Are you doing reasearch to find cheaper insurance rates in Elk Grove, CA? Wish you could get out of high-priced insurance? Trust us when we tell you there are lots of Elk Grove residents who feel the same.

Unbelievable but true according to a study over 70% of drivers have remained with the same insurance company for a minimum of four years, and almost half have never quoted insurance rates at all. Many consumers in California could save up to $469 every year by just comparing rate quotes, but most just don't grasp the benefits if they switch to a new company.

Consumers have multiple auto insurance companies to buy insurance from, and though it is a good thing to have a choice, more options can take longer to get the best deal.

The majority of larger companies like GEICO, State Farm and Progressive make it easy to get prices for coverage directly from their websites. Comparing prices online is very simple because it's just a matter of typing in the coverage amounts you desire into the quote form. When complete, the quote system sends out for information on your driving record and credit history and returns a price. Quoting online makes it simple to compare prices and it is important to perform this step if you are searching for the most affordable auto insurance rates.

To save time and get comparison pricing now, compare rate quotes from the providers shown below. To compare your current rates, we recommend you complete the form with the coverages as shown on your current policy. This makes sure you are getting a rate comparison based on identical coverages.

The following companies are our best choices to provide free quotes in Elk Grove, CA. If you want to find cheaper car insurance in California, we suggest you visit several of them to get the best price comparison.

Insurance Estimates for Popular Vehicles in Elk Grove
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LTZ $1,568 $784 $131
Chevrolet Silverado LS Crew Cab 4WD $1,626 $813 $136
Dodge Ram Quad Cab ST 2WD $1,186 $593 $99
Ford Escape XLS 4WD $1,128 $564 $94
Ford F-150 XL Crew Cab 4WD $1,252 $626 $104
Ford Focus SES 2-Dr Coupe $1,452 $726 $121
GMC Sierra SL Crew Cab 2WD $1,226 $613 $102
Honda Accord EX 4-Dr Sedan $1,178 $589 $98
Honda CR-V EX-L 2WD $1,294 $647 $108
Honda Civic EX 4-Dr Sedan $1,206 $603 $101
Honda Odyssey Touring $1,598 $799 $133
Hyundai Sonata GLS 4-Dr Sedan $1,794 $897 $150
Nissan Altima Hybrid 4-Dr Sedan $1,264 $632 $105
Toyota Camry SE $1,464 $732 $122
Toyota Corolla S $1,424 $712 $119
Toyota RAV4 2WD $1,164 $582 $97
Get Your Own Custom Quote Go

Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Premium amounts do not factor in specific garaging location which can raise or lower auto insurance rates noticeably.

Choosing deductibles

The chart below highlights how deductible choice and can change Honda Civic insurance costs for different categories of driver ages. The data assumes a single female driver, comp and collision included, and no policy discounts are applied.

Honda Civic rates are for example purposes only. To get rates for your specific vehicle, click here.

Lower rates by qualifying for these nine discounts

Companies don't list the complete list of policy discounts very clearly, so the list below contains a few of the more common and also the lesser-known discounts that you may qualify for.Cheaper insurance with discounts

Discounts lower rates, but some of the credits will not apply to the entire cost. Most cut individual premiums such as comp or med pay. If you do the math and it seems like adding up those discounts means a free policy, nobody gets a free ride.

Companies and their possible discounts include:

Check with each insurance company to apply every possible discount. A few discounts might not be available to policyholders in Elk Grove. To see a list of insurers with the best insurance discounts in California, follow this link.

Why you need insurance for your vehicle

Even though it's not necessarily cheap to insure a vehicle in Elk Grove, buying insurance is required in California but also provides important benefits.

The benefits of insuring your vehicle outweigh the cost, particularly if you ever have a claim. On average, a vehicle owner in Elk Grove is overpaying more than $869 every year so you should quote your policy with other companies every year to ensure rates are inline.

Do I need an agent?

A lot of people still like to buy from a licensed agent and that is just fine! The biggest benefit of comparing auto insurance online is that drivers can save money and get lower rates but also keep your business local.

Elk Grove insurance agentsTo find an agent, once you fill out this short form, the coverage information is immediately sent to insurance agents in Elk Grove who will give you quotes and help you find cheaper coverage. There is no reason to search for any insurance agencies since price quotes are sent to you. You can find the lowest rates without the usual hassles of price shopping. If for some reason you want to quote rates for a specific company, you can always navigate to their website and give them your coverage information.

Picking the best insurer needs to be determined by more than just the bottom line cost. Any agent in Elk Grove should be forthright in answering these questions:

Auto insurance coverages

Understanding the coverages of auto insurance can help you determine the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and coverage can change by endorsement. Shown next are the usual coverages offered by auto insurance companies.

Collision coverage - This coverage pays for damage to your vehicle resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like hitting a parking meter, crashing into a ditch, driving through your garage door and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive or Other Than Collision - Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like falling objects, damage from a tornado or hurricane, damage from flooding and a broken windshield. The maximum payout you'll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability insurance - This can cover damages or injuries you inflict on a person or their property by causing an accident. It protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 15/30/5 which stand for a limit of $15,000 per injured person, a total of $30,000 of bodily injury coverage per accident, and $5,000 of coverage for damaged propery.

Liability coverage pays for things such as bail bonds, repair bills for other people's vehicles and loss of income. How much coverage you buy is a personal decision, but you should buy as large an amount as possible. California requires minimum liability limits of 15/30/5 but you should consider buying more liability than the minimum.

Medical costs insurance - Medical payments and Personal Injury Protection insurance kick in for bills for funeral costs, surgery, chiropractic care, X-ray expenses and doctor visits. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. It covers both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

UM/UIM Coverage - This provides protection from other drivers when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries and damage to your vehicle.

Since many California drivers only carry the minimum required liability limits (which is 15/30/5), their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.