Sacramento Auto Insurance (CA)

Sacramento, California, the capital of California and affectionately known as the 'Almond Capital of the World,' is home to more than 407,018 people. About 75% of them are licensed drivers and together they help rate Sacramento 31st in the country for traffic congestion. The average commute time for workers in Sacramento is 23 minutes, three minutes less than the national average. This means that about 19 hours and $350 per year are lost per driver to delays in traffic.

The fact that California has the third highest rates in the country for gasoline does not help the wallets of the 22.6 million registered drivers in California. It could be worse, though: Los Angeles is the most congested city in the country, San Francisco comes in second and San Jose is seventh.

Their 30 million registered cars, trucks, and SUVs cost an average of $2,185.97 in auto insurance premiums, making it the 21st most expensive in the US – a number that rises an average of 2.8% annually.

But money and time are not the only concerns. Increased traffic means increased traffic accidents and increased accidents lead to more auto related fatalities. 127 fatal car accidents occurred in Sacramento between 2001 and 2003. Air quality worsens with every car added to the road. And every time driving conditions worsen, car insurance costs rise.

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Protect Your Car and Save on Sacramento Auto Insurance

Installing anti-theft devices will not only help you qualify for lower car insurance rates, but it is a common sense measure to protect your investment in your vehicle. Sacramento suffered 19,000 auto thefts in 2004, making it the 5th worst city in the country in terms of car theft crimes. Other ways to protect your car include:

• Do not store an extra key in your car. Too often, they will not be hard to find for potential thieves.
• Keep your vehicle registration and proof of insurance stored with other important papers – not in your wallet or in your car.
• Make sure that items – even items that, to you, are inexpensive or unimportant – are out of plain sight.

There are also other ways to help lower your car insurance costs, however. Here are just a few that may help you qualify for lower rates or discounts:

• Move closer to work or work closer to home. Decreasing the average number of miles you drive will lower your costs.
• Decrease the business use of your vehicle. Ship items through the mail rather than deliver or hire a messenger service.
• Install anti-theft devices.

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Read about minimum auto insurance requirements in California >>

**Auto Insurance Finder is not an insurance broker or carrier. Content on this site is for comparison and informational purposes only. The products and services listed on this site may not be available in all states.

Last Updated: August 19, 2010