Regrettably, about 70% of customers have been with the same company for at least the last four years, and approximately 40% of consumers have never even compared quotes to find lower-cost rates. Consumers in Sacramento could save nearly $470 every year by just shopping around, but they underestimate how much savings they would realize if they switch to a new company.
The best way we recommend to find low-cost Pontiac G8 insurance in Sacramento is to annually compare prices from insurers in California. Prices can be compared by completing these steps.
- Get an understanding of how auto insurance works and the changes you can make to prevent expensive coverage. Many things that increase rates such as accidents, traffic tickets, and a bad credit rating can be improved by making minor changes to your lifestyle.
- Compare prices from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can give quotes from a single company like GEICO or Allstate, while independent agencies can quote rates for a wide range of insurance providers. View prices
- Compare the new rate quotes to your existing policy to determine if you can save on G8 insurance. If you can save some money and decide to switch, make sure there is no lapse in coverage.
- Give proper notification to your current agent or company to cancel your existing policy and submit a signed application and payment for your new policy. Immediately upon receiving it, place the new proof of insurance certificate with your registration paperwork.
A good tip to remember is to use the same coverage limits and deductibles on every quote and and to get rate quotes from as many carriers as you can. This enables a fair price comparison and the best price selection.
The majority of larger companies provide price estimates on the web. Getting quotes for Pontiac G8 insurance in Sacramento is easy for anyone as you simply enter your coverage information as requested by the quote form. Once entered, their system makes automated requests for reports for credit and driving violations and returns a price based on many factors. Using the web to get price quotes for Pontiac G8 insurance in Sacramento streamlines rate comparisons, and it is imperative to compare as many rates as possible in order to get the lowest auto insurance rates.
To save time and find out how much you’re overpaying now, visit the companies below or click here to submit a quote request to multiple companies at once. If you have a policy now, it’s recommended that you enter deductibles and limits identical to your current policy. This guarantees you will get an apples-to-apples comparison using the same coverage and limits.
The following companies provide quotes in Sacramento, CA. To find the best auto insurance in Sacramento, we recommend you visit two to three different companies to get a more complete price comparison.
Here’s why auto insurance is not optional
Despite the potentially high cost of Pontiac G8 insurance, insurance is a good idea for several reasons.
First, just about all states have mandatory liability insurance requirements which means it is punishable by state law to not carry a specific minimum amount of liability coverage if you don’t want to risk a ticket. 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 took out a loan on your car, more than likely the lender will require you to have insurance to guarantee their interest in the vehicle. If you cancel or allow the policy to lapse, the bank may buy a policy for your Pontiac at an extremely high rate and force you to pay much more than you were paying before.
Third, auto insurance preserves your Pontiac and your assets. Insurance will also pay for medical bills for both you and anyone you injure as the result of an accident. One policy coverage, liability insurance, will also pay attorney fees in the event you are sued. If mother nature or an accident damages your car, comprehensive and collision coverage will pay to restore your vehicle to like-new condition.
The benefits of insuring your car definitely exceed the cost, especially when you need to use it. The average driver in California is overpaying more than $810 a year so it’s recommended you shop around once a year at a minimum to ensure rates are inline.
How Your G8 Insurance Prices are Determined
Many different elements are part of the equation when pricing auto insurance. Some are pretty understandable like a motor vehicle report, although others are more obscure like your vehicle usage or your vehicle rating.
How’s your driving record? – Whether or not you get tickets has a huge affect on how much you pay. Having a single driving citation can increase rates to the point where it’s not affordable. Drivers with clean records get better rates than people who have multiple driving citations. Drivers who have received dangerous violations like DUI or willful reckless driving are required to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to legally drive.
Poor credit can mean higher costs – Your credit score is likely to be a major factor in calculating your premium rate. If your credit could use some work, you may save money insuring your Pontiac G8 by improving your rating. People with high credit ratings tend to be better risks to insure as compared to drivers with poor credit scores.
Prevent theft and lower prices – Selecting a car model with an alarm system can get you a discount on your insurance. Advanced theft deterrents such as OnStar, LoJack tracking, and tamper alarms can help prevent car theft and help bring rates down.
Liability insurance risk factors – Liability insurance will protect you in the event that you are determined to be liable for an accident. It will provide legal defense starting from day one. Liability insurance is pretty cheap as compared to coverage for physical damage, so drivers should buy more than the minimum limits required by law.
Which car insurance company is best in Sacramento?
Insuring your vehicle with the highest-rated auto insurance provider can be difficult considering how many different insurance companies sell coverage in Sacramento. The ranking information below can help you decide which auto insurers to look at comparing prices from.
Top 10 Sacramento Car Insurance Companies Ranked by Claims Service
- AAA of Southern California
- State Farm
- AAA Insurance
- Liberty Mutual
- Titan Insurance
- The Hartford
Top 10 Sacramento Car Insurance Companies Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA of Southern California – 92%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
Cheaper car insurance is a realistic goal
We’ve covered some good ideas how you can get a better price on Pontiac G8 insurance in Sacramento. It’s most important to understand that the more companies you get auto insurance rates for, the more likely it is that you will get a better rate. You may even find the biggest savings come from a small mutual company. Some small companies may only write in your state and offer lower auto insurance rates than their larger competitors like Allstate or State Farm.
Some car insurance companies don’t offer price quotes online and usually these small, regional companies work with independent agents. Cheaper car insurance in Sacramento can be purchased online and from local agencies, and you should be comparing both to have the best selection.
When trying to cut insurance costs, make sure you don’t 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 found out when filing a claim they didn’t purchase enough coverage. Your goal should be to get the best coverage possible at an affordable rate while not skimping on critical coverages.
Additional car insurance information is located on the following sites:
- Neck Injury FAQ (iihs.org)
- Who Has Cheap Car Insurance for a Toyota Corolla in Sacramento? (FAQ)
- How Much are Car Insurance Quotes for Felons in Sacramento? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for a Ford Escape in Sacramento? (FAQ)
- What Insurance is Cheapest for Infrequent Drivers in Sacramento? (FAQ)
- Bodily Injury Coverage (Liberty Mutual)
- Keeping Children Safe in Crashes Video (iihs.org)