Finding the cheapest insurance for a Chevy Cavalier in California can normally be a painful process, but you can learn a few tricks to find lower rates.
There are more efficient ways to find car insurance online and we’ll show you the absolute fastest way to price shop coverage for a new or used Chevy and get the best price possible from both online companies and Sacramento agents.
Consumers should take time to shop coverage around every six months because rates change frequently. If you had the best premium rates on Chevy Cavalier insurance in Sacramento a few years ago there may be better deals available now. Forget anything you know (or think you know) about car insurance because we’re going to show you how to use the internet to find lower rates on car insurance.
Shopping for the best-priced policy in Sacramento is actually quite simple. If you have insurance now or just want cheaper rates, you can use this information to get lower rates while maximizing coverage. You just need to know the most time-saving way to find the lowest price from many different companies.
The quickest method we recommend to compare insurance rates from multiple companies takes advantage of the fact almost all companies actually pay money for the chance to give you rate quotes. To get started, all you need to do is provide details like the ages of drivers, what your job is, your credit rating estimate, and coverage limits. Your information is instantly submitted to insurance companies and you will receive price estimates immediately.
To start a quote now, click here and enter your zip code.
The companies in the list below offer price quotes in California. In order to find cheap auto insurance in Sacramento, CA, we suggest you click on several of them in order to get a fair rate comparison.
Three main reasons to buy car insurance
Despite the high cost of buying insurance for a Chevy Cavalier in Sacramento, car insurance may be mandatory for several reasons.
First, just about all states have minimum liability requirements which means it is punishable by state law to not carry a specific minimum amount of liability coverage if you drive a 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.
Second, if you have a lien on your Cavalier, almost all lenders will force you to have insurance to ensure the loan is repaid in case of a total loss. If you default on your policy, the bank may buy a policy for your Chevy at a significantly higher premium and require you to reimburse them for it.
Third, insurance safeguards your vehicle and your assets. It will also pay for all forms of medical expenses for not only you but also any passengers injured in an accident. One policy coverage, liability insurance, also pays expenses related to your legal defense if anyone sues you for causing an accident. If you receive damage to your vehicle caused by a storm or accident, your policy will cover the repair costs.
The benefits of carrying adequate insurance are without a doubt worth the cost, especially if you ever need it. According to a 2015 survey, the average American driver overpays as much as $869 every year so compare quotes from several companies every year to ensure rates are inline.
Learn How to Buy Insurance for Less
Many factors are taken into consideration when you get a price on insurance. Some are pretty understandable such as your driving record, but other criteria are not quite as obvious like where you live or your financial responsibility.
Why do you need liability protection? – The liability section of your policy will provide protection in the event that you are found to be at fault for causing personal injury or damage in an accident. Your policy’s liability insurance provides legal defense coverage which can be incredibly expensive. Carrying liability coverage is mandatory and cheap when compared to the cost of physical damage coverage, so do not cut corners here.
Pay more of a claim out-of-pocket – Insurance for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your vehicle. Some coverage claims are colliding with a building, damage from fire, and windstorm damage. Your deductibles define how much you are willing to pay if a covered claim is submitted. The larger the amount you have to pay, the less your insurance will be.
Avoid tickets and save – Drivers with clean records get better prices as compared to those with violations. Just one driving citation may increase your cost to the point where it’s not affordable. Drivers who have serious tickets like DWI, reckless driving or hit and run convictions may need to submit a SR-22 form with their state in order to continue driving.
Save miles driven and save money – The more you drive in a year’s time the higher your rate. Most companies price each vehicle’s coverage based upon how the vehicle is primarily used. Autos that do not get driven very much receive lower rates than cars that get driven a lot. Double check that your policy is rated on how each vehicle is driven. Having the wrong rating on your Cavalier may be costing you.
You might get higher premiums if you are single – Having a wife or husband can actually save you money when buying insurance. Marriage may mean you are more mature and responsible and insurance companies reward insureds because married drivers tend to file fewer claims.
Your vocation is a factor – Occupations such as lawyers, business owners, and dentists tend to pay the highest average rates attributed to intense work situations and lots of time spent away from family. On the flip side, jobs such as scientists, historians and performers receive lower rates.
Insurance discounts help lower rates for Chevy Cavalier insurance in Sacramento
Some companies don’t always advertise every discount available very well, so below is a list some of the best known in addition to some of the lesser obvious discounts you could be receiving when you buy Sacramento car insurance online.
- Renewal Discounts – Some companies give discounts for switching policies before your current coverage expires. This can save 10% or more.
- Payment Discounts – By paying your policy upfront rather than spreading payments over time you could save up to 5%.
- Discounts for Good Drivers – Drivers who don’t get into accidents can save up to 40% or more on their Sacramento car insurance quote than their less cautious counterparts.
- Multi-policy Discount – When you have multiple policies and insure them both with the same insurance company they may give you a discount of at least 10% off all policies.
- Online Discount – Certain companies will give you a small discount for buying a policy and signing up digitally online.
- No Charge for an Accident – This isn’t a discount exactly, but a few companies such as State Farm and Allstate will let one accident slide before raising your premiums if your claims history is clear for a certain period of time.
- Anti-lock Brakes – Anti-lock brake equipped vehicles can stop better under adverse conditions and qualify for as much as a 10% discount.
- Save with a New Car – Adding a new car to your policy can save up to 30% compared to insuring an older model.
- Discount for Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts of 20 to 30 percent.
Discounts reduce rates, but you should keep in mind that most discount credits are not given to your bottom line cost. Most cut specific coverage prices like medical payments or collision. Despite the appearance that all those discounts means the company will pay you, company stockholders wouldn’t be very happy.
To see a list of insurance companies with discount insurance rates in California, click this link.
When do I need to have guidance from an insurance agency?
Certain consumers prefer to talk to a local agent and there is nothing wrong with that. Licensed agents are trained to spot inefficiencies and help you file claims. One of the benefits of getting online price quotes is that drivers can save money and get cheaper car insurance rates but also keep your business local. And providing support for local agencies is definitely important in Sacramento.
Upon completion of this form (opens in new window), the coverage information is submitted to participating agents in Sacramento who will return price quotes for your business. You never need to search for any insurance agencies since rate quotes are delivered to the email address you provide. If you need to quote rates from a specific company, you just need to search and find their rate quote page and complete a quote there.
If you would like to find a good insurance agency, you must know there are a couple types of agencies and how they work. Sacramento agents may be either exclusive or independent agents depending on their company appointments. Both sell and service auto insurance coverage, but it’s worth mentioning the difference in how they write coverage since it can affect the kind of agent you use.
Independent Auto Insurance Agents
These type of agents are not employed by any specific company so they can write business through many different auto insurance companies and potentially find a lower price. To transfer your coverage to a different company, an independent agent can move your coverage which requires no work on your part.
When comparing auto insurance prices, we highly recommend that you get quotes from several independent insurance agents so that you have a good selection of quotes to compare. They often place coverage with less well-known companies that many times have cheaper rates.
Shown below is a partial list of independent insurance agents in Sacramento that may be able to give comparison quotes.
- Eugene C. Yates Insurance Agency
2021 P St – Sacramento, CA 95811 – (916) 313-6100 – View Map
- Valley Surety Insurance
947 Enterprise Dr # A – Sacramento, CA 95825 – (916) 567-6676 – View Map
- Skyles Insurance Agency
9840 Business Park Dr – Sacramento, CA 95827 – (888) 900-9989 – View Map
Exclusive Insurance Agents
Exclusive insurance agents are contracted to one company and examples are Farmers Insurance, American Family, State Farm and Allstate. These agents are not able to compare other company’s rates so always compare other rates. Exclusive insurance agents are trained well on sales techniques which helps them sell on service rather than price. Drivers often choose to use an exclusive agent mainly due to the brand legacy and strong financial ratings.
Below are exclusive insurance agencies in Sacramento willing to provide comparison quotes.
- Greg Lauck – State Farm Insurance Agent
950 Fulton Ave #175 – Sacramento, CA 95825 – (916) 978-9110 – View Map
- Bill Batchelder – State Farm Insurance Agent
8887 Folsom Blvd #3a – Sacramento, CA 95826 – (916) 361-3114 – View Map
- Ron Andre – State Farm Insurance Agent
394 Florin Rd – Sacramento, CA 95831 – (916) 428-2918 – View Map
Finding the right insurance agent needs to be determined by more than just a cheap price quote. These are some questions your agent should answer.
- How much training do they have in personal risk management?
- Does the agency support the community they serve?
- Does the company use OEM repair parts?
- What is the agency’s Better Business Bureau rating?
- Do they get paid more for recommending certain coverages?
- Are all drivers listed on the coverage quote?
Be persistent to save money
We just covered a lot of information how to lower your Chevy Cavalier insurance premium rates in Sacramento. It’s most important to understand that the more providers you compare, the higher your chance of finding cheaper Sacramento car insurance quotes. You may even discover the most savings is with a small local company.
Low-cost Chevy Cavalier insurance in Sacramento is definitely available both online as well as from insurance agents, so get free Sacramento car insurance quotes from both of them in order to have the best price selection to choose from. There are still a few companies who may not provide rate quotes online and most of the time these regional insurance providers only sell coverage through independent agencies.
Consumers change insurance companies for many reasons like high prices, denial of a claim, policy non-renewal or unfair underwriting practices. It doesn’t matter what your reason, finding a new car insurance company is not as difficult as it may seem.
Steps to buying discount Chevy Cavalier insurance in Sacramento
If you want to save the most money, the best way to get discount Chevy Cavalier insurance in Sacramento is to start comparing prices regularly from insurers who sell insurance in California.
First, get an understanding of what coverages are included in your policy and the things you can control to keep rates down. Many rating criteria that result in higher rates like speeding tickets, accidents and an unacceptable credit rating can be improved by making small lifestyle or driving habit changes.
Second, obtain price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give prices from one company like Progressive or Farmers Insurance, while independent agents can quote rates for many different companies. View companies
Third, compare the new rates to your existing rates to see if cheaper Cavalier coverage is available in Sacramento. If you can save money and make a switch, make sure coverage is continuous and does not lapse.
Fourth, provide notification to your current company to cancel your current policy. Submit a down payment along with a completed application to the newly selected company. Make sure you place your new certificate of insurance in a readily accessible location in your vehicle.
The key thing to know about shopping around is to use the same level of coverage on each quote and and to get price estimates from as many different insurance providers as possible. Doing this ensures a fair rate comparison and the best price quote selection.
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