Auto Insurance Rates for a Scion tC in Sacramento

Astonishing but true, most consumers have stayed with the same insurance company for a minimum of four years, and nearly half have never shopped around. Many drivers in Sacramento could cut their rates by 35% a year by just comparing rate quotes, but they underestimate how much money they would save if they bought a different policy.

Insurance rates Scion tC in SacramentoThe recommended way to save on Scion tC insurance is to start doing an annual price comparison from different companies in Sacramento. Drivers can shop around by completing these steps.

One important bit of advice is to compare identical deductibles and limits on every price quote and and to look at as many different companies as possible. This ensures a level playing field and a complete price analysis.

This information will help you learn the best way to quote coverages and some tricks to saving. If you are paying for car insurance now, you will be able to reduce the price you pay using these methods. Although California vehicle owners need to have an understanding of how the larger insurance companies calculate your policy premium because rates are impacted by many factors.

The quickest way to compare insurance rates in your area takes advantage of the fact most of the larger companies provide online access to provide you with a free rate quote. To begin a comparison, all you need to do is give the companies some data including your job, driver details, how much you drive, and your credit rating estimate. Your information is instantly sent to many of the top insurers and you receive quotes quickly.

To check rates for your Scion tC now, click here and complete the form.

The providers in the list below provide free rate quotes in Sacramento, CA. To buy cheap car insurance in Sacramento, CA, we recommend you visit several of them to get the best price comparison.

Lower rate quotes with discounts

Some insurance providers do not list all possible discounts in a way that’s easy to find, so the list below contains a few of the more well known as well as some of the hidden credits that may apply to you.Save money with discounts

A little note about advertised discounts, many deductions do not apply to your bottom line cost. Some only reduce individual premiums such as physical damage coverage or medical payments. Even though it appears all those discounts means the company will pay you, that’s just not realistic.

The diagram below visualizes the comparison of Scion tC auto insurance rates with and without policy discounts. The information is based on a male driver, no tickets, no at-fault accidents, California state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, marriage, multi-policy, claim-free, and safe-driver discounts applied.

Some companies who may offer these money-saving discounts possibly include:

If you need the cheapest Scion tC rate quotes, ask each company the best way to save money. Some discounts listed above may not be offered in your area. To see insurance companies that offer discounts in California, click this link.

Coverage analysis

The table shown next showcases estimates of insurance coverage prices for Scion tC models. Learning as much as possible about how auto insurance policy rates are established is important to be able to make smart choices when buying a policy.

Scion tC Insurance Rates in Sacramento, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TC 2-Dr Hatchback $182 $482 $624 $36 $186 $1,510 $126
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Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Rates do not factor in your specific Sacramento location which can lower or raise premium rates greatly.

Deductible analysis

One common question asked by Sacramento drivers is how high should the physical damage deductibles be. The rates shown below sum up the costs and benefits between high and low deductibles. The first rate quote example uses a $100 deductible for physical damage and the second pricing table uses a $1,000 deductible.

Scion tC insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TC 2-Dr Hatchback $380 $932 $552 $32 $166 $2,087 $174
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Scion tC insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TC 2-Dr Hatchback $210 $490 $552 $32 $166 $1,450 $121
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Rate quotes do not factor in your specific Sacramento location which can lower or raise prices substantially.

Using the data above, we can ascertain that using a $100 deductible will cost you approximately $53 more each month or $636 a year across all Scion tC models than quoting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you usually have at least 17 months between claim filings, you would more than likely save some money if you choose a higher deductible.

How to determine if a higher deductible is a good idea

Average monthly premium for $100 deductibles: $174
Average monthly premium for $1,000 deductibles (subtract): – $121
Monthly savings from raising deductible: $53
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $53
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 17 months

The illustration below illustrates how choosing a deductible and can increase or decrease Scion tC insurance prices for different age categories. The rates are based on a single female driver, full coverage, and no additional discounts are factored in.

Age-based auto insurance rates by gender in Sacramento

The illustration below compares Scion tC annual premium costs for male and female drivers. The premiums assume no claims or driving violations, full physical damage coverage, $1,000 deductibles, marital status is single, and no discounts are taken into consideration.

Full coverage rates vs. liability-only in Sacramento

The chart below illustrates the difference between Scion tC insurance costs with and without physical damage coverage. The information is based on no violations or claims, $100 deductibles, single status, and no other discounts are factored in.

When to eliminate full coverage

There is no exact rule for phasing out physical damage coverage on your policy, but there is a general guideline. If the annual cost of coverage is more than 10% of replacement cost minus your deductible, then it may be the right time to buy liability only.

For example, let’s say your Scion tC replacement cost is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, you would only receive $8,000 after paying your deductible. If premiums are more than $800 a year for your policy with full coverage, then you might consider buying liability only.

There are some conditions where removing full coverage is not a good idea. If you haven’t satisfied your loan, you have to keep full coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should not opt for liability only.

Why Your Insurance Prices might be higher

Multiple criteria are used in the calculation when you get a price on insurance. Most are fairly basic like an MVR report, although some other factors are less apparent such as your credit history or how financially stable you are. The best way to find cheaper insurance is to take a look at the rating factors that come into play when calculating the price you pay for insurance. When you know what positively or negatively determines premiums, this helps enable you to make changes that will entitle you to lower insurance prices.

The itemized list below are some of the major factors utilized by car insurance companies to help set your prices.

When do I need to talk to a local insurance agent?

A lot of people just want to go talk to an agent and that is OK! One of the best bonuses of comparing insurance prices online is you can get cheap car insurance quotes and still buy from a local agent. Supporting neighborhood insurance agencies is still important in Sacramento.

Insurance agents in SacramentoFor easy comparison, once you complete this form (opens in new window), your insurance coverage information is immediately sent to participating agents in Sacramento that give free quotes for your insurance coverage. You won’t need to contact an agency because quoted prices will be sent instantly to you. It’s the lowest rates and an insurance agent to talk to. In the event you want to quote rates from a specific insurance company, you can always jump over to their website and fill out the quote form the provide.

Is an exclusive or independent auto insurance agent right for you?

When narrowing the list to find a local insurance agency, it helps to know the two different agency structures and how they operate. Car insurance agencies are either independent or exclusive.

Independent Insurance Agents

Independent agencies are appointed with more than one company and that is an advantage because they can write policies with lots of companies and help determine which has the cheapest rates. If your agent finds better pricing, your policy is moved internally and you don’t have to switch agencies.

When comparing rate quotes, it’s a good idea to get several quotes from several independent agencies to maximize your price options. Many write coverage with smaller regional carriers that may have much lower rates than larger companies.

Featured below is a small list of independent insurance agencies in Sacramento who can help you get free price quotes.

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Exclusive Car Insurance Agencies

Exclusive insurance agents write business for a single company and some examples include American Family, State Farm, and AAA. Exclusive agencies are unable to shop your coverage around so if the price isn’t competitive there isn’t much they can do. Exclusive agencies are well trained on sales techniques which helps them compete with independent agents. Drivers often use the same agent partially due to the brand name instead of buying on price only.

Below is a list of exclusive insurance agencies in Sacramento that can give you price quotes.

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Choosing the best insurance agency shouldn’t rely on just a cheap quote. Some important questions to ask are:

How much insurance do I need?

When it comes to buying adequate coverage, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.Safe vehicles cost less to insure

Here are some questions about coverages that may help highlight if you may require specific advice.

If you can’t answer these questions but you know they apply to you, you might consider talking to an agent. To find an agent in your area, take a second and complete this form.

Best auto insurance in Sacramento

Finding a highly-rated company is hard considering how many choices drivers have in Sacramento. The company rank data in the next section may help you select which auto insurers you want to consider to insure your vehicles.

Top 10 Sacramento Car Insurance Companies Ranked by Customer Satisfaction

  1. Titan Insurance – 95%
  2. USAA – 94%
  3. AAA of Southern California – 92%
  4. AAA Insurance – 91%
  5. Nationwide – 90%
  6. State Farm – 90%
  7. The Hartford – 89%
  8. GEICO – 89%
  9. The General – 88%
  10. 21st Century – 88%

Top 10 Sacramento Car Insurance Companies Overall

  1. USAA
  2. American Family
  3. AAA of Southern California
  4. State Farm
  5. The Hartford
  6. AAA Insurance
  7. GEICO
  8. The General
  9. Titan Insurance
  10. Progressive

One last thing about your coverage

We just presented many ways to save on Scion tC insurance in Sacramento. The most important thing to understand is the more price quotes you have, the higher your chance of finding low cost Sacramento car insurance quotes. Consumers may even find the best auto insurance rates are with a small local company.

As you prepare to switch companies, never buy less coverage just to save a little money. In many cases, someone dropped full coverage only to regret that it was a big error on their part. Your goal should be to find the BEST coverage at the best possible price, not the least amount of coverage.

Lower-priced car insurance in Sacramento is attainable both online in addition to many Sacramento insurance agents, so you should compare both to have the best rate selection. There are still a few companies who don’t offer internet price quotes and usually these small insurance companies only sell through independent insurance agencies.

For more information, feel free to browse the resources below: