It takes a little time, but the best way to find low-cost prices for car insurance rates in Sacramento is to compare prices regularly from insurers in California. Price quotes can be compared by completing these steps.
Step 1: It will benefit you to learn about how insurance companies determine prices and the things you can control to prevent high rates. Many rating factors that cause high rates such as traffic citations and a less-than-favorable credit rating can be eliminated by making minor driving habit or lifestyle changes. This article gives additional tips to help reduce prices and find more discounts that you may not know about.
Step 2: Get rate quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only give rate quotes from one company like GEICO or State Farm, while independent agents can give you price quotes for a wide range of companies. Get quotes now
Step 3: Compare the quotes to your existing coverage to determine if switching companies saves money. If you can save money and switch companies, make sure coverage does not lapse between policies.
A good tip to remember is to use the same physical damage deductibles and liability limits on each price quote and and to get rate quotes from as many companies as possible. This enables a level playing field and a complete price analysis.
It’s an obvious statement that insurance companies don’t want customers comparing rates. People who shop around for cheaper rates will most likely switch insurance companies because of the good chance of finding good coverage at a lower price. A recent survey found that consumers who regularly compared price quotes saved as much as $865 a year as compared to drivers who didn’t regularly shop around.
If finding the cheapest price on car insurance is the reason for your visit, understanding how to find companies and compare insurance premiums can help simplify the task of finding more affordable coverage.
Affordable companies for Volvo C30 insurance in California
The providers in the list below are ready to provide free quotes in Sacramento, CA. If you wish to find cheap car insurance in CA, it’s highly recommended you visit as many as you can in order to find the lowest rates.
Volvo C30 insurance rates and statistics
The table shown below highlights estimates of insurance premium costs for Volvo C30 models. Having a good grasp of how policy rates are determined is important for making smart choices when selecting a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| C30 T5 | $206 | $416 | $534 | $32 | $160 | $1,348 | $112 |
| C30 T5 R-Design | $234 | $490 | $534 | $32 | $160 | $1,450 | $121 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Price estimates do not factor in specific Sacramento garaging location which can impact rates significantly.
Physical damage deductibles: Should you raise them?
When buying insurance, a common question is how low should you set your deductibles. The tables below outline the differences in price when you buy lower versus higher coverage deductibles. The first rate table uses a $250 deductible for physical damage and the second set of prices uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| C30 T5 | $342 | $576 | $442 | $26 | $132 | $1,543 | $129 |
| C30 T5 R-Design | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| C30 T5 | $210 | $362 | $442 | $26 | $132 | $1,172 | $98 |
| C30 T5 R-Design | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Rate information does not factor in vehicle garaging location which can increase or decrease coverage rates noticeably.
Using the data above, we can ascertain that using a $250 deductible costs roughly $33 more each month or $396 a year averaged for all C30 models than requesting the higher $1,000 deductible. Since you would have to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you average at a minimum 23 months between claim filings, you would most likely save money if you elect the higher deductible.
Full coverage rates compared to liability-only
The diagram below shows the comparison of Volvo C30 yearly insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in California. The premiums are based on no violations or claims, $250 deductibles, single marital status, and no additional discounts are factored in.
When to drop full coverage
There is no clear-cut rule to exclude comp and collision coverage, but there is a guideline you can use. If the yearly cost for physical damage coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to think about dropping full coverage.
For example, let’s say your Volvo C30 book value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would receive is $6,000 after paying your deductible. If you are paying in excess of $600 a year for your policy with full coverage, then you might want to consider buying only liability coverage.
There are a few cases where dropping physical damage coverage is not recommended. If you still have a loan on your vehicle, you have to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should not eliminate full coverage.
Affordable rates on Volvo C30 insurance in Sacramento with these discounts
Companies don’t always list all available discounts in an easy-to-find place, so we researched some of the best known and also the lesser-known credits available to bring down your rates.
- No Charge for an Accident – This one is not really a discount per se, but a few companies such as Liberty Mutual, Allstate and State Farm will turn a blind eye to one accident before hitting you with a surcharge if you are claim-free prior to being involved in the accident.
- Policy Bundle Discount – If you can bundle your home and auto insurance and insure them both with the same insurance company you may save at least 10% off all policies.
- Driver Training Discounts – Taking time to complete a defensive driving class could earn you a small percentage discount and easily pay for the cost of the class.
- Safety Restraint Discount – Buckling up and requiring all passengers to buckle up can save up to 10 percent (depending on the company) off PIP or medical payments premium.
- Responsible Driver Discount – Accident-free drivers can get discounts for up to 45% lower rates compared to rates paid by drivers with frequent claims.
It’s important to understand that most credits do not apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as comp or med pay. So when the math indicates you could get a free insurance policy, it doesn’t quite work that way.
The information below compares Volvo C30 annual premium costs with and without discounts applied to the policy rates. The price estimates are based on a male driver, a clean driving record, no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, multi-car, safe-driver, claim-free, and multi-policy discounts applied.
A list of companies and some of the premium reductions they offer include:
- State Farm may have discounts that include student away at school, Drive Safe & Save, driver’s education, Steer Clear safe driver discount, and good driver.
- GEICO discounts include defensive driver, anti-theft, anti-lock brakes, seat belt use, and driver training.
- SAFECO has savings for teen safe driver, accident prevention training, anti-theft, homeowner, safe driver, and drive less.
- Farmers Insurance may offer discounts for multi-car, youthful driver, electronic funds transfer, pay in full, bundle discounts, business and professional, and switch companies.
- AAA offers discounts including multi-policy, good student, pay-in-full, AAA membership discount, anti-theft, and multi-car.
- USAA offers premium reductions for annual mileage, vehicle storage, new vehicle, multi-policy, driver training, good student, and military installation.
Before buying, ask every insurance company which credits you are entitled to. Depending on the company, some discounts might not be offered in your state. If you would like to see a list of providers with the best Volvo C30 insurance discounts in California, click this link.
Insurance agents can help
When choosing coverage online or from an agent, there really isn’t a single plan that fits everyone. Every situation is different so your insurance needs to address that. These are some specific questions can aid in determining if your insurance needs will benefit from professional help.
- How does medical payments coverage work?
- Can I drive in Mexico and have coverage?
- How can I get my company to pay me more for my totaled car?
- Am I insured when driving a different vehicle?
- How do I file an SR-22 for a DUI in California?
- Do I need higher collision deductibles?
- What is the ISO rating for a Volvo C30?
If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier
Neighborhood Sacramento auto insurance agents
A lot of people just prefer to get advice from a local agent and that is just fine! One of the great benefits of getting free rate quotes online is the fact that drivers can get the lowest rates and still have a local agent. Buying insurance from local agents is still important in Sacramento.
Once you complete this simple form, your coverage information is submitted to companies in Sacramento who will gladly provide quotes for your coverage. It makes it easy because there is no need to drive around since rate quotes are delivered to the email address you provide. You can most likely find cheaper rates without the usual hassles of price shopping. If you want to get a rate quote for a specific company, feel free to jump over to their website and fill out their quote form.
Below are Sacramento auto insurance companies that may be able to provide comparison quotes for Volvo C30 insurance in Sacramento.
Rich Williams – State Farm Insurance Agent
1001 26th St – Sacramento, CA 95816 – (916) 447-8560 – View Map
Moira Little – State Farm Insurance Agent
9700 Business Park Dr #304 – Sacramento, CA 95827 – (916) 854-5985 – View Map
Wally Navarrette – State Farm Insurance Agent
4030 S Land Park Dr d – Sacramento, CA 95822 – (916) 454-5331 – View Map
McGee and Thielen Insurance Brokers
3840 Rosin Ct #245 – Sacramento, CA 95834 – (800) 901-9636 – View Map
Picking an insurer requires you to look at more than just a cheap quote. Any agent in Sacramento should be willing to answer these questions.
- Are they full-time agents?
- Can they provide you with a list of referrals?
- Do the agents have professional certifications like CPCU or CIC?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Are they able to influence company decisions when a claim is filed?
- Are they actively involved in the community?
Insurance savings summarized
Throughout this article, we presented quite a bit of information on how to shop for Volvo C30 insurance online. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. Consumers could even find that the best prices are with some of the smallest insurance companies. Smaller companies may only write in your state and offer lower rates compared to the large companies like State Farm or Progressive.
As you shop your coverage around, do not skimp on critical coverages to save a buck or two. In many instances, an insured dropped uninsured motorist or liability limits only to discover later that the few dollars in savings costed them thousands. Your aim should be to buy a smart amount of coverage at the lowest possible cost, but do not skimp to save money.
More tips and info about insurance is located in these articles:
- Your Car has been Stolen: Now What? (Allstate)
- What Insurance is Cheapest for a Ford Fusion in Sacramento? (FAQ)
- What Auto Insurance is Cheapest for Real Estate Agents in Sacramento? (FAQ)
- How Much are Auto Insurance Quotes for Single Moms in Sacramento? (FAQ)
- Who Has Affordable Auto Insurance Rates for 4×4 Vehicles in Sacramento? (FAQ)
- Who Has Affordable Sacramento Auto Insurance Quotes for Veterans? (FAQ)
- How to Avoid Buying a Flooded Car (Insurance Information Institute)
- Winter Driving (Insurance Information Institute)
- Safety Features for Your New Car (State Farm)
- Teen Driving Statistics (GEICO)