It’s a known fact that insurance companies don’t want you to look for a cheaper policy. People who shop around for cheaper price quotes will, in all likelihood, switch to a new company because there is a significant possibility of finding a cheaper policy. A study discovered that consumers who compared price quotes annually saved over $860 a year compared to those who never shopped around for lower prices.
If finding the most affordable Chevy Spark EV insurance is your ultimate goal, knowing how to shop and compare car insurance can help simplify the task of finding more affordable coverage.
If you want to save the most money, the best way to find low-cost prices for car insurance rates in Sacramento is to start doing an annual price comparison from insurers in California. You can compare rates by completing these steps.
First, it will benefit you to learn about what coverages are included in your policy and the measures you can take to drop your rates. Many things that cause high rates like multiple speeding tickets and poor credit history can be amended by improving your driving habits or financial responsibility. This article provides tips to help reduce prices and find overlooked discounts.
Second, request rate estimates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give rate quotes from a single company like Progressive or Farmers Insurance, while agents who are independent can provide rate quotes for many different companies.
Third, compare the price quotes to your current policy premium to see if a cheaper price is available in Sacramento. If you can save some money, make sure coverage does not lapse between policies.
Fourth, notify your company or agent of your decision to cancel the current policy and submit the signed application along with the required initial payment to the new company. Once the paperwork is finalized, put the new certificate verifying proof of insurance above your visor, in the console, or in the glove compartment.
One key aspect of rate comparisons is that you’ll want to make sure you compare similar limits and deductibles on every quote request and and to get price quotes from every insurance company. This enables the most accurate price comparison and and a good selection of different prices.
These five discounts can reduce Chevy Spark EV insurance rates
Some providers don’t always publicize all possible discounts in a way that’s easy to find, so the following list contains some of the best known and the harder-to-find insurance savings.
- Cautious Drivers – Drivers without accidents may receive a discount up to 45% than drivers with accidents.
- Accident Forgiveness Coverage – This isn’t a discount exactly, but some companies like GEICO, Allstate and Liberty Mutual will forgive one accident without getting socked with a rate hike so long as you haven’t had any claims for a specific time period.
- ABS Brakes – Vehicles that have anti-lock braking systems can reduce accidents so you can save 10 percent or more.
- Discounts for Multiple Vehicles – Drivers who insure several vehicles with the same company could earn a price break for each car.
- Home Ownership Discount – Owning your own home or condo can save a few bucks because maintaining a house requires personal responsibility.
Keep in mind that most discounts do not apply to the entire policy premium. Most only apply to the cost of specific coverages such as comprehensive or collision. Just because it seems like you could get a free insurance policy, it just doesn’t work that way. Any qualifying discounts will reduce the cost of coverage.
If you would like to see a list of insurance companies with the best Chevy Spark EV insurance discounts in Sacramento in California, click this link.
The quickest method we recommend to compare rate quotes for Chevy Spark EV insurance in Sacramento is to know the trick most larger insurance companies allow for online access to give rate comparisons. The only thing you need to do is give the companies some data such as how much school you completed, the type of vehicles you drive, driver details, and if you have a valid license. Your insurance information is sent automatically to multiple auto insurance providers and you should receive rate quotes within a short period of time.
To check Chevy Spark EV insurance prices now, click here and find out if lower rates are available in Sacramento.
The companies shown below are our best choices to provide quotes in Sacramento, CA. If you want cheaper auto insurance in Sacramento, we recommend you visit several of them in order to get a fair rate comparison.
You may need specialized auto insurance coverage
When choosing the best auto insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Your needs are unique to you and your auto insurance should unique, too.
These are some specific questions can help discover if your situation may require specific advice.
- Is my babysitter covered when using my vehicle?
- What are the liability requirements in my state?
- Are rental cars covered under my policy?
- What are good deductibles for a Chevy Spark EV?
- Should I buy only the required California minimum liability coverage?
- What is no-fault insurance?
- How do I insure my teen driver?
If it’s difficult to answer those questions, you may need to chat with an agent. If you don’t have a local agent, simply complete this short form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and can help protect your family.
Get rate quotes but still have a neighborhood Sacramento auto insurance agent
Many people still prefer to get professional advice from a licensed agent. Most agents can point out coverage gaps and help file insurance claims. One of the great benefits of getting free rate quotes online is the fact that drivers can get cheap insurance quotes but still work with a licensed agent.
To find an agent, once you fill out this quick form, your information is submitted to local insurance agents in Sacramento who will return price quotes to get your business. You don’t have to leave your computer because quoted prices will be sent to you instantly. If you have a need to compare prices for a specific company, don’t hesitate to go to their quote page and fill out the quote form the provide.
Finding a good provider requires you to look at more than just a cheap price. Ask your prospective agent these questions:
- How long have they worked with personal auto insurance coverage?
- Does the company allow you to choose your own collision repair facility?
- Does the agent recommend any additional coverage?
- Will the agent or a CSR service your policy?
- Are claims handled at the agent’s location?
- Can they give you a list of client referrals?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Is coverage determined by price?
If you are wanting to find a local agent, you need to know there are two different agency structures and how they are slightly different. Sacramento agents are either exclusive or independent (non-exclusive). Either type can sell and service insurance coverage, but it is important to understand why they differ since it could factor into the type of agent you choose.
Exclusive Insurance Agencies
Agents that elect to be exclusive can only quote rates from one company such as AAA, Allstate, and State Farm. Exclusive agents cannot place coverage with different providers so it’s a take it or leave it situation. They are usually well trained in insurance sales and that enables them to sell even at higher rates. Consumers frequently buy from the same agent for years partially due to the brand name rather than having the cheapest rates.
Shown below is a short list of exclusive insurance agents in Sacramento that can give you rate quotes.
- Jordan Backhaus – State Farm Insurance Agent
4315 Elkhorn Blvd Ste B – Sacramento, CA 95842 – (916) 331-1135 – View Map
- Ken Perry – State Farm Insurance Agent
2724 24th St #200 – Sacramento, CA 95818 – (916) 452-6668 – View Map
- GEICO: Vincent Harris
5211 Madison Ave – Sacramento, CA 95841 – (916) 923-5050 – View Map
Independent Agencies or Brokers
Independent insurance agents are not employed by one company so they can write business with lots of companies and possibly get better coverage at lower prices. If your agent finds better pricing, an independent agent can move your coverage and you don’t have to find a new agent. When comparison shopping, you will definitely want to include rate quotes from several independent insurance agents for maximum quote selection. Many can place coverage with mutual insurance companies who may have lower rates.
The following is a short list of independent agents in Sacramento who can help you get rate quotes.
- Big Savings Insurance Agency, Incorporated
1451 River Park Dr Suite 260 – Sacramento, CA 95815 – (888) 719-6743 – View Map
- Skyles Insurance Agency
9840 Business Park Dr – Sacramento, CA 95827 – (888) 900-9989 – View Map
- Cliff Cottam Insurance Services
1111 Howe Ave #535 – Sacramento, CA 95825 – (800) 807-6871 – View Map
How to find a good Sacramento auto insurance company
Ending up with a good quality auto insurance company can be difficult considering how many companies sell coverage in Sacramento. The company rank data in the lists below can help you pick which insurers you want to consider when shopping your coverage around.
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%
Car insurance coverage basics
Learning about specific coverages of your policy aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be confusing and nobody wants to actually read their policy. Shown next are typical coverage types available from car insurance companies.
Medical payments coverage and PIP
Coverage for medical payments and/or PIP provide coverage for bills for EMT expenses, nursing services, ambulance fees and dental work. The coverages can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. They cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay
Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.
Comprehensive coverage pays for claims such as hail damage, a broken windshield, damage from flooding and damage from getting keyed. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.
Liability car insurance
Liability insurance will cover damage or injury you incur to other’s property or people that is your fault. It protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 15/30/5 which means a limit of $15,000 per injured person, a total of $30,000 of bodily injury coverage per accident, and property damage coverage for $5,000.
Liability can pay for things like legal defense fees, funeral expenses and loss of income. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible. California state law requires minimum liability limits of 15/30/5 but you should think about purchasing more liability than the minimum.
The chart below demonstrates why low liability limits may not be adequate.
This covers damage to your Spark EV resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision can pay for claims such as hitting a mailbox, sideswiping another vehicle, hitting a parking meter, crashing into a ditch and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible on your Spark EV to bring the cost down.
Uninsured/Underinsured Motorist coverage
This coverage gives you protection from other motorists when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and damage to your Chevy Spark EV.
Due to the fact that many California drivers only purchase the least amount of liability that is required (15/30/5 in California), it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.
Do the work, save more money
A few companies may not provide online quoting and these small, regional companies only sell coverage through independent insurance agencies. More affordable car insurance in Sacramento is available from both online companies in addition to local insurance agencies, so you need to compare both to have the best chance of lowering rates.
When searching for low cost Sacramento car insurance quotes, don’t be tempted to skimp on critical coverages to save a buck or two. There have been many cases where an accident victim reduced physical damage coverage to discover at claim time that it was a big error on their part. The ultimate goal is to purchase a proper amount of coverage at the best price, but do not sacrifice coverage to save money.
You just learned some good ideas how to lower your Chevy Spark EV insurance prices in Sacramento. The key thing to remember is the more providers you compare, the better your chances of lowering your rates. Consumers may even find the most savings is with some of the lesser-known companies. Regional companies can often provide lower rates in certain areas as compared to the big name companies such as GEICO and State Farm.
More information is located below:
- Preventing Carjacking and Theft (Insurance Information Institute)
- What Auto Insurance is Cheapest for Drivers with Accidents in Sacramento? (FAQ)
- Who Has Cheap Car Insurance Rates for Good Drivers in Sacramento? (FAQ)
- Who Has Cheap Auto Insurance for Nurses in Sacramento? (FAQ)
- How Much is Sacramento Auto Insurance for a School Permit? (FAQ)
- Who Has the Cheapest Sacramento Car Insurance Quotes for High School Students? (FAQ)
- Side Impact Crash Tests (iihs.org)
- Auto Insurance FAQ (Farmers Insurance)
- Smart Auto Insurance Tips (Insurance Information Institute)
- Distracted Driving (Insurance Information Institute)