It’s an obvious assumption that insurance companies don’t want you shop around. Drivers who shop around will most likely move their business because of the high probability of finding coverage at a cheaper rate. A recent survey found that consumers who compared rates once a year saved over $3,450 over four years compared to other drivers who never shopped around for cheaper prices.
If finding the cheapest rates on car insurance in Sacramento is why you’re reading this, then having some insight into how to quote prices and compare coverage rates can make the process less intimidating.
Really, the only way to get the cheapest car insurance rates is to do an annual price comparison from companies who provide auto insurance in Sacramento.
Step 1: Take a little time to learn about how insurance companies determine prices and the measures you can control to prevent rate increases. Many rating factors that cause rate increases such as distracted driving and bad credit can be improved by making minor driving habit or lifestyle changes.
Step 2: Request price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can give quotes from a single company like GEICO or Farmers Insurance, while independent agencies can quote prices for a wide range of companies.
Step 3: Compare the new rate quotes to your existing rates to see if a cheaper price is available in Sacramento. If you find a lower rate quote, ensure coverage does not lapse between policies.
Step 4: Provide written notification to your current company to cancel your current policy and submit a down payment and signed policy application to your new company or agent. As soon as coverage is bound, safely store the proof of insurance certificate along with the vehicle’s registration papers.
A crucial key to this process is to try to use similar limits and deductibles on each price quote and and to get quotes from as many companies as possible. Doing this guarantees a fair rate comparison and plenty of rates choose from.
Quote Sacramento Porsche Boxster insurance online
Most companies such as State Farm, Allstate and GEICO provide coverage price quotes from their websites. Comparing Porsche Boxster insurance rates online is pretty easy because you just enter the coverage amounts you desire into the quote form. After you submit the form their rating system automatically retrieves your driving record and credit report and returns pricing information determined by many factors.
This streamlines rate comparisons, and it’s absolutely necessary to have as many quotes as possible in order to get lower-cost rates.
To quickly find out how much you’re overpaying now, compare rate quotes from the providers shown below. If you have your current policy handy, we recommend you enter the insurance coverages just like they are on your policy. Doing this assures you will receive a fair comparison using the same coverage and limits.
The following companies have been selected to offer free quotes in California. If multiple companies are listed, it’s a good idea that you get prices from several of them to get the best price comparison.
Companies offer many discounts on Porsche Boxster insurance in Sacramento
Some providers don’t always list every policy discount in an easy-to-find place, so the next list breaks down a few of the more well known as well as the least known discounts that you may qualify for.
- Federal Employees – Simply working for the federal government can save as much as 8% depending on your company.
- Senior Citizen Discount – If you qualify as a senior citizen, you can possibly qualify for a slight reduction on a Sacramento car insurance quote.
- Student Discounts – Being a good student may save as much as 25% on a Sacramento car insurance quote. This discount can apply until age 25.
- Home Ownership Discount – Just owning your own home can earn you a little savings since owning and maintaining a home is proof of financial responsibility.
- Accident-Free Discounts – Drivers who don’t have accidents have much lower rates when compared with accident-prone drivers.
- Passive Restraints – Vehicles equipped with air bags or motorized seat belts may earn rate discounts of up to 25% or more.
- Discounts for New Vehicles – Adding a new car to your policy is cheaper compared to insuring an older model.
Discounts reduce rates, but you should keep in mind that most discounts do not apply to the overall cost of the policy. Some only reduce specific coverage prices like liability, collision or medical payments. Just because you may think it’s possible to get free car insurance, company stockholders wouldn’t be very happy.
The example below illustrates the difference between Porsche Boxster insurance rates with and without discounts applied to the rates. The costs are based on a female driver, no accidents, no driving violations, California state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, homeowner, safe-driver, marriage, and multi-car discounts applied.
A list of insurance companies and their possible discounts are shown below.
- GEICO may have discounts that include air bags, membership and employees, defensive driver, good student, five-year accident-free, and driver training.
- Travelers policyholders can earn discounts including early quote, student away at school, save driver, continuous insurance, and driver training.
- Nationwide offers discounts including anti-theft, good student, multi-policy, easy pay, business or organization, defensive driving, and family plan.
- Farmers Insurance offers premium reductions for switch companies, teen driver, pay in full, electronic funds transfer, and alternative fuel.
- Esurance discounts include anti-lock brakes, good driver, online shopper, good student, and defensive driver.
- State Farm offers discounts for passive restraint, good driver, driver’s education, anti-theft, accident-free, and multiple autos.
- Progressive includes discounts for homeowner, multi-vehicle, online quote discount, good student, and continuous coverage.
- Mercury Insurance has savings for accident-free, age of vehicle, anti-theft, location of vehicle, and type of vehicle.
If you need low cost Sacramento car insurance quotes, ask each company or agent to apply every possible discount. All car insurance discounts may not apply to policyholders everywhere. To see insurers with significant discounts in Sacramento, click here to view.
Rates and other information
The table below showcases estimates of insurance coverage prices for Porsche Boxster models. Being aware of how rates are calculated is important to be able to make decisions on which coverage to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Boxster 2-Dr Convertible | $416 | $764 | $384 | $22 | $114 | $1,700 | $142 |
| Boxster S 2-Dr Convertible | $458 | $866 | $384 | $22 | $114 | $1,844 | $154 |
| Get Your Own Custom Quote Go | |||||||
Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Rate quotes do not factor in zip code location which can revise coverage rates noticeably.
Policy deductible comparison
When buying car insurance, a common question is which deductibles should you choose. The tables below highlight the differences in premium rates between low and high insurance deductibles. The first data set uses a $100 comprehensive and collision deductible and the second price grid uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Boxster 2-Dr Convertible | $478 | $932 | $376 | $22 | $112 | $1,945 | $162 |
| Boxster S 2-Dr Convertible | $528 | $1054 | $376 | $22 | $112 | $2,117 | $176 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Boxster 2-Dr Convertible | $266 | $490 | $376 | $22 | $112 | $1,266 | $106 |
| Boxster S 2-Dr Convertible | $292 | $556 | $376 | $22 | $112 | $1,358 | $113 |
| 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 homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Information does not factor in specific location information which can impact prices significantly.
Based on the above data, using a $100 deductible will cost you approximately $59 more each month or $708 for a full year than requesting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to go at a minimum 15 months between claim filings, you would save money if you choose a higher deductible.
Full coverage rates vs. liability-only
The example below compares Porsche Boxster annual premium costs with full physical damage coverage compared to only buying the minimum liability limits required in California. The rates are based on no tickets, no at-fault accidents, $250 deductibles, single status, and no policy discounts are applied.
When to drop comprehensive and collision coverage
There is no clear-cut formula of when to phase out physical damage coverage, but there is a broad guideline. If the yearly cost for physical damage coverage is more than about 10% of the settlement you would receive from your company, then you might want to consider buying only liability coverage.
For example, let’s pretend your Porsche Boxster settlement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company will settle for is $5,000 after paying the physical damage deductible. If you are paying more than $500 annually for your policy with full coverage, then it might be time to buy liability only.
There are some circumstances where dropping full coverage is not recommended. If you still have a loan on your vehicle, you must maintain physical damage coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should not consider dropping full coverage.
Compare rate quotes but buy from a neighborhood Sacramento auto insurance agent
A lot of people still like to go talk to an agent and that can be a great decision Agents are trained to spot inefficiencies and give you someone to call. A nice benefit of comparing car insurance online is the fact that you can find lower rates and still choose a local agent.
To make it easy to find an agent, after completing this short form, your information is instantly submitted to local insurance agents in Sacramento who will return price quotes for your car insurance coverage. There is no need to drive around as quotes are delivered to your email. If you wish to compare prices from a specific company, don’t hesitate to visit that company’s website and submit a quote form there.
Choosing the best provider should depend on more than just a low price. Here are some questions to ask:
- Do they write coverage based solely on cost?
- Do they reduce claim amounts on high mileage vehicles?
- Do they have a Better Business Bureau rating in Sacramento?
- What is the financial rating for the quoted company?
- Do you work with a CSR or direct with the agent?
- Does the company have a local claim office in Sacramento?
- Do they get paid more for recommending certain coverages?
Do you need an independent or exclusive auto insurance agent?
If you are wanting to purchase car insurance from a good Sacramento insurance agent, you must know there are a couple different types of agencies and how they can quote your rates. Agents in Sacramento are classified as either independent or exclusive depending on the company they work for. Both insure your vehicles, but it’s important to know the subtle differences because it can influence the type of agent you choose.
Exclusive Agencies
Exclusive agents can only provide one company’s prices such as AAA, Allstate, and State Farm. These agents are unable to compare rates from other companies so they are skilled at selling on more than just price. Exclusive agents are trained well on the products they sell which helps them sell on service rather than price. Some consumers prefer to purchase coverage from exclusives partially due to the prominent brand name and strong financial ratings.
The following are exclusive insurance agencies in Sacramento willing to provide rate quotes.
- Sig Lindley – State Farm Insurance Agent
8110 Pocket Rd #201 – Sacramento, CA 95831 – (916) 428-7370 – View Map - Tim Kwong – State Farm Insurance Agent
1035 Jefferson Blvd #5 – West Sacramento, CA 95691 – (916) 371-4730 – View Map - Greg Lauck – State Farm Insurance Agent
950 Fulton Ave #175 – Sacramento, CA 95825 – (916) 978-9110 – View Map
Independent Car Insurance Agencies
These type of agents are not limited to a single company so they can write business with an assortment of companies depending on which coverage is best. If your premiums go up, the business is moved internally without you having to go to a different agency. If you need cheaper car insurance rates, we highly recommend that you get several quotes from several independent insurance agents so that you can do a thorough price comparison. Many independent agencies also insure through lesser-known insurance companies which may provide better rates.
Listed below are Sacramento independent insurance agencies who can help you get rate quotes.
- Ice Insurance Agency
813 F St – Sacramento, CA 95814 – (916) 387-6800 – View Map - Nationwide Insurance: Ham Insurance Agency Inc
2210 Del Paso Rd e – Sacramento, CA 95834 – (916) 419-8228 – View Map - Bates Insurance Agency | Auto Insurance and Homeowners Insurance and Car Insurance
2306 J St – Sacramento, CA 95816 – (916) 251-3548 – View Map
Upon receiving satisfactory answers to any questions you have as well as a affordable price, you may have found an insurance agency that will provide car insurance coverage.
Auto insurance is unique, just like you
When selecting insurance from an agent or online, there really is not a best way to insure your cars. Every insured’s situation is different.
Here are some questions about coverages that can help discover whether or not you could use an agent’s help.
- Which companies will insure high-risk drivers?
- Is my ex-spouse still covered by my policy?
- Am I covered while delivering pizza?
- Is business equipment covered while in my vehicle?
- Can my teen driver be rated on a liability-only vehicle?
- How do I file an SR-22 for a DUI in California?
- What is PIP insurance?
- Do I need an umbrella policy?
- Will filing a claim cost me more?
- Do I need added coverage for expensive stereo equipment?
If you don’t know the answers to these questions but a few of them apply then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and can provide invaluable advice.
Sacramento auto insurance companies
Insuring your vehicle with a highly-rated insurance provider can be difficult considering how many companies are available to choose from in Sacramento. The information in the lists below could help you pick which coverage providers to look at when looking for cheaper rates.
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
Coverages available on your auto insurance policy
Understanding the coverages of auto insurance can be of help when determining the right coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.
Comprehensive auto insurance – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers things such as vandalism, hitting a bird, rock chips in glass and theft. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Coverage for uninsured or underinsured drivers – This coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as damage to your Porsche Boxster.
Since many California drivers carry very low liability coverage limits (15/30/5 in California), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.
Collision coverage – Collision insurance pays for damage to your Boxster resulting from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers claims like colliding with a tree, hitting a parking meter, damaging your car on a curb, sideswiping another vehicle and scraping a guard rail. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible on your Boxster to bring the cost down.
Auto liability – Liability coverage can cover damage or injury you incur to people or other property. It protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 15/30/5 which means a $15,000 limit per person for injuries, a per accident bodily injury limit of $30,000, and $5,000 of coverage for damaged property.
Liability coverage protects against claims like structural damage, legal defense fees, loss of income, emergency aid and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as high a limit as you can afford. California state law requires minimum liability limits of 15/30/5 but it’s recommended drivers buy better liability coverage.
The next chart demonstrates why the minimum limit may not be high enough to cover claims.
Coverage for medical expenses – Med pay and PIP coverage kick in for expenses for doctor visits, nursing services, hospital visits, dental work and ambulance fees. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers both the driver and occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage
Quote more to save more
A few companies do not provide internet price quotes and many times these smaller providers sell through independent insurance agencies. Cheaper Porsche Boxster insurance in Sacramento is definitely available both online and with local Sacramento insurance agents, so compare prices from both to have the best chance of lowering rates.
Throughout this article, we presented many ways to lower your Porsche Boxster insurance auto insurance rates in Sacramento. The most important thing to understand is the more providers you compare, the better your chances of lowering your premium rates. You may even be surprised to find that the most savings is with some of the lesser-known companies.
When buying insurance coverage, make sure you don’t reduce coverage to reduce premium. There are too many instances where someone sacrificed full coverage to discover at claim time they didn’t purchase enough coverage. Your goal is to get the best coverage possible for the lowest price while not skimping on critical coverages.
More information
- Auto Insurance FAQ (Farmers Insurance)
- Who Has the Cheapest Auto Insurance for High Mileage Drivers in Sacramento? (FAQ)
- What Insurance is Cheapest with Multiple Speeding Tickets in Sacramento? (FAQ)
- How Much are Sacramento Car Insurance Quotes for a Toyota Camry? (FAQ)
- Who Has Cheap Sacramento Auto Insurance Quotes for Handicapped Drivers? (FAQ)
- State Car Insurance Guides (GEICO)
- Speed and Speed Limit FAQ (iihs.org)
- Uninsured Motorist Statistics (Insurance Information Institute)
- How do I File a Claim? (Insurance Information Institute)