Confused by the crazy number of auto insurance providers in Sacramento? Many other drivers are too. There are so many providers to choose from that it can easily turn into a difficult mission to find the lowest price for Subaru Legacy insurance in Sacramento. If you live there, you know that Sacramento is a great city to raise a family in, but budgeting for expensive auto insurance can make it hard for many residents to meet other financial obligations.
It’s safe to conclude that car insurance companies don’t want you to look for a cheaper policy. Consumers who compare price quotes will, in all likelihood, buy a new policy because there is a good probability of getting low-cost coverage. A study showed that drivers who compared prices regularly saved about $72 a month compared to other drivers who never shopped around for cheaper prices.
If finding budget-friendly Subaru Legacy insurance is the reason for your visit, knowing how to shop for insurance premiums can save time and money.
Low Cost Subaru insurance price quotes in Sacramento
The providers in the list below are ready to provide free quotes in California. If you want to find the cheapest auto insurance in Sacramento, CA, we recommend you compare several of them to get a more complete price comparison.
Premium rates and analysis
The price information displayed next covers estimates of coverage prices for Subaru Legacy models. Having knowledge of how insurance premiums are established can be of help when making decisions on the best policy coverages.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Legacy 2.5I | $342 | $438 | $454 | $26 | $136 | $1,396 | $116 |
| Legacy 2.5I Premium | $342 | $534 | $454 | $26 | $136 | $1,492 | $124 |
| Legacy 2.5I Premium | $342 | $534 | $454 | $26 | $136 | $1,492 | $124 |
| Legacy 3.6R Premium | $378 | $534 | $454 | $26 | $136 | $1,528 | $127 |
| Legacy 3.6R | $378 | $534 | $454 | $26 | $136 | $1,528 | $127 |
| Legacy 2.5I Limited | $378 | $534 | $454 | $26 | $136 | $1,528 | $127 |
| Legacy 2.5GT Premium | $378 | $628 | $454 | $26 | $136 | $1,622 | $135 |
| Legacy 3.6R Limited | $378 | $628 | $454 | $26 | $136 | $1,622 | $135 |
| Legacy 2.5 GT Limited | $378 | $628 | $454 | $26 | $136 | $1,622 | $135 |
| Legacy 2.5 GT Limited | $378 | $628 | $454 | $26 | $136 | $1,622 | $135 |
| Legacy 2.5 GT Limited | $378 | $628 | $454 | $26 | $136 | $1,622 | $135 |
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Data rating is based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Price information does not factor in zip code location which can modify premiums substantially.
Auto insurance policy discounts you can’t miss
Auto insurance is not an enjoyable expense, but you can get discounts that you may not even know about. A few discounts will be applied at quote time, but some may not be applied and must be asked about before being credited.
- Distant Student – Children who live away from home to go to college and leave their car at home may be insured at a cheaper rate.
- Waiver for an Accident – Not necessarily a discount, but certain companies will let one accident slide without getting socked with a rate hike so long as you haven’t had any claims prior to being involved in the accident.
- Driving Data Discount – Insureds who allow their auto insurance company to monitor when and where they use their vehicle remotely such as Drivewise from Allstate or Snapshot from Progressive could see a rate decrease if they are good drivers.
- Active Military Service – Having a family member in the military may qualify for rate reductions.
- Federal Employees – Active or retired federal employment may reduce rates when you quote Sacramento car insurance but check with your company.
- Senior Discount – If you’re over the age of 55, you can get reduced rates.
Discounts lower rates, but many deductions do not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like medical payments or collision. So when the math indicates you could get a free auto insurance policy, it doesn’t quite work that way.
The diagram below shows the comparison of Subaru Legacy car insurance rates with and without some available policy discounts. The data is based on a male driver, no claims or driving citations, California state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, marriage, claim-free, homeowner, and multi-policy discounts applied.
To see a list of insurers that offer discounts in California, click this link.
Insurance agents can find coverage gaps
Many drivers still like to sit down and talk to an agent and that can be a great decision A good thing about comparing rates online is the fact that drivers can get better rates but still work with a licensed agent. Buying insurance from small agencies is definitely important in Sacramento.
After filling out this quick form, the quote information is submitted to companies in Sacramento who want to provide quotes for your coverage. There is no need to contact any agents because prices are sent directly to you. You can most likely find cheaper rates without having to waste a lot of time. In the event you want to quote rates from a particular provider, you just need to go to their quote page to submit a rate quote request.
If you’re trying to find a good Sacramento insurance agent, it’s helpful to know the different agency structures and how they differ in how they quote coverages. Car insurance agents can be described as either independent or exclusive.
Independent Agencies or Brokers
Agents that elect to be independent are not employed by one company and that enables them to quote your coverage with lots of companies and find you cheaper rates. To move your coverage to a new company, your policy is moved internally and that require little work on your part. If you need lower rates, it’s a good idea to get quotes from a few independent agents so that you have a good selection of quotes to compare. Most also have access to companies you’ve never heard of which can save you money.
The following is a short list of independent insurance agents in Sacramento that may be able to provide free car insurance rate quotes.
- Skyles Insurance Agency
9840 Business Park Dr – Sacramento, CA 95827 – (888) 900-9989 – View Map - Big Savings Insurance Agency, Incorporated
1451 River Park Dr Suite 260 – Sacramento, CA 95815 – (888) 719-6743 – View Map - The United Brokers Insurance Agency Inc
7750 College Town Dr #101 – Sacramento, CA 95826 – (877) 223-4437 – View Map
Exclusive Insurance Agents
Exclusive agents can only provide one company’s prices such as Allstate and State Farm. These agents are unable to give you multiple price quotes so you might not find the best rates. Exclusive agencies are usually quite knowledgeable on sales techniques and that allows them to sell at a higher price point. Consumers often buy from exclusive agents mainly due to the prominence of the brand and solid financial strength.
Shown below is a short list of exclusive insurance agents in Sacramento willing to provide rate quotes.
- Greg Lauck – State Farm Insurance Agent
950 Fulton Ave #175 – Sacramento, CA 95825 – (916) 978-9110 – View Map - Wally Navarrette – State Farm Insurance Agent
4030 S Land Park Dr d – Sacramento, CA 95822 – (916) 454-5331 – View Map - Brian Clark – State Farm Insurance Agent
2331 El Camino Ave – Sacramento, CA 95821 – (916) 488-2212 – View Map
Picking an insurance agency shouldn’t rely on just the quoted price. These are valid questions to ask:
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- How are they compensated?
- Are they involved in claim handling?
- Will they take your side in the event of a claim?
- Which companies can they place coverage with?
California car insurance companies ranked
Choosing the top auto insurance provider can be a challenge considering how many companies there are in California. The company ratings in the lists below may help you choose which car insurance companies you want to consider comparing rates with.
Top 10 Sacramento Car Insurance Companies Overall
- USAA
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
Smart consumers save more
When trying to cut insurance costs, you should never skimp on coverage in order to save money. There are a lot of situations where an insured dropped physical damage coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy the best coverage you can find for the lowest price while still protecting your assets.
Affordable Subaru Legacy insurance in Sacramento can be bought on the web and with local Sacramento insurance agents, and you need to price shop both so you have a total pricing picture. Some insurance providers do not offer online quoting and these regional carriers only sell coverage through local independent agents.
We just showed you a lot of information how to find cheaper Subaru Legacy insurance in Sacramento. The key concept to understand is the more price quotes you have, the better your comparison will be. Consumers may even find the most savings is with a small local company.
How to buy low-cost Subaru Legacy insurance in Sacramento
If saving money is your primary concern, then the best way to find low-cost Subaru Legacy insurance is to start doing a yearly price comparison from insurers who provide car insurance in Sacramento. You can compare prices by following these steps.
- Get a basic knowledge of car insurance and the changes you can make to keep rates low. Many things that cause rate increases like multiple speeding tickets and poor credit history can be eliminated by making minor driving habit or lifestyle changes.
- Request rate estimates from direct, independent, and exclusive agents. Direct and exclusive agents can provide rates from a single company like Progressive and State Farm, while agents who are independent can provide price quotes for a wide range of insurance providers.
- Compare the new quotes to your existing coverage to see if cheaper Legacy coverage is available in Sacramento. If you can save money and buy the policy, make sure coverage is continuous and does not lapse.
One key aspect of rate comparisons is to use the same deductibles and limits on every price quote and and to get price quotes from as many carriers as you can. Doing this enables a fair rate comparison and many rates to choose from.
More learning opportunities
- Child Safety FAQ (iihs.org)
- How Much are Auto Insurance Rates for a 20 Year Old Female in Sacramento? (FAQ)
- What Auto Insurance is Cheapest for Real Estate Agents in Sacramento? (FAQ)
- What Car Insurance is Cheapest for Welfare Recipients in Sacramento? (FAQ)
- Who Has Affordable Sacramento Auto Insurance for a Dodge Ram? (FAQ)
- Who Has Affordable Sacramento Auto Insurance for Teenage Males? (FAQ)
- What Insurance is Cheapest with Multiple Speeding Tickets in Sacramento? (FAQ)
- Who Has the Cheapest Car Insurance for 17 Year Olds in Sacramento? (FAQ)
- Automakers compete to add autobraking (Insurance Institute for Highway Safety)
- Understanding Your Insurance Deductible (Insurance Information Institute)
- No-Fault Auto Insurance Statistics (Insurance Information Institute)