Ways to Lower The Cost of Car Insurance in Sacramento, CA
By: Gokul Menon October, 11, 2019
Sacramento is the capital and the sixth-largest city in California. Sacramento has a population of 505,000. Car owners in Sacramento pay $1,662 on average in car insurance payments. The lowest they pay is $1,122. The average car insurance rates in the state of California jumped from $750 in 2010 to over $1,750 by 2013. When a person applies for an auto insurance policy in the state of California, car owners are asked to give more importance to their previous driving record, miles driven, and years of driving experience over ZIP codes and other factors.
Sacramento has a lower average car insurance cost when compared to other major cities of the state. Foothill Farms, McClellan Park, and La Riviera, all have higher median insurance rates when compared to Sacramento, in the state of California. It is common knowledge that even a minor accident on one’s driving record can increase the cost of insurance. But, by being aware of general factors that influence insurance costs and by comparing rates, car owners can save up to $660 in Sacramento. As with any other state, the amount of money a car owner can save also hinges on the location of the car owner in Sacramento. Age is another factor that impacts the cost of insurance. If the individual driving the car has more experience behind the wheel, this could result in cheaper car insurance rates.
Demographics play a crucial role in the kind of car insurance a car owner can get. The age and gender of the car owner are key to this. Teenagers in general pay the most in car insurance, Sacramento is no exception. The average expenditure on car insurance for male teenagers is the same as the average rate of car insurance for female teenagers. Male teenagers are considered to be prone to accidents (less experience); hence they end up paying the highest in Sacramento ($3,623). Female teenagers are second on the list. They pay $3,606 on an average. At $1,612, the difference between what married men pay and teenagers pay on insuring their cars is massive. Married women are considered to be the safest drivers among the lot. They have to shell out only $1,562 a month. This figure is lower than the average of all the women in Sacramento, which is $1,612.
Though the cost of car insurance for teens are quite high in Sacramento, the figures are quite less when compared to other cities in California. A male teenager will have to pay $1,805 more in Foothill Farms, California. A female teenager in Florin would have to pay $1,645 more than what a female teenager pays in Sacramento for car insurance. Interestingly, car insurances seem to be more expensive for senior women than senior men. While senior women pay $1,794 on an average, senior men seem to only pay $1,728 for similar coverage.
Location is an important feature that influences the cost of insurance. People in different areas within Sacramento have different rates of savings. A 32 year-old married woman in Newbury Way, Routier would end up saving $913, while a 32 year-old man in Serra Way, East Sacramento would end up saving only $730. To give another example, a 19 year-old, male teenager who drives a 2010 Toyota Prius in Pamlee Ct, Arcade, saves $704. But, a female teenager of the same age who drives a 2008 Lexus in Chatsworth Lane, Routier, only manages to save a little over this figure. The difference is not major. Net savings from higher or lower deductibles also depends on factors such as the make of the car. Net savings of an owner of a Suzuki, Kishase SE, would not be the same as that of an owner of a Kia Rio LX.
This only goes on to show that the amount of savings is a confluence of numerous factors including the street one lives on in Sacramento.
ABOUT THE AUTHOR
Gokul Menon
Gokul works as a writer at Gavop. He holds an M.A. in Comparative Literature from the University of Hyderabad and a Bachelor’s in English from Madras Christian College. He has been a part of a couple of theatre groups, like Masquerade Youth Theatre and Theatre No. 59 and enjoyed being a part of Literary and Debating circles in Chennai. Gokul is an avid reader and has presented a few academic papers. He spends more time on Goodreads, than on any other social media platform.
