Best Rates for Toyota Sequoia Insurance in Sacramento

Shockingly, most auto insurance buyers have bought auto insurance from the same company for a minimum of four years, and practically 40% of auto insurance customers have never compared rates from other carriers. Sacramento consumers could cut their rates by about $500 a year by just comparing rate quotes, but they don’t know how much savings they would realize if they swap their current policy for a cheaper one.

If you want to find the absolute lowest rates, then the best way to get the cheapest auto insurance rates in Sacramento is to do an annual price comparison from insurers in California. Rate comparisons can be done by following these steps.

1. Take a little time to learn about how your policy works and the things you can change to keep rates low. Many policy risk factors that cause rate increases such as at-fault accidents, speeding tickets, and poor credit rating can be remedied by paying attention to minor details.
2. Request rate estimates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can give quotes from a single company like GEICO and State Farm, while independent agents can provide price quotes for a wide range of insurance providers.
3. Compare the price quotes to your current policy premium and see if you can save money. If you can save money and switch companies, ensure coverage does not lapse between policies.

The most important part of shopping around is to use similar deductibles and liability limits on each price quote and and to get price quotes from all possible companies. This helps ensure an accurate price comparison and a good representation of prices.

Choosing the best rates in Sacramento is really not that difficult. If you have a policy now, you should be able to cut your premiums using this information. You just need to learn the tricks to get comparison quotes from many different companies online.

The companies in the list below are our best choices to provide free rate quotes in California. If you wish to find cheap car insurance in Sacramento, we recommend you visit several of them to get a more complete price comparison.

Insurance discounts help lower rates for Toyota Sequoia insurance in Sacramento

Some providers don’t always publicize the complete list of policy discounts very clearly, so below is a list both the well known and the more hidden discounts you could be receiving when you buy Sacramento auto insurance online.

• Discounts for Government Workers – Active or retired federal employment can save as much as 8% depending on your company.
• Pay Upfront and Save – If you pay your bill all at once rather than paying in monthly installments you can avoid monthly service charges.
• Accident Forgiveness – Not a discount per se, but certain companies will turn a blind eye to one accident before they charge you more for coverage so long as you haven’t had any claims for a certain period of time.
• Good Students Pay Less – Maintaining excellent grades can get you a discount of up to 25%. Most companies allow this discount until age 25.
• Multi-car Discount – Having multiple cars with one company may reduce the rate for each vehicle.
• Discounts for Cautious Drivers – Drivers without accidents could pay up to 40% less than their less cautious counterparts.
• No Claims – Good drivers with no accidents get the best insurance rates in comparison with insureds who have frequent claims or accidents.
• Discount for Passive Restraints – Vehicles equipped with air bags or automatic seat belts may earn rate discounts of 20% or more.

Policy discounts save money, but some credits don’t apply to the overall cost of the policy. Most only apply to specific coverage prices like collision or personal injury protection. Even though it appears all those discounts means the company will pay you, it doesn’t quite work that way.

The diagram below shows the comparison of Toyota Sequoia insurance costs with and without discounts applied. The rates are based on a female driver, no violations or claims, California state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, claim-free, multi-policy, multi-car, and homeowner discounts applied.

Some companies who may offer most of the discounts above include:

• State Farm
• Farmers Insurance
• Progressive
• GEICO
• Auto-Owners Insurance
• The Hartford
• Farm Bureau
• USAA

Before purchasing a policy, check with every prospective company the best way to save money. Some of the earlier mentioned discounts might not apply in your area. To find insurance companies with discount insurance rates in Sacramento, click here.

Rates and statistics

The table shown below highlights different coverage prices for Toyota Sequoia models. Having insight into how auto insurance policy rates are formulated can assist in making smart buying decisions.

Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Rate quotes do not factor in specific location which can lower or raise coverage rates significantly.

Higher deductibles save money

A question often asked by Sacramento drivers is where to set your physical damage deductibles. The comparisons below may aid in understanding how much more you’ll pay between low and high policy deductibles. The first data table uses a $100 deductible for comp and collision and the second rate chart uses a $1,000 deductible.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Estimates do not factor in specific location information which can raise or lower rates greatly.

Based on the data above, we can derive that using a $100 deductible will cost you approximately $52 more each month or $624 annually than opting for the higher $1,000 deductible. Because you would pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you normally average at a minimum 17 months between claims, you would save money by selecting a higher deductible. The table below shows a better example of how you can do this calculation yourself.

One important issue to know is that raising deductibles to save money means you will have to cover more of the damage yourself when you have a comprehensive or collision claim. It will be required that you have enough extra money in the event you have to pay the higher deductible.

The chart below shows how choosing a deductible and can affect Toyota Sequoia insurance costs for each different age category. The price estimates are based on a single female driver, full coverage, and no additional discounts are factored in.

Responsible drivers pay cheaper car insurance rates

The chart below highlights how traffic violations and at-fault claims can increase Toyota Sequoia annual premium costs for each age group. The premium estimates are based on a married male driver, full physical damage coverage, $250 deductibles, and no additional discounts are factored in.

Compare rates but buy from a neighborhood Sacramento auto insurance agent

Some people still prefer to get advice from a local agent and there is nothing wrong with that. Good insurance agents are trained risk managers and help in the event of a claim. A good thing about comparing insurance prices online is the fact that drivers can get the lowest rates but still work with a licensed agent.

After completing this simple form, the coverage information is sent to local insurance agents in Sacramento who want to provide quotes and help you find cheaper coverage. It’s much easier because you don’t need to visit any agencies because prices are sent straight to your inbox. If you have a need to compare rates from a specific company, you just need to go to their quote page and give them your coverage information.

Picking an provider requires you to look at more than just the price. The following questions are important to ask.

• Will one accident increase rates?
• Are they primarily personal or commercial lines agents in Sacramento?
• Where would your vehicle be repaired?
• Will they give you a referral list?
• What company do they have the most business with?
• Does the company have a solid financial rating?

Independent or Exclusive: It’s your choice

When searching for a local agent, you need to know there are two different types of agencies and how they work. Auto insurance agencies are classified as either independent (non-exclusive) or exclusive. Both can handle auto insurance, but it’s a good idea to understand the difference between them since it can impact your selection of an agent.

Exclusive Agencies

Exclusive insurance agents normally can only provide a single company’s rates like Allstate, Farmers Insurance, State Farm, and AAA. These agents are unable to provide rate quotes from other companies so you might not find the best rates. These agents are well trained on their products and sales techniques which aids in selling service over price. Some people will only buy from the same agent for years primarily because of the prominence of the brand rather than low price.

Below are Sacramento exclusive agents willing to provide price quote information.

• Moira Little – State Farm Insurance Agent
  9700 Business Park Dr #304 – Sacramento, CA 95827 – (916) 854-5985 – View Map
• Tim Kwong – State Farm Insurance Agent
  1035 Jefferson Blvd #5 – West Sacramento, CA 95691 – (916) 371-4730 – View Map
• Sig Lindley – State Farm Insurance Agent
  8110 Pocket Rd #201 – Sacramento, CA 95831 – (916) 428-7370 – View Map

View more agents

Independent Agencies or Brokers

Independent insurance agents are not restricted to one company and that enables them to quote your coverage with any number of different companies and find you the best rates. If they find a cheaper price, the business is moved internally which requires no work on your part.

When searching for an agent, we recommend you get rate quotes from multiple independent agents so that you can do a thorough price comparison. They often place coverage with smaller mutual companies that may have much lower rates than larger companies.

Shown below are Sacramento independent insurance agencies that can give you comparison quotes.

• Cliff Cottam Insurance Services
  1111 Howe Ave #535 – Sacramento, CA 95825 – (800) 807-6871 – View Map
• Jack-Novicio Insurance Agency, Inc.
  3400 Watt Ave #204 – Sacramento, CA 95821 – (916) 783-0000 – View Map
• Ancal Insurance Agency
  2641 Cottage Way #2 – Sacramento, CA 95825 – (916) 485-5410 – View Map

View more agents

Tailor your insurance coverage to you

When it comes to insurance from an agent or online for your personal vehicles, there isn’t really a one size fits all plan. Each situation is unique.

Here are some questions about coverages that can aid in determining whether or not you would benefit from professional advice.

• How do I file an SR-22 for a DUI in California?
• How much coverage applies to personal belongings?
• Am I covered if I have no license?
• Can good grades get a discount?
• What exactly is covered by my policy?
• Does my insurance cover my expensive audio equipment?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and may give you better protection.

Buy Toyota Sequoia Insurance at a Discount

When buying auto insurance it’s important to understand the rating factors that come into play when calculating your policy premiums. If you know what determines premiums, this enables informed choices that could result in much lower annual insurance costs.

The factors shown below are a few of the “ingredients” used by insurance companies to determine your rates.

• Does your occupation raise your rates? – Did you know your job can affect your rates? Occupations such as military personnel, air traffic controllers, and financial analysts have higher rates than the rest of us in part from job stress and extremely grueling work hours. Other careers like actors, students and homemakers pay lower than average rates.
• Combine policies to earn discounts – Most major insurers afford lower prices to buyers that purchase more than one policy, otherwise known as a multi-policy discount. The discount can add up to ten or even up to twenty percent in some cases. Even though this discount sounds good, it’s in your best interest to compare other company rates to help ensure you have the lowest rates. You may still save money by buying from different companies
• Pay less with a high safety rating – Vehicles that have high safety ratings get lower rates. The safest vehicles protect occupants better and any reduction in injury severity translates into fewer and smaller insurance claims which can result in lower premiums. If your Toyota Sequoia scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you may pay a lower rate.
• Advanced alarms and GPS tracking – Choosing a vehicle that has a built-in theft deterrent system can help bring down rates. Theft deterrent systems such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent your car from being stolen.
• High deductibles reduce rates – Physical damage deductibles are how much the insured will be required to pay if you file a covered claim. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Examples of some claims that would be covered would be collision with another vehicle, animal collisions, and having a roll-over accident. The more money you choose to pay out-of-pocket, the bigger discount you will receive.

• Performance affects insurance rates – The performance of the vehicle you need to insure makes a big difference in your rates. The lowest base rates tend to be for lower cost passenger cars, but the final cost of insurance is determined by many other factors.

  The data below is based on a married male driver age 30, full coverage with $500 deductibles, and no discounts or violations. It shows Toyota Sequoia rates compared to other vehicles that have different performance risks.

• Gender and car insurance premiums – Over the last 30 years, statistics show that men are more aggressive behind the wheel. However, don’t assume that males are worse at driving than females. Both genders are responsible for at-fault accidents at about the same rate, but the men tend to have higher claims. Not only are claims higher, but men get cited for more serious violations like DWI (DUI) or reckless driving. Teenage male drivers tend to get in the most accidents so it costs more to insure them.

  The chart below compares Toyota Sequoia yearly insurance costs for male and female drivers. The rates are based on no claims, a clean driving record, comprehensive and collision coverage, $500 deductibles, drivers are single, and no other discounts are factored in.

• Toyota Sequoia insurance loss data – Insurance companies use historical loss data when they calculate premium prices for each model. Models that are shown to have higher number or severity of losses will cost more for coverage.

  The table below outlines the actual insurance loss data for Toyota Sequoia vehicles. For each policy coverage type, the claim amount for all vehicles combined as an average is set at 100. Values below 100 suggest losses that are better than average, while numbers that are greater than 100 show a trend for more claims or an increased probability of a larger loss.

  
  

  Insurance Loss Ratings for Toyota Sequoia Vehicles

  Vehicle Make and Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Toyota Sequoia 4dr 2WD	70	103	80	57
  Toyota Sequoia 4dr 4WD	82	115	96	57	50	77

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Insurance does more than just protect your car

Despite the high insurance cost for a Toyota Sequoia in Sacramento, insuring your vehicle may be mandatory for several reasons.

• Just about all states have minimum liability requirements which means you are required to buy a minimum amount of liability in order to license the vehicle. 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.
• If your Toyota has a loan, almost every bank will require that you buy full coverage to guarantee loan repayment. If the policy lapses, the bank may buy a policy for your Toyota for a lot more money and require you to fork over a much higher amount than you were paying before.
• Insurance preserves your car and your assets. It will also cover medical bills for both you and anyone you injure as the result of an accident. Liability insurance will also pay attorney fees if anyone sues you for causing an accident. If damage is caused by hail or an accident, comprehensive (other-than-collision) and collision coverage will cover the repair costs.

The benefits of insuring your Sequoia greatly outweigh the cost, particularly if you ever have a claim. On average, a vehicle owner in Sacramento is wasting up to $750 every year so shop around at every renewal to save money.

In Summary

More affordable car insurance in Sacramento is possible from both online companies and with local Sacramento insurance agents, so you need to quote Sacramento auto insurance with both in order to have the best price selection to choose from. Some insurance providers may not offer online quoting and these smaller companies only sell coverage through independent agents.

Insureds switch companies for a variety of reasons including policy non-renewal, not issuing a premium refund, delays in paying claims or lack of trust in their agent. Regardless of your reason for switching companies, switching companies can be easy and end up saving you some money.

When you buy Sacramento auto insurance online, never skimp on critical coverages to save a buck or two. There are a lot of situations where drivers have reduced uninsured motorist or liability limits and discovered at claim time that it was a big mistake. Your goal should be to buy the best coverage you can find for the lowest cost, but do not skimp to save money.

For more information, take a look at the articles below:

• Red Light Cameras (State Farm)
• Who Has Affordable Sacramento Auto Insurance for Lyft Drivers? (FAQ)
• What Auto Insurance is Cheapest for Drivers with Accidents in Sacramento? (FAQ)
• Who Has the Cheapest Auto Insurance for Active Military in Sacramento? (FAQ)
• How Much are Car Insurance Quotes for Drivers Under 21 in Sacramento? (FAQ)
• What Car Insurance is Cheapest for Business Use in Sacramento? (FAQ)
• Anti-Lock Brake FAQ (iihs.org)
• How to Avoid Common Accidents (State Farm)