Surprisingly, a recent survey revealed that a large majority of drivers kept their coverage with the same insurance company for more than four years, and about 40% of consumers have never compared rates from other carriers. California drivers can save 35% each year by just comparing quotes, but most undervalue the amount of savings they would get if they moved their coverage to a different company.
The most effective way to find the cheapest price for Toyota Yaris insurance is to regularly compare price quotes from insurers in Sacramento. Price quotes can be compared by following these guidelines.
First, get a basic knowledge of the coverage provided by your policy and the things you can control to prevent expensive coverage. Many policy risk factors that result in higher rates such as inattentive driving and a not-so-good credit history can be controlled by making minor changes in your lifestyle. Continue reading for ideas to keep prices down and find possible discounts that are available.
Second, obtain price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can give quotes from one company like GEICO or Allstate, while independent agents can provide rate quotes for a wide range of companies. View a list of agents
Third, compare the new rate quotes to your existing rates and determine if cheaper Yaris coverage is available. If you can save money and change companies, ensure coverage does not lapse between policies.
Fourth, notify your agent or company of your decision to cancel your current policy. Submit a down payment along with a signed application to your new insurance company. Once the paperwork is finalized, put the new proof of insurance paperwork with the vehicle registration.
A key point to remember is to compare the same liability limits and deductibles on every quote request and and to look at every company you can. This enables a fair rate comparison and the best price quote selection.
Locating the best insurance company for you in Sacramento is quite easy if you know the best way to do it. Practically every vehicle owner who carries auto insurance will most likely find a lower price. But California vehicle owners can benefit from knowing the way insurance companies sell online and use this information to your advantage.
When shopping for Toyota Yaris insurance in Sacramento there are multiple ways to compare prices from many car insurance companies in California. The recommended way to find cheaper Toyota Yaris rates involves getting comparison quotes online.
Getting free rates online is quite simple, and it makes it obsolete to actually drive to insurance agencies in your area. The ability to buy insurance online makes this unnecessary unless you have a complicated situation and need the extra assistance that can only be provided by a licensed insurance agent. Drivers can compare the best prices online and have a local agent actually service the policy. When comparison shopping, comparing more prices helps locate more affordable insurance.
The following companies can provide price quotes in California. To locate the cheapest car insurance in Sacramento, CA, we recommend you visit several of them to get the best price comparison.
Toyota Yaris detailed coverage information
The table shown below highlights estimates of insurance premium costs for Toyota Yaris models. Learning a little about how insurance policy premiums are figured can assist in making informed coverage decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Yaris 2-Dr Hatchback | $184 | $362 | $500 | $30 | $150 | $1,226 | $102 |
| Yaris 4-Dr Hatchback | $184 | $362 | $442 | $26 | $132 | $1,146 | $96 |
| Yaris 4-Dr Sedan | $184 | $362 | $442 | $26 | $132 | $1,146 | $96 |
| Yaris S 2-Dr Hatchback | $210 | $362 | $500 | $30 | $150 | $1,252 | $104 |
| Yaris S 4-Dr Hatchback | $210 | $362 | $442 | $26 | $132 | $1,172 | $98 |
| Yaris S 4-Dr Sedan | $210 | $362 | $442 | $26 | $132 | $1,172 | $98 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Prices do not factor in specific location which can affect prices noticeably.
Physical damage deductibles
When comparing insurance rates, the most common question is where to set your physical damage deductibles. The following insurance rates lay out the differences in premium rates of buying low and high coverage deductibles. The first set of rates uses a $100 deductible for comp and collision and the second price chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Yaris 2-Dr Hatchback | $332 | $686 | $500 | $30 | $150 | $1,723 | $144 |
| Yaris 4-Dr Hatchback | $332 | $686 | $442 | $26 | $132 | $1,643 | $137 |
| Yaris 4-Dr Sedan | $332 | $686 | $442 | $26 | $132 | $1,643 | $137 |
| Yaris S 2-Dr Hatchback | $380 | $686 | $500 | $30 | $150 | $1,771 | $148 |
| Yaris S 4-Dr Hatchback | $380 | $686 | $442 | $26 | $132 | $1,691 | $141 |
| Yaris S 4-Dr Sedan | $380 | $686 | $442 | $26 | $132 | $1,691 | $141 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Yaris 2-Dr Hatchback | $184 | $362 | $500 | $30 | $150 | $1,226 | $102 |
| Yaris 4-Dr Hatchback | $184 | $362 | $442 | $26 | $132 | $1,146 | $96 |
| Yaris 4-Dr Sedan | $184 | $362 | $442 | $26 | $132 | $1,146 | $96 |
| Yaris S 2-Dr Hatchback | $210 | $362 | $500 | $30 | $150 | $1,252 | $104 |
| Yaris S 4-Dr Hatchback | $210 | $362 | $442 | $26 | $132 | $1,172 | $98 |
| Yaris S 4-Dr Sedan | $210 | $362 | $442 | $26 | $132 | $1,172 | $98 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Information does not factor in Sacramento location which can lower or raise rates significantly.
Based on these figures, using a $100 deductible could cost the average driver approximately $42 more each month or $504 every year than buying the higher $1,000 deductible. Due to the fact that you would have to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you normally go at least 21 months between claim filings, you would save more money if you choose the higher deductible.
How to calculate if higher deductibles make sense
| Average monthly premium for $100 deductibles: | $141 |
| Average monthly premium for $1,000 deductibles (subtract): | – $99 |
| Monthly savings from raising deductible: | $42 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $42 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 21 months |
Cautious Sacramento drivers save money
The illustration below shows how speeding tickets and at-fault collisions can influence Toyota Yaris auto insurance costs for different age groups. The rate quotes are based on a single female driver, full coverage, $100 deductibles, and no discounts are factored in.
Premiums by gender and age
The diagram below visualizes the comparison of Toyota Yaris insurance prices for male and female drivers. Data assumes no accidents, no driving violations, full physical damage coverage, $250 deductibles, drivers are single, and no other discounts are factored in.
Difference between liability only and full coverage rates
The diagram below visualizes the comparison of Toyota Yaris insurance costs with full coverage compared to only the California minimum liability coverage. The data is based on no claims or driving violations, $250 deductibles, single marital status, and no discounts are applied.
Deciding between full coverage and liability only
There isn’t a written rule to eliminate full coverage, but there is a general convention. If the annual cost of coverage is more than about 10% of the replacement cost minus the deductible, then you may want to consider only buying liability coverage.
For example, let’s pretend your Toyota Yaris settlement value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would receive is $6,000 after you pay the deductible. If you are paying more than $600 annually for full coverage, then you might want to think about dropping full coverage.
There are a few situations where only buying liability is not financially feasible. If you still have a lienholder on your title, you have to keep full coverage to satisfy the loan requirements. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should not opt for liability only.
These discounts can cut Toyota Yaris insurance rates
Insuring your fleet can be pricey, but there may be some discounts to reduce the price significantly. Some discounts will apply at the time of quoting, but less common discounts must be specifically requested in order for you to get them.
- Active Military Service – Having a family member in the military could mean lower car insurance rates.
- Discount for Good Grades – Maintaining excellent grades can save 20 to 25%. Many companies even apply the discount to college students up until you turn 25.
- Early Switch Discount – Some car insurance companies reward drivers for renewing your policy before your current Yaris insurance policy expires. You could save around 10% when you buy Sacramento car insurance online.
- Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in high school.
- Air Bags and Passive Restraints – Factory air bags or motorized seat belts may qualify for discounts of more than 20%.
- Save over 55 – Older drivers are able to get a small discount on rates.
- New Vehicle Savings – Insuring a vehicle that is new may earn a small discount because new model year vehicles are generally safer.
- Accident Forgiveness Coverage – Not necessarily a discount, but companies like GEICO, Allstate and Liberty Mutual will forgive one accident before hitting you with a surcharge with the catch being you have to be claim-free for a particular time prior to the accident.
- Cautious Driver Discount – Drivers without accidents can save as much as half off their rates than drivers with accidents.
A little note about advertised discounts, some of the credits will not apply to the whole policy. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. Despite the appearance that you can get free auto insurance, company stockholders wouldn’t be very happy.
The chart below shows the comparison of Toyota Yaris insurance prices with and without some available policy discounts. The rate quotes are based on a female driver, no violations or claims, 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 multi-policy, homeowner, claim-free, multi-car, safe-driver, and marriage discounts applied.
Auto insurance companies that have these money-saving discounts are:
Check with every prospective company which discounts you qualify for. Depending on the company, some discounts may not apply in every state. To view car insurance companies that have a full spectrum of discounts in Sacramento, follow this link.
Auto insurance just makes sense
Despite the potentially high cost of Toyota Yaris insurance, insurance serves several important purposes.
- Almost all states have mandatory insurance requirements which means state laws require a specific level of liability if you don’t want to risk a ticket. 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 you have a lien on your Toyota, almost all lenders will require that you carry insurance to guarantee their interest in the vehicle. If you let the policy lapse, the lender may insure your Toyota for a lot more money and require you to pay the higher premium.
- Auto insurance preserves not only your Toyota but also your financial assets. Insurance will also pay for many types of medical costs for not only you but also any passengers injured in an accident. One of the most valuable coverages, liability insurance, will also pay to defend you if you are named as a defendant in an auto accident. If you receive damage to your vehicle caused by a storm or accident, your auto insurance policy will pay all costs to repair after the deductible has been paid.
The benefits of carrying adequate insurance outweigh the cost, especially when you need to use it. According to a 2015 survey, the average American driver is overpaying more than $810 a year so you should quote rates at least once a year to ensure rates are competitive.
Which car insurance company is best in California?
Ending up with the top auto insurance company is difficult considering how many companies provide coverage in California. The company rank data in the lists below may help you decide which auto insurers to look at when shopping your coverage around.
Top 10 Sacramento Car Insurance Companies Ranked by Customer Service
- AAA of Southern California
- GEICO
- State Farm
- The Hartford
- Mercury Insurance
- The General
- Progressive
- Allstate
- AAA Insurance
- American Family
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
How to know if you need help
When it comes to choosing insurance from an agent or online, there really is not a cookie cutter policy. Every insured’s situation is different.
For example, these questions might point out if your situation might need professional guidance.
- Where can I find high-risk insurance?
- Is my vehicle covered by my employer’s policy when using it for work?
- Do I need replacement cost coverage on my Toyota Yaris?
- What discounts do I qualify for?
- Is my ex-spouse still covered by my policy?
- Are combined or split liability limits better?
- When can my company non-renew my policy?
- What if a claim settlement is too low?
If you’re not sure about those questions then you might want to talk to an insurance agent. To find lower rates from a local agent, simply complete this short form.
Do I need an agent?
Some consumers still like to go talk to an agent and there is nothing wrong with that. One of the great benefits of comparing rate quotes online is the fact that drivers can get cheap auto insurance quotes but still work with a licensed agent.
By using this short form, your insurance coverage information is submitted to insurance agents in Sacramento who can give free rate quotes for your auto insurance coverage. It’s much easier because you don’t need to find an agent on your own because prices are sent to the email address you provide. You can find lower rates and work with a local agent. In the event you want to compare rates from a specific company, just go to their quote page and complete a quote there.
Selecting an insurance company requires more thought than just the bottom line cost. You should also get answers to these questions.
- What company holds the largest book of business for them?
- Is the agent properly licensed in California?
- Will a damage claim use OEM or aftermarket replacement parts?
- Do they offer claims assistance after hours?
- Do you work with a CSR or direct with the agent?
Once you have satisfactory answers for all questions you ask as well as an affordable premium quote, most likely you have located an provider that can properly service your auto insurance policy. Just be aware that you have the power to cancel your coverage whenever you choose to so don’t assume you’re contractually obligated to any particular company with no way out.