote discount, online signing, good student, multi-policy, and homeowner.
Double check with every prospective company which discounts can lower your rates. Some discounts listed above might not be offered in Sacramento.
Car insurance quotes from local neighborhood Sacramento car insurance agents
A lot of people would prefer to talk to an insurance agent and that is recommended in a lot of cases An additional benefit of comparing car insurance online is that drivers can save money and get lower prices and still have an agent to talk to. Putting coverage with neighborhood insurance agencies is especially important in Sacramento.
Upon completion of this quick form, your insurance data is transmitted to agents in your area that provide free Sacramento auto insurance quotes for your business. You won’t need to contact any insurance agencies because prices are sent to the email address you provide. You can find the lowest rates and an insurance agent to talk to. If you have a need to compare rates from a specific insurance company, you would need to navigate to their website and submit a quote form there.
If you want a good insurance agency, it helps to know the two different agency structures that you can select. Agents in Sacramento can be classified as either independent agents or exclusive agents.
Independent Car Insurance Agents
Agents that elect to be independent often have affiliation with several companies so they can quote policies through lots of different companies and potentially find a lower price. If prices rise, the agent simply finds a different carrier and you don’t have to switch agencies. When comparing rates, you will want to compare prices from independent agents to have the most options to choose from.
Below is a list of independent agencies in Sacramento who may provide comparison quotes.
Melissa Saites Nelson Insurance Agency, Inc.
4749 J St – Sacramento, CA 95819 – (916) 531-6061 – View Map
Nationwide Insurance: Greg Comia Insurance Agency Inc
7500 Elsie Ave Ste 106 – Sacramento, CA 95828 – (916) 682-6053 – View Map
Exclusive Insurance Agents
Agents that choose to be exclusive write business for a single company such as State Farm, AAA, and Liberty Mutual. They are unable to shop your coverage around so they have to upsell other benefits. These agents are well trained on the products they sell which helps offset the inability to provide other markets.
Listed below is a short list of exclusive agents in Sacramento that are able to give price quotes.
Choosing an insurance agency requires more thought than just the quoted price. Ask your prospective agent these questions:
- Are they primarily personal or commercial lines agents in Sacramento?
- If your car is totaled, how to they determine the replacement cost?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Will you get a loaner vehicle if you car is being repaired?
- Will they make sure you get an adequate claim settlement?
- Are they actively involved in the community?
- Are claim adjusters local or do you have to take your car somewhere else?
Don’t assume everyone needs the same insurance coverage
When quoting and comparing a policy, there really is not a single plan that fits everyone. Everyone’s situation is a little different.
For example, these questions may help highlight if your insurance needs could use an agent’s help.
- Do I get a pro-rated refund if I cancel my policy early?
- Do I need to file an SR-22 for a DUI in California?
- I have health insurance so do I need medical payments coverage?
- Why do I have to buy liability insurance?
- Are all vehicle passengers covered by medical payments coverage?
- Will filing a claim cost me more?
- What is the rate difference between pleasure use and commuting?
If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an agent. To find an agent in your area, simply complete this short form.
How Your Juke Insurance Prices are Determined
Smart consumers have a good feel for some of the things that play a part in calculating car insurance rates. If you know what controls the rates you pay, this empowers consumers to make smart changes that could result in lower car insurance prices.
The items below are just a few of the factors utilized by car insurance companies to help set premiums.
- Performance impacts rates – The performance of the car, truck or SUV you need insurance for makes a huge difference in your auto insurance rates. The cheapest insurance rates are usually found on small economy passenger vehicles, but many other things help determine your insurance rates.
- Only buy coverage you need – Policies have additional coverages that may not really be needed on your car insurance policy. Insurance for personal injury protection, high-cost glass coverage, and extra equipment coverage may not be needed and are just wasting money. The coverages may be enticing at first, but your needs may have changed so consider taking them off your policy.
- Teenage drivers are expensive to insure – Mature drivers tend to be more responsible, cost insurance companies less in claims, and tend to be get fewer driving tickets. Teenage drivers tend to get distracted easily when driving with friends so car insurance rates are higher.
- Do you really need to file those policy claims? – Car insurance companies in California provide better rates to insureds who do not rely on their insurance for small claims. If you are a frequent claim filer, you can look forward to higher premiums or even policy non-renewal. Insurance coverage is meant to be used in the event of claims that pose a financial burden.
- Use credit responsibly and save – Credit rating is likely to be a major factor in determining premium rates. So if your credit history leaves room for improvement, you may save money insuring your Nissan Juke by improving your rating. People with excellent credit tend to be less risk to insure than drivers with bad credit.
Nissan Juke statistical loss data – Insurers use data from past claims to help calculate a profitable premium price. Models that are shown to have increased losses will be charged more to insure. The table shown below demonstrates the loss history for Nissan Juke vehicles.
For each coverage category, the claim amount for all vehicles, regardless of manufacturer or model, is set at 100. Values that are below 100 mean the vehicle has better than average losses, while values that are 100 or greater indicate a higher chance of having a claim or statistically larger losses.
Nissan Juke Insurance Loss Statistics Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Nissan Juke 2WD 101 104 77 111 134 113 Nissan Juke 4WD 107 112 75 120 115 105BETTERAVERAGEWORSE
Statistics from IIHS.org for 2013-2015 Model Years
Insurance does more than just protect your car
Despite the high cost of buying insurance for a Nissan Juke in Sacramento, paying for insurance may be mandatory for several reasons.
First, almost all states have compulsory liability insurance requirements which means you are required to buy 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 lien on your Nissan Juke, it’s most likely the lender will require you to have physical damage coverage to guarantee loan repayment. If the policy lapses, the lender may insure your Nissan at a significantly higher premium and force you to pay the higher premium.
Third, insurance safeguards both your Nissan Juke and your personal assets. It will also provide coverage for most medical and hospital costs for yourself as well as anyone injured by you. As part of your policy, liability insurance will also pay to defend you if someone files suit against you as the result of an accident. If damage is caused by hail or an accident, collision and comprehensive coverages will pay to repair the damage minus the deductible amount.
The benefits of insuring your car are without a doubt worth the cost, especially for larger claims. According to a 2015 survey, the average American driver is wasting up to $820 a year so smart consumers compare quotes at every renewal to be sure current rates are still competitive.
Which car insurance company is best in California?
Ending up with a high-quality auto insurance provider can be difficult considering how many companies sell coverage in California. The ranking information in the next section may help you analyze which coverage providers to look at purchasing a policy from.
Top 10 Sacramento Car Insurance Companies Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA of Southern California – 92%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
Top 10 Sacramento Car Insurance Companies Overall
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- The General
- Titan Insurance
Smart shoppers get results
Cost effective Nissan Juke insurance can be bought from both online companies and from local insurance agents, so you should compare both so you have a total pricing picture. Some companies do not provide rate quotes online and these small, regional companies work with independent agents.
As you shop your coverage around, it’s a bad idea to reduce needed coverages to save money. Too many times, someone dropped physical damage coverage only to discover later that the savings was not a smart move. Your aim should be to find the BEST coverage at a price you can afford while not skimping on critical coverages.
We just presented some good ideas how to reduce Nissan Juke insurance car insurance rates online in Sacramento. It’s most important to understand that the more rate comparisons you have, the better your chances of lowering your premium rates. Drivers may even discover the biggest savings come from the least-expected company.
Steps to buying discount Nissan Juke insurance in Sacramento
It takes a few minutes, but the best way to get more affordable auto insurance rates in Sacramento is to start comparing prices regularly from different companies in California.
- First, spend a few minutes and learn about car insurance and the steps you can take to drop your rates. Many rating criteria that drive up the price like getting speeding tickets and an imperfect credit rating can be remedied by making small lifestyle or driving habit changes.
- Second, compare rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give prices from one company like GEICO or State Farm, while agents who are independent can provide rate quotes from many different companies.
- Third, compare the price quotes to your current policy and determine if cheaper Juke coverage is available in Sacramento. If you can save some money and change companies, ensure there is no coverage lapse between policies.
One tip to remember is to make sure you’re comparing identical limits and deductibles on each quote request and and to get price estimates from as many car insurance companies as possible. This provides a level playing field and a complete price analysis.
More information is available below:
- Auto Insurance Facts and Statistics (Insurance Information Institute)
- What Car Insurance is Cheapest for 16 Year Olds in Sacramento? (FAQ)
- What Insurance is Cheapest for Infrequent Drivers in Sacramento? (FAQ)
- What is Gap Insurance? (Insurance Information Institute)
- Safety Features for Your New Car (State Farm)