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Best Cheap Auto Insurance in Sacramento 95825

Looking for cheap auto insurance in Sacramento? Auto Insurance Center will provide you with the best cheap auto insurance quotes.

As California’s state capital, Sacramento is known for its rivers and lakes, fresh food, diversity, and the California Gold Rush.

Located at the confluence of the Sacramento River and the American River, the area was first discovered by Spanish explorers in the early 1800s. By 1839, John Sutter arrived and established a fort. This fort later became a trading and mining center thanks to the California Gold Rush in 1849.

The city was incorporated on February 27, 1850. Sacramento was named the permanent state capital of California at the 1879 Constitutional Convention. The population continued to grow over the years because of railroad and agriculture opportunities.

During the Great Depression, President Franklin D. Roosevelt created New Deal projects in and around the Sacramento region.

Top Sacramento attractions include: Capitol Park, Crocker Art Museum, Midtown, Old Sacramento, California State Railroad Museum, Sutter’s Fort and Sacramento Zoo.

Sacramento is home to one major sports team, the Sacramento Kings (NBA). The team relocated from Kansas City in 1985. The city is also home to Triple A team River Cats, an affiliate of the San Francisco Giants as well as the Sacramento Republic FC, a soccer team in the United Soccer League.

Insurance Discounts in Sacramento

In California, a good driving record can earn you auto insurance discounts — up to 20 percent — under California law (Prop 103). Common insurance discounts from car insurance companies include:

  • Good student
  • Multi-car
  • Multiple policy
  • Automatic payment
  • Bundling auto with homeowners or renters
  • Paid-in-full

Remember that the best way to save money with auto insurance is to keep a clean driving record.

Driving Conditions in Sacramento

The Sacramento climate is classified as a Mediterranean climate. The annual high temperature is 73.6 degrees and the annual low temperature is 48.3 degrees. The summers are hot and dry while the winters are wet and mild. Tule fog is common during the winter months. Check the weather reports before traveling.

Crime Statistics

According to the 2015 Crime in the United States report, California had 1,024,914 accounts of property crime and 170,993 accounts of vehicle theft.

California Driver’s License

As a legal resident of California, you’ll need to obtain a California driver’s license. Those with a valid out-of-state license will need to make an appointment before visiting a DMV office as well as be required to pay an application fee and will need to pass a vision and written exam.

When you visit the DMV, bring your valid out-of-state license, proof of U.S. residency (birth certificate, passport, etc.), proof of California residency and proof of your Social Security number.

Seat Belt Laws

Seat belts are required for all drivers and passengers in California.

California law requires that all children under the age of 8 be properly restrained in an appropriate child seat in the backseat of a vehicle. However, children weighing 40 or more pounds or standing 40 or more inches taller are exempt. Children under 2 must ride rear-facing in an appropriate child passenger safety seat.

Cell Phone & Texting Laws

In California, drivers cannot call or text on a handheld device while driving.

Odd Law

In California, it’s unlawful to let a dog pursue a bear or bobcat at any time.

You would be surprised how much insurance rates can vary zip code to zip code even if the zip codes are within the same metropolitan area. This can be for various reasons including higher or lower crime rates in a specific zip code area, accident statistics in that zip code, traffic density in different parts of the city, and even different weather conditions depending on what part of the metro area you are in. This can become even more interesting if you live on the border of a different zip code yet your are paying more for insurance than you would if you lived right across the street. While some people will use this to their advantage and give their insurance company a different address than their actual address to save some money it is not advisable as this may be seen as a form of fraud. 

To find out what your auto insurance rates will be for you zip code either fill out the quick quote form above or call one or more of the local agents below. It is best to call more than one to get them to compete for your business so that you can get the cheapest rates possible. Many people would rather avoid this effort because its more work but its one of the best ways to get cheap auto insurance quotes.

  • Company
  • Description
  • Address
  • Contact
  • Ron is the nicest and fastest small agent in Sacramento. He shopped my Auto and Home insurance thru 75 insurance companies instantly. He was able to get me a great Home insurance rate with Safeco and placed my Auto thru Met Life.

  • I recently purchased Auto Insurance thru this small local agent. I was able to save an extra $20 dollars per month. They are very low cost and fast. I would highly recommend them.