Save Money on Buick LaCrosse Insurance in Sacramento

Are you tired of trying to scrape together enough money to pay car insurance each month? You are in the same boat as many other California consumers.

A recent survey discovered that most car insurance customers have purchased from the same company for a minimum of four years, and nearly the majority have never even shopped around for affordable coverage. The average driver in Sacramento could save almost $469 every year by just shopping around, but they don’t know the benefits if they changed companies. Since vehicle owners have many insurance providers from which to choose, it is very difficult to locate the lowest price car insurance company.

Quoting the most affordable auto insurance in Sacramento is simple if you know the tricks. If you have coverage now or are just looking to switch companies, you can follow these tips to find the best rates and still get good coverage. Vehicle owners only have to learn the most time-saving way to buy auto insurance using one simple form.

The companies in the list below offer quotes in California. If you want cheap auto insurance in Sacramento, it’s a good idea that you compare several of them to get the most competitive price.

Cheap Sacramento car insurance quotes with discounts

Car insurance is not cheap, but discounts can save money and there are some available that many consumers don’t even know exist. Some trigger automatically at the time of purchase, but a few need to be specifically requested before you get the savings.

• Payment Method – By paying your policy upfront instead of monthly or quarterly installments you could save up to 5%.
• Senior Citizen Rates – Drivers that qualify as senior citizens may receive lower premium rates.
• Seat Belts Save more than Lives – Drivers who always wear seat belts and also require passengers to buckle up before driving can save a little off the personal injury premium cost.
• Defensive Driver Discount – Passing a safe driver course is a good idea and can lower rates if you qualify.
• Bundle and Save – If you can bundle your home and auto insurance with one insurance company you may save as much as 10 to 15 percent.
• E-sign – A few larger online companies will give you a small discount shop Sacramento car insurance on the internet.
• Discount for Swiching Early – A few insurance companies allow discounts for switching policies early. This can save 10% or more.
• Waiver for an Accident – Not really a discount, but companies like Liberty Mutual, GEICO and Allstate will forgive one accident before your rates go up as long as you don’t have any claims prior to being involved in the accident.
• Anti-lock Brake Discount – Cars and trucks equipped with ABS or steering control are safer to drive and therefore earn up to a 10% discount.

Just know that many deductions do not apply to the entire cost. Most only cut specific coverage prices like physical damage coverage or medical payments. If you do the math and it seems like you would end up receiving a 100% discount, companies wouldn’t make money that way. But all discounts will positively reduce the cost of your policy.

The chart below illustrates the difference between Buick LaCrosse car insurance rates with and without discounts. The rates are based on a male driver, no accidents or driving violations, California state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, multi-policy, claim-free, homeowner, and safe-driver discounts applied.

Car insurance companies who may offer some of the above discounts possibly include:

• Farm Bureau
• Liberty Mutual
• State Farm
• Auto-Owners Insurance
• GEICO
• SAFECO

Before you buy a policy, ask each company or agent which credits you are entitled to. All car insurance discounts may not apply to policyholders in your area. To locate insurance companies that offer many of these discounts in California, follow this link.

Coverage analysis

The premium table displayed below covers estimates of insurance coverage prices for Buick LaCrosse models. Learning as much as possible about how insurance policy premiums are figured can assist in making smart choices when selecting a coverage provider.

Above prices assume married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Prices do not factor in garaging location in Sacramento which can affect coverage prices significantly.

Higher deductibles lower rates

When comparing auto insurance rates, the most common question is which comprehensive and collision deductibles to buy. The comparisons below illustrate the rate difference when you buy lower versus higher physical damage deductibles. The first set of rates uses a $100 deductible for physical damage and the second set of prices uses a $1,000 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Price information does not factor in garaging location in Sacramento which can alter insurance rates greatly.

Based on the above data, using a $100 deductible will cost you about $50 more each month or $600 annually than requesting the higher $1,000 deductible. Because you would be required to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you average more than 18 months between claims, you would probably save some money by selecting a higher deductible.

Impact of violations and accidents on rates in Sacramento

The diagram below demonstrates how speeding tickets and fender-benders drive up Buick LaCrosse auto insurance costs for different ages of insureds. The information is based on a married male driver, full coverage, $250 deductibles, and no discounts are applied.

Buick LaCrosse insurance rates: Men versus women

The information below illustrates the difference between Buick LaCrosse annual premium costs for male and female drivers. The price estimates are based on no claims or driving violations, full physical damage coverage, $1,000 deductibles, marital status is single, and no policy discounts are applied.

Local Sacramento insurance agents

Certain consumers still like to sit down with an agent and that is recommended in a lot of cases Professional agents will help you protect your assets and will help you if you have claims. A nice benefit of comparing rates online is that you can find lower rates and still have a local agent. And supporting local insurance agencies is especially important in Sacramento.

After completing this form (opens in new window), your insurance coverage information is emailed to companies in Sacramento who will give you bids for your car insurance coverage. You never need to do any legwork as quotes are delivered to the email address you provide. If you need to quote rates for a specific company, feel free to navigate to their website and give them your coverage information.

If you would like to find a reputable agency, it’s important to understand the different types of agents and how they operate. Car insurance agencies are either independent or exclusive depending on the company they work for. Both types can do a good job, but it is a good idea to know the subtle differences because it may have an impact on buying decisions.

Independent Agencies or Brokers

Independent agencies are not locked into one company and that is an advantage because they can write policies through many different car insurance companies enabling the ability to shop coverage around. If they find a lower price, your policy is moved internally and you don’t have to switch agencies.

When searching for an agent, you will definitely want to compare quotes from a few independent agents for the best price selection.

Shown below is a short list of independent agencies in Sacramento that may be able to give you free rate quotes.

View more Sacramento agents

Exclusive Agencies

Exclusive agencies normally can only provide a single company’s rates and some examples include American Family, State Farm, and AAA. These agents are unable to provide prices from multiple companies so they have no alternatives for high prices. Exclusive agents receive extensive training in insurance sales and that allows them to sell at a higher price point.

Listed below are Sacramento exclusive agencies who can help you get rate quotes.

View more Sacramento agents

Finding the right auto insurance agent should depend on more than just the price. The following questions are important to ask.

• Does the agency have a positive business rating?
• Is there a Errors and Omissions policy in force?
• Are all drivers listed on the coverage quote?
• How is replacement cost determined on your vehicle?
• Do they have cheaper tiers of coverage?
• Do the companies they represent have a solid financial rating?

Which car insurance company is best in California?

Buying coverage from the highest-rated auto insurance company is difficult considering how many different companies sell coverage in California. The ranking data displayed below can help you pick which insurers to look at comparing prices from.

Top 10 Sacramento Car Insurance Companies Ranked by Customer Satisfaction

1. Titan Insurance – 95%
2. USAA – 94%
3. AAA of Southern California – 92%
4. AAA Insurance – 91%
5. Nationwide – 90%
6. State Farm – 90%
7. The Hartford – 89%
8. GEICO – 89%
9. The General – 88%
10. 21st Century – 88%

Top 10 Sacramento Car Insurance Companies by A.M. Best Rank

1. USAA – A++
2. Travelers – A++
3. State Farm – A++
4. GEICO – A++
5. Esurance – A+
6. Nationwide – A+
7. Allstate – A+
8. Mercury Insurance – A+
9. Progressive – A+
10. Titan Insurance – A+

Information about specific coverages

Learning about specific coverages of your policy aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find the normal coverages available from insurance companies.

Liability coverages

This will cover damages or injuries you inflict on other people or property. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 15/30/5 which stand for $15,000 bodily injury coverage, a per accident bodily injury limit of $30,000, and a limit of $5,000 paid for damaged property. Occasionally you may see a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things such as legal defense fees, bail bonds, structural damage and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford. California requires drivers to carry at least 15/30/5 but you should consider buying more coverage.

The chart below demonstrates why buying the state minimum limits may not be adequate.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your Buick LaCrosse.

Due to the fact that many California drivers only purchase the least amount of liability that is required (15/30/5 in California), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time these coverages do not exceed the liability coverage limits.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims like rock chips in glass, damage from a tornado or hurricane, falling objects, damage from getting keyed and vandalism. The maximum payout your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical costs insurance

Coverage for medical payments and/or PIP pay for short-term medical expenses like hospital visits, pain medications, X-ray expenses and dental work. They are often utilized in addition to your health insurance plan or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision protection

Collision insurance covers damage to your LaCrosse resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as crashing into a building, colliding with another moving vehicle and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible on your LaCrosse to bring the cost down.

More quotes mean more insurance savings

Discount Buick LaCrosse insurance in Sacramento can be found both online as well as from insurance agents, so you should be comparing quotes from both to have the best rate selection. Some insurance providers do not provide online quoting and usually these small insurance companies sell through independent insurance agents.

When you buy Sacramento car insurance online, don’t be tempted to reduce needed coverages to save money. In too many instances, an accident victim reduced collision coverage only to find out that their decision to reduce coverage ended up costing them more. The aim is to buy enough coverage at an affordable rate while still protecting your assets.

How to buy low-cost Buick LaCrosse insurance in Sacramento

The recommended way to get discount Buick LaCrosse insurance in Sacramento is to start doing a yearly price comparison from companies in California.

Step 1: Try to learn about how insurance companies determine prices and the steps you can take to lower rates. Many rating criteria that cause high rates such as accidents, traffic violations, and bad credit can be remedied by paying attention to minor details.

Step 2: Compare prices from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give rate quotes from one company like Progressive or Allstate, while independent agents can give you price quotes from multiple insurance companies.

Step 3: Compare the new rate quotes to the price on your current policy to determine if you can save on LaCrosse insurance in Sacramento. If you find a better price and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.

Step 4: Give notification to your current company to cancel your current coverage. Submit a down payment along with a completed application to your new company or agent. Make sure you put the certificate verifying proof of insurance in an easily accessible location in your vehicle.

One piece of advice is that you’ll want to compare the same physical damage deductibles and liability limits on each quote request and and to get rate quotes from as many carriers as you can. Doing this guarantees a level playing field and the best rate selection.

Even more information is located by following these links:

• Dangers of fake or stolen airbags (Insurance Institute for Highway Safety)
• Who Has Affordable Sacramento Car Insurance Quotes for Ride Shares? (FAQ)
• What Auto Insurance is Cheapest for 18 Year Olds in Sacramento? (FAQ)
• All About Airbag Safety (State Farm)
• What is Gap Insurance? (Insurance Information Institute)