How to get cheap car insurance in Sacramento in 2020

The average cost of automotive insurance in America depends on the state you live in as well as your driving and personal history. However a study by Business Insider between 2017 and 2019 revealed that the average policy was around $1,500 a year. So if you are looking for cheap car insurance Sacramento, here’s some tips to reduce your premiums:

This might seem like an obvious tip, but shopping around can result in significant savings. Sometimes using companies that are less well known results in the lowest premiums as many of the big names spend lots of money on marketing to make you think they’re the cheapest when this might not actually be the case.

Play around with your deductible

Whilst hopefully you will never need to call upon your policy, insurance is there to help you to cover those unexpected costs. So although you might think setting your deductible at $100 is the best choice, if you can handle to take on the risk of increasing that then your policy can decrease significantly.

Look at consolidating your policies

Do you have home insurance? Life Insurance? Pet insurance? Many of us have multiple policies with multiple companies but take a look at consolidating them all with one insurance agent. This will help reduce the number of fees you need to pay and can result in a lower overall premium too.

Keep your license clean

By keeping your license record clean, you can enjoy significantly cheaper premiums. Many people looking to reduce the cost of their car insurance Sacramento have found that a driving record free from accidents and penalties reduces the cost by up to 40%.

Secure your vehicle

Another great tip to reduce the cost of your car insurance is to add a security device to your vehicle. Adding an alarm or immobilizer does not cost a huge amount of money but can help you to enjoy reduced premium rates.

Park off-street

Similarly, changing where you park your vehicle can help top reduce the overall cost of your auto insurance Sacramento. If you are able to park the car off-road either on your property, in your garage or even at a carport then it can help put more money back into your pocket.

Drive less

For some people this is not a viable option, but if you live within a commutable distance of work then think about ditching the car and using alternative methods. By reducing the number of miles you drive, your policy will be lower and you’ll also be getting healthier!

Of course one of the best ways to reduce the cost of your insurance is to use the knowledge and skills of a professional insurance agent. Here at Eugene C Yates, we have been helping local residents in Sacramento, California to reduce their premiums without reducing their cover.

Our highly experienced team will ensure you achieve the highest quality of coverage possible at a price that fits your budget. Get in touch with us today to find out how we can help you to lower your auto insurance Sacramento California rates.