Pretty sure you bought high-priced Kia Stinger insurance in Sacramento? It’s quite common and there are many Sacramento drivers thinking the same thing.
It’s astonishing, but the majority of drivers kept their coverage with the same car insurance company for more than four years, and about 40% of consumers have never even compared rates from other companies. Drivers in Sacramento can cut their rates by roughly 35% a year by just comparing rate quotes, but most tend to underestimate the benefits if they just switched companies.
How to find low-cost Kia Stinger insurance in Sacramento
If you want to find the absolute lowest rates, then the best way to get budget Kia Stinger insurance is to regularly compare prices from insurance carriers who sell auto insurance in Sacramento.
First, try to learn a little about what coverages are included in your policy and the steps you can take to prevent high rates. Many policy risk factors that cause high rates like traffic violations and your credit history can be remedied by being financially responsible and driving safely. This article provides additional ideas to lower rates and find possible discounts that are available.
Second, quote rates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give prices from one company like GEICO or State Farm, while independent agencies can quote prices from multiple sources.
Third, compare the new rate quotes to your existing rates and see if there is a cheaper rate. If you can save some money and switch companies, ensure there is no coverage lapse between policies.
The key aspect of shopping around is to make sure you enter the same liability limits and deductibles on each quote and and to compare as many auto insurance providers as possible. This guarantees a fair price comparison and the most accurate and complete price analysis.
Because you have many different company options, it is very difficult to find the lowest price insurance company.
Consumers should take time to quote other rates at least once a year since prices change quite often. Despite the fact that you may have had the best deal on Kia Stinger insurance in Sacramento two years ago other companies may now be cheaper. Block out anything you think you know about car insurance because you’re going to learn how to quote online to reduce your cost while increasing coverage.
These techniques will help you learn the best way to buy inexpensive car insurance and some tricks to saving. If you are paying for car insurance now, you stand a good chance to be able to buy cheaper car insurance using the concepts you’re about to learn. But California car owners must understand the way insurance companies set your policy premium because it can help you find the best coverage.
Kia Stinger insurance discounts in Sacramento
Some companies do not list every discount available very well, so here is a list both well-publicized in addition to some of the lesser obvious discounts you could be receiving when you buy Sacramento car insurance online.
- Seat Belt Usage – Buckling up and requiring all passengers to buckle up may be able to save a few bucks on the medical payments or PIP coverage costs.
- Early Switch Discount – Some auto insurance companies provide a discount for signing up prior to the expiration date on your current Stinger insurance policy. It’s a savings of about 10%.
- Discount for Life Insurance – Select insurance companies reward you with a break if you buy auto and life insurance together.
- Payment Method – If paying your policy premium upfront instead of monthly or quarterly installments you could save up to 5%.
- Discounts for Government Workers – Active or retired federal employment can save as much as 8% with a few auto insurance companies.
- Good Students Pay Less – Excelling in school can get you a discount of up to 25%. Earning this discount can benefit you well after school through age 25.
- ABS Brakes – Cars with ABS braking systems or traction control prevent accidents and therefore earn up to a 10% discount.
- Save with More Vehicles Insured – Buying a policy with multiple cars or trucks on the same auto insurance policy can get a discount for every vehicle.
Drivers should understand that some credits don’t apply to all coverage premiums. Some only apply to specific coverage prices like comprehensive or collision. So when the math indicates you could get a free auto insurance policy, companies wouldn’t make money that way.
A few companies that possibly offer these discounts include:
Check with every company which discounts you may be entitled to. Some discounts listed above may not apply to policies in every state.
When comparison shopping, quoting more will increase your chances of finding the best price. Some companies don’t provide online rate quotes, so it’s recommended that you also compare price estimates from them, too.
The auto insurance companies shown below can provide free quotes in California. To buy the best auto insurance in Sacramento, it’s highly recommended you visit several of them in order to find the lowest rates.
Everyone needs different insurance coverages
When it comes to buying the best insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Your financial needs are unique and a cookie cutter policy won’t apply.
Here are some questions about coverages that can aid in determining if your situation could use an agent’s help.
- How much liability do I need to cover my assets?
- Can I pay claims out-of-pocket if I buy high deductibles?
- Am I covered if hit by an uninsured driver?
- Is there coverage for injuries to my pets?
- What does UM/UIM cover?
- Should I buy additional glass protection?
- Can my teen driver be rated on a liability-only vehicle?
- When does my teenage driver need to be added to my policy?
- Where can I find DUI or SR-22 insurance?
If you can’t answer these questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.
Independent versus exclusive insurance agencies
Some consumers prefer to have an agent’s advice and that is not a bad decision One of the great benefits of getting online price quotes is the fact that drivers can get lower auto insurance rates but also keep your business local. Putting coverage with local insurance agencies is important particularly in Sacramento.
Upon completion of this quick form, your insurance coverage information is instantly submitted to companies in Sacramento that can give you free Sacramento car insurance quotes for your business. You don’t have to even leave your home since price quotes are sent to your email. Get lower rates and a licensed agent to work with. If you have a need to compare prices from a particular provider, feel free to find their quoting web page and complete a quote there.
The difference between Sacramento auto insurance agents
If you prefer to buy car insurance from a local Sacramento insurance agent, you must know there are a couple different types of agents that you can select. Insurance agencies in Sacramento can be categorized as either independent agents or exclusive agents.
Independent Insurance Agents
These agents are not restricted to one company so as a result can place your coverage through many different car insurance companies and find the cheapest rate. If you want to switch companies, they simply switch companies in-house and you don’t have to switch agencies.
When comparing car insurance rates, you will definitely want to include at least one independent agent so that you can do a thorough price comparison.
Shown below are Sacramento independent insurance agents that may be able to give comparison quotes.
Melissa Saites Nelson Insurance Agency, Inc.
4749 J St – Sacramento, CA 95819 – (916) 531-6061 – View Map
Indus Insurance Agency Incorporated
6968 65th St – Sacramento, CA 95823 – (916) 391-3000 – View Map
Leland Insurance Agency
910 Florin Rd # 108 – Sacramento, CA 95831 – (916) 428-1309 – View Map
Exclusive Car Insurance Agents
Agents of this type can only write with one company and examples are Farmers Insurance, Allstate, or State Farm. Exclusive agents are unable to compare other company’s rates so always compare other rates. Exclusive insurance agents are usually quite knowledgeable on sales techniques and that enables them to sell even at higher rates.
Below is a list of exclusive insurance agents in Sacramento that are able to give price quotes.
State Farm Insurance: Max Lam
2840 Del Paso Rd #300 – Sacramento, CA 95834 – (916) 575-7600 – View Map
Ron Andre – State Farm Insurance Agent
394 Florin Rd – Sacramento, CA 95831 – (916) 428-2918 – View Map
GEICO: Vincent Harris
5211 Madison Ave – Sacramento, CA 95841 – (916) 923-5050 – View Map
Finding the right insurance agency should include more criteria than just the premium amount. Any agent in Sacramento should have no problem answering these questions:
- Does their agency support local causes in Sacramento?
- What company holds the largest book of business for them?
- Can they help ensure a fair claim settlement?
- If independent agents, which companies do they recommend?
- Is auto insurance their primary focus in Sacramento?
Once you have received positive feedback to your questions and an affordable coverage quote, it’s a good possibility that you have found an insurance agent that is reputable and can adequately provide car insurance.
Find cheap rates by comparing often
We’ve covered many ways to compare Kia Stinger insurance auto insurance rates in Sacramento. The key concept to understand is the more providers you compare, the better your comparison will be. Drivers may even discover the most savings is with a small local company. These companies may cover specific market segments cheaper as compared to the big name companies such as Allstate and Progressive.
When buying insurance coverage, it’s a bad idea to buy poor coverage just to save money. In many instances, an accident victim reduced liability coverage limits only to regret that it was a big mistake. The goal is to buy a smart amount of coverage at the best price, but don’t skip important coverages to save money.
Steps to finding low-cost rates for Kia Stinger insurance in Sacramento
If you want to save money, the best way to find low-cost prices for Kia Stinger insurance in Sacramento is to begin comparing prices regularly from insurance carriers in California. Price quotes can be compared by following these steps.
First, learn about individual coverages and the things you can change to lower rates. Many factors that cause rate increases like your driving record and poor credit history can be rectified by improving your driving habits or financial responsibility.
Second, compare prices from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give rate quotes from one company like Progressive or Farmers Insurance, while independent agencies can quote prices for a wide range of insurance providers. View companies
Third, compare the price quotes to the premium of your current policy to see if a cheaper price is available in Sacramento. If you find a lower rate and decide to switch, ensure coverage does not lapse between policies.
Fourth, tell your current agent or company to cancel the current policy. Submit the required down payment along with the signed application for your new policy. As soon as you have the new policy, store the certificate verifying proof of insurance with your vehicle’s registration.
The key thing to know about shopping around is to try to use identical limits and deductibles on every quote request and and to get prices from all possible companies. Doing this helps ensure a level playing field and the best price quote selection.
Helpful articles
- Auto Insurance for Teen Drivers (Insurance Information Institute)
- How Much is Sacramento Auto Insurance for a School Permit? (FAQ)
- Who Has Affordable Sacramento Auto Insurance for Uninsured Drivers? (FAQ)
- Who Has Cheap Sacramento Auto Insurance Rates for a Learners Permit? (FAQ)
- What Car Insurance is Cheapest for Business Use in Sacramento? (FAQ)
- Property Damage Coverage (Liberty Mutual)
- Teen Driving Statistics (GEICO)
- Winter Driving (Insurance Information Institute)
- Your Car has been Stolen: Now What? (Allstate)