If saving money is your primary concern, then the best way to find lower priced car insurance rates is to compare prices at least once a year from insurers that sell auto insurance in Sacramento.
First, try to learn about how car insurance works and the measures you can control to prevent expensive coverage. Many rating criteria that drive up the price such as accidents, traffic tickets, and a poor credit score can be eliminated by making minor changes to your lifestyle.
Second, obtain price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from a single company like Progressive or Farmers Insurance, while independent agencies can quote rates from multiple sources.
Third, compare the new rate quotes to your existing rates to determine if you can save on Outlook insurance in Sacramento. If you find better rates and decide to switch, make sure there is no lapse between the expiration of your current policy and the new one.
Fourth, give notification to your current company of your decision to cancel your current auto insurance policy and submit the completed application along with a down payment to the new insurer. As soon as you have the new policy, store the proof of insurance certificate along with the vehicle’s registration papers.
A good piece of advice is to try to use the same physical damage deductibles and liability limits on each price quote and and to analyze as many companies as you can. Doing this ensures a fair rate comparison and a complete price analysis.
Unfortunately, about 70% of customers kept their policy with the same company for a minimum of four years, and almost 40% of drivers have never shopped around. American consumers can save hundreds of dollars each year, but they mistakenly think it’s difficult to compare rates online.
Buy Sacramento Saturn Outlook insurance online
Just keep in mind that comparing all the rates in your area increases your odds of finding the best offered rates. Some companies don’t provide rate quotes online, so it’s important to also get price estimates on coverage from those companies, too.
The auto insurance companies shown below offer price comparisons in Sacramento, CA. If you wish to find the best car insurance in CA, it’s highly recommended you compare several of them to get a more complete price comparison.
Detailed insurance information
The rate table shown next showcases different prices for Saturn Outlook models. Understanding how insurance rates are determined can be of help when making smart choices when purchasing an auto insurance policy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Outlook XE 2WD||$300||$490||$424||$26||$126||$1,366||$114|
|Outlook XV 2WD||$300||$490||$424||$26||$126||$1,366||$114|
|Outlook XE Premium 2WD||$334||$576||$424||$26||$126||$1,486||$124|
|Outlook XE AWD||$334||$576||$424||$26||$126||$1,486||$124|
|Outlook XE Premium AWD||$334||$576||$424||$26||$126||$1,486||$124|
|Outlook XR-L 2WD||$334||$576||$424||$26||$126||$1,486||$124|
|Outlook XR-L AWD||$334||$576||$424||$26||$126||$1,486||$124|
|Outlook XR-L Premium 2WD||$334||$576||$424||$26||$126||$1,486||$124|
|Outlook XR-L Premium AWD||$334||$576||$424||$26||$126||$1,486||$124|
|Get Your Own Custom Quote Go|
Table data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Information does not factor in vehicle location which can affect prices considerably.
The example below shows how choosing a deductible and can increase or decrease Saturn Outlook insurance costs for each different age group. The data is based on a married female driver, full coverage, and no discounts are factored in.
Premiums by gender and age
The chart below shows the difference between Saturn Outlook insurance prices for male and female drivers. The rate quotes are based on no tickets, no at-fault accidents, full physical damage coverage, $1,000 deductibles, marital status is single, and no discounts are applied to the premium.
Full coverage versus liability-only in Sacramento
The example below compares Saturn Outlook premium costs when comparing full coverage to liability only. The price estimates are based on no claims or violations, $500 deductibles, single marital status, and no discounts are applied to the premium.
Guidelines for eliminating full coverage
There is no written rule of when to phase out comp and collision coverage, but there is a guideline you can use. If the annual cost of your full coverage insurance is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to think about dropping full coverage.
For example, let’s assume your Saturn Outlook replacement value is $4,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most your company will settle for is $3,000 after you pay the deductible. If premiums are more than $300 annually for your policy with full coverage, then you might want to think about dropping full coverage.
There are a few cases where dropping full coverage is not recommended. If you have an outstanding loan on your vehicle, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should not remove full coverage.
Do I need special coverages?
When buying the right insurance coverage, there really is not a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.
Here are some questions about coverages that might point out whether you would benefit from an agent’s advice.
- Am I covered when driving someone else’s vehicle?
- Does insurance cover tools stolen from my truck?
- What is an SR-22 filing?
- Is my dog or cat covered if injured in an accident?
- How much coverage applies to personal belongings?
- Is my son or daughter covered when driving my car?
If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, simply complete this short form.
Local neighborhood agents and auto insurance
Certain consumers still prefer to talk to an insurance agent and doing so can bring peace of mind One of the great benefits of getting free rate quotes online is you may find cheap rate quotes and still have an agent to talk to. Buying from neighborhood insurance agencies is definitely important in Sacramento.
After completing this short form, your insurance data gets sent to local insurance agents in Sacramento who will give you quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to contact an agency since price quotes are sent directly to your email. You’ll get the best rates AND an agent nearby. If you have a need to compare prices from a specific insurance company, you just need to find their quoting web page and submit a quote form there.
Different types of auto insurance agents in Sacramento
When searching for a reliable insurance agency, there are two different agency structures and how they can quote your rates. Auto insurance agents are classified as either exclusive agents or independent agents.
Independent Insurance Agents
Agents that elect to be independent are not employed by any specific company and that gives them the ability to insure with multiple insurance companies and find the cheapest rate. If you are not satisfied with one company, an independent agent can move your coverage without you having to go to a different agency.
When comparison shopping, we highly recommend that you get quotes from a few independent agents so that you have a good selection of quotes to compare. Many can place coverage with smaller regional carriers that can offer cheaper rates than bigger companies.
The following is a list of independent insurance agents in Sacramento that may be able to give competitive price quotes.
- McClatchy Insurance Agency
2410 Fair Oaks Blvd #140 – Sacramento, CA 95825 – (916) 488-4702 – View Map
- Bates Insurance Agency | Auto Insurance and Homeowners Insurance and Car Insurance
2306 J St – Sacramento, CA 95816 – (916) 251-3548 – View Map
- The United Brokers Insurance Agency Inc
7750 College Town Dr #101 – Sacramento, CA 95826 – (877) 223-4437 – View Map
Exclusive Insurance Agents
These type of agents write business for a single company such as Farmers Insurance, State Farm, or Allstate. Exclusive agents cannot provide prices from multiple companies so always compare other rates. They are usually quite knowledgeable on the products they sell which can be an advantage. Consumers frequently use the same agent mostly because of the prominent brand name rather than low price.
The following are Sacramento exclusive insurance agencies that are able to give price quotes.
- Darryl Fong – State Farm Insurance Agent
8489 Folsom Blvd – Sacramento, CA 95826 – (916) 388-1900 – View Map
- Timothy Aust – State Farm Insurance Agent
2710 Arden Way – Sacramento, CA 95825 – (916) 482-5328 – View Map
- Bill Batchelder – State Farm Insurance Agent
8887 Folsom Blvd #3a – Sacramento, CA 95826 – (916) 361-3114 – View Map
Finding the right insurance agent shouldn’t rely on just a cheap quote. A good agent in Sacramento will have answers to these questions.
- Do you need full coverage on every vehicle?
- Is working in the agency their full-time job?
- Which insurance company do they prefer to write with?
- Does the quote include credit and driving reports?
- Is auto insurance their primary focus in Sacramento?
Once you have positive feedback to your questions and the cheapest Saturn Outlook insurance in Sacramento quotes, chances are good that you have found an insurance agency that meets the criteria to adequately provide auto insurance.