The most effective way to get affordable Chrysler Sebring insurance is to compare prices annually from companies that sell auto insurance in Sacramento. You can compare rates by completing these steps.
Step 1: Learn about coverages and the steps you can take to prevent high rates. Many things that drive up the price such as getting speeding tickets and poor credit rating can be amended by making minor changes in your lifestyle. Later in this article we will cover more ideas to get lower rates and get additional discounts that may be available.
Step 2: Obtain price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only give rate quotes from one company like Progressive or Farmers Insurance, while independent agents can give you price quotes from many different companies.
Step 3: Compare the new rates to your current policy premium to determine if you can save on Sebring insurance in Sacramento. If you find a better price and switch companies, ensure coverage does not lapse between policies.
Step 4: Provide notification to your current agent or company of your intention to cancel your current auto insurance policy and submit payment along with a signed and completed policy application for your new policy. Once received, place your new certificate of insurance with your vehicle’s registration.
A good tip to remember is that you use identical coverage information on every price quote and and to analyze as many carriers as you can. Doing this helps ensure a fair rate comparison and many rates to choose from.
We don’t have to point out that fact that car insurance companies want to prevent you from shopping around. People who shop around for a cheaper policy are inclined to switch car insurance companies because there are good odds of finding better rates. A recent survey revealed that consumers who shopped around annually saved $72 a month compared to policyholders who never shopped around for cheaper prices.
If saving the most money on insurance is your goal, learning the best way to shop and compare insurance premiums can make the process less intimidating.
The purpose of this article is to teach you a little about how to compare rates easily and some tips to save money. If you have a current insurance policy, you should be able to cut your premiums using the ideas you’re about to read. Vehicle owners just need to learn the proper methods to compare rates online.
Reducing your Chrysler Sebring insurance rates can be quick and easy. You just have to take a couple of minutes comparing free Sacramento auto insurance quotes to see which company has cheaper Sacramento auto insurance quotes.
Doing price comparisons online is so simple that it replaces the need to drive around to insurance agents’ offices. Comparing Chrysler Sebring insurance rates online eliminates the middleman unless you require the trained guidance that only an agent can give. You can, however, price shop your coverage online and have a local agent actually service the policy.
The providers in the list below are ready to provide price comparisons in California. If your goal is to find cheaper car insurance in California, we recommend you click on several of them to get the best price comparison.
Rates and detailed analysis
The coverage information shown below outlines a range of coverage costs for Chrysler Sebring models. Having insight into how auto insurance policy rates are determined can help guide drivers when making informed decisions when comparing rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sebring Touring 4-Dr Sedan | $326 | $834 | $500 | $30 | $150 | $1,840 | $153 |
| Sebring Limited 4-Dr Sedan | $326 | $834 | $500 | $30 | $150 | $1,840 | $153 |
| Sebring LX 2-Dr Convertible | $370 | $834 | $500 | $30 | $150 | $1,884 | $157 |
| Sebring Touring 2-Dr Convertible | $370 | $834 | $500 | $30 | $150 | $1,884 | $157 |
| Sebring Limited 2-Dr Convertible | $412 | $960 | $500 | $30 | $150 | $2,052 | $171 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Price information does not factor in garaging location in Sacramento which can influence premiums considerably.
Policy deductibles
When buying insurance, a common question is where to set your physical damage deductibles. The rates below summarize the rate difference when you select higher and lower coverage deductibles. The first price estimate table uses a $100 deductible and the second data table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sebring Touring 4-Dr Sedan | $380 | $810 | $442 | $26 | $132 | $1,815 | $151 |
| Sebring Limited 4-Dr Sedan | $380 | $810 | $442 | $26 | $132 | $1,815 | $151 |
| Sebring LX 2-Dr Convertible | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
| Sebring Touring 2-Dr Convertible | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
| Sebring Limited 2-Dr Convertible | $478 | $932 | $442 | $26 | $132 | $2,035 | $170 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sebring Touring 4-Dr Sedan | $278 | $546 | $442 | $26 | $132 | $1,424 | $119 |
| Sebring Limited 4-Dr Sedan | $278 | $546 | $442 | $26 | $132 | $1,424 | $119 |
| Sebring LX 2-Dr Convertible | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| Sebring Touring 2-Dr Convertible | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| Sebring Limited 2-Dr Convertible | $348 | $630 | $442 | $26 | $132 | $1,578 | $132 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Prices do not factor in specific garaging location which can decrease or increase coverage prices substantially.
Based on the figures above, using a $100 deductible will cost you about $33 more each month or $396 for a full year than buying the higher $500 deductible. Because you would be required to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you tend to average at a minimum 12 months between claims, you would probably be better off by selecting a higher deductible.
The example below shows how choosing a deductible and can influence Chrysler Sebring premium costs for different age groups of insureds. The information is based on a married female driver, comprehensive and collision coverage, and no additional discounts are factored in.
Drive responsibly or pay higher rates
The example below highlights how traffic violations and at-fault claims can affect Chrysler Sebring yearly insurance costs for each different age group. The premiums are based on a single female driver, full physical damage coverage, $1,000 deductibles, and no other discounts are factored in.
Why you need car insurance
Despite the high insurance cost for a Chrysler Sebring in Sacramento, car insurance may not be optional for several reasons.
First, almost all states have minimum liability requirements which means it is punishable by state law to not carry specific limits of liability 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 your car has a lienholder, most lenders will require that you buy full coverage to guarantee loan repayment. If you do not keep the policy in force, the bank may insure your Chrysler at an extremely high rate and force you to pay much more than you were paying before.
Third, car insurance preserves both your car and your personal assets. It also can pay for many types of medical costs that are the result of an accident. Liability insurance also pays for attorney fees and expenses if anyone sues you for causing an accident. If your vehicle suffers damage from an accident or hail, collision and comprehensive (also known as other-than-collision) coverage will cover the repair costs.
The benefits of having insurance more than offset the price you pay, specifically if you ever have a liability claim. But the average American driver is overpaying over $810 a year so you should quote and compare rates at every policy renewal to save money.
Learn How to Get Auto Insurance Cheaper
Consumers need to have an understanding of the rating factors that aid in calculating your premiums. If you have some idea of what influences your rates, this helps enable you to make changes that can earn you lower auto insurance prices.
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Teenagers are high risk – Young drivers in California are proven to be inattentive with other occupants in the car so auto insurance rates are higher. If you’ve ever had to add a young driver onto a policy can increase premiums substantially. Older drivers are proven to be safer behind the wheel, cause fewer claims and accidents, and receive fewer citations.
The data below assumes a single driver, full coverage with $100 deductibles, and no discounts or violations.
- Responsible credit equals lower premiums – Your credit history will be a significant factor in calculating your auto insurance rates. People with excellent credit tend to file fewer claims and have better driving records than drivers who have worse credit. If your credit rating could use some work, you could be paying less to insure your Chrysler Sebring by spending a little time repairing your credit.
- Certain vocations raise premiums – Occupations like military generals, airline pilots, and emergency personnel tend to have higher premium rates in part from job stress and extremely grueling work hours. Other careers like actors, athletes and performers have lower than average premiums.
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Women tend to take less risk – Statistics show that females take fewer risks when driving. However, this does not mean women are better drivers. Both genders cause auto accidents in similar percentages, but males get into accidents with more damage. In addition to higher claims, males also receive more major tickets such as reckless driving.
The illustration below shows the comparison of Chrysler Sebring insurance costs for male and female drivers. The premium estimates are based on a clean driving record, no at-fault accidents, comp and collision included, $1,000 deductibles, single marital status, and no discounts are factored in.
- Uninterrupted coverage saves money – Having a gap between insurance policy dates will be a sure-fire way to increase your rates. Not only will you pay more, failure to provide proof of insurance may result in fines or a revoked license. You could then be forced to submit proof of financial responsibility or a SR-22 with the California DMV.
- Marriage can save on auto insurance – Having a wife or husband may save some money compared to being single. Marriage means you’re more stable financially and insurance companies reward insureds because married drivers tend to have fewer serious accidents.
- Drive lots and pay more – Driving more miles annually the more it will cost to insure it. A lot of insurance companies calculate prices based on how the vehicle is used. Cars and trucks used primarily for pleasure use receive lower rates as compared to vehicles used primarily for driving to work. Verify your auto insurance coverage is showing the proper vehicle usage, because improper ratings can cost you money. Having the wrong rating on your Sebring may be costing you higher rates.
- Do you have enough liability? – The liability coverage on your policy will afford coverage if ever a court rules you are at fault for causing damage or personal injury in an accident. Your policy’s liability insurance provides you with a defense in court which can cost a lot. It is affordable coverage compared to physical damage coverage, so drivers should make sure they buy enough to cover all assets.
Get cheaper Chrysler Sebring insurance rates in Sacramento
Insurance can be prohibitively expensive, but there could be significant discounts that can help lower your rates. Some of these discounts will be visible when you quote, but less common discounts must be specially asked for before you will receive the discount.
- Home Ownership Discount – Just being a homeowner may earn you a small savings since owning and maintaining a home is proof that your finances are in order.
- Driving Data Discount – Policyholders that allow companies to analyze driving patterns by installing a telematics device like Allstate’s Drivewise might see lower rates if their driving habits are good.
- Club Memberships – Belonging to a civic or occupational organization in Sacramento can get you a small discount on your next car insurance statement.
- Sign Online – A few larger online companies will provide an incentive for completing your application on the web.
- Good Students Pay Less – Being a good student could provide a savings of up to 20% or more. Many companies even apply the discount to college students well after school through age 25.
- Save over 55 – Drivers that qualify as senior citizens may be able to get reduced rates.
Remember that some credits don’t apply to the entire policy premium. Most only cut the price of certain insurance coverages like liability, collision or medical payments. If you do the math and it seems like it’s possible to get free car insurance, it’s just not the way it works. But any discount will positively reduce your overall premium however.
The information below shows the comparison of Chrysler Sebring auto insurance costs with and without discounts applied to the premium. The rates are based on a male driver, no claims or violations, 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, claim-free, safe-driver, marriage, multi-car, and multi-policy discounts applied.
To choose insurance companies who offer car insurance discounts in Sacramento, click here.
Are auto insurance agents obsolete?
A small number of people still like to go talk to an agent and that is a smart decision Good agents are trained to spot inefficiencies and help submit paperwork. One of the great benefits of comparing insurance online is that drivers can save money and get cheap rate quotes and still buy from a local agent. Buying from local agents is definitely important in Sacramento.
To make it easy to find an agent, after completing this short form, your insurance data is emailed to participating agents in Sacramento who will give you bids to get your business. You won’t even need to drive around since price quotes are sent instantly to you. If for some reason you want to compare prices from a particular provider, you can always visit that company’s website and fill out their quote form.
If you are wanting to find a reliable agent, it’s helpful to know the different agency structures and how they differ in how they quote coverages. Agents may be either exclusive agents or independent agents. Either can write insurance policies, but it is important to understand the subtle differences because it can impact the selection process.
Independent Insurance Agents
Agents that choose to be independent are not employed by any specific company so they can write business with lots of companies and help determine which has the cheapest rates. If you want to switch companies, the agent simply finds a different carrier and that require little work on your part.
When comparing insurance prices, we highly recommend that you get several quotes from at a minimum one independent agency in order to have the best price comparison.
Featured below are Sacramento independent agencies that may be able to provide free rate quotes.
Foster and Parker Insurance Agency
2020 Hurley Way – Sacramento, CA 95825 – (916) 481-0689 – View Map
The United Brokers Insurance Agency Inc
7750 College Town Dr #101 – Sacramento, CA 95826 – (877) 223-4437 – View Map
Melissa Saites Nelson Insurance Agency, Inc.
4749 J St – Sacramento, CA 95819 – (916) 531-6061 – View Map
Exclusive Insurance Agents
Exclusive agents can only quote rates from one company and examples are Farmers Insurance, American Family, State Farm and Allstate. Exclusive agents are unable to compare rates from other companies so they have to upsell other benefits. Exclusive insurance agents are well schooled on what they offer and that enables them to sell even at higher rates.
Below are Sacramento exclusive agents that can give you price quotes.
Wally Navarrette – State Farm Insurance Agent
4030 S Land Park Dr d – Sacramento, CA 95822 – (916) 454-5331 – View Map
Darryl Fong – State Farm Insurance Agent
8489 Folsom Blvd – Sacramento, CA 95826 – (916) 388-1900 – View Map
Bill Batchelder – State Farm Insurance Agent
8887 Folsom Blvd #3a – Sacramento, CA 95826 – (916) 361-3114 – View Map
Finding the right insurance agent should depend on more than just a cheap price quote. These are some questions you should get answers to.
- How much will you save each year by using a higher deductible?
- Is working in the agency their full-time job?
- Is the coverage adequate for your vehicle?
- If they are an independent agency in Sacramento, which companies do they recommend?
- Will they take your side in the event of a claim?
Once you have received good responses and inexpensive Chrysler Sebring insurance in Sacramento quotes, chances are good that you have found a car insurance agent that will service your policy.
Which auto insurance company is best in California?
Selecting a good quality auto insurance company is difficult considering how many companies sell coverage in Sacramento. The company information shown next may help you choose which coverage providers to look at when comparing rates.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Auto insurance savings summarized
We covered a lot of ways to get a better price on Chrysler Sebring insurance in Sacramento. The key thing to remember is the more price quotes you have, the better chance you’ll have of finding low cost Sacramento auto insurance quotes. Drivers may even discover the most savings is with some of the lesser-known companies. Some small companies may often insure only within specific states and give better rates as compared to the big name companies such as State Farm, GEICO and Nationwide.
More affordable auto insurance in Sacramento is definitely available online in addition to many Sacramento insurance agents, and you should compare rates from both to have the best rate selection. Some auto insurance companies do not provide online price quotes and these small insurance companies work with independent insurance agents.
Additional resources
- Understanding Rental Car Insurance (Insurance Information Institute)
- Who Has Cheap Sacramento Car Insurance for a Chevrolet Silverado? (FAQ)
- Who Has the Cheapest Sacramento Car Insurance Rates for Safe Drivers? (FAQ)
- Who Has Affordable Auto Insurance Rates for 4×4 Vehicles in Sacramento? (FAQ)
- Who Has the Cheapest Sacramento Car Insurance Rates for Electric Cars? (FAQ)
- Who Has the Cheapest Car Insurance for a Toyota Tacoma in Sacramento? (FAQ)
- New head restraint design cuts injuries (Insurance Institute for Highway Safety)
- Air Bags: Potential Dangers to Your Children (Insurance Information Institute)