Shocking but true, the vast majority of insurance customers have remained with the same insurance company for at least four years, and about 40% of consumers have never shopped around. Many drivers in California can cut their rates by about 35% a year, but they think it’s difficult to shop their coverage around.
Truthfully, the best way to find discount car insurance rates is to compare prices regularly from companies that sell auto insurance in Sacramento. Price quotes can be compared by following these guidelines.
Step 1: Take a little time to learn about auto insurance and the steps you can take to lower rates. Many policy risk factors that result in higher prices like at-fault accidents, careless driving, and a negative credit score can be remedied by being financially responsible and driving safely. Continue reading for additional ideas to keep prices down and find possible discounts that are available.
Step 2: Request price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give rate quotes from one company like Progressive or Farmers Insurance, while independent agents can quote rates for a wide range of companies. Click to view companies
Step 3: Compare the new rate quotes to your existing coverage and see if there is a cheaper rate. If you can save some money and make a switch, make sure there is no lapse between the expiration of your current policy and the new one.
An important part of this process is that you use identical coverages on every price quote and and to get price estimates from as many car insurance companies as possible. Doing this helps ensure an accurate price comparison and the best rate selection.
The most recommended method to compare car insurance rates for Pontiac Solstice insurance in Sacramento takes advantage of the fact most of the bigger providers provide online access to compare rate quotes. To start a quote, the only thing you need to do is spend a couple of minutes providing details like if you require a SR-22, the year, make and model of vehicles, daily mileage, and the ages of drivers. Your details is sent automatically to insurance carriers in your area and you get price estimates instantly.
To start a rate quote now, click here and find out if you can get cheaper insurance in Sacramento.
The car insurance companies shown below have been selected to offer price comparisons in California. To locate cheap auto insurance in CA, it’s highly recommended you visit as many as you can in order to find the most competitive rates.
Get cheaper Pontiac Solstice insurance rates in Sacramento
Some insurers don’t always list all their discounts very well, so below is a list a few of the more well known and also the lesser-known insurance savings.
- Data Collection Discounts – Sacramento drivers who agree to allow companies to scrutinize driving patterns by using a telematics device such as Progressive’s Snapshot could possibly reduce rates as long as the data is positive.
- Student Discount for Driver Training – Teen drivers should successfully take a driver’s education course in school or through a local driver safety program.
- Low Miles Discount – Maintaining low annual mileage can earn substantially lower premium rates.
- Federal Government Employee – Active or retired federal employment could provide a small rate reduction with some insurance companies.
- Theft Prevention Discount – Vehicles that have factory alarm systems and tracking devices have a lower chance of being stolen and can earn a small discount on your policy.
- Discount for Life Insurance – Select insurance carriers reward you with a small discount if you purchase a life insurance policy as well.
- Distant College Student Discount – College-age children who live away from home to go to college and do not have a car may be able to be covered for less.
- Bundle and Save – If you can combine your homeowners and auto policy with one company you could save over 10 percent off each policy depending on the company.
- Early Switch Discount – Some companies reward drivers for switching companies prior to your current Solstice insurance policy expiration. This can save 10% or more.
Remember that most credits do not apply to the overall cost of the policy. Most only reduce specific coverage prices like collision or personal injury protection. Even though it may seem like you could get a free insurance policy, it just doesn’t work that way. Any qualifying discounts will lower the cost of your policy.
Some of the insurance companies that may offer most of the discounts above may include but are not limited to:
Check with each company to apply every possible discount. Some discounts listed above may not be offered in Sacramento.
Pontiac Solstice Insurance Price Factors
Lots of factors are part of the calculation when you get your auto insurance bill. Some are pretty understandable such as your driving record, although others are less obvious like where you live or your commute time. When buying auto insurance it’s important to understand some of the elements that come into play when calculating the rates you pay for auto insurance. If you understand what determines premiums, this allows you to make good choices that may reward you with big savings.
Listed below are a few of the “ingredients” used by your company to calculate your premiums.
Rates can change based on your address – Living in areas with lower population is a good thing when shopping for auto insurance. Fewer drivers on the road corresponds to lower accident rates and also fewer theft and vandalism claims. Urban drivers regularly have congested traffic and longer commutes to work. The longer drive time statistically corresponds to a higher accident and claim rate.
Alarm systems lower rates – Selecting a car model that has an advanced theft prevention system can save you some money. Systems that thwart thieves like OnStar, LoJack tracking, and tamper alarms all help stop auto theft.
Auto insurance policy lapses increase premiums – Driving without insurance can get your license suspended and companies may charge more for letting your coverage have a gap. Not only will rates go up, not being able to provide proof of insurance could result in a hefty fine and possibly a revoked license.
Don’t cut corners with liability coverage – Your policy’s liability coverage will provide protection when you are responsible for causing damage or personal injury in an accident. Your policy’s liability insurance provides legal defense coverage which can be incredibly expensive. Liability is cheap compared to comp and collision, so drivers should make sure they buy enough to cover all assets.
Get better rates if married – Walking down the aisle may earn you lower rates on your auto insurance policy. Having a significant other generally demonstrates drivers are more stable financially and it’s statistically proven that drivers who are married file infrequent claims.
Insurance agent or online?
Some consumers just prefer to get professional advice from a licensed agent and that is not a bad decision Experienced insurance agents can help you choose the best coverages and help in the event of a claim. An additional benefit of getting online price quotes is that you can obtain cheap car insurance quotes and still have an agent to talk to. And buying from local agencies is especially important in Sacramento.
By using this quick form, your insurance data is instantly submitted to local insurance agents in Sacramento who will give competitive quotes for your coverage. It’s much easier because you don’t need to drive around as quotes are delivered directly to you. If you want to compare prices from a specific car insurance provider, you would need to go to their quote page and fill out the quote form the provide.
When searching for an insurance agent, you should know the different agency structures and how they differ in how they can insure your vehicles. Agents can be described as either independent agents or exclusive agents. Either one can handle car insurance, but it’s worth mentioning how they differ because it may have an impact on which agent you choose.
Independent Car Insurance Agents (or Brokers)
Agents that choose to be independent can sell policies from many different companies so they can insure your vehicles with many different companies and possibly get better coverage at lower prices. If you want to switch companies, they simply move the coverage in-house and you can keep the same agent.
When comparing car insurance prices, you need to compare quotes from multiple independent agents in order to have the best price comparison.
Listed below are independent insurance agents in Sacramento that can possibly get you free car insurance quotes.
Exclusive Insurance Agencies
Agents in the exclusive channel can only quote rates from one company such as American Family, State Farm, and Allstate. They are unable to shop your coverage around so they have no alternatives for high prices. Exclusive agents are well schooled on their company’s products which helps them compete with independent agents.
The following are Sacramento exclusive insurance agents willing to provide comparison quotes.
Choosing the best auto insurance agent shouldn’t rely on just a cheap price quote. Any agent in Sacramento should be forthright in answering these questions:
- Can glass repairs be made at your home?
- Are they involved in claim handling?
- Does the company use OEM repair parts?
- Is auto insurance their primary focus in Sacramento?
- Do they offer rental car reimbursement?
- Is the agent properly licensed in California?
Best auto insurance company in Sacramento
Choosing the right car insurance company can be difficult considering how many companies there are to choose from in California. The ranking data in the lists below could help you pick which insurers to look at comparing rate quotes with.
Top 10 Sacramento Car Insurance Companies Overall
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- The General
- Titan Insurance
Affordable auto insurance premiums are out there
There are still a few companies who may not provide the ability to get a quote online and usually these smaller companies prefer to sell through local independent agents. Budget-friendly auto insurance in Sacramento can be purchased from both online companies and from local agencies, so you should be comparing quotes from both to get a complete price analysis.
Throughout this article, we presented a lot of ways to reduce Pontiac Solstice insurance prices online in Sacramento. The key thing to remember is the more price quotes you have, the better your comparison will be. You may even discover the lowest priced auto insurance comes from a lesser-known regional company. These companies may only write in your state and offer lower rates than the large multi-state companies such as State Farm and Allstate.
As you prepare to switch companies, don’t be tempted to buy lower coverage limits just to save a few bucks. There have been many situations where an insured cut uninsured motorist or liability limits and found out when filing a claim they didn’t purchase enough coverage. Your goal is to buy a smart amount of coverage at an affordable rate and still be able to protect your assets.
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)
- Who Has Affordable Car Insurance Quotes for College Graduates in Sacramento? (FAQ)
- What Insurance is Cheapest for a GMC Sierra in Sacramento? (FAQ)
- Who Has Affordable Sacramento Auto Insurance for Uninsured Drivers? (FAQ)
- What Insurance is Cheapest with Multiple Speeding Tickets in Sacramento? (FAQ)
- How Much are Sacramento Auto Insurance Rates for a Jeep Grand Cherokee? (FAQ)
- Things to Know Before you Cancel Insurance (Allstate)
- Information for Teen Drivers (GEICO)