The recommended way to find cheaper quotes for car insurance rates is to make a habit of comparing prices annually from providers in Sacramento.
First, read about car insurance and the measures you can take to keep rates in check. Many policy risk factors that cause high rates like multiple speeding tickets and poor credit rating can be amended by making minor driving habit or lifestyle changes.
Second, compare prices from direct, independent, and exclusive agents. Exclusive and direct companies can only provide price estimates from a single company like GEICO and State Farm, while agents who are independent can give you price quotes from multiple companies.
Third, compare the price quotes to your current policy to see if cheaper City Express coverage is available in Sacramento. If you find a lower rate quote and decide to switch, ensure there is no coverage lapse between policies.
One bit of advice is to make sure you enter identical coverages on every quote and and to get rates from all possible companies. Doing this guarantees an accurate price comparison and a complete price analysis.
Unthinkable but true, over 70% of California drivers kept their policy with the same company for at least four years, and 38% of drivers have never compared rates to find lower-cost insurance. American drivers could save an average of $859 each year just by getting comparison quotes, but they don’t understand how simple it is to compare rates.
If you currently have a car insurance policy, you should be able to get lower rates using the ideas you’re about to read. These techniques will let you in on how car insurance quotes work and some tricks to saving. But California vehicle owners should learn the methods companies use to price insurance differently because it can help you find the best coverage.
Determine discounts on Sacramento car insurance
Insuring your fleet can be pricey, but you might be missing out on some discounts that could drop your premiums quite a bit. A few discounts will be applied when you quote, but some discounts are required to be inquired about prior to getting the savings.
- Multiple Cars – Buying coverage for more than one vehicle on one policy could earn a price break for each car.
- Passenger Safety Discount – Factory options such as air bags or automatic seat belts can get savings of more than 20%.
- Distant Student – Kids who are enrolled in a college that is more than 100 miles from Sacramento without a vehicle on campus may qualify for this discount.
- Low Mileage Discounts – Keeping the miles down on your Chevy can qualify you for lower premium rates on the low mileage vehicles.
- Accident Free – Drivers who don’t have accidents get the best car insurance rates in comparison with policyholders that have many claims.
As a footnote on discounts, most discount credits are not given to your bottom line cost. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.
The illustration below visualizes the comparison of Chevy City Express annual premium costs with and without some available policy discounts. The costs are based on a female driver, a clean driving record, no at-fault accidents, 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 multi-car, marriage, claim-free, homeowner, multi-policy, and safe-driver discounts applied.
To locate providers who offer car insurance discounts in California, follow this link.
Compare Sacramento Chevy City Express insurance quotes
Just keep in mind that comparing all the rates in your area helps improve the odds of finding a lower rate than you’re paying now. Not every company does online price quotes, so it’s necessary to compare rates from them, too.
The companies shown below have been selected to offer quotes in Sacramento, CA. If your goal is to find the best cheap car insurance in Sacramento, it’s highly recommended you click on several of them in order to get a fair rate comparison.
Chevy City Express insurance analysis
The table shown next outlines a range of policy rates for Chevy City Express models. Knowing how auto insurance premiums are determined can help customers make smart choices when buying a car insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| City Express Cargo 2500 2WD | $322 | $554 | $450 | $26 | $134 | $1,486 | $124 |
| City Express Cargo 1500 2WD | $322 | $672 | $450 | $26 | $134 | $1,604 | $134 |
| City Express Cargo 3500 2WD | $368 | $672 | $450 | $26 | $134 | $1,650 | $138 |
| City Express 2500 LT 2WD | $368 | $672 | $450 | $26 | $134 | $1,650 | $138 |
| City Express 2500 2WD | $368 | $672 | $450 | $26 | $134 | $1,650 | $138 |
| City Express 2500 LS 2WD | $368 | $672 | $450 | $26 | $134 | $1,650 | $138 |
| City Express 3500 2WD | $368 | $672 | $450 | $26 | $134 | $1,650 | $138 |
| City Express Cargo 1500 AWD | $368 | $672 | $450 | $26 | $134 | $1,650 | $138 |
| City Express 1500 LS 2WD | $368 | $672 | $450 | $26 | $134 | $1,650 | $138 |
| City Express 1500 LS AWD | $368 | $792 | $450 | $26 | $134 | $1,770 | $148 |
| City Express 1500 AWD | $368 | $792 | $450 | $26 | $134 | $1,770 | $148 |
| City Express 1500 LT 2WD | $368 | $792 | $450 | $26 | $134 | $1,770 | $148 |
| City Express Cargo 1500 Turbo Diesel 2WD | $368 | $792 | $450 | $26 | $134 | $1,770 | $148 |
| City Express Cargo 2500 Turbo Diesel 2WD | $416 | $792 | $450 | $26 | $134 | $1,818 | $152 |
| City Express 3500 LT 2WD | $416 | $792 | $450 | $26 | $134 | $1,818 | $152 |
| City Express 3500 LS 2WD | $416 | $792 | $450 | $26 | $134 | $1,818 | $152 |
| City Express 3500 2WD | $416 | $792 | $450 | $26 | $134 | $1,818 | $152 |
| City Express 1500 LT AWD | $416 | $792 | $450 | $26 | $134 | $1,818 | $152 |
| City Express Cargo 3500 Turbo Diesel 2WD | $416 | $792 | $450 | $26 | $134 | $1,818 | $152 |
| City Express Cargo 1500 Turbo Diesel AWD | $416 | $792 | $450 | $26 | $134 | $1,818 | $152 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Price estimates do not factor in specific garaging location which can increase or decrease coverage prices noticeably.
The information below highlights how deductible choice and can increase or decrease Chevy City Express insurance costs for each different age group. The prices are based on a single male driver, full coverage, and no policy discounts are applied.
Responsible drivers pay cheaper Sacramento auto insurance rates
The diagram below highlights how traffic violations and accident claims influence Chevy City Express insurance premiums for each different age category. The costs are based on a married female driver, comp and collision included, $1,000 deductibles, and no discounts are applied to the premium.
Your car insurance coverage should be tailored to you
When buying adequate coverage for your personal vehicles, there is no single plan that fits everyone. Each situation is unique and your car insurance should be unique as well.
For example, these questions may help you determine if you may require specific advice.
- Am I covered if I back into my garage door?
- Does my insurance cover my expensive audio equipment?
- Can I get by with minimal medical coverage if I have good health insurance?
- Am I covered if my car is in a flood?
- Does my Chevy City Express need full coverage?
- Why do I only qualify for high-risk insurance?
- Which companies are cheaper for teen drivers?
- Who is covered by my policy?
If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier
Buying from insurance agents
A lot of people still like to talk to a local agent and that can be a smart move A good thing about comparing rate quotes online is you may find lower rates and still choose a local agent. And providing support for neighborhood agents is still important in Sacramento.
By using this simple form, the quote information is sent to local insurance agents in Sacramento who will gladly provide quotes for your coverage. You don’t have to leave your computer due to the fact that quote results will go directly to you. You’ll get the best rates and work with a local agent. If for some reason you want to get a price quote from a specific car insurance provider, don’t hesitate to find their quoting web page to submit a rate quote request.
When researching a local Sacramento insurance agent, it’s important to understand the types of agencies that you can select. Sacramento agents are either exclusive or independent agents depending on their company appointments.
Independent Car Insurance Agents (or Brokers)
Independent agencies do not have single company limitations and that is an advantage because they can write policies through many companies and potentially find a lower price. If your agent finds better pricing, they simply move your policy to a different company and you can keep the same agent.
When comparing rate quotes, you need to compare prices from several independent agencies for maximum quote selection. Most can insure with smaller regional carriers which may have better rates.
Below is a small list of independent agencies in Sacramento that may be able to give price quotes.
- Nationwide Insurance: Wellco Insurance Agency Inc
6905 Stockton Blvd Ste 230 – Sacramento, CA 95823 – (916) 399-8113 – View Map - McClatchy Insurance Agency
2410 Fair Oaks Blvd #140 – Sacramento, CA 95825 – (916) 488-4702 – View Map - Castro Property and Commercial Insurance
155 15th St c – West Sacramento, CA 95691 – (916) 482-9600 – View Map
Exclusive Agents
Exclusive agents can only place business with one company and examples are State Farm or Allstate. These agents are unable to provide rate quotes from other companies so if the price isn’t competitive there isn’t much they can do. Exclusive agents are very knowledgeable on their products and sales techniques which helps them sell insurance even at higher premiums. Some insured continue to buy from the same agent for years mostly because of the brand legacy and strong financial ratings.
Listed below is a short list of exclusive agencies in Sacramento that can give you price quotes.
- Ron Andre – State Farm Insurance Agent
394 Florin Rd – Sacramento, CA 95831 – (916) 428-2918 – View Map - Farmers Insurance – Wayne Wong
2015 Q St – Sacramento, CA 95811 – (916) 760-7858 – View Map - Darryl Fong – State Farm Insurance Agent
8489 Folsom Blvd – Sacramento, CA 95826 – (916) 388-1900 – View Map
Finding the right insurance agency shouldn’t rely on just a low price. Any agent in Sacramento should be willing to answer these questions.
- Does the company have a solid financial rating?
- Where would your vehicle be repaired?
- Is there a 24/7 contact number?
- Is every driver in your family covered?
- Does the company use OEM repair parts?
- Will the quote change when the policy is issued?
- Are they full-time agents?
Once you have received positive feedback to all your questions as well as the cheapest Chevrolet City Express insurance in Sacramento quotes, it’s possible that you found an auto insurance agent that meets the requirements to properly service your car insurance policy.
Persistent drivers can save
While you’re price shopping online, don’t be tempted to buy poor coverage just to save money. There are a lot of situations where an accident victim reduced full coverage only to discover later that they should have had better coverage. Your objective should be to buy the best coverage you can find at a price you can afford, but do not skimp to save money.
The cheapest Chevy City Express insurance in Sacramento is available on the web as well as from independent agents in Sacramento, and you should be comparing both to get a complete price analysis. Some companies do not offer online price quotes and usually these regional carriers sell through independent agencies.
Additional learning opportunities
- Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
- Who Has Cheap Sacramento Car Insurance Quotes for Low Mileage Drivers? (FAQ)
- Who Has Affordable Car Insurance Rates for a Dodge Journey in Sacramento? (FAQ)
- Who Has Affordable Sacramento Auto Insurance for a Dodge Ram? (FAQ)
- What is the Best Auto Insurance in Sacramento, CA? (FAQ)
- How Much is Sacramento Auto Insurance for Unemployed Drivers? (FAQ)
- Safety Belts FAQ (iihs.org)
- Teen Driving Statistics (iihs.org)