Unbelievable but true, nearly 70% of customers have been with the same company for at least four years, and just short of a majority have never taken the time to shop around. U.S. drivers can save hundreds of dollars each year just by comparing rates, but they underestimate the rate savings if they swap their current policy for a cheaper one.
The preferred way to get discount auto insurance rates is to compare prices once a year from providers in Sacramento.
First, read and learn about how insurance companies determine prices and the modifications you can make to lower rates. Many factors that increase rates such as getting speeding tickets and an unacceptable credit history can be eliminated by making minor changes in your lifestyle. Read the full article for more ideas to get better rates and find available discounts that you may qualify for.
Second, quote rates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only provide price estimates from one company like Progressive or Farmers Insurance, while agents who are independent can provide prices for a wide range of insurance providers.
Third, compare the price quotes to the price on your current policy to determine if switching companies saves money. If you find better rates, ensure coverage does not lapse between policies.
Fourth, tell your current agent or company of your intent to cancel your existing policy and submit payment along with a signed and completed policy application for the new coverage. When you receive it, store the certificate verifying proof of insurance in a readily accessible location in your vehicle.
One bit of advice is that you’ll want to compare similar deductibles and liability limits on every quote and and to get prices from every insurance company. This helps ensure an accurate price comparison and a thorough price selection.
The purpose of this post is to tell you the best way to quote coverages and also pocket some savings If you currently have insurance, you will surely be able to get lower rates using the concepts covered in this article. Nevertheless, California vehicle owners can benefit from knowing how big insurance companies price online insurance and use it to your advantage.
Best companies for Cadillac CTS-V insurance
The car insurance companies shown below offer free quotes in California. If multiple companies are listed, it’s a good idea that you click on several of them in order to find the most competitive rates.
Coverage analysis
The rate table below outlines different insurance policy prices for Cadillac CTS-V models. Having a better understanding of how auto insurance policy rates are formulated can be valuable when making smart choices when comparing insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CTS-V | $306 | $700 | $488 | $28 | $146 | $1,668 | $139 |
| Get Your Own Custom Quote Go | |||||||
Prices based on single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Table data does not factor in specific Sacramento garaging location which can lower or raise rates noticeably.
The diagram below illustrates how your choice of deductibles and can raise or lower Cadillac CTS-V yearly insurance costs for each age group. The price estimates are based on a single male driver, comp and collision included, and no discounts are applied to the premium.
Insurance rate increases from tickets or accidents
The illustration below shows how violations and at-fault accidents can drive up Cadillac CTS-V insurance prices for different insured age categories. Data assumes a single female driver, full physical damage coverage, $1,000 deductibles, and no discounts are factored in.
Cheaper Sacramento car insurance rates with discounts
Some companies don’t always publicize every policy discount in a way that’s easy to find, so we break down some of the best known as well as some of the hidden credits that you can use to lower your rates.
- Distant College Student Discount – Older children who live away from home at college and won’t have access to an insured vehicle can receive lower rates.
- 55 and Retired – If you qualify as a senior citizen, you can get a small decrease in premiums.
- Discounts for Safe Drivers – Drivers who don’t get into accidents may save up to 50% more than less cautious drivers.
- Paper-free Discount – A few companies give back up to $50 for buying your policy digitally online.
- Air Bags and Passive Restraints – Factory options such as air bags or motorized seat belts can receive discounts as much as 30%.
- Active Military Service – Being deployed with a military unit could trigger a small discount.
- Discounts for Federal Employees – Simply working for the federal government could cut as much as 10% off depending on your car insurance provider.
One thing to note about discounts is that many deductions do not apply to all coverage premiums. Most only apply to the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like adding up those discounts means a free policy, it doesn’t quite work that way.
The example below illustrates the comparison of Cadillac CTS-V yearly insurance costs with and without discounts applied to the premium. The price estimates are based on a male driver, no driving violations, no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, multi-policy, safe-driver, claim-free, and homeowner discounts applied.
If you would like to choose from a list of insurance companies that provide some of the discounts listed above in Sacramento, click here.
Independent or exclusive auto insurance agents
Many drivers just prefer to buy from a local agent. One of the great benefits of getting online price quotes is you may find better rates and still have a local agent. And supporting small agencies is definitely important in Sacramento.
After completing this short form, your insurance coverage information gets sent to insurance agents in Sacramento who will gladly provide quotes to get your business. You won’t need to visit any agencies since price quotes are sent to the email address you provide. It’s the lowest rates and a licensed agent to work with. If you have a need to get a rate quote from a specific insurance provider, you just need to go to their quote page and complete a quote there.
When searching for a good insurance agency, it’s important to understand the types of agencies to choose from. Agencies in Sacramento may be either exclusive or independent (non-exclusive).
Independent Insurance Agents
Agents in the independent channel are not restricted to one company and that gives them the ability to insure with any number of different companies enabling the ability to shop coverage around. If premiums increase, an independent agent can move your coverage and you don’t have to find a new agent.
If you need lower rates, you definitely need to get quotes from multiple independent agents in order to have the best price comparison.
Featured below are Sacramento independent agents that may be able to give price quote information.
Nationwide Insurance: Greg Comia Insurance Agency Inc
7500 Elsie Ave Ste 106 – Sacramento, CA 95828 – (916) 682-6053 – View Map
Morelos Insurance Agency
5346 Madison Ave – Sacramento, CA 95841 – (916) 482-5500 – View Map
Leland Insurance Agency
910 Florin Rd # 108 – Sacramento, CA 95831 – (916) 428-1309 – View Map
Exclusive Agents
Agents in the exclusive channel can only provide pricing for a single company and examples are Allstate and State Farm. They are unable to place coverage with different providers so they have to upsell other benefits. They are well trained on the products they sell which helps them sell insurance even at higher premiums.
Listed below is a short list of exclusive insurance agencies in Sacramento that are able to give price quotes.
Farmers Insurance – Wayne Wong
2015 Q St – Sacramento, CA 95811 – (916) 760-7858 – View Map
Bob Spears – State Farm Insurance Agent
3110 Fulton Ave – Sacramento, CA 95821 – (916) 482-9227 – View Map
Wally Navarrette – State Farm Insurance Agent
4030 S Land Park Dr d – Sacramento, CA 95822 – (916) 454-5331 – View Map
Finding a good auto insurance agent is decision based upon more than just a cheap quote. These are some valid questions you should ask.
- How many companies do they write for?
- Do they review policy coverages at every renewal?
- Does the company have a solid financial rating?
- Do they have a Better Business Bureau rating in Sacramento?
- Do they specialize in personal lines auto insurance in Sacramento?
- Is there a 24/7 contact number?
- Are they able to provide referrals?
- What insurance company do they write the most business with?
A conclusion for your car insurance search
Lower-priced car insurance in Sacramento is definitely available online and with local Sacramento insurance agents, and you should compare rates from both to have the best chance of lowering rates. Some insurance companies do not provide the ability to get a quote online and many times these smaller providers only sell through local independent agents.
We just showed you many ways to find cheap Cadillac CTS-V insurance in Sacramento. The key thing to remember is the more rate quotes you have, the higher your chance of finding affordable Cadillac CTS-V insurance quotes. You may even find the best price on car insurance is with a company that doesn’t do a lot of advertising. These companies may cover specific market segments cheaper than the large multi-state companies such as GEICO and State Farm.
More information can be read below:
- Uninsured Motorist Statistics (Insurance Information Institute)
- What Insurance is Cheapest with Multiple Speeding Tickets in Sacramento? (FAQ)
- Insurance losses by make and model (Insurance Institute for Highway Safety)
- Prom Night Tips for Teen Drivers (State Farm)
- Speed and Speed Limit FAQ (iihs.org)
- Get the Right Protection (InsureUonline.org)