It’s safe to assume that auto insurance companies want to keep you from comparing rates. Insureds who shop for lower rates are inclined to move their business because there is a high probability of finding coverage at a cheaper rate. A recent auto insurance study revealed that people who regularly compared rates saved on average $865 a year compared to people who never compared prices.
If finding the lowest rates on auto insurance in Sacramento is the reason you’re here, then having a good understanding the best way to compare insurance premiums can make the process more efficient.
The most effective way to get budget Mitsubishi Mirage insurance in Sacramento is to compare prices once a year from different companies who sell auto insurance in California.
- First, take a few minutes and learn about how companies price auto insurance and the changes you can make to drop your rates. Many things that result in higher rates like careless driving and poor credit rating can be improved by making small lifestyle or driving habit changes.
- Second, request rate estimates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give rate quotes from one company like Progressive or Farmers Insurance, while agents who are independent can provide prices for many different companies.
- Third, compare the quotes to your current policy premium to see if a cheaper price is available. If you find a better price and decide to switch, make sure coverage does not lapse between policies.
- Fourth, give notification to your agent or company of your intention to cancel your current policy. Submit a completed application and payment to the new insurer. Immediately upon receiving it, put the certificate of insurance somewhere easily accessible.
An important part of this process is to try to use identical coverages on each quote and and to analyze as many companies as possible. Doing this helps ensure a fair price comparison and maximum price selection.
Finding and comparing affordable protection in Sacramento is not that difficult. Just about every car owner who needs more affordable insurance most likely will find a better price. Nevertheless, California car owners can benefit by having an understanding of the methods companies use to calculate your insurance rates because it can help you find the best coverage.
Compare Sacramento Mitsubishi Mirage insurance price quotes
Keep in mind that comparing a wide range of rates helps you find a lower rate than you’re paying now. Some regional insurers cannot provide online rate quotes, so it’s important to compare price estimates from them, too.
The providers in the list below provide free rate quotes in California. If multiple companies are listed, it’s a good idea that you visit two to three different companies in order to get a fair rate comparison.
Reduce your insurance rates with discounts
Car insurance can cost a lot, but there may be some discounts that you may not even be aware of. Many discounts should be triggered when you purchase, but occasionally some discounts must be specially asked for before being credited.
- Life Insurance Discount – Larger insurance companies have a discounted premium rate on car insurance if you buy a life insurance policy as well.
- Early Payment Discounts – If you pay your entire premium ahead of time rather than spreading payments over time you could save 5% or more.
- Save with More Vehicles Insured – Buying a policy with primary and secondary vehicles with the same insurance company can reduce rates for all insured vehicles.
- Seat Belt Discounts – Drivers who require all occupants to buckle up can save up to 10 percent (depending on the company) off the PIP or medical payment premium.
- Multiple Policy Discount – When you have multiple policies with the same company you could save over 10 percent off each policy depending on the company.
- Resident Student – Children who are enrolled in higher education away from home without a vehicle on campus can receive lower rates.
- Driving Data Discount – Insureds that choose to allow their insurance company to spy on their driving habits by using a telematics device like Allstate’s Drivewise may see discounts if they are good drivers.
- Passive Restraints and Air Bags – Vehicles equipped with air bags can get savings up to 30%.
- Discounts for New Vehicles – Buying a new car model can be considerably cheaper since new vehicles have better safety ratings.
Remember that many deductions do not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like collision or personal injury protection. Even though it appears all those discounts means the company will pay you, insurance companies aren’t that generous. Any qualifying discounts will lower your insurance premiums.
The best insurance companies and a summarized list of policyholder discounts are included below.
- State Farm may have discounts that include multiple autos, driver’s education, Steer Clear safe driver discount, good driver, good student, and passive restraint.
- GEICO has savings for federal employee, multi-vehicle, military active duty, multi-policy, air bags, and good student.
- Progressive may offer discounts for online signing, good student, homeowner, multi-policy, multi-vehicle, and online quote discount.
- 21st Century offers premium reductions for homeowners, defensive driver, early bird, good student, and driver training.
- American Family includes discounts for defensive driver, TimeAway discount, bundled insurance, air bags, mySafetyValet, good driver, and multi-vehicle.
- The Hartford offers discounts including anti-theft, good student, defensive driver, vehicle fuel type, driver training, air bag, and bundle.
- AAA policyholders can earn discounts including good driver, multi-policy, good student, anti-theft, AAA membership discount, education and occupation, and multi-car.
Before you buy a policy, ask each company or agent which credits you are entitled to. Savings may not be available in Sacramento.
Can’t I compare prices from local Sacramento insurance agencies?
A small number of people would rather get advice from a local agent and that is a personal choice. The biggest benefit of comparing insurance prices online is the fact that you can find lower rates and still have an agent to talk to. Supporting local insurance agencies is important particularly in Sacramento.
After filling out this short form, your coverage information is sent to local insurance agents who will give you bids for your auto insurance coverage. It’s much easier because you don’t need to search for an agent because prices are sent to you. You’ll get the best rates and a licensed agent to talk to. If you want to get a rate quote from a specific auto insurance provider, don’t hesitate to go to their quote page and submit a quote form there.
If you are searching for a reliable agent, you need to know there are two different agency structures and how they differ in how they quote coverages. Sacramento agents can be described as either independent (non-exclusive) or exclusive.
Independent Insurance Agents
These type of agents can sell policies from many different companies and that enables them to quote your coverage with multiple insurance companies and find the cheapest rate. If they quote lower rates, the business is moved internally which is easy for the insured.
When comparing rate quotes, we recommend you get rate quotes from independent agents in order to compare the most rates. Most also write with small mutual carriers which can save you money.
The following is a list of independent agencies in Sacramento that can give you free auto insurance rate quotes.
- Apna Insurance Agency
3022 Stockton Blvd #5 – Sacramento, CA 95820 – (916) 454-4495 – View Map - Cliff Cottam Insurance Services
1111 Howe Ave #535 – Sacramento, CA 95825 – (800) 807-6871 – View Map - Eugene C. Yates Insurance Agency
2021 P St – Sacramento, CA 95811 – (916) 313-6100 – View Map
Exclusive Auto Insurance Agencies
These agents are contracted to one company like Allstate, Farmers Insurance or State Farm. These agents are not able to compare rates from other companies so always compare other rates. These agents are very knowledgeable in insurance sales which helps overcome the inability to quote other rates. Consumers frequently buy insurance from these agents partially due to high brand loyalty rather than having the cheapest rates.
Listed below is a list of exclusive insurance agencies in Sacramento willing to provide price quotes.
- Sig Lindley – State Farm Insurance Agent
8110 Pocket Rd #201 – Sacramento, CA 95831 – (916) 428-7370 – View Map - GEICO: Vincent Harris
5211 Madison Ave – Sacramento, CA 95841 – (916) 923-5050 – View Map - State Farm Insurance: Max Lam
2840 Del Paso Rd #300 – Sacramento, CA 95834 – (916) 575-7600 – View Map
Choosing an insurance agent should include more criteria than just the premium amount. Any good agent in Sacramento should know the answers to these questions.
- Does the agency have a current Errors and Omissions policy?
- Do they offer rental car reimbursement?
- Do you qualify for any additional discounts?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Do they see any coverage gaps in your plan?
- Will one accident increase rates?
When should I discuss my situation with an agent?
When buying the best auto insurance coverage, there really is no one-size-fits-all type of policy. Every insured’s situation is different and a cookie cutter policy won’t apply.
Here are some questions about coverages that might point out whether or not you would benefit from an agent’s advice.
- Is my cargo covered for damage or theft?
- What are the liability requirements in my state?
- How long can I keep a teen driver on my policy?
- Does coverage extend to my business vehicle?
- When should my teen driver be added to my policy?
- Do I need more liability coverage?
- Am I covered if I break a side mirror?
- Am I better off with higher deductibles on my Mitsubishi Mirage?
- What is no-fault insurance?
If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier
How to Lower Your Insurance Premiums
Many things are taken into consideration when you quote your car insurance policy. A few of the factors are predictable like an MVR report, although some other factors are more transparent such as your marital status or your commute time.
Is your vehicle theft-ready? – Selecting a car model with an alarm system can help bring down rates. Anti-theft devices like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all aid in stopping vehicle theft.
Insure car and home with the same company – Most larger insurance companies afford better rates to customers that purchase more than one policy in the form of a multi-policy discount. If you currently are using one company, it’s in your best interest to compare other Sacramento Mirage insurance rates to help guarantee you have the best rates. It’s possible to still find lower rates by buying from different companies
Insurance rates in urban areas – Being located in small towns and rural areas is a good thing when insuring your vehicles. Lower population translates into fewer accident claims as well as less vandalism and auto theft. Urban drivers have more road rage incidents and much longer commute distances. Longer commute distances statistically corresponds to a higher accident and claim rate.
Higher auto insurance rates for auto insurance lapses – Driving without insurance coverage in place is against the law and auto insurance companies will penalize you for letting your coverage have a gap. And not only will your rates increase, not being able to provide proof of insurance might get you a revoked license or a big fine.
Affects performance affects auto insurance premiums – The performance level of the car you are insuring makes a huge difference in your rates. The lowest performance passenger cars generally have the cheapest insurance rates, but the cost you end up paying is determined by many additional factors.
Mitsubishi Mirage insurance loss probability – Insurance companies study historical loss data to help calculate premium rates. Vehicles that are shown to have a trend towards higher claims will have higher premium rates. The table below shows the historical insurance loss data for Mitsubishi Mirage vehicles.
For each policy coverage, the claim amount for all vehicles averaged together is equal to 100. Values that are below 100 suggest a positive loss record, while numbers above 100 indicate frequent claims or tendency to have higher losses.
| Vehicle Make and Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Mitsubishi Mirage | 135 | 108 | 119 | 215 | 242 | 159 |
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Car insurance is not optional
Even though it’s not necessarily cheap to insure a Mitsubishi in Sacramento, maintaining insurance serves an important purpose.
- The majority of states have minimum liability requirements which means you are required to buy specific minimum amounts of liability protection in order to be legal. 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.
- If your Mitsubishi has a lienholder, it’s most likely the lender will force you to buy insurance to ensure they get paid if you total the vehicle. If you default on your policy, the bank will be required to insure your Mitsubishi at a much higher premium rate and require you to pay the higher premium.
- Insurance protects your Mitsubishi and your assets. Insurance will pay for medical expenses incurred in an accident. Liability coverage will also pay for a defense attorney if someone files suit against you as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive (other-than-collision) and collision coverage will cover the repair costs.
The benefits of carrying adequate insurance are definitely more than the cost, particularly when you have a large claim. According to a survey of 1,000 drivers, the average driver overpays as much as $825 a year so it’s important to compare rates once a year at a minimum to ensure rates are competitive.
Affordable insurance rates are possible
Throughout this article, we presented many ideas to compare Mitsubishi Mirage insurance rates in Sacramento. The key concept to understand is the more price quotes you have, the better your chances of lowering your car insurance rates. You may even discover the most savings is with a small mutual company. Some small companies may only write in your state and offer lower car insurance rates than the large multi-state companies such as Allstate, GEICO and Progressive.
Some companies don’t offer the ability to get quotes online and usually these smaller providers work with independent insurance agents. Lower-priced Mitsubishi Mirage insurance in Sacramento can be purchased online in addition to many Sacramento insurance agents, so you need to compare both to have the best selection.
Much more information about insurance in California can be found on the following sites:
- Event Data Recorders FAQ (iihs.org)
- Who Has the Cheapest Car Insurance for 19 Year Olds in Sacramento? (FAQ)
- What Insurance is Cheapest for a Ford Fusion in Sacramento? (FAQ)
- How Much is Sacramento Car Insurance for a Jeep Wrangler? (FAQ)
- How Much are Sacramento Car Insurance Quotes for a Toyota Camry? (FAQ)
- How Much are Auto Insurance Rates for Good Students in Sacramento? (FAQ)
- Tread Depth and Tire Safety (State Farm)
- Liability Insurance Coverage (Nationwide)
- Protecting Teens from Drunk Driving (Insurance Information Institute)
- Booster Seat Ratings (iihs.org)