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.

Insurance for Toyota SequoiaIf 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.Discount insurance

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:

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.

Toyota Sequoia Insurance Rates in Sacramento, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sequoia SR/5 2WD $370 $672 $464 $28 $138 $1,672 $139
Sequoia SR/5 4WD $370 $792 $464 $28 $138 $1,792 $149
Sequoia Limited 2WD $412 $792 $464 $28 $138 $1,834 $153
Sequoia Limited 4WD $412 $792 $464 $28 $138 $1,834 $153
Sequoia Platinum 2WD $412 $912 $464 $28 $138 $1,954 $163
Sequoia Platinum 4WD $412 $912 $464 $28 $138 $1,954 $163
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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.

Toyota Sequoia insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sequoia SR/5 2WD $430 $686 $442 $26 $132 $1,741 $145
Sequoia SR/5 4WD $430 $810 $442 $26 $132 $1,865 $155
Sequoia Limited 2WD $478 $810 $442 $26 $132 $1,913 $159
Sequoia Limited 4WD $478 $810 $442 $26 $132 $1,913 $159
Sequoia Platinum 2WD $478 $932 $442 $26 $132 $2,035 $170
Sequoia Platinum 4WD $478 $932 $442 $26 $132 $2,035 $170
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Toyota Sequoia insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sequoia SR/5 2WD $238 $362 $442 $26 $132 $1,200 $100
Sequoia SR/5 4WD $238 $426 $442 $26 $132 $1,264 $105
Sequoia Limited 2WD $266 $426 $442 $26 $132 $1,292 $108
Sequoia Limited 4WD $266 $426 $442 $26 $132 $1,292 $108
Sequoia Platinum 2WD $266 $490 $442 $26 $132 $1,356 $113
Sequoia Platinum 4WD $266 $490 $442 $26 $132 $1,356 $113
Get Your Own Custom Quote Go

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.

Average monthly premium for $100 deductibles: $160
Average monthly premium for $1,000 deductibles (subtract): – $108
Monthly savings from raising deductible: $52
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $52
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 17 months

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.

Insurance agents in SacramentoAfter 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.

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.

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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.

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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.Insurance savings

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

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.

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.

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.

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